CN112435117A

CN112435117A - Loan overdue case collection method and device, electronic equipment and storage medium

Info

Publication number: CN112435117A
Application number: CN202011351683.7A
Authority: CN
Inventors: 江四鸿; 赵桂花; 贺碧威
Original assignee: Ping An Puhui Enterprise Management Co Ltd
Current assignee: Ping An Puhui Enterprise Management Co Ltd
Priority date: 2020-11-27
Filing date: 2020-11-27
Publication date: 2021-03-02

Abstract

This application belongs to the field of data processing, and discloses a collection method, device, electronic device and storage medium for overdue loan cases. In the method, target laundering rules are set for overdue loan cases; Target washout rule, take the phone number of the loan overdue case that meets the target washout rule as the washout number; determine the corresponding operator server according to the washout number, and push the washout number to the operator server; receive feedback from the operator server The connection status corresponding to the washing number of the loan; according to the connection status, the collection notification method corresponding to the loan overdue case is determined. In this way, the phone number of the overdue loan case is sent to the operator's server for number shuffling to obtain the connection status, and a corresponding collection strategy is formulated according to the connection status, which can improve the collection efficiency.

Description

Loan overdue case collection method and device, electronic equipment and storage medium

Technical Field

The application relates to the technical field of data processing, in particular to a method and a device for urging receipt of overdue cases of loans, electronic equipment and a storage medium.

Background

Overdue loans are also known as "overdue loans" or "overdue loans". The loan item refers to the part of the loan which is not yet cleared within the payment period specified by the contract. At present, a telephone collection method is adopted for overdue loans, telephone numbers of a plurality of contacts are generally reserved when the loans are signed in a contract, the situation that the telephone of a party is unavailable is avoided, and collection can be carried out through the telephone numbers of other people.

However, each of the current collection loan cases has more than 5 numbers, which are classified as numbers of the client, parents, spouses, children, brothers and sisters, classmates, colleagues, friends, public institutions and other relations, and the state of each number cannot be known in advance, and can be known only by trying to make the number one by one through collection of the number, so that a large number of invalid number states waste the working time of the collection, and complaints are caused by mistakenly making the number, thereby affecting the company image.

Disclosure of Invention

In view of the above, the present application provides a method and an apparatus for receiving a overdue loan case, an electronic device, and a storage medium. The method mainly aims to solve the technical problems that the state of the number to be hasten to receive of the current overdue loan case cannot be known in advance, the working time is wasted, and the working efficiency of the hastening to receive is low.

According to a first aspect of the application, there is provided a method for urging receipt of a overdue case of a loan, comprising the steps of:

setting a target washing rule for the overdue case of the loan;

judging whether the obtained case information of the loan overdue cases meets the target sending rules or not, and taking the telephone numbers of the loan overdue cases meeting the target sending rules as sending numbers, wherein each loan overdue case corresponds to at least one telephone number;

determining a corresponding operator server according to the washing number, and pushing the washing number to the operator server so that the operator server confirms the connection state of the washing number;

receiving a connection state corresponding to the washing number fed back by the operator server, and adding the connection state to a telephone number state corresponding to the loan overdue case;

and determining an acceptance prompting notification mode corresponding to the loan overdue case according to the telephone number state corresponding to the loan overdue case.

According to a second aspect of the present application, there is provided an apparatus for urging receipt of a overdue case of a loan, the apparatus comprising:

the setting module is used for setting a target washing rule for the overdue case of the loan;

the judging module is used for judging whether the obtained case information of the loan overdue cases meets the target sending rules or not and judging the telephone numbers of the loan overdue cases meeting the target sending rules, wherein each loan overdue case corresponds to at least one telephone number;

the pushing module is used for determining a corresponding operator server according to the washing number and pushing the washing number to the operator server so that the operator server confirms the connection state of the washing number;

the receiving module is used for receiving the connection state corresponding to the washing number fed back by the operator server and adding the connection state to the phone number state corresponding to the loan overdue case;

and the collection urging module is used for determining a collection urging notification mode corresponding to the overdue loan case according to the phone number state corresponding to the overdue loan case.

According to a third aspect of the present application, there is provided an electronic device comprising a memory and a processor, the memory storing a computer program, the processor implementing the steps of the method for soliciting receipts for overdue cases of loans according to the first aspect when executing the computer program.

According to a fourth aspect of the present application there is provided a storage medium having stored thereon a computer program which, when executed by a processor, carries out the steps of the first aspect of expecting receipt of a loan overdue case.

By means of the technical scheme, the method, the device, the electronic equipment and the storage medium for accepting the overdue cases of the loan, provided by the application, are characterized in that corresponding target sending and washing rules are set for the overdue cases of the loan in advance, the telephone numbers of the overdue cases of the loan, which accord with the target sending and washing rules, are used as sending and washing numbers, all the sending and washing numbers are pushed to the corresponding operator server to be subjected to number washing processing, then the connection state corresponding to the sending and washing numbers fed back by the operator server is received, and an accepting notification mode corresponding to the overdue cases of the loan is determined according to the connection state. Like this, before carrying out the call-in to loan overdue case, send the telephone number to the operator server to the loan overdue case earlier and wash the number, can learn the connected state of each telephone number like this in advance, and then formulate corresponding policy of urging receipts according to the connected state of each telephone number for urge the person to urge to receive according to the policy of urging receipts, can avoid extravagant person's operating time, effectively improve urge the efficiency of receiving of urging the person, the condition of the number of appearing the mistake when reducing simultaneously and urging to receive to dial the call.

Drawings

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:

FIG. 1 is a flow diagram of one embodiment of a method for the solicitation of loan overdue cases of the present application;

FIG. 2 is a flow diagram of another embodiment of a method for soliciting receipt of a loan overdue case of the present application;

FIG. 3 is a block diagram illustrating an exemplary embodiment of an apparatus for receiving loan overdue cases;

fig. 4 is a schematic structural diagram of an electronic device according to the present application.

Detailed Description

Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

The embodiment of the application provides a method for hastening receipts of overdue cases of loans, which can know the connection state of each telephone number in advance by pre-washing the telephone number of the overdue cases of loans, and further formulate a corresponding hastening receiving strategy according to the connection state of each telephone number, so that a hastening member hastens receiving according to the hastening receiving strategy, can avoid wasting the working time of the hastening member, effectively improve the hastening receiving efficiency of the hastening member, and simultaneously reduce the condition of mistaken number calling during hastening receiving and calling.

