CN113065948A - Artificial intelligence-based collection and staging method, device, equipment and medium - Google Patents

Artificial intelligence-based collection and staging method, device, equipment and medium Download PDF

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CN113065948A
CN113065948A CN202110299389.4A CN202110299389A CN113065948A CN 113065948 A CN113065948 A CN 113065948A CN 202110299389 A CN202110299389 A CN 202110299389A CN 113065948 A CN113065948 A CN 113065948A
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collection
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delay
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urging
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宋保军
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Guangdong Xianneng Digital Technology Co ltd
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Guangdong Xianneng Digital Technology Co ltd
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    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F17/00Digital computing or data processing equipment or methods, specially adapted for specific functions
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Abstract

The application provides a method, a device, equipment and a medium for hastening and collecting and staging based on artificial intelligence, and the method, the device and the medium are used for obtaining the last repayment date T of any period in any bill to be repayed of any user; confirming whether the payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 3; if the payment is made, acquiring an actual payment date, confirming the number of days for collection in the current period according to a first payment date Y and a first preset collection urging rule, and sending a collection urging short message once a day within the collection urging days; if not, confirming whether to apply for delay; if the delay is applied, acquiring a delay date, confirming the number of current-term collection days according to the delay date R and a second preset collection urging rule, and sending a collection urging short message once per day in the collection urging days; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue. This application has corresponding to urge receipts to user's visitor crowd, user's credit limit, repayment circumstances not used, has both improved and has urged the receipts efficiency to have improved and urge the receipts dynamics.

