CN115936854A

CN115936854A - Credit card overdue user monitoring system, method, equipment and storage medium

Info

Publication number: CN115936854A
Application number: CN202211727095.8A
Authority: CN
Inventors: 张子惠
Original assignee: China Construction Bank Corp Beijing Branch
Current assignee: China Construction Bank Corp Beijing Branch
Priority date: 2022-12-30
Filing date: 2022-12-30
Publication date: 2023-04-07

Abstract

The embodiment of the application provides a credit card overdue user monitoring system, a method, equipment and a storage medium, wherein the credit card overdue user monitoring system comprises: the acquisition module is used for acquiring the full amount of detail data of the users; the credit card overdue user report is used for displaying overdue information of multiple dimensions of a credit card overdue user; and the output module is used for sending the overdue credit card user report forms corresponding to the plurality of branch institutions to the corresponding branch institutions. The embodiment of the application can be convenient for early warning and monitoring the overdue credit card user.

Description

Credit card overdue user monitoring system, method, equipment and storage medium

Technical Field

The application belongs to the technical field of big data, and particularly relates to a credit card overdue user monitoring system, method, device and storage medium.

Background

Currently, credit card asset quality management presents a number of challenges. By early warning and monitoring the overdue credit card user, the overdue credit card user can be further prevented from moving down through remedial measures, bad assets are further compressed, and the stable development of credit card business is guaranteed.

Disclosure of Invention

The embodiment of the application provides a system, a method, equipment and a storage medium for monitoring overdue credit card users, which can be used for conveniently early warning and monitoring the overdue credit card users.

In a first aspect, an embodiment of the present application provides a system for monitoring a overdue credit card user, where the system for monitoring a overdue credit card user includes: the acquisition module is used for acquiring the full amount of user detail data; the credit card overdue user report is used for displaying overdue information of multiple dimensions of a credit card overdue user; and the output module is used for sending the credit card overdue user reports corresponding to the plurality of branches to the corresponding branches.

According to an embodiment of the first aspect of the present application, the analysis module is specifically configured to perform the following steps: classifying the total amount of the user detail data to obtain the user detail data corresponding to each branch institution; aiming at the detail data of the users which are urged to be received and correspond to any ith branch mechanism, splitting the detail data of the users which are urged to be received and correspond to the ith branch mechanism into data of a plurality of first fields, wherein i is a positive integer; processing the data of the first field based on the preset corresponding relation between the first field and the second field to obtain the data of the second field; the second field is a field in the overdue credit card user report; and summarizing the data of the second field to obtain a credit card overdue user report corresponding to the ith branch office.

According to any of the preceding embodiments of the first aspect of the present application, the analysis module is specifically configured to perform the following steps: reading the detail data of the user to be collected corresponding to the ith branch institution based on the sql statement, and splitting the detail data of the user to be collected corresponding to the ith branch institution into data of a plurality of first fields; processing the data of the first field based on a corresponding relation tree between the first field and the second field constructed based on the sql statement to obtain the data of the second field; and summarizing the data of the second field to obtain a credit card overdue user report corresponding to the ith branch office.

According to any one of the embodiments of the first aspect of the present application, the total amount of the details data of the users who are urged to receive the credit card includes the number of overdue days of the overdue users of the credit card, and the overdue information includes the number of bad days of leaving of the overdue users of the credit card; the analysis module is specifically used for calculating a difference value between the number of overdue days and a first preset threshold value to obtain the number of days with bad migration.

According to any preceding embodiment of the first aspect of the present application, the overdue information comprises an urgency of a overdue user of the credit card; the analysis module is specifically used for setting the emergency degree as a first-level warning when the days of bad migration are within a first preset range; when the days of bad migration are within a second preset range, setting the urgency degree as a second-level warning; when the number of days to bad migration is within a third preset range, the urgency is set to a third level warning.

According to any of the previous embodiments of the first aspect of the present application, the font color and/or the background color of the first level warning, the second level warning and the third level warning are different.

In a second aspect, an embodiment of the present application provides a method for monitoring overdue credit card users, which is applied to the system for monitoring overdue credit card users as claimed in any one of claims 1 to 6, and the method for monitoring overdue credit card users includes: acquiring full amount of detail data of a user; processing the detailed data of the full amount of users to be charged based on a pre-trained data analysis model to obtain overdue credit card user reports corresponding to a plurality of branch institutions respectively, wherein the overdue credit card user reports are used for displaying overdue information of a plurality of dimensions of overdue credit card users; and sending the overdue credit card user report forms corresponding to the plurality of branches to the corresponding branches.