As shown in fig. 1, an embodiment of the present application provides a method for hastening receipt of a loan overdue case, including the following steps:

step 101, setting target sending and washing rules for the loan overdue case.

In this step, the target washing rule is set by the manager in advance according to the actual situation of the overdue case of the loan. If the target washing rule is not satisfied, a corresponding 'setting modification' button can be triggered, and then the target washing rule is modified. Or the target washing rule is not satisfied as a whole, a corresponding 'delete' key can be triggered, and the target washing rule is reset after the target washing rule is deleted.

And 102, judging whether the acquired case information of the loan overdue cases meets the target sending rules or not, and taking the telephone numbers of the loan overdue cases meeting the target sending rules as sending numbers, wherein each loan overdue case corresponds to at least one telephone number.

In this step, the case information of the overdue case of the loan includes: overdue days, commission amount, non-repayment period, commission start date, distance commission end date, case status and contact phone number.

And extracting the contents to be compared in the target washing rule from the loan overdue case and comparing the contents with the contents in the corresponding target washing rule, if the contents conform to the target washing rule, acquiring at least one telephone number corresponding to the loan overdue case, and storing the telephone numbers in a washing number library for subsequent extraction from the washing number library and pushing to a corresponding operator server.

And 103, determining a corresponding operator server according to the washing number, and pushing the washing number to the operator server so that the operator server confirms the connection state of the washing number.

In this step, since the operators corresponding to the washing numbers in the washing number library are different, the washing numbers need to be classified and packaged according to the operators, and then the packaged washing numbers of the operators are pushed to the corresponding operator servers, so that the operator servers can perform number washing processing on the washing numbers.

Therefore, the condition that the washing number belonging to the operator A is pushed to the operator B server and the washing number cannot be washed by the operator B server is avoided, and the washing efficiency and the accuracy of the washing number are improved.

And step 104, receiving the connection state corresponding to the washing number fed back by the operator server, and adding the connection state to the phone number state corresponding to the loan overdue case.

In the step, the operator server simulates and dials each corresponding washing number, and obtains the connection state of each washing number according to the feedback after dialing. Wherein the connection state includes: a blank number state, an invalid state, a limited state, a normal state, a non-mobile phone number state, a power-off state, a shutdown state, and a temporary connection-unavailable state.

And 105, determining an acceptance prompting notification mode corresponding to the loan overdue case according to the telephone number state corresponding to the loan overdue case.

In the step, the loan overdue case can be classified according to the phone number state of the loan overdue case, for example, a connection available type, a connection losing type and a connection pending type, and corresponding collection prompting notification modes are formulated according to different types for collection prompting. For example, a person is dispatched to the client for collection according to the address of the client aiming at the lost connection class and the pending connection class. Aiming at the connectable type, the collection urging personnel can urge collection in a mode of directly making a call.

According to the scheme, the corresponding target sending and washing rule is set for the loan overdue case in advance, the telephone number of the loan overdue case which meets the target sending and washing rule is used as the sending and washing number, the sending and washing number is pushed to the corresponding operator server to be subjected to number washing, then the connection state corresponding to the sending and washing number fed back by the operator server is received, and the collection prompting notification mode corresponding to the loan overdue case is determined according to the connection state. Like this, before carrying out the call-in to loan overdue case, send the telephone number to the operator server to the loan overdue case earlier and wash the number, can learn the connected state of each telephone number like this in advance, and then formulate corresponding policy of urging receipts according to the connected state of each telephone number for urge the person to urge to receive according to the policy of urging receipts, can avoid extravagant person's operating time, effectively improve urge the efficiency of receiving of urging the person, the condition of the number of appearing the mistake when reducing simultaneously and urging to receive to dial the call.

In a specific embodiment, step 101 specifically includes:

and step 1011, making a first sending rule for the loan overdue case without sending record.

And step 1012, making a re-sending rule for the loan overdue case with the sending record.

And 1013, verifying the first washing rule or the second washing rule, and taking the first washing rule or the second washing rule which is successfully verified as the first target washing rule or the second target washing rule.

Through the technical scheme, as the sending and washing modes of the overdue cases of the loans with the sending and washing records are different from those of the overdue cases without the sending and washing records, a first target sending and washing rule and a second target sending and washing rule and two sets of sending and washing rules need to be formulated respectively, so that the repeated sending and washing condition is avoided, and the sending and washing efficiency is improved.

In a specific embodiment, step 1011 specifically includes:

step 10111, matching multiple first-washing conditions to be selected for the loan overdue case without the washing record in at least one service line.

Wherein, the first washing conditions to be selected comprise: overdue days, committee amount, unpaid payment, commission starting date, distance committee ending date, case state (optional values: new case, pending case, divided case, reserved case, slow hastening, and optional multiple choices), number relationship (optional values: client, spouse, parent, child, sibling, classmate, colleague, friend, public institution, and other relationships), whether the number has been dialed, and current number washing state (optional values: no number washed, no number, invalid, limited, normal, non-mobile phone number, power off, shutdown, temporary unavailable, unknown, and optional multiple choices).

Step 10112, receiving the first washing setting conditions selected from the first washing conditions to be selected, and displaying the first washing content setting window of the first washing setting conditions.

The setting personnel can select at least one to-be-selected first-washing condition to be set from the multiple to-be-selected first-washing conditions as the first-washing setting condition according to the corresponding business requirements. And then, displaying the first-wash content setting windows corresponding to the first-wash setting conditions so as to allow setting personnel to input corresponding setting contents from the first-wash content setting windows.

For example, the first wash setting condition field includes: service line, overdue days, commission amount, non-repayment period, commission starting date, case state, case type, number relationship, whether the number is dialed or not and current number washing state.

Step 10113, receiving the first-wash setting content through the first-wash content setting window, and generating a first-time washing rule according to the first-wash setting content.