Description

Artificial intelligence-based collection and staging method, device, equipment and medium
Technical Field
The application relates to the technical field of financial collection hastening, in particular to a collection hastening staging method, a collection hastening staging device and a collection hastening staging medium based on artificial intelligence.
Background
With the improvement of consumption level and financial internet technology, more and more credit platforms, banks and the like release related financial services, more and more people are used to the life style of loan advanced consumption, so that the payment collection promotion aspect is particularly important with the increase of users and the diversity of credit rules, and if the payment promotion is not timely, great money loss can be caused.
At present, the collection hastening in the prior art is either all through the manual telephone mode, or just send out the SMS notice, but can not be accurate carry out more accurate and the collection hastening of dynamics to the different customer repayment circumstances, lead to hastening the collection effect not good.
Therefore, the application provides a collection and staging method, a collection and staging device, equipment and a collection and staging medium based on artificial intelligence, which can accurately and forcefully collect.
Disclosure of Invention
An object of the embodiments of the present application is to provide a method, an apparatus, a device and a medium for hastening receipts based on artificial intelligence, so as to solve the problem that the accurate hastening receipts and the forceful hastening receipts cannot be performed for different customers. The specific technical scheme is as follows:
in a first aspect, the present application provides an artificial intelligence based intelligent hastening and staging method, the method comprising:
acquiring the last repayment date T of any period in any bill to be repayed of the user;
confirming whether the payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 2;
if the payment is made, acquiring an actual payment date, confirming the number of days for collection in the current period according to a first payment date Y and a first preset collection urging rule, and sending a collection urging short message once a day within the collection urging days;
if not, confirming whether to apply for delay;
if the delay is applied, acquiring a delay date, confirming the number of current-term collection days according to the delay date R and a second preset collection urging rule, and sending a collection urging short message once per day in the collection urging days; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
Optionally, the first preset collection urging rule is:
if Y is less than or equal to T-N, the number of days for accelerating harvest is 0;
if Y is more than T-N, the number of harvest-promoting days is determined to be Y-T + N.
Optionally, the second preset collection urging rule includes:
acquiring an application overdue date R;
if R is less than or equal to N, the number of days for accelerating recovery is 0;
if R > T-N, the number of harvest-promoting days is determined to be R-T + N.
Optionally, the preset statistical rule is:
the first stage of the bill period, wherein N is 3;
the rest period of the bill is divided into periods, whether the delay is applied or not is judged, and if yes, the value of the current period N is increased by 1 compared with the value of the previous period N; if not, N remains unchanged.
Optionally, the method further comprises: and counting the number of collection times after the bill period to be paid is ended, and if the number of collection times is 0, increasing the credit of the user.
Optionally, the method further comprises: and after the bill period to be paid is ended, counting the overdue times, and if the overdue times are larger than a preset threshold, reducing the credit of the user, wherein the credit is in direct proportion to the credit card amount.
In a second aspect, the present application provides an artificial intelligence based collection and staging device, the device comprising:
the first acquisition unit is used for acquiring the last repayment date T of any period in any bill to be repayed of the user;
the first confirming unit is used for confirming whether payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 2;
the second acquisition unit is used for acquiring the actual payment date if the payment is made;
the second confirmation unit is used for confirming the number of days for collection in the current period according to the first repayment date Y and a first preset collection prompting rule, and sending a short message for collection once a day in the number of days for collection;
a third confirming unit, configured to confirm whether to apply for a delay if the payment is not paid;
a third obtaining unit, configured to obtain a delay date if a delay is applied;
the fourth confirming unit is used for confirming the number of days for which the terminal is expecting to receive according to the delay date R and a second preset expecting rule, and sending an expecting short message once a day in the number of days for expecting to receive; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
In a third aspect, the present application provides an electronic device, including a processor, a communication interface, a memory and a communication bus, where the processor, the communication interface, and the memory complete mutual communication through the communication bus;
a memory for storing a computer program;
a processor for implementing the method steps of any of the first aspect when executing a program stored in the memory.
In a fourth aspect, the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method steps of any of the second aspects.
The embodiment of the application has the following beneficial effects:
the embodiment of the application provides a method, a device, equipment and a medium for hastening and collecting and staging based on artificial intelligence, wherein the method comprises the steps of obtaining the last repayment date T of any period in any bill to be repayed of any user; confirming whether the payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 2; if the payment is made, acquiring an actual payment date, confirming the number of days for collection in the current period according to a first payment date Y and a first preset collection urging rule, and sending a collection urging short message once a day within the collection urging days; if not, confirming whether to apply for delay; if the delay is applied, acquiring a delay date, confirming the number of current-term collection days according to the delay date R and a second preset collection urging rule, and sending a collection urging short message once per day in the collection urging days; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue. This application has corresponding receipts of urging to the repayment condition that does not have, has both improved and has urged the receipts efficiency to have improved and urge the receipts dynamics.
Of course, not all advantages described above need to be achieved at the same time in the practice of any one product or method of the present application.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without inventive exercise.
FIG. 1 is a flow chart of an artificial intelligence based catalyst recovery staging method provided in an embodiment of the present application;
fig. 2 is a schematic structural diagram of an artificial intelligence-based collection and staging device according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the application provides an artificial intelligent delayed receipt and payment method which can be applied to the scenes of delayed payment of credit cards or other loan platforms such as beige, beige and flower.