According to any one of the foregoing embodiments of the second aspect of the present application, processing the detail data of the total amount hasten receipt user based on a pre-trained data analysis model to obtain a credit card overdue user report corresponding to each of a plurality of branch institutions specifically includes: classifying the total amount of the user detail data to obtain the user detail data corresponding to each branch institution; aiming at the detail data of the users which are urged to be received and correspond to any ith branch mechanism, splitting the detail data of the users which are urged to be received and correspond to the ith branch mechanism into data of a plurality of first fields, wherein i is a positive integer; processing the data of the first field based on the preset corresponding relation between the first field and the second field to obtain the data of the second field; the second field is a field in the overdue user report of the credit card; and summarizing the data of the second field to obtain a overdue credit card user report corresponding to the ith branch organization.

In a third aspect, an embodiment of the present application provides an electronic device, where the electronic device includes: a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program when executed by the processor implementing the steps of the credit card overdue user monitoring method as provided in the second aspect.

In a fourth aspect, embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the credit card overdue user monitoring method provided in the second aspect.

According to the credit card overdue user monitoring system, the credit card overdue user monitoring method, the credit card overdue user monitoring equipment and the storage medium, the full amount of detail data of users which are urged to be received are processed based on a pre-trained data analysis model, credit card overdue user reports corresponding to a plurality of branch institutions are obtained, the overdue information of multiple dimensions of corresponding credit card overdue users is displayed for each branch institution, the overdue condition of the credit card overdue users can be timely and clearly obtained by each branch institution, early warning and monitoring of newly exposed bad customers and potential bad customers of credit cards are facilitated, further, the credit card overdue users are prevented from moving downwards through remedial measures, bad assets are compressed, and the stable development of credit card business is guaranteed.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the embodiments of the present application will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a schematic structural diagram of a system for monitoring overdue credit card users according to an embodiment of the present disclosure;

FIG. 2 is a schematic flow chart of an analysis module in the system for monitoring overdue credit card users according to the embodiment of the present disclosure;

FIG. 3 is a schematic flow chart of an analysis module in the system for monitoring overdue credit card users according to the embodiment of the present disclosure;

fig. 4 is a schematic flowchart of a method for monitoring overdue credit card users according to an embodiment of the present disclosure;

fig. 5 shows a hardware structure diagram of an electronic device provided in an embodiment of the present application.

Detailed Description

Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative only and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by illustrating examples thereof.

It is noted that, herein, 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 phrases "comprising 8230; \8230;" 8230; "does not exclude the presence of additional like elements in a process, method, article, or apparatus that comprises the element.

It should be understood that the term "and/or" as used herein is merely one type of association that describes an associated object, meaning that three relationships may exist, e.g., a and/or B may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present application without departing from the spirit or scope of the application. Thus, it is intended that the present application cover the modifications and variations of this application provided they come within the scope of the corresponding claims (the claimed subject matter) and their equivalents. It should be noted that the embodiments provided in the embodiments of the present application can be combined with each other without contradiction.

Before explaining the technical solutions provided by the embodiments of the present application, in order to facilitate understanding of the embodiments of the present application, the present application first specifically explains the problems existing in the related art:

currently, as the financial industry becomes more competitive, credit card asset quality management presents a number of challenges. By early warning and monitoring the overdue credit card user, the overdue credit card user can be further prevented from moving down through remedial measures, bad assets are further compressed, and the stable development of credit card business is guaranteed.

Therefore, the embodiment of the application provides a credit card overdue user monitoring system, a method, equipment and a storage medium.

The technical idea of the embodiment of the application is as follows: the detailed data of the total amount of the users who are urged to be collected are processed based on a pre-trained data analysis model, credit card overdue user reports corresponding to a plurality of branch institutions are obtained, overdue information of a plurality of dimensionalities of the corresponding credit card overdue users is displayed to each branch institution, the overdue conditions of the credit card overdue users can be timely and clearly known by each branch institution, early warning and monitoring of newly exposed bad customers and potential bad customers of the credit card are facilitated, further, the credit card overdue users are prevented from being moved through remedial measures, bad assets are further compressed, and robust development of credit card business is guaranteed.