For example, the first-time washing rule is set for PHUPL for the service line: the overdue days is 90-100, the committee amount is 10000-50000, the unreturned period is 5-10, the committee starting date is 20200801-20201231, the case state is a new case, the case type is N, the number relationship is the client, whether the number is dialed is not, the current number washing state is no number washing, and the number is successfully stored by clicking after being set. The condition is set only once, and the system screens the overdue cases of the loan according to the condition.

Step 1012 specifically includes:

step 10121, matching multiple conditions to be selected and rewashed for the loan overdue case with the washing record in at least one service line.

Wherein the conditions for re-washing to be selected comprise: overdue days, committee amount, unpaid payment, commission starting date, distance committee ending date, case state (optional values: new case, pending case, divided case, reserved case, slow hastening, and optional multiple choices), number relationship (optional values: client, spouse, parent, child, sibling, classmate, colleague, friend, public institution, and other relationships, and optional values: multiple choices), whether the number has been dialed, rating, previous number washing state (optional values: no number washed, no number, invalid, limited, normal, non-mobile phone number, shut down, temporarily unavailable, unknown), and number washing period.

Step 10122, receiving the selected rewashing setting conditions from the conditions to be rewashed, and displaying a rewashing content setting window of the rewashing setting conditions.

The setting personnel can select at least one condition to be selected and washed to be set from the multiple conditions to be selected and washed as the washing setting condition according to the corresponding business requirements. And then, displaying the rewashing content setting windows corresponding to the rewashing setting conditions so as to allow a setting person to input corresponding setting contents from the rewashing content setting windows.

Step 10123, receiving the backwashing setting contents through the backwashing content setting window, and generating the backwashing rule according to the backwashing setting contents.

For example, a re-washing rule is set for the service line PHUPL: the overdue days is 90-100, the committee amount is 50000-.

Through the scheme, the first washing rule and the second washing rule can be selectively and independently set according to actual service requirements, so that different requirements of various service lines can be met, and the use is convenient.

In a specific embodiment, step 1013 specifically includes:

step 10131, counting the first washing verification number of the first washing rule or the second washing verification number of the second washing rule corresponding to the same service line.

Step 10132, if the first-wash verification quantity or the second-wash verification quantity is 1, directly determining the first-wash verification quantity or the second-wash verification quantity as the first-time target washing rule or the second-time target washing rule.

Step 10133, if the first washing verification quantity or the second washing verification quantity is greater than 1, judging whether the first washing verification quantity or the second washing verification quantity is less than or equal to a set threshold, if so, the verification is successful, merging the multiple first washing rules or the multiple second washing rules of the same service line, taking the merged first washing rule as a first washing target rule or taking the merged second washing rule as a second washing target rule, otherwise, if not, the verification is failed, and resetting the first washing rule or the second washing rule of the same service line.

For example, the re-wash rule is set: the overdue days is 90-100, the committee amount is 50000-.

A re-send-wash rule is set for the line of business PHUPL and dafei 7 credits: the overdue days is 90-100, the committee amount is 50000-.

And because the service line PHUPL is correspondingly provided with two re-sending and washing rules, taking the union set of the re-sending and washing rules as a re-sending and washing target rule. Namely, the target sending rule is as follows: the overdue days is 90-100, the committee amount is 50000-70000, the unreturned period is 5-60, the committee starting date is 20200801-.

Through the scheme, matching verification is carried out on the washing rules of each service line, and a plurality of first washing rules or a plurality of second washing rules of the same service line can be combined into one first washing rule or one second washing rule, so that the comparison process of the washing rules is simplified, and the working efficiency is improved.

In a specific embodiment, step 102 specifically includes:

and 1021, if the obtained loan overdue case has no delivery record, judging whether the case information of the loan overdue case meets the first target delivery rule for comparison, if so, extracting at least one telephone number corresponding to the loan overdue case as a first number to be delivered for identification and judgment, storing the first number to be delivered which is successfully identified into a delivery number library, and if not, not delivering the corresponding loan overdue case.

And 1022, if the obtained loan overdue case has a washing record, judging whether the case information of the loan overdue case meets the target washing rule again, comparing, if so, extracting at least one telephone number corresponding to the loan overdue case as a second number to be washed to identify and judge, storing the second number to be washed which is successfully identified into a washing number library, and if not, washing the corresponding loan overdue case.

Through the scheme, because the actual conditions of each telephone number are different, the telephone numbers need to be further identified and judged, and then whether the telephone numbers need to be washed or not is determined, so that the telephone numbers can be washed specifically, and further the telephone numbers which do not need to be washed avoid the condition of washing for many times, and the washing efficiency is improved.

In a specific embodiment, the extracting at least one phone number corresponding to the loan overdue case in step 1021 as a first number to be washed for identification and determination, and storing the first number to be washed, which is successfully identified, in a washing number library specifically includes:

extracting at least one telephone number corresponding to the overdue case of the loan as a first number to be washed, and judging whether the first number to be washed has a washing record or not; if the first number to be washed has a washing record, judging whether the time interval between the first number to be washed and the last washing time exceeds an interval threshold value, if so, storing the first number to be washed into a washing number library, otherwise, taking the last washing result of the first number to be washed as the connection state of the first number to be washed.

For example, a case is newly imported in 8 th month 1, and in principle, case import is performed and needs to be washed for the first time, if the time of last washing of the number to be washed is more than N from the current time, the first washing is performed, and if the time of last washing of the number to be washed is less than N, the first washing is not performed. And N is an interval threshold set by the system.

Then, in step 1022, at least one phone number corresponding to the loan overdue case is extracted as a second number to be sent and washed for identification and judgment, and the second number to be sent and washed which is successfully identified is stored in the number sending and washing library, which specifically includes:

and extracting at least one telephone number corresponding to the loan overdue case as a second number to be washed, judging whether the second number to be washed meets the last washing date plus the washing period and is not more than the current date, judging whether the current time interval from the last washing time of the second number to be washed is more than an interval threshold value, if so, storing the second number to be washed into a number washing library, and if not, washing the number.

Example 1: the number 13816652936 was imported on day 8.1, the first time of the washing on day 8.1, and if the washing cycle is 30 days, the next time equals the latest time + the washing cycle, i.e. day 9.1.

