CN117275198A - Repayment reminding method and related device - Google Patents
Repayment reminding method and related device Download PDFInfo
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- CN117275198A CN117275198A CN202311220330.7A CN202311220330A CN117275198A CN 117275198 A CN117275198 A CN 117275198A CN 202311220330 A CN202311220330 A CN 202311220330A CN 117275198 A CN117275198 A CN 117275198A
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Abstract
The application discloses a repayment reminding method and a related device, which can be applied to the financial field or other fields, wherein the method comprises the following steps: acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of an account to be repayment; determining a common repayment date of the account to be repayment according to the historical information; inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment; determining a payment reminding date of the account to be paid based on the common payment date, the preset payment date and the payment overdue probability; sending a repayment reminding to the account to be repayment according to a preset reminding mode on a repayment reminding date; the preset reminding mode is determined according to the payment overdue probability. The utility model provides a repayment reminding efficiency can be improved.
Description
Technical Field
The application relates to the field of data processing, in particular to a repayment reminding method and a related device.
Background
When a user uses businesses such as loans and credit cards of banks, the user needs to pay according to preset payment dates, and in order to prompt the user to pay on time, the user needs to remind an account needing to be paid when the payment dates are about to be reached.
In the related art, a bank usually reminds a user to pay in time by means of a short message reminding mode before the user pays day. However, the reminding mode is the same for all users, the reminding effect for different users is poor, and the repayment reminding efficiency is low.
Disclosure of Invention
The embodiment of the application provides a repayment reminding method and a related device, which can improve repayment reminding efficiency for different users.
In view of this, a first aspect of the present application provides a payment reminding method, the method including:
acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of the account to be repayment;
determining a common repayment date of the account to be repayment according to the historical information;
inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment;
determining a payment reminding date of the account to be paid based on the common payment date, a preset payment date and the payment overdue probability;
sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability.
Optionally, the preset reminding mode is determined by the following modes:
when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
Optionally, the determining the payment reminding date of the account to be paid based on the common payment date, the preset payment date and the payment overdue probability includes:
calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
determining the on-time payment probability of the account to be paid according to the payment overdue probability;
determining a buffering time based on the difference and the on-time payment probability;
and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
Optionally, the determining the common payment date of the account to be paid according to the history information includes:
according to the historical repayment information of the account to be repayment, a plurality of historical repayment dates of the account to be repayment are obtained, and the historical repayment date with the highest use frequency in the account to be repayment is set as the common repayment date of the account to be repayment.
Optionally, the payment overdue probability prediction model is trained by:
collecting historical information of each account, and labeling corresponding repayment overdue probability values for the historical information of each account according to the historical repayment information and the credit information in the historical information to obtain a training set;
and training a machine learning model established through a random forest algorithm based on the training set to obtain the repayment overdue probability prediction model.
A second aspect of the present application provides a payment reminder, the device comprising:
an information acquisition unit configured to: acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of the account to be repayment;
a first determining unit configured to: determining a common repayment date of the account to be repayment according to the historical information;
a probability prediction unit, configured to: inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment;
a second determination unit configured to: determining a payment reminding date of the account to be paid based on the common payment date, a preset payment date and the payment overdue probability;
the repayment reminding unit is used for: sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability.
Optionally, the repayment reminding unit is specifically configured to:
when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
Optionally, the second determining unit is specifically configured to:
calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
determining the on-time payment probability of the account to be paid according to the payment overdue probability;
determining a buffering time based on the difference and the on-time payment probability;
and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
A third aspect of the present application provides a payment reminder device, comprising: a memory and a processor;
the memory is used for storing instructions;
the processor is configured to execute the instructions in the memory and perform the method described above.
A fourth aspect of the present application provides a computer readable storage medium storing program code or instructions which, when run on a computer, cause the computer to perform the method described above.
From the above technical scheme, the application has the following advantages:
the embodiment of the application provides a repayment reminding method, which comprises the steps of obtaining historical information of an account to be repayment, wherein the historical information comprises historical repayment information and credit information of the account to be repayment, determining a common repayment date of the account to be repayment according to the historical information, and simultaneously inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probability corresponding to the account to be repayment. Determining a repayment reminding date corresponding to the account to be repayment according to a common repayment date, a preset repayment date and a repayment overdue probability, and sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability. Therefore, according to the repayment reminding method, the repayment overdue probability of the user to be repayed can be determined based on the historical information of the account to be repayed, the repayment reminding date and the repayment reminding mode corresponding to the account to be repayed are determined according to the repayment overdue probability, and the repayment reminding pertinence is enhanced and the repayment reminding efficiency is improved for different accounts to be repayment.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a method flowchart of a payment reminding method provided in an embodiment of the present application;
fig. 2 is a schematic structural diagram of a payment reminding device according to an embodiment of the present application.