First, a system for monitoring overdue credit card users provided in the embodiments of the present application will be described.

Fig. 1 is a schematic structural diagram of a system for monitoring overdue credit card users according to an embodiment of the present disclosure. As shown in fig. 1, a system 100 for monitoring overdue credit card users according to an embodiment of the present disclosure may include the following modules:

an obtaining module 101, configured to obtain full amount of user detail data;

the analysis module 102 is configured to process detailed data of a total amount of users who are urged to receive based on a pre-trained data analysis model to obtain overdue credit card user reports corresponding to the multiple branch institutions, where the overdue credit card user reports are used for displaying overdue information of multiple dimensions of overdue credit card users;

and the output module 103 is used for sending the credit card overdue user reports corresponding to the plurality of branches to the corresponding branches.

Illustratively, the full amount of the user details data includes, but is not limited to, customer information, credit line, overdue amount, and number of overdue days of the users (i.e., credit card overdue users) who are urged to receive from a plurality of branches. The total amount of the user detail urging data can be issued by a bank head office. The obtaining module 101 may be configured to obtain or receive full amount of detail data of the user to be urged to be received, where the data is sent by a bank head office.

The analysis module 102 may be specifically configured to process the full amount of detail data of the user to be collected based on a pre-trained data analysis model, so as to obtain overdue credit card user reports corresponding to multiple branches. Wherein, the branch may be a bank branch. That is, the analysis module 102 may obtain overdue credit card user reports corresponding to each bank branch. The overdue user report of the credit card can comprise overdue information of multiple dimensions of the overdue user of the credit card, so that each branch organization can know the overdue condition of the overdue user of the credit card in time and clearly according to the overdue user report of the credit card.

After obtaining the credit card overdue user reports corresponding to the multiple branch offices, the output module 103 may send the credit card overdue user reports corresponding to the multiple branch offices to the corresponding branch offices for the branch offices to view.

The credit card overdue user monitoring system of the embodiment of the application processes the detailed data of the total amount of users to be charged based on the pre-trained data analysis model to obtain credit card overdue user reports corresponding to a plurality of branch institutions, so that overdue information of multiple dimensions of credit card overdue users corresponding to the branch institutions is displayed to the branch institutions, the overdue conditions of the credit card overdue users can be conveniently and clearly obtained by the branch institutions in time, early warning and monitoring of newly exposed bad customers and potential bad customers of a credit card are facilitated, further, the credit card overdue users are prevented from moving through remedial measures, bad assets are compressed, and the stable development of credit card business is guaranteed.

According to some embodiments of the present application, optionally, the full amount of the user detail data may be detail data of the overdue user from the time of opening to the time of entering less than 270 days of overdue, that is, detail data of the overdue user with short term overdue. In some specific examples, the full amount of urged user detail data may specifically be detail data of an overdue user with an overdue time of 90-120 days. The detailed data of the overdue users with the overdue time of 90-120 days are processed and analyzed to obtain credit card overdue user reports, early warning and monitoring of the overdue users with the overdue time of 90-120 days are facilitated, the overdue users with the overdue time of 90-120 days are further facilitated to be prevented from moving by remedial measures, bad assets are further compressed, and stable development of credit card business is guaranteed.

The operation of the data analysis model or analysis module 102 is described below.

Fig. 2 is a schematic flow chart of an analysis module in the system for monitoring overdue credit card users according to the embodiment of the present disclosure. With reference to fig. 1 and fig. 2, according to some embodiments of the present application, optionally, the analysis module 102 is specifically configured to perform the following steps S201 to S204.

S201, classifying the total amount of user detail collection urging data to obtain user detail collection urging data corresponding to each branch institution.

It will be readily appreciated that the full amount of expedited user profile data may include expedited user profile data corresponding to a plurality of affiliates. Therefore, in S201, the total amount of the urged user specification data may be classified according to the name or code of each branch office, and the urged user specification data corresponding to each branch office may be obtained. For example, in some examples, the user profile data may be obtained for branch office a, the user profile data may be obtained for branch office B, and the user profile data may be obtained for branch office C.