Example 2: number 13816652936 was imported at day 8.6, and the number cycle was repeated for 20 days. Assuming the interval threshold is 7 days, example 2 will first follow the 8.1 number wash result, i.e. the latest number wash time: 8.1. the time of the next washing is the latest washing time plus the washing period, namely 8.21 days.

Through the scheme, the corresponding interval threshold value is set, each telephone number can be guaranteed to be washed only once in the interval threshold time period, the condition that the same number is washed for many times in a short period can be avoided, and the condition that an operator server is stuck and crashed due to the fact that the operator server receives a large number of washed numbers at the same time is avoided.

In a specific embodiment, step 105 specifically includes:

step 1051, determining the connection state of the loan overdue case according to the phone number state corresponding to the loan overdue case, wherein the connection state comprises the following steps: an available state, an unavailable state and a pending connection state.

Firstly, at least one telephone number corresponding to the loan overdue case is classified. For example, the division into three classes is the human, the immediate relatives class, and the other relationship class, respectively.

And if at least one telephone number only relates to part of categories, the information corresponding to the rest categories is null.

And then, determining the connection state of each category according to the number washing result of the telephone number corresponding to each category.

The method specifically comprises the following steps:

if the state of at least one telephone number in the number washing results of the telephone numbers corresponding to the category is a normal state, the connection state of the category is a connectable state; if the number washing result of the telephone number corresponding to the category is empty number or halt, the connection state of the category is an offline state; if the number washing results of the telephone numbers corresponding to the category are no numbers, the connection state of the category is a no-number state; and if the number washing result of the telephone number corresponding to the category belongs to results except the connection state, determining that the connection state of the category is the pending connection state.

If the states of at least one telephone number of the loan overdue case are abnormal, the loan overdue case is determined as a case which can not be connected. And for the case which cannot be connected, after a preset time (for example, two days) is set, the telephone number of the case which cannot be connected is pushed to the corresponding operator server again for number washing, and if the obtained number washing result is still in an abnormal state, the case information of the case with the overdue loan is pushed to the terminal equipment of the visiting urging receiver. For the collection staff to visit the customer's home.

Step 1052, taking the loan overdue case with the connection state being the connectable state as the connectable case, acquiring the overdue amount and the grade from the case information of the connectable case, sending the overdue amount and the grade to the management terminal, and displaying the overdue amount and the grade of the connectable case on the management terminal.

Step 1053, receiving case marks of the associable cases sent by the management terminal, wherein the case marks comprise: intelligent dialing strategy and manual dialing strategy.

The method specifically comprises the following steps: the regional manager has two buttons of an intelligent dialing strategy and a manual dialing strategy according to the overdue amount and the grading level of the connectable case displayed on the management terminal, and each button is displayed after being clicked: and 6 drop-down items of small pieces which can be linked, small pieces which can be undetermined, small pieces which can be linked together, large pieces which can be determined and large pieces which can be linked together are selected, and corresponding case marks are marked when the selected cases are clicked.

Step 1054, if the case of the case capable of being connected is marked as an intelligent dialing strategy, regularly dialing the telephone number of the case capable of being connected by using the intelligent dialing system; and if the case of the coupleable case is marked as a manual dialing strategy, pushing the telephone number of the coupleable case to a manual collection terminal.

If the case is marked as an intelligent dialing strategy, the telephone number with the number washing result in the loan overdue case which belongs to the connectable state as the normal state is obtained, and the telephone platform is used for regularly and uniformly dialing. If the user dials on, the user can transfer the call to the collection urging terminal, and the case information of the overdue case is popped up on the collection urging terminal for the communication of the person. If any one of the phone numbers is connected, the other phone numbers are hung up directly.

For example, a case is set as an intelligent dialing strategy, cases with small cases to be determined are uniformly distributed to a person who urges to dial a strategy in a Changsha area for urging to receive, the telephone platform uniformly calls the numbers of the cases at the set time, one loan overdue case is connected with one number, and other numbers are immediately hung up, the connected number can be immediately switched to an urge seat and popped up details of the case in real time to facilitate follow-up of the urge, and the intelligent dialing strategy is set to further improve the call-on rate due to the fact that a plurality of numbers of the cases with small cases to be determined are limited and the like.

And if the case is marked as a manual dialing strategy, the telephone number which is obtained from the loan overdue case in the connectable state and has the number washing result in the normal state is pushed to the manual collection prompting terminal. So as to prompt the operator to make a manual call for prompt receipt.

For example, a case is set as a manual dialing strategy, and a large case can be connected and is distributed to a case haster in the first part and the second part of the Changsha area for hastening collection, and because the large case can be connected and has high collection value and needs strategy and tactical preparation, manual dialing strategy dialing is used for prompting the user to find the case and then directly click a number in case details for calling, and the user is also allowed to have preparation time to follow according to the plan of the user.

By the scheme, a proper collection prompting mode can be formulated according to the connection state in the number washing result of the telephone numbers of different loan overdue cases, and therefore collection prompting efficiency of the loan overdue cases is improved.

Furthermore, through the scheme of the embodiment, before the overdue case loan is urged to be received, the telephone number of the overdue case loan is sent to the operator server for number washing, so that the connection state of each telephone number can be known in advance, and then a corresponding call-receiving urging strategy is formulated according to the connection state of each telephone number, so that a call-receiving urging person can urge to receive according to the call-receiving urging strategy, the waste of the work time of the call-receiving urging person can be avoided, the call-receiving urging efficiency of the call-receiving urging person is effectively improved, and the condition of mistaken call number calling during call-receiving urging call is reduced.

Based on the above implementation scheme shown in fig. 1, another embodiment of the present application provides a method for hastening receipt of a loan overdue case, including the following steps:

and setting a sending and washing rule for a plurality of numbers of the loan overdue case, and pushing the numbers screened out according to the sending and washing rule to corresponding operation service terminals (Unicom, telecom and Mobile) for number washing. And after the number washing result (such as normal number, shutdown number, stop number, empty number, invalid number, limited number and the like) is returned by the operation server, the connection state of the overdue loan case is determined according to the number washing result.

The case that can dial is conveniently urged to directly select to follow up, the blind selection of case dialing is reduced, and precious working time is wasted. Meanwhile, the management layer can conveniently make corresponding collection urging strategies according to different cases, classified dialing is achieved, and collection urging is effectively achieved.