The following will explain in detail an artificial intelligence based harvesting staging method provided in the embodiments of the present application with reference to specific embodiments, as shown in fig. 1, the specific steps are as follows:
s101: and acquiring the last repayment date T of any period in the bill to be repayed of any user.
In this step, for example, if the credit card performs authorization association through the system resource of the corresponding bank, the last payment date of the user can be obtained.
S102: and determining whether the payment is made within T-N days, wherein the value of N is determined according to a preset statistical rule, and N is more than or equal to 2.
Optionally, the preset statistical rule is:
the first stage of the bill period, wherein N is 3;
the rest period of the bill is divided into periods, whether the delay is applied or not is judged, and if yes, the value of the current period N is increased by 1 compared with the value of the previous period N; if not, N remains unchanged.
In this step, if the user pays, the bank system sends a feedback result, and confirms whether to pay according to the feedback result.
S103: if the payment is made, acquiring an actual payment date, confirming the number of days for collection in the current period according to a first payment date Y and a first preset collection urging rule, and sending a collection urging short message once a day within the collection urging days;
s104: if not, confirming whether to apply for delay;
s105: if the delay is applied, acquiring a delay date, confirming the number of current-term collection days according to the delay date R and a second preset collection urging rule, and sending a collection urging short message once per day in the collection urging days;
s106: if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
Optionally, the first preset collection urging rule is:
if Y is less than or equal to T-N, the number of days for accelerating harvest is 0;
if Y is more than T-N, the number of harvest-promoting days is determined to be Y-T + N.
Optionally, the second preset collection urging rule includes:
acquiring an application overdue date R;
if R is less than or equal to N, the number of days for accelerating recovery is 0;
if R > T-N, the number of harvest-promoting days is determined to be R-T + N.
Optionally, the method further comprises: and counting the number of collection times after the bill period to be paid is ended, and if the number of collection times is 0, increasing the credit of the user.
Optionally, the method further comprises: and after the bill period to be paid is ended, counting the overdue times, and if the overdue times are larger than a preset threshold, reducing the credit of the user, wherein the credit is in direct proportion to the credit card amount.
In a specific example, for example, the last repayment date of each period of the credit card installment bill of the user a is 25 monthly, the user a needs to advance 2 days to the first 23, that is, N is 2, to confirm whether to repay, if the user a repays on the day 23 or before, which indicates that the user a is actively repayment, then the user a does not need to send the short message for prompt collection, thus saving the charge and the flow. If A repays at number 24, only need to send the short message of urging to accept once at number 23, if A repays at number 25, only need to repay at number 23, number 24.
If 25 has not paid yet, then confirm whether to apply for postponing, if apply for, and apply for postpone date 23 on the day or before, then need not send urge to accept the message, if apply for postpone at 24, then send urge to accept the message at 23, if apply for postpone at 25, then only need to send urge to accept the message at 23 and 24 separately, if 25 have not applied for postpone, also not repay, then need to send urge to accept the message at 23 and 25 separately, 24 and 25 separately.
And if the delay is applied, the repayment capacity of the user is not good, the intensity and the strength of the hastening charge are required to be enhanced, the hastening charge is required to be carried out 3 days in advance when the user is in the next period, namely the hastening charge is carried out when the user is in the second period 22, if the user is still in the second period, the hastening charge is carried out when the user is in the third period 21, the hastening charge is carried out one day in advance when the user is delayed once, and the hastening charge strength is improved for the user with poor repayment capacity by the hastening charge mode so as to prevent property loss.
Based on the same inventive concept, the present application provides an artificial intelligence based hastening and staging device, as shown in fig. 2, comprising:
a first obtaining unit 201, configured to obtain a last payment date T of any period in any bill to be paid of a user;
the first confirming unit 202 is used for confirming whether payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 2;
a second obtaining unit 203, configured to obtain an actual payment date if the payment is made;
the second confirming unit 204 is configured to confirm the current collection time according to the first repayment date Y and a first preset collection prompting rule, and send a collection prompting short message once per day within the collection prompting time;
a third confirming unit 205, configured to confirm whether to apply for deferral if the payment is not paid;
a third obtaining unit 206, configured to obtain a delay date if a delay is applied;
a fourth confirming unit 207, configured to confirm the current collection time according to the delay date R and a second preset collection urging rule, and send a collection urging short message once per day within the collection urging time; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
Based on the same inventive concept, the embodiment of the present invention further provides an electronic device, as shown in fig. 3, including a processor 301, a communication interface 302, a memory 303, and a communication bus 304, where the processor 301, the communication interface 302, and the memory 303 complete mutual communication through the communication bus 304,
a memory 303 for storing a computer program;
the processor 301, when executing the program stored in the memory 303, implements the steps of the method described below.
The communication bus mentioned in the electronic device may be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The communication bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown, but this does not mean that there is only one bus or one type of bus.
The communication interface is used for communication between the electronic equipment and other equipment.
The Memory may include a Random Access Memory (RAM) or a Non-Volatile Memory (NVM), such as at least one disk Memory. Optionally, the memory may also be at least one memory device located remotely from the processor.
The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components.
In yet another embodiment of the present invention, a computer-readable storage medium is further provided, in which a computer program is stored, and the computer program, when executed by a processor, implements the steps of any of the above artificial intelligence-based methods for hastening collection and staging.
In yet another embodiment of the present invention, there is provided a computer program product containing instructions which, when run on a computer, cause the computer to perform any of the artificial intelligence based methods of hastening a staged version of the above embodiments.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the invention to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.
It is noted that, in this document, relational terms such as "first" and "second," and the like, may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The above description is merely exemplary of the present application and is presented to enable those skilled in the art to understand and practice the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (9)

