TWM618250U - Intelligent dialing payment reminding system - Google Patents

Abstract

An intelligent outbound reminder payment system, including a host that stores customer information, contact information, and billing information of each customer of a financial institution, a voice service device, and an automatic dialing device. The automatic dialing device is provided by the receiving host It is necessary to remind a customer who pays a customer information and a contact method, and automatically make a call to a client communication device based on this, and after judging that the client communication device answers, connect the client communication device to the voice service device; After the voice service device confirms through dialogue that a recipient of the client communication device is the customer who needs to remind the payment, the voice service device provides a bill amount information through voice according to the bill information of the customer who needs to remind the payment And a payment deadline information to the client communication device.

Description

Intelligent outbound reminder payment system

This new model relates to a payment reminder mechanism, especially an intelligent outbound payment reminder system.

After financial institutions, such as banks or credit card companies, send payment bills to customers, some customers often forget to pay after receiving the bill because they are busy. Therefore, in the past, it was necessary to remind customers to pay through a call by a person, but the customer may not be free or answer the call smoothly, so that the person needs to spend more time repeatedly making the call until the customer answers the call. However, due to the limited number of people making calls, the number of calls that can be made in a day is also limited, and the use of manpower is really not economical.

Therefore, in order to save human resources and remind customers to pay efficiently, it is indeed necessary to build an automatic outbound payment reminder system with the help of a computer system.

Therefore, the purpose of the present invention is to provide an intelligent outbound reminder payment system that can solve at least one of the problems in the prior art and save and effectively use human resources.

Therefore, the new type of intelligent outbound reminder payment system can be applied to a financial institution, and includes a host, a voice service device, and an automatic dialing device; the host stores a customer of each customer of the financial institution Information, a contact method and a billing information; the voice service device is electrically coupled to the host to obtain the customer information and the billing information; the automatic dialing device is electrically coupled to the host and the voice service device to Receive the customer information and the contact method of a customer who needs to be reminded of payment provided by the host, and automatically dial a call to a client communication device according to the contact method, and the automatic call device determines that the client communication device answers Then, the client communication device is serially connected to the voice service device; wherein the voice service device obtains the customer information and the bill information of the customer who needs to be reminded to pay from the host according to the call, and communicates When confirming that a receiver of the client communication device is