The specific process is as follows:

step 1, setting sending and washing rules for overdue cases of loans

And step 11, making a first sending rule for the overdue loan cases which are not sent.

The method specifically comprises the following steps:

and step 111, matching multiple first-washing conditions to be selected for the overdue cases of the loans which are not washed.

Wherein, the first washing conditions to be selected comprise: service line, overdue days, committee amount, unpaid payment period, committee start date, distance committee end date, case state (optional values: new case, pending case, divided case, left case, delay, and optional), number relationship (optional values: client, spouse, parent, child, sibling, classmate, colleague, friend, public institution, and other relationships), whether the number has been dialed, current number washing state (optional values: no number washing, no number, invalid, limited, normal, non-mobile phone number, shutdown, temporary unavailable, unknown, and optional).

And step 112, receiving the selected first-washing setting condition field. The first washing setting condition field is at least one first washing condition to be selected, which is screened from the plurality of first washing conditions to be selected by a user according to needs.

And step 113, receiving the first-washing setting content of the first-washing setting condition field, and forming a first-time washing rule.

For example, the first-time washing rule is set as: the service line is PHUPL, the number of overdue days is 90-100, the commission amount is 10000-plus 50000, the unreturned number is 5-10, the commission starting date is 20200801-plus 20201231, the case state is a new case, the case type is N, the number relationship is the client, whether the number is dialed is not, the current number washing state is no number washing, and the storage is successfully clicked after the setting. The condition is set only once, and the system screens the telephone numbers of overdue cases according to the condition.

And step 12, making a re-sending rule for the past loan case which is sent and washed once.

The method specifically comprises the following steps:

and step 121, matching a plurality of conditions to be selected and washed for the overdue cases of the loan.

Wherein the conditions for re-washing to be selected comprise: service line, overdue days, committee amount, unreturned period, committee start date, distance committee end date, case state (optional values: new case, pending case, divided case, reserved case, slow urging, and optional values), number relationship (optional values: client, spouse, parent, child, brother, sister, classmate, colleague, friend, public institution, and other relationships, and optional values), whether the number has been dialed, grade rating, previous number washing state (optional values: no number washed, no number, invalid, limited, normal, non-mobile phone number, shutdown, temporary unavailable, unknown), and number washing period.

Step 122, receive the selected rewashing setup condition field. Wherein, the rewashing setting condition field is at least one rewashing condition to be selected, which is selected from the plurality of rewashing conditions according to the needs of the user.

Step 123, receiving the content of the backwashing setting of the condition to be selected for backwashing, and forming a backwashing rule.

Setting the number washing condition again as PHUPL, 90-100 overdue days, 50000-70000 commission amount, 5-10 unpaid period, 20200801 commission start date, 20201231 case state, C case type, number relation as customer, whether the number is dialed or not, previous number washing state as shutdown, 10 number washing period, grade as 3, and after setting, clicking to store successfully.

And step 13, checking the set first washing rule or second washing rule, if the set first washing rule or second washing rule meets the check standard, entering the step 131, and otherwise, failing to set the rules.

And step 131, counting the inspection number of the first washing rule or the second washing rule corresponding to the same service line.

And 132, judging whether the checking quantity is smaller than a set threshold value, if so, entering a step 133, and otherwise, failing to set.

Step 133, if the number of the checks is 1, directly determining that the first washing rule or the second washing rule of the service line is the first washing target rule or the second washing target rule; and if the number of the inspection is more than one, merging the plurality of first washing rules or the plurality of second washing rules of the service line, and setting the merged first washing rules or second washing rules as first washing target rules or second washing target rules.

For example, the re-wash rule is set to: the service line is PHUPL, the number of overdue days is 90-100, the committee amount is 50000-.

And setting a re-sending and washing rule as follows: the service line is PHUPL and Dafei 7 credit, the number of overdue days is 90-100, the committee amount is 50000-70000, the number of unreturned accounts is 10-60, the committee starting date is 20200801-20201231, the case state is divided, the case type is D, the number relationship is the client, whether the number is dialed is not, the number washing state in the previous time is off, the number washing period is 10 days, the rating is 3, and the click storage is successful after the setting.

And 2, judging whether the received loan overdue case meets the washing rules or not, and saving the telephone number of the loan overdue case meeting the washing rules as a washing number in a washing number library.

And step 21, judging whether the received loan overdue case has a record of number washing, if not, entering step 22, and if so, entering step 25.

And step 22, judging whether the received loan overdue case meets the first sending target rule, if so, entering step 23, and if not, not washing the number.

And step 23, taking the telephone number corresponding to the received loan overdue case as a number to be washed, judging whether the number to be washed has a washing record, if so, entering the step 24, otherwise, directly taking the number to be washed as the washing number.

And 24, judging whether the time interval between the current time and the last washing time of the number to be washed exceeds an interval threshold value, if so, saving the number to be washed as a washing number to a washing number library, and otherwise, taking the last washing record of the number to be washed as the washing result of the number to be washed.

Examples are:

and 8, newly importing a case in 8 th month and 1 st month, wherein the case import is carried out in principle and needs to be washed for the first time, if the last number washing time of the number to be washed is more than N from the current time, the number washing for the first time is carried out, and if the last number washing time is less than N, the number washing for the first time is not carried out. And N is the system set washing interval parameter.

And 25, judging whether the received loan overdue case meets the re-sending target rule, if so, entering the step 26, and if not, not performing number washing.

And step 26, taking the telephone number corresponding to the received loan overdue case as a number to be washed, judging whether the number to be washed meets the last washing date plus the washing period not more than the current date, and the current time interval from the last washing time is more than an interval threshold, if so, saving the number to be washed as the washing number to a washing number library, otherwise, not washing the number.

Case 1: the number 13816652936 was imported on day 8.1, the first time of the washing on day 8.1, and if the washing cycle is 30 days, the next time equals the latest time + the washing cycle, i.e. day 9.1.

Case 2: number 13816652936 was imported at day 8.6, and the number cycle was repeated for 20 days. Assuming that the minimum time interval is 7 days, case 2 will first continue with the 8.1 day number wash results, i.e. the latest number wash time: day 8.1. The time of the next washing is the latest washing time plus the washing period, namely 8.21 days.