Detailed Description
Embodiments of the present application will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present application are shown in the drawings, it is to be understood that the present application may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided to provide a more thorough and complete understanding of the present application. It should be understood that the drawings and examples of the present application are for illustrative purposes only and are not intended to limit the scope of the present application.
In banking industry, when a user uses a loan of a bank, a credit card and other businesses, the user needs to pay according to a preset payment date, and in order to prompt the user to pay on time, the user needs to remind the account needing to be paid when the payment date is about to be reached.
In the related art, a bank usually reminds a user to pay in time by means of a short message reminding mode before the user pays day. However, the reminding mode is the same for all users, the reminding effect for different users is poor, and the repayment reminding efficiency is low.
Therefore, there is a need for a payment reminding method capable of improving the payment reminding efficiency.
Therefore, the embodiment of the application provides a payment reminding method, by acquiring the history information of an account to be paid, wherein the history information comprises the history payment information and credit information of the account to be paid, determining the common payment date of the account to be paid according to the history information, and simultaneously inputting the history information into a payment overdue probability prediction model to obtain the payment overdue probability corresponding to the account to be paid. Determining a repayment reminding date corresponding to the account to be repayment according to a common repayment date, a preset repayment date and a repayment overdue probability, and sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability. Therefore, according to the repayment reminding method, the repayment overdue probability of the user to be repayed can be determined based on the historical information of the account to be repayed, the repayment reminding date and the repayment reminding mode corresponding to the account to be repayed are determined according to the repayment overdue probability, and the repayment reminding pertinence is enhanced and the repayment reminding efficiency is improved for different accounts to be repayment.
It should be noted that the repayment reminding method and the related device provided by the application can be used in the financial field or other fields, for example, can be used in repayment reminding scenes in the financial field. Other fields are any field other than the financial field, for example, the data processing field. The foregoing is merely exemplary, and the application fields of the payment reminding method and the related devices provided by the present invention are not limited.
For a better understanding of the technical solutions and technical effects of the present application, specific embodiments will be described in detail below with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a flowchart of a method for reminding a repayment according to an embodiment of the present application, where the method specifically includes the following steps:
step 101: and acquiring historical information of the account to be paid.
In a banking system, each account and the corresponding state of each business are scanned, and when the accounts of the businesses such as loans, credit cards and the like enter a repayment period, the accounts are set as accounts to be repayment. It should be noted that, in the embodiment of the present application, the payment period may be determined according to a preset payment date corresponding to each account, where the preset payment date is a payment date agreed with a bank when each account handles a service such as a loan, a credit card, etc., for example, 10 number of each month is set as the preset payment date, and based on the preset payment date, when a time from the preset payment date is less than or equal to a time corresponding to the payment period, the account is determined to enter the payment period. For example, when the payment period is 10 days and the preset payment date corresponding to the account is 10 number monthly, then the account enters the payment period from 1 number monthly, the account is set as the account to be paid, and the payment period ends until the account successfully completes the payment task in the payment period.
And for the account to be paid which enters the payment period, acquiring the history information corresponding to the account to be paid from a database, wherein the history information comprises the history payment information and credit information of the account to be paid. The historical repayment information records information such as a bill date, a historical repayment date, a bill amount and the like of the to-be-repayment account in a past repayment period, and the credit information records information such as credit rating, credit assessment information, user risk capability rating and the like of a user corresponding to the to-be-repayment account.
Step 102: and determining the common repayment date of the account to be repayment according to the historical information.
Because the historical repayment date of the account to be repayment is recorded in the historical repayment information of the historical information, the common repayment date corresponding to the account to be repayment can be determined based on each historical repayment date of the account to be repayment in each previous repayment period.
In one possible implementation, step 102 may be specifically implemented as follows:
according to the historical repayment information of the account to be repayment, a plurality of historical repayment dates of the account to be repayment are obtained, and the historical repayment date with the highest use frequency in the account to be repayment is set as the common repayment date of the account to be repayment.