S202, aiming at the detail data of the users to be collected corresponding to any ith branch office, the detail data of the users to be collected corresponding to the ith branch office is divided into a plurality of first fields of data. Wherein i is a positive integer.

It is easy to understand that the urging user specification data corresponding to each branch office includes a plurality of fields, and for convenience of distinction, a field in the urging user specification data is referred to as a first field. In S202, the user profile data for each branch office may be divided into a plurality of pieces of first field data for the user profile data for each branch office. For example, in some examples, for an ith branch, the incoming user detail data corresponding to the ith branch is split into data for a first field a, data for a first field b, and data for a first field c.

S203, processing the data of the first field based on the preset corresponding relation between the first field and the second field to obtain the data of the second field.

And the second field is a field in the overdue credit card user report. The correspondence between the first field and the second field may be set in advance. For example, the corresponding relationship may include calculating the second field a according to the first field a, or calculating the second field a according to the first field a and the first field b, or calculating the second field a according to the first field a, the first field b, and the first field c, which is not limited in this embodiment of the present application.

And performing mathematical operation on the data of the first field according to the preset corresponding relation between the first field and the second field, so as to obtain the data of the second field in the overdue credit card user report.

And S204, summarizing the data of the second field to obtain a overdue credit card user report corresponding to the ith branch organization.

In S204, data of a plurality of second fields in the credit card overdue user report corresponding to the ith branch office is summarized, so as to obtain the credit card overdue user report corresponding to the ith branch office.

In some specific embodiments, the data analysis model may optionally be implemented based on sql statements. Fig. 3 is another schematic flow chart of an analysis module in the overdue credit card user monitoring system according to the embodiment of the present application. As shown in fig. 1 and fig. 3, according to some embodiments of the present application, optionally, the analysis module 102 is specifically configured to perform the following steps S301 to S303.

S301, reading the detail data of the user to be collected corresponding to the ith branch mechanism based on the sql statement, and splitting the detail data of the user to be collected corresponding to the ith branch mechanism into data of a plurality of first fields.

In particular, the sql statement may include a plurality of sub-statements, such as a FROM sub-statement and a VALUES sub-statement. The pushed-for-user detail data corresponding to the ith branch can be read based on the FROM sub-statement, and the data of the plurality of first fields can be analyzed FROM the pushed-for-user detail data corresponding to the ith branch based on the VALUES sub-statement.

S302, processing the data of the first field based on the corresponding relation tree between the first field and the second field constructed by the sql statement to obtain the data of the second field.

Specifically, a correspondence tree between a first field and a second field may be constructed based on the sql statement, and there may be multiple sets of correspondences in the correspondence tree, that is, correspondences between different first fields and different second fields.

In S302, the data of different first fields may be processed respectively based on multiple sets of correspondences in the correspondence tree between the first fields and the second fields, so as to obtain multiple different data of the second fields.

And S303, summarizing the data of the second field to obtain a credit card overdue user report corresponding to the ith branch office.

In S303, data of a plurality of second fields in the credit card overdue user report corresponding to the ith branch office is summarized, so as to obtain the credit card overdue user report corresponding to the ith branch office.

According to some embodiments of the application, optionally, the full amount of the urged user details data comprises the number of overdue days of the overdue user of the credit card, and the overdue information comprises the number of bad days of the overdue user of the credit card. For example, in some embodiments, credit card loans are classified into five categories, normal, concern, secondary, suspicious, loss, respectively. If the class is degraded from the secondary class to the suspect class, i.e., the grade is degraded, it belongs to the migration down (i.e., downward migration). If the class is upgraded to a secondary class from the lossy class, i.e., the level is upgraded, it belongs to the upward migration (i.e., upward migration).

The analysis module 102 or the data analysis model may be specifically configured to calculate a difference between the number of overdue days of the overdue user of the credit card and a first preset threshold, so as to obtain the number of days with bad migration. The first preset threshold may be flexibly adjusted according to actual conditions, which is not limited in the embodiments of the present application.

For example, in some examples, the first preset threshold may be 90 days, i.e., a number of days out of date that reaches 90 days is undesirable. The number of bad days to next migration may be a difference calculated from the number of overdue days of the overdue user of the credit card to 90 days overdue.