1. An artificial intelligence based harvesting staging method, comprising:
acquiring the last repayment date T of any period in any bill to be repayed of the user;
confirming whether the payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 3;
if the payment is made, acquiring an actual payment date, confirming the number of days for collection in the current period according to a first payment date Y and a first preset collection urging rule, and sending a collection urging short message once a day within the collection urging days;
if not, confirming whether to apply for delay;
if the delay is applied, acquiring a delay date, confirming the number of current-term collection days according to the delay date R and a second preset collection urging rule, and sending a collection urging short message once per day in the collection urging days; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
2. The method of claim 1, wherein the first pre-set hastening rule is:
if Y is less than or equal to T-N, the number of days for accelerating harvest is 0;
if Y is more than T-N, the number of harvest-promoting days is determined to be Y-T + N.
3. The method of claim 1, wherein the second pre-set hastening rule comprises:
acquiring an application overdue date R;
if R is less than or equal to N, the number of days for accelerating recovery is 0;
if R > T-N, the number of harvest-promoting days is determined to be R-T + N.
4. The method according to claim 1, wherein the predetermined statistical rule is:
the bill is divided into first period, and N is 2;
the rest period of the bill is divided into periods, whether the delay is applied or not is judged, and if yes, the value of the current period N is increased by 1 compared with the value of the previous period N; if not, N remains unchanged.
5. The method of claim 1, further comprising: and counting the number of collection times after the bill period to be paid is ended, and if the number of collection times is 0, increasing the credit of the user.
6. The method of claim 1, further comprising: and after the bill period to be paid is ended, counting the overdue times, and if the overdue times are larger than a preset threshold, reducing the credit of the user, wherein the credit is in direct proportion to the credit card amount.
7. An artificial intelligence based collection and staging device, comprising:
the first acquisition unit is used for acquiring the last repayment date T of any period in any bill to be repayed of the user;
the first confirming unit is used for confirming whether payment is made within T-N days, wherein the value of N is confirmed according to a preset statistical rule, and N is more than or equal to 3;
the second acquisition unit is used for acquiring the actual payment date if the payment is made;
the second confirmation unit is used for confirming the number of days for collection in the current period according to the first repayment date Y and a first preset collection prompting rule, and sending a short message for collection once a day in the number of days for collection;
a third confirming unit, configured to confirm whether to apply for a delay if the payment is not paid;
a third obtaining unit, configured to obtain a delay date if a delay is applied;
the fourth confirming unit is used for confirming the number of days for which the terminal is expecting to receive according to the delay date R and a second preset expecting rule, and sending an expecting short message once a day in the number of days for expecting to receive; if not applying for delay, sending a message for urging to collect once a day from T-N to T, and recording as overdue.
8. An electronic device is characterized by comprising a processor, a communication interface, a memory and a communication bus, wherein the processor and the communication interface are used for realizing mutual communication by the memory through the communication bus;
a memory for storing a computer program;
a processor for implementing the method steps of any of claims 1-6 when executing a program stored in the memory.
9. A computer-readable storage medium, characterized in that a computer program is stored in the computer-readable storage medium, which computer program, when being executed by a processor, carries out the method steps of any one of claims 1 to 6.
CN202110299389.4A 2021-03-22 2021-03-22 Artificial intelligence-based collection and staging method, device, equipment and medium Pending CN113065948A (en)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102542500A (en) * 2010-12-31 2012-07-04 上海量明科技发展有限公司 Method and system for adjusting expected repayment date of credit card by using communication tool
US20140244485A1 (en) * 2013-02-28 2014-08-28 Fiserv, Inc. Systems and methods for remote electronic collection of payment
CN108989587A (en) * 2018-06-29 2018-12-11 重庆富民银行股份有限公司 Application method of the IVR voice in the work of bank's post-loan management
CN110288464A (en) * 2019-06-11 2019-09-27 深圳前海微众银行股份有限公司 A kind of collection method, system and device
CN111754333A (en) * 2020-06-28 2020-10-09 中国银行股份有限公司 Credit card and repayment reminding method thereof

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102542500A (en) * 2010-12-31 2012-07-04 上海量明科技发展有限公司 Method and system for adjusting expected repayment date of credit card by using communication tool
US20140244485A1 (en) * 2013-02-28 2014-08-28 Fiserv, Inc. Systems and methods for remote electronic collection of payment
CN108989587A (en) * 2018-06-29 2018-12-11 重庆富民银行股份有限公司 Application method of the IVR voice in the work of bank's post-loan management
CN110288464A (en) * 2019-06-11 2019-09-27 深圳前海微众银行股份有限公司 A kind of collection method, system and device
CN111754333A (en) * 2020-06-28 2020-10-09 中国银行股份有限公司 Credit card and repayment reminding method thereof

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