And extracting the actual repayment date of the account to be repayment in each repayment period, namely each historical repayment date, from the historical repayment information of the account to be repayment, carrying out statistical analysis on each historical repayment date, and calculating repayment times corresponding to each historical repayment date. And determining one historical repayment date with the highest repayment frequency from the plurality of historical repayment dates, namely setting the historical repayment date with the highest use frequency as a common repayment date corresponding to the account to be repayment.
Through statistics of the use frequency of each historical repayment date, the historical repayment date with the highest use frequency is determined to be the common repayment date, and user repayment experience is improved.
Step 103: and inputting the historical information into a payment overdue probability prediction model to obtain the payment overdue probability corresponding to the account to be paid.
The historical information of the account to be paid is input into a payment overdue probability prediction model trained in advance, the historical information is analyzed through the payment overdue probability prediction model, the payment information of the account to be paid in the payment period is predicted based on the historical payment information and the credit information corresponding to the account to be paid, and the payment overdue probability of the account to be paid is output through the payment overdue probability prediction model.
In one possible implementation, the payoff overdue probability prediction model is trained by:
step 11: collecting historical information of each account, and labeling corresponding repayment overdue probability values for the historical information of each account according to the historical repayment information and the credit information in the historical information to obtain a training set;
step 12: and training a machine learning model established through a random forest algorithm based on the training set to obtain the repayment overdue probability prediction model.
Historical repayment information and credit information in the historical information of each account are acquired by collecting the historical information of each account in a database, corresponding repayment overdue probability values are marked for each account according to the historical repayment information and the credit information, a training set for training a repayment overdue probability prediction model is generated, a machine learning model established through a random forest algorithm is trained by using the training set, and then the repayment overdue probability prediction model for predicting the repayment overdue probability of the account is obtained. After the historical information of the account to be paid is input into the model, the payment overdue probability corresponding to the account to be paid can be obtained, the prediction efficiency of the account payment overdue probability is improved, and further the efficiency of reminding the user of paying based on the payment overdue probability is improved.
Step 104: and determining the payment reminding date of the account to be paid based on the common payment date, the preset payment date and the payment overdue probability.
After the common repayment date and repayment overdue probability of the account to be repayment are determined, the repayment reminding date of the account to be repayment in the current repayment period can be comprehensively determined by combining the preset repayment date of the account to be repayment. The preset repayment date is the repayment date agreed with the bank when the account to be repayment handles the corresponding business, and the repayment reminding date is the date that the bank reminds the account to be repayment before the preset repayment date. The repayment reminding date is determined according to the repayment overdue probability and is inversely related to the repayment overdue probability, that is, the larger the repayment overdue probability is, the longer the corresponding repayment reminding date is from the time of the preset repayment date; the smaller the payment overdue probability, the shorter the corresponding payment reminding date is from the preset payment date.
In one possible implementation, the step 104 may be specifically implemented as follows:
step 21: calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
step 22: determining the on-time payment probability of the account to be paid according to the payment overdue probability;
step 23: determining a buffering time based on the difference and the on-time payment probability;
step 24: and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
According to the method described in steps 21 to 24, the remittance reminding date=usual remittance date+ (1-remittance overdue probability) × (preset remittance date-usual remittance date). For example, when the common payment date is 10 days per month, the preset payment date is 20 days per month, and the overdue probability is 80%, the payment reminding date is calculated to be 12 days per month, that is, in the payment period corresponding to the payment reminding at this time, the payment reminding is performed on the payment account from 12 days. When the corresponding repayment reminding date is not an integer, the repayment reminding date can be rounded.
In addition, when the common repayment date and the preset repayment date are the same day, the difference between the preset repayment date and the common repayment date can be converted according to 24 hours, and at the moment, the repayment reminding date is a specific time point in one day. Meanwhile, in order to improve the repayment experience of the user, the time point corresponding to the repayment reminding date can be further confirmed, and the influence on the daily life of the user corresponding to the account to be repayed in the rest time is avoided.
According to the preset repayment date, the common repayment date and the repayment overdue probability, the repayment reminding date of each account to be repayed is comprehensively determined, the flexibility of the repayment reminding date determination is improved, and the repayment experience of the user and the reminding efficiency for different users are improved.
Step 105: and sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date.