Therefore, by displaying the bad days of the overdue credit card user, the user can conveniently and clearly know how long the overdue credit card user has been moved in time, so that the overdue credit card user is further prevented from moving by means of remedial measures such as return visit after credit, negotiation repayment and the like, bad assets are further compressed, and the stable development of credit card business is guaranteed.

According to some embodiments of the present application, the overdue information may optionally include the urgency of the overdue user of the credit card. Wherein, the emergency degree can be further calculated according to days with bad migration.

The analysis module 102 may be specifically configured to set the urgency level as a first-level warning when the number of days since the next migration is within a first preset range; when the days of bad migration are within a second preset range, setting the urgency degree as a second-level warning; when the number of days to bad migration is within a third preset range, the urgency is set to a third level warning.

The specific ranges of the first preset range, the second preset range and the third preset range may be flexibly set according to actual situations, and the specific ranges are not limited in the embodiment of the present application. For example, the first predetermined range may be 0 to 5 days, the second predetermined range may be 6 to 10 days, and the third predetermined range may be 11 to 20 days.

The urgency may be set to a first level warning when the number of days to migrate is within a first preset range. The urgency may be set to a second level of warning when the number of days to migrate poorly is within a second preset range. The urgency may be set to a third level of warning when the number of days to migrate poorly is within a third preset range. The first level warning, the second level warning, and the third level warning may be different.

Therefore, by displaying the emergency degrees of different levels, the users who are in charge of credit card overdue can be reminded in time of how long the users will move, and the users who are in charge of credit card overdue can be further prevented from moving through remedial measures such as return visit after loan, payment negotiation and the like.

According to some embodiments of the application, optionally, the font color and/or the background color of the first level warning, the second level warning and the third level warning may be different.

For example, the font color of a first level warning may be red, the font color of a second level warning may be orange, and the font color of a third level warning may be blue. Alternatively, the background color of the first level warning may be red, the background color of the second level warning may be orange, and the background color of the third level warning may be blue.

Therefore, the emergency degrees of different levels are shown in different colors, so that the users can visually and clearly know how long the credit card overdue users have been moved, and the credit card overdue users can be further prevented from being moved through remedial measures such as return visit after credit, payment negotiation and the like.

Table 1 schematically shows a credit card overdue user report.

TABLE 1

As shown in table 1, the credit card overdue user report shows information of credit card overdue users for a variety of different products (e.g., recurring credit, general installment, and special installment). The credit card overdue user report may specifically include information such as identity information of the credit card overdue user, loan balance, product type, number of overdue days, organization code, name of an account opening organization, name of a secondary branch, number of bad days of leaving, urgency, exit type, and exit time. If the overdue credit card user disappears from the overdue credit card user report, the exit type is marked as exit, and the exit time is recorded.

Based on the overdue user monitoring 100 for the credit card provided by the embodiment, correspondingly, the embodiment of the application further provides a method for monitoring the overdue user for the credit card. The credit card overdue user monitoring method may be applied to the credit card overdue user monitoring 100 provided in the above embodiment. Please see the examples below.

Fig. 4 is a flowchart illustrating a method for monitoring overdue credit card users according to an embodiment of the present disclosure. As shown in fig. 4, the credit card overdue user monitoring method may include the following steps S401 to S403.

S401, acquiring the full amount of user detail data.

S402, processing the detailed data of the total collection user based on a pre-trained data analysis model to obtain overdue credit card user reports corresponding to a plurality of branches. The credit card overdue user report is used for displaying overdue information of multiple dimensions of the credit card overdue user.

And S403, sending the overdue credit card user reports corresponding to the plurality of branches to the corresponding branches.

The specific processes of steps S401 to S403 are described in detail above, and are not described herein again.

According to the credit card overdue user monitoring method, the detailed data of the total amount of users to be charged are processed based on the pre-trained data analysis model, credit card overdue user reports corresponding to a plurality of branch institutions are obtained, overdue information of multiple dimensions of the credit card overdue users corresponding to the branch institutions is displayed to the branch institutions, the overdue conditions of the credit card overdue users can be timely and clearly obtained by the branch institutions, early warning and monitoring of newly exposed bad customers and potential bad customers of the credit card are facilitated, further the credit card overdue users are prevented from moving through remedial measures, bad assets are compressed, and the stable development of the credit card business is guaranteed.