And 3, calling the washing number from the washing number library regularly or irregularly, and pushing the washing number to the operator server for washing.

And 4, receiving the number washing result of each sent number fed back by the operator server, and updating the number state of the telephone number of the loan overdue case according to the number washing result.

If one washing number corresponds to a plurality of loan overdue cases, the states of the washing number in the loan overdue cases are updated simultaneously.

And 5, calculating the connection state of the loan overdue case according to the number state of at least one telephone number corresponding to the loan overdue case, and adding the connection state into case information corresponding to the loan overdue case.

The method specifically comprises the following steps:

and step 51, classifying at least one telephone number corresponding to the loan overdue case. For example, the division into three classes is the human, the immediate relatives class, and the other relationship class, respectively.

And step 52, determining the connection state of each category according to the number washing result of the telephone number corresponding to each category.

The method specifically comprises the following steps:

if the state of at least one telephone number in the number washing results of the telephone numbers corresponding to the category is a normal state, the connection state of the category is a connectable state;

if the number washing result of the telephone number corresponding to the category is empty number or halt, the connection state of the category is an offline state;

if the number washing results of the telephone numbers corresponding to the category are no numbers, the connection state of the category is a no-number state;

and if the number washing result of the telephone number corresponding to the category belongs to results except the connection state, determining that the connection state of the category is the pending connection state.

And 6, obtaining the loan overdue case with the connection state being the connectable state as the connectable case, obtaining the overdue amount and the grading level from the case information of the connectable case, and displaying the overdue amount and the grading level on the management terminal.

And 7, receiving case marks of the loan overdue cases sent by the management terminal, and marking the loan overdue cases according to the case marks.

The method specifically comprises the following steps: the regional manager has two buttons of an intelligent dialing strategy and a manual dialing strategy according to the connection state, overdue amount and grading level of the overdue cases of the loan displayed on the management terminal, and each button is displayed after being clicked: and 6 drop-down items of small pieces which can be linked, small pieces which can be undetermined, small pieces which can be linked together, large pieces which can be determined and large pieces which can be linked together are selected, and corresponding case marks are marked when the selected cases are clicked.

And 8, determining a collection calling mode corresponding to the overdue case of the loan according to the case mark.

And step 81, if the case is marked as an intelligent dialing strategy, acquiring the telephone number which belongs to the account overdue case in the connectable state and has the number washing result in the normal state, and regularly and uniformly dialing by using the telephone platform. If the user dials on, the user can transfer the call to the collection urging terminal, and the case information of the overdue case is popped up on the collection urging terminal for the communication of the person. If any one of the phone numbers is connected, the other phone numbers are hung up directly.

And step 82, if the case is marked as a manual dialing strategy, pushing the telephone number which is obtained from the loan overdue case in the connectable state and has the number washing result in the normal state to the collection urging terminal. So as to prompt the operator to make a manual call for prompt receipt.

Based on the above process, the flow of the specific implementation shown in fig. 2 is:

s1, acquiring the corresponding number for the case which is in accordance with the first washing rule and has no washing record.

S2, if there is the same number in the system, it will not process the number washing, otherwise, it will go to step S3.

And S3, storing the number in a washing number library.

And S4, extracting the number from the washing number library and pushing the number to the operator server for washing.

S5, corresponding numbers are obtained for the cases with washing records which accord with the re-washing rules.

S6, determining whether: and if the last number washing date and the number washing period are not more than the current date, the step S7 is carried out, otherwise, the number washing processing is not carried out.

S7, judging whether the last time the number is sent for washing is more than N days set by the system, if yes, entering step S3, otherwise, not processing number washing.

And S8, the second-day collection system acquires the number washing result returned by the operator server.

And S9, updating the number washing result to the corresponding case.

And S10, performing associable state calculation on the number states of each case client, the direct relatives and other relations.

And S11, the district manager conducts case marking and subpackaging.

S12, judging whether the case is intelligent dialing hastening, if yes, entering step S13, otherwise, entering step S14.

And S13, setting an intelligent dialing strategy by the regional manager for collection.

And S14, prompting the user to collect the message by clicking, dialing and dialing one key.

Further, as a specific implementation of the method shown in fig. 1, an embodiment of the present application provides an apparatus for expecting a loan overdue case, as shown in fig. 3, the apparatus includes: the device comprises a setting module 31, a judging module 32, a pushing module 33, a receiving module 34 and an urging module 35 which are connected in sequence.

And the setting module 31 is used for setting target sending and washing rules for the overdue cases of the loan.

The judging module 32 is configured to judge whether the obtained case information of the loan overdue case meets the target sending rule, and determine the phone number of the loan overdue case meeting the target sending rule, where each loan overdue case corresponds to at least one phone number.

The pushing module 33 is configured to determine a corresponding operator server according to the washing number, and push the washing number to the operator server, so that the operator server confirms a connection status of the washing number.

The receiving module 34 is configured to receive a connection state corresponding to the send-washing number fed back by the operator server, and add the connection state to a phone number state corresponding to the loan overdue case.

And the collection urging module 35 is used for determining a collection urging notification mode corresponding to the overdue case according to the telephone number state corresponding to the overdue case.

In a specific embodiment, the setting module 31 specifically includes:

and the first washing setting unit is used for setting a first washing rule for the loan overdue case without the washing record.

And the rewashing setting unit is used for making a rewashing rule for the loan overdue case with the rewashing record.

And the checking unit is used for checking the first washing rule or the second washing rule and taking the first washing rule or the second washing rule which is successfully checked as the first target washing rule or the second target washing rule.

In a specific embodiment, the first wash setting unit is specifically configured to:

matching multiple first-washing conditions to be selected for the loan overdue cases without the washing record in at least one service line; receiving a first-washing setting condition selected from the first-washing conditions to be selected, and displaying a first-washing content setting window of the first-washing setting condition; and receiving the first-washing setting content through the first-washing content setting window, and generating a first-time washing rule according to the first-washing setting content.

The backwashing setting unit is specifically configured to:

matching a plurality of conditions to be selected and rewashed for the past loan cases with washing records in at least one service line; receiving a backwashing setting condition selected from the conditions to be selected and displaying a backwashing content setting window of the backwashing setting condition; and receiving the backwashing setting content through the backwashing content setting window, and generating a backwashing rule according to the backwashing setting content.