The preset reminding mode is determined according to the repayment overdue probability, and when the repayment overdue probability corresponding to the account to be repayment is larger, the strength of repayment reminding is higher.
In one possible implementation manner, the preset reminding manner is determined by the following manner:
step 31: when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
step 32: when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
step 33: and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
Different reminding modes are adopted for the accounts to be paid with different overdue repayment probabilities. When the overdue probability of the repayment of the account to be repayment is not more than 40%, the account to be repayment can be considered to be repayment on time, so that only a reminding mode with the lowest intensity is needed to be adopted for the account to be repayment, and one or more short messages are sent to the account to be repayment until the account to be repayment completes the repayment task in a period. When the overdue probability of the payment of the account to be paid is greater than 40% and less than or equal to 80%, the account to be paid is considered to have a certain overdue payment probability, so that the payment reminding is sent to the account to be paid by means of voice call reminding until the account to be paid is finished with the payment task in the period. When the payment overdue probability of the account to be paid is higher and is more than 80%, the account to be paid cannot be paid on time, so that the highest-intensity reminding mode is adopted, the user corresponding to the account to be paid is reminded of paying through a mode of combining a short message and a voice telephone, and meanwhile, a third contact corresponding to the account to be paid is reminded of paying through a mode of combining the short message and the voice telephone, and the third contact can be a guarantee person of the account to be paid when corresponding loan and credit card business are transacted.
Different repayment reminding modes are adopted for the accounts to be repayment according to different repayment overdue probabilities, so that the flexibility and the efficiency of repayment reminding are improved.
According to the payment reminding method, the historical information of the account to be paid is obtained, the historical information comprises the historical payment information and the credit information of the account to be paid, the common payment date of the account to be paid is determined according to the historical information, and meanwhile, the historical information is input into a payment overdue probability prediction model to obtain the payment overdue probability corresponding to the account to be paid. Determining a repayment reminding date corresponding to the account to be repayment according to a common repayment date, a preset repayment date and a repayment overdue probability, and sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability. Therefore, according to the repayment reminding method, the repayment overdue probability of the user to be repayed can be determined based on the historical information of the account to be repayed, the repayment reminding date and the repayment reminding mode corresponding to the account to be repayed are determined according to the repayment overdue probability, and the repayment reminding pertinence is enhanced and the repayment reminding efficiency is improved for different accounts to be repayment.
Although operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. In certain circumstances, multitasking and parallel processing may be advantageous.
Referring to fig. 2, fig. 2 is a payment reminding device provided in an embodiment of the present application, where the device includes:
an information acquisition unit 201 for: acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of the account to be repayment;
a first determining unit 202, configured to: determining a common repayment date of the account to be repayment according to the historical information;
probability prediction unit 203 for: inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment;
a second determining unit 204, configured to: determining a payment reminding date of the account to be paid based on the common payment date, a preset payment date and the payment overdue probability;
a repayment reminding unit 205, configured to: sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability.
Optionally, the repayment reminding unit 205 is specifically configured to:
when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
Optionally, the second determining unit 204 is specifically configured to:
calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
determining the on-time payment probability of the account to be paid according to the payment overdue probability;
determining a buffering time based on the difference and the on-time payment probability;
and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
Alternatively, the first determining unit 202 is specifically configured to:
according to the historical repayment information of the account to be repayment, a plurality of historical repayment dates of the account to be repayment are obtained, and the historical repayment date with the highest use frequency in the account to be repayment is set as the common repayment date of the account to be repayment.
Optionally, the apparatus further comprises a model training unit for:
collecting historical information of each account, and labeling corresponding repayment overdue probability values for the historical information of each account according to the historical repayment information and the credit information in the historical information to obtain a training set;
and training a machine learning model established through a random forest algorithm based on the training set to obtain the repayment overdue probability prediction model.
The embodiment of the application also provides a repayment reminding device, which comprises: a memory and a processor;
the memory is used for storing instructions;
the processor is configured to execute the instructions in the memory and perform the method described above.
Embodiments of the present application also provide a computer readable storage medium storing program code or instructions that, when run on a computer, cause the computer to perform the method described above.
The names of messages or information interacted between the various devices in the embodiments of the present application are for illustrative purposes only and are not intended to limit the scope of such messages or information.
It should be understood that the various steps recited in the method embodiments of the present application may be performed in a different order and/or performed in parallel. Furthermore, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the present application is not limited in this respect.