With reference to fig. 2 and 4, according to some embodiments of the present application, optionally, S402, processing the detail data of the total amount hastening user based on a pre-trained data analysis model to obtain a credit card overdue user report corresponding to each of a plurality of branches may specifically include the following steps S201 to S204.

S201, classifying the total amount of user detail collection urging data to obtain user detail collection urging data corresponding to each branch institution;

s202, aiming at the detail data of the users which are urged to be collected and correspond to any ith branch mechanism, splitting the detail data of the users which are urged to be collected and correspond to the ith branch mechanism into data of a plurality of first fields, wherein i is a positive integer;

s203, processing the data of the first field based on the preset corresponding relation between the first field and the second field to obtain the data of the second field; the second field is a field in the overdue user report of the credit card;

and S204, summarizing the data of the second field to obtain a credit card overdue user report corresponding to the ith branch office.

The specific processes of steps S201 to S204 are described in detail above, and are not described herein again.

With reference to fig. 3 and 4, according to some embodiments of the present application, optionally, S402, processing the detail data of the total amount of the user to be urged to receive based on a pre-trained data analysis model to obtain a credit card overdue user report corresponding to each of the multiple branches, which may specifically include the following steps S301 to S303.

S301, reading the detail data of the user to be collected corresponding to the ith branch mechanism based on the sql statement, and splitting the detail data of the user to be collected corresponding to the ith branch mechanism into data of a plurality of first fields;

s302, processing the data of the first field based on a corresponding relation tree between the first field and the second field constructed based on the sql statement to obtain the data of the second field;

and S303, summarizing the data of the second field to obtain a overdue credit card user report corresponding to the ith branch organization.

The specific processes of steps S301 to S303 are described in detail above, and are not described herein again.

Based on the overdue user monitoring method of the credit card provided by the embodiment, correspondingly, the application further provides a specific implementation mode of the electronic device. Please see the examples below.

The electronic device may comprise a processor 501 and a memory 502 in which computer program instructions are stored.

Specifically, the processor 501 may include a Central Processing Unit (CPU), an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits configured to implement the embodiments of the present Application.

Memory 502 may include mass storage for data or instructions. By way of example, and not limitation, memory 502 may include a Hard Disk Drive (HDD), a floppy Disk Drive, flash memory, an optical Disk, a magneto-optical Disk, tape, or a Universal Serial Bus (USB) Drive or a combination of two or more of these. In one example, memory 502 can include removable or non-removable (or fixed) media, or memory 502 is non-volatile solid-state memory. The memory 502 may be internal or external to the electronic device.

In one example, memory 502 may be a Read Only Memory (ROM). In one example, the ROM can be mask-programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically Erasable PROM (EEPROM), electrically Alterable ROM (EAROM), or flash memory, or a combination of two or more of these.

The memory 502 may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform operations described with reference to the methods according to an aspect of the application.

The processor 501 reads and executes the computer program instructions stored in the memory 502 to implement the method/steps in the above method embodiments, and achieve the corresponding technical effects achieved by the method/steps executed by the method embodiments, which are not described herein again for brevity.

In one example, the electronic device may also include a communication interface 503 and a bus 510. As shown in fig. 5, the processor 501, the memory 502, and the communication interface 503 are connected to each other through a bus 510 to complete communication therebetween.

The communication interface 503 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present application.

Bus 510 includes hardware, software, or both coupling the components of the electronic device to each other. By way of example, and not limitation, a Bus may include an Accelerated Graphics Port (AGP) or other Graphics Bus, an Enhanced Industry Standard Architecture (EISA) Bus, a Front-Side Bus (Front Side Bus, FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a Micro Channel Architecture (MCA) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus or a combination of two or more of these. Bus 510 may include one or more buses, where appropriate. Although specific buses are described and shown in the embodiments of the application, any suitable buses or interconnects are contemplated by the application.

In addition, in combination with the overdue user monitoring method of the credit card in the foregoing embodiment, the embodiment of the present application may provide a computer-readable storage medium for implementation. The computer readable storage medium having stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the above embodiments of a credit card overdue user monitoring method. Examples of the computer-readable storage medium include non-transitory computer-readable storage media such as electronic circuits, semiconductor memory devices, ROMs, random access memories, flash memories, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, and hard disks.