In a specific embodiment, the verification unit specifically includes:

and the counting unit is used for counting the first washing check quantity of the first washing rule or the second washing check quantity of the second washing rule corresponding to the same service line.

The judging unit is used for directly determining the first washing checking quantity or the second washing checking quantity as a first target washing rule or a second target washing rule if the first washing checking quantity or the second washing checking quantity is 1; if the first washing checking quantity or the second washing checking quantity is larger than 1, judging whether the first washing checking quantity or the second washing checking quantity is smaller than or equal to a set threshold value, if so, successfully checking, merging the multiple first washing rules or the multiple second washing rules of the same service line, taking the merged first washing rule as a first washing target rule, or taking the merged second washing rule as a second washing target rule, otherwise, if not, failing to check, and resetting the first washing rules or the second washing rules of the same service line.

In a specific embodiment, the determining module 32 specifically includes:

and the first washing judgment unit is used for judging whether the case information of the loan overdue case meets the first target washing rule or not if the obtained loan overdue case has no washing record, extracting at least one telephone number corresponding to the loan overdue case as a first number to be washed to perform identification judgment if the case information of the loan overdue case meets the first target washing rule, storing the first number to be washed which is successfully identified into a washing number library, and not washing the corresponding loan overdue case if the case information of the loan overdue case does not meet the first target washing rule.

And the second washing judgment unit is used for judging whether the case information of the loan overdue case meets the second target washing rule for comparison if the obtained loan overdue case has a washing record, extracting at least one telephone number corresponding to the loan overdue case as a second number to be washed for identification and judgment if the case information of the loan overdue case meets the second target washing rule, storing the second number to be washed which is successfully identified into the washing number library, and not washing the corresponding loan overdue case if the case information of the loan overdue case does not meet the second target washing rule.

In a specific embodiment, the first-time washing determination unit is specifically configured to:

The second-time washing judgment unit is specifically configured to:

In an embodiment, the catalytic recovery module 35 specifically includes:

the loan overdue case connection state determination unit is used for determining the connection state of the loan overdue case according to the phone number state corresponding to the loan overdue case, wherein the connection state comprises the following steps: an available state, an unavailable state and a pending connection state.

And the pushing display unit is used for taking the loan overdue case with the connection state being the connectable state as the connectable case, acquiring the overdue amount and the grading level from the case information of the connectable case, sending the overdue amount and the grading level to the management terminal, and displaying the overdue amount and the grading level of the connectable case on the management terminal.

The system comprises a mark receiving unit and a case mark receiving unit, wherein the mark receiving unit is used for receiving case marks of associable cases sent by a management terminal, and the case marks comprise: intelligent dialing strategy and manual dialing strategy.

And the collection and pushing unit is used for regularly dialing the telephone number of the connectable case by using the intelligent telephone dialing system if the case of the connectable case is marked as an intelligent dialing strategy, and pushing the telephone number of the connectable case to the manual collection and pushing terminal if the case of the connectable case is marked as a manual dialing strategy.

In order to achieve the above object, based on the embodiments of the method shown in fig. 1 and the apparatus shown in fig. 3, an electronic device is further provided in the embodiments of the present application, as shown in fig. 4, which includes a memory 42 and a processor 41, where the memory 42 and the processor 41 are both disposed on a bus 43, the memory 42 stores a computer program, and the processor 41 implements the method for urging the loan overdue case shown in fig. 1 when executing the computer program.

Based on such understanding, the technical solution of the present application may be embodied in the form of a software product, which may be stored in a non-volatile memory (which may be a CD-ROM, a usb disk, a removable hard disk, or the like), and includes several instructions for enabling an electronic device (which may be a personal computer, a server, or a network device, or the like) to execute the method according to the implementation scenarios of the present application.

Optionally, the device may also be connected to a user interface, a network interface, a camera, Radio Frequency (RF) circuitry, sensors, audio circuitry, a WI-FI module, and so forth. The user interface may include a Display screen (Display), an input unit such as a keypad (Keyboard), etc., and the optional user interface may also include a USB interface, a card reader interface, etc. The network interface may optionally include a standard wired interface, a wireless interface (e.g., a bluetooth interface, WI-FI interface), etc.

It will be understood by those skilled in the art that the structure of an electronic device provided in the present embodiment does not constitute a limitation of the physical device, and may include more or less components, or some components in combination, or a different arrangement of components.

Based on the embodiments of the method shown in fig. 1 and the apparatus shown in fig. 3, correspondingly, the present application further provides a storage medium, on which a computer program is stored, which when executed by a processor implements the method for receiving a loan overdue case shown in fig. 1.

The storage medium may further include an operating system and a network communication module. An operating system is a program that manages the hardware and software resources of an electronic device, supporting the operation of information handling programs, as well as other software and/or programs. The network communication module is used for realizing communication among components in the storage medium and communication with other hardware and software in the electronic equipment.

Through the above description of the embodiments, those skilled in the art will clearly understand that the present application can be implemented by software plus a necessary general hardware platform, and can also be implemented by hardware.

By applying the technical scheme, the corresponding target washing rule is set for the loan overdue case in advance, the telephone number of the loan overdue case which meets the target washing rule is used as a washing number, each washing number is pushed to the corresponding operator server for washing, then the connection state corresponding to the washing number fed back by the operator server is received, and the collection prompting notification mode corresponding to the loan overdue case is determined according to the connection state. Like this, before carrying out the call-in to loan overdue case, send the telephone number to the operator server to the loan overdue case earlier and wash the number, can learn the connected state of each telephone number like this in advance, and then formulate corresponding policy of urging receipts according to the connected state of each telephone number for urge the person to urge to receive according to the policy of urging receipts, can avoid extravagant person's operating time, effectively improve urge the efficiency of receiving of urging the person, the condition of the number of appearing the mistake when reducing simultaneously and urging to receive to dial the call.

Those skilled in the art will appreciate that the figures are merely schematic representations of one preferred implementation scenario and that the blocks or flow diagrams in the figures are not necessarily required to practice the present application. Those skilled in the art will appreciate that the modules in the devices in the implementation scenario may be distributed in the devices in the implementation scenario according to the description of the implementation scenario, or may be located in one or more devices different from the present implementation scenario with corresponding changes. The modules of the implementation scenario may be combined into one module, or may be further split into a plurality of sub-modules.

The above application serial numbers are for description purposes only and do not represent the superiority or inferiority of the implementation scenarios. The above disclosure is only a few specific implementation scenarios of the present application, but the present application is not limited thereto, and any variations that can be made by those skilled in the art are intended to fall within the scope of the present application.

Claims

1. A loan overdue case collection method is characterized by comprising the following steps:

setting a target washing rule for the overdue case of the loan;

2. The method according to claim 1, wherein the setting of target washing rules for the loan overdue case specifically comprises:

making a first sending rule for the loan overdue case without the sending record;

setting a re-sending rule for the loan overdue case with the sending record;

and checking the first washing rule or the second washing rule, and taking the first washing rule or the second washing rule which is successfully checked as a first target washing rule or a second target washing rule.

3. The method according to claim 2, wherein the formulating first-time delivery rules for loan overdue cases without delivery records comprises:

matching multiple first-washing conditions to be selected for the loan overdue cases without the washing record in at least one service line;

receiving a first washing setting condition selected from the first washing conditions to be selected, and displaying a first washing content setting window of the first washing setting condition;

receiving the first-washing setting content through a first-washing content setting window, and generating a first-time washing rule according to the first-washing setting content;

then, a re-sending rule is formulated for the loan overdue case with the sending record, and the method specifically comprises the following steps:

matching a plurality of conditions to be selected and rewashed for the past loan cases with washing records in at least one service line;

receiving a backwashing setting condition selected from the conditions to be selected and displaying a backwashing content setting window of the backwashing setting condition;

and receiving the backwashing setting content through the backwashing content setting window, and generating a backwashing rule according to the backwashing setting content.

4. The method according to claim 2, wherein the verifying the first-time washing rule or the second-time washing rule, and using the first-time washing rule or the second-time washing rule that is successfully verified as the first-time target washing rule or the second-time target washing rule specifically comprises:

counting the first washing verification number of the first washing rule or the second washing verification number of the second washing rule corresponding to the same service line;

if the first washing verification quantity or the second washing verification quantity is 1, directly determining the first washing verification quantity or the second washing verification quantity as a first target washing rule or a second target washing rule;

if the first washing verification quantity or the second washing verification quantity is larger than 1, judging whether the first washing verification quantity or the second washing verification quantity is smaller than or equal to a set threshold value, if so, successfully verifying, merging the multiple first washing rules or the multiple second washing rules of the same service line, taking the merged first washing rule as a first washing target rule, or taking the merged second washing rule as a second washing target rule, otherwise, failing to verify, and resetting the first washing rules or the second washing rules of the same service line.

5. The method according to claim 2, wherein the judging whether the obtained case information of the loan overdue case meets the target sending rule or not takes the telephone number of the loan overdue case meeting the target sending rule as a sending number, wherein each loan overdue case corresponds to at least one telephone number, and specifically comprises:

if the obtained loan overdue case has no delivery record, judging whether the case information of the loan overdue case meets the first target delivery rule, if so, extracting at least one telephone number corresponding to the loan overdue case as a first number to be delivered for identification and judgment, storing the first number to be delivered which is successfully identified into a delivery number library, and if not, delivering the corresponding loan overdue case;

if the obtained loan overdue case has a sending record, judging whether the case information of the loan overdue case meets the second target sending rule, if so, extracting at least one telephone number corresponding to the loan overdue case as a second number to be sent for identification and judgment, storing the second number to be sent which is successfully identified into a sending number library, and if not, not sending the corresponding loan overdue case.

6. The method according to claim 5, wherein the extracting at least one phone number corresponding to the loan overdue case as a first number to be washed for identification and judgment, and storing the first number to be washed, which is successfully identified, in a washing number library specifically comprises:

extracting at least one telephone number corresponding to the loan overdue case as a first number to be washed, and judging whether the first number to be washed has a washing record;

if the first number to be washed has a washing record, judging whether the time interval between the first number to be washed and the last washing time exceeds an interval threshold value, if so, storing the first number to be washed into a number washing library, otherwise, taking the last washing result of the first number to be washed as the connection state of the first number to be washed;

and then the extracting of at least one phone number corresponding to the loan overdue case as a second number to be washed is identified and judged, and the second number to be washed, which is successfully identified, is stored in a number library to be washed, which specifically comprises:

and extracting at least one telephone number corresponding to the loan overdue case as a second number to be washed, judging whether the second number to be washed meets the last washing date plus the washing period which is not more than the current date, judging whether the current time interval from the last washing time interval of the second number to be washed is more than an interval threshold value, if so, storing the second number to be washed into a washing number library, otherwise, not washing the number.

7. The method according to claim 1, wherein the determining of the collection urging notification manner corresponding to the loan overdue case according to the phone number status corresponding to the loan overdue case specifically comprises:

determining the connection state of the loan overdue case according to the phone number state corresponding to the loan overdue case, wherein the connection state comprises the following steps: a connectable state, a disconnected state and a pending connection state;

the loan overdue case with the connection state being the connectable state is used as the connectable case, the overdue amount and the grading level are obtained from the case information of the connectable case and sent to the management terminal, and the overdue amount and the grading level of the connectable case are displayed on the management terminal;

receiving case marks of the coupleable cases sent by the management terminal, wherein the case marks comprise: an intelligent dialing strategy and a manual dialing strategy;

if the case of the connectable case is marked as an intelligent dialing strategy, regularly dialing the telephone number of the connectable case by using a telephone intelligent dialing system; and if the case of the coupleable case is marked as a manual dialing strategy, pushing the telephone number of the coupleable case to a manual collection terminal.

8. An apparatus for urging receipt of a loan overdue case, the apparatus comprising:

9. An electronic device comprising a memory and a processor, the memory storing a computer program, wherein the processor when executing the computer program implements the steps of the method of claim 1 to 7 for the collection of a loan overdue case.

10. A storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the steps of the method of claim 1 to 7 of urging receipt of a loan overdue case.