Computer program code for carrying out operations of the present application may be written in one or more programming languages, including, but not limited to, an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider).
It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein.
In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the methods described in the embodiments of the present application. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a magnetic disk, or an optical disk, or other various media in which a computer program can be stored.
The above embodiments are merely for illustrating the technical solution of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the corresponding technical solutions.
Claims (10)
1. A payment alert method, the method comprising:
acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of the account to be repayment;
determining a common repayment date of the account to be repayment according to the historical information;
inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment;
determining a payment reminding date of the account to be paid based on the common payment date, a preset payment date and the payment overdue probability;
sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability.
2. The method of claim 1, wherein the predetermined alert mode is determined by:
when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
3. The method of claim 1, wherein the determining the payment alert date for the account to be paid based on the common payment date, a preset payment date, and the payment overdue probability comprises:
calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
determining the on-time payment probability of the account to be paid according to the payment overdue probability;
determining a buffering time based on the difference and the on-time payment probability;
and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
4. The method of claim 1, wherein the determining a common payment date for the account to be paid based on the historical information comprises:
according to the historical repayment information of the account to be repayment, a plurality of historical repayment dates of the account to be repayment are obtained, and the historical repayment date with the highest use frequency in the account to be repayment is set as the common repayment date of the account to be repayment.
5. The method of claim 1, wherein the payback overdue probability prediction model is trained by:
collecting historical information of each account, and labeling corresponding repayment overdue probability values for the historical information of each account according to the historical repayment information and the credit information in the historical information to obtain a training set;
and training a machine learning model established through a random forest algorithm based on the training set to obtain the repayment overdue probability prediction model.
6. A payoff reminder device, the device comprising:
an information acquisition unit configured to: acquiring historical information of an account to be repayment; the historical information comprises historical repayment information and credit information of the account to be repayment;
a first determining unit configured to: determining a common repayment date of the account to be repayment according to the historical information;
a probability prediction unit, configured to: inputting the historical information into a repayment overdue probability prediction model to obtain repayment overdue probabilities corresponding to the accounts to be repayment;
a second determination unit configured to: determining a payment reminding date of the account to be paid based on the common payment date, a preset payment date and the payment overdue probability;
the repayment reminding unit is used for: sending a repayment reminding to the account to be repayment according to a preset reminding mode on the repayment reminding date; the preset reminding mode is determined according to the repayment overdue probability.
7. The apparatus of claim 6, wherein the payoff reminder unit is specifically configured to:
when the overdue probability of repayment is less than or equal to 40%, sending the repayment reminding to the account to be repayment in a one-time or multiple-time short message mode on the repayment reminding date;
when the overdue probability of repayment is greater than 40% and less than or equal to 80%, sending the repayment reminding to the account to be repayment in a voice phone mode on the repayment reminding date;
and when the overdue probability of repayment is greater than 80%, sending the repayment reminding to a user corresponding to the account to be repayment and a third contact person corresponding to the account to be repayment in a short message and voice phone mode on the repayment reminding date.
8. The apparatus according to claim 6, wherein the second determining unit is specifically configured to:
calculating the difference between the preset repayment date and the common repayment date according to the preset repayment date and the common repayment date;
determining the on-time payment probability of the account to be paid according to the payment overdue probability;
determining a buffering time based on the difference and the on-time payment probability;
and determining a repayment reminding date corresponding to the account to be repayment according to the buffer time and the common repayment date.
9. A payment reminder device, the device comprising: a memory and a processor;
the memory is used for storing instructions;
the processor being configured to execute the instructions in the memory and to perform the method of any of claims 1-5.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores program code or instructions, which when run on a computer, cause the computer to perform the method of any of the preceding claims 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311220330.7A CN117275198A (en) | 2023-09-20 | 2023-09-20 | Repayment reminding method and related device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202311220330.7A CN117275198A (en) | 2023-09-20 | 2023-09-20 | Repayment reminding method and related device |
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| Publication Number | Publication Date |
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| CN117275198A true CN117275198A (en) | 2023-12-22 |
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|---|---|---|---|
| CN202311220330.7A Pending CN117275198A (en) | 2023-09-20 | 2023-09-20 | Repayment reminding method and related device |
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| Country | Link |
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| CN (1) | CN117275198A (en) |
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- 2023-09-20 CN CN202311220330.7A patent/CN117275198A/en active Pending
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