It is to be understood that the present application is not limited to the particular arrangements and instrumentality described above and shown in the attached drawings. A detailed description of known methods is omitted herein for the sake of brevity. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions or change the order between the steps after comprehending the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic Circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include an electronic circuit, a semiconductor memory device, a ROM, a flash memory, an Erasable ROM (EROM), a floppy disk, a CD-ROM, an optical disk, a hard disk, an optical fiber medium, a Radio Frequency (RF) link, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed at the same time.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware for performing the specified functions or acts, or combinations of special purpose hardware and computer instructions.

As described above, only the specific embodiments of the present application are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, and these modifications or substitutions should be covered within the scope of the present application.

Claims

1. A credit card overdue user monitoring system, comprising:

the acquisition module is used for acquiring the full amount of detail data of the users;

the analysis module is used for processing the full amount of detail data of the users who urge to receive based on a pre-trained data analysis model to obtain credit card overdue user reports corresponding to a plurality of branch institutions respectively, and the credit card overdue user reports are used for displaying overdue information of a plurality of dimensions of credit card overdue users;

and the output module is used for sending the credit card overdue user reports corresponding to the plurality of branch institutions to the corresponding branch institutions.

2. The system of claim 1, wherein the analysis module is configured to perform the following steps:

classifying the total amount of the user detail data to obtain the user detail data corresponding to each branch institution;

aiming at the detail data of the users which are urged to be received and correspond to any ith branch mechanism, splitting the detail data of the users which are urged to be received and correspond to the ith branch mechanism into data of a plurality of first fields, wherein i is a positive integer;

processing the data of the first field based on a preset corresponding relation between the first field and the second field to obtain the data of the second field; the second field is a field in the overdue credit card user report;

and summarizing the data of the second field to obtain a credit card overdue user report corresponding to the ith branch office.

3. The system of claim 2, wherein the analysis module is specifically configured to perform the following steps:

reading the detail data of the user to be collected corresponding to the ith branch mechanism based on the sql statement, and splitting the detail data of the user to be collected corresponding to the ith branch mechanism into data of a plurality of first fields;

processing data of a first field based on a corresponding relation tree between the first field and a second field constructed based on an sql statement to obtain data of the second field;

4. The system of claim 1, wherein the full amount of user profile data includes the number of overdue days of the overdue user, and the overdue information includes the number of bad days of downshifting of the overdue user;

the analysis module is specifically used for calculating a difference value between the number of days after expiration and a first preset threshold value to obtain the number of days with bad migration below the distance.

5. The system of claim 4, wherein the overdue information includes the urgency of the overdue user;

the analysis module is specifically used for setting the urgency degree as a first-level warning when the days of bad migration are within a first preset range; setting the urgency level to a second level alert when the number of days of bad migration is within a second preset range; setting the urgency level as a third level warning when the number of days of bad migration is within a third preset range.

6. The credit card overdue user monitoring system of claim 5, wherein the first level alert, the second level alert, and the third level alert differ in font color and/or background color.

7. A credit card overdue user monitoring method applied to the credit card overdue user monitoring system according to any one of claims 1 to 6, the credit card overdue user monitoring method comprising:

acquiring full amount of detail data of a user;

processing the full amount of detail data of the credit card urging user based on a pre-trained data analysis model to obtain credit card overdue user reports corresponding to a plurality of branch institutions, wherein the credit card overdue user reports are used for displaying overdue information of a plurality of dimensions of the credit card overdue user;

and sending the overdue credit card user reports corresponding to the plurality of branches to the corresponding branches.

8. The method for monitoring overdue credit card users according to claim 7, wherein the step of processing the full amount of user detail collection data based on a pre-trained data analysis model to obtain overdue credit card user reports corresponding to a plurality of branches comprises:

aiming at the detail data of the users to be collected corresponding to any ith branch mechanism, splitting the detail data of the users to be collected corresponding to the ith branch mechanism into a plurality of first fields of data, wherein i is a positive integer;

processing data of a first field based on a preset corresponding relation between the first field and a second field to obtain data of the second field; the second field is a field in the overdue credit card user report;

9. An electronic device, characterized in that the electronic device comprises: a processor, a memory and a computer program stored on and executable on the processor, the computer program when executed by the processor implementing the steps of the credit card overdue user monitoring method as claimed in claim 7 or 8.

10. A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of the credit card overdue user monitoring method according to claim 7 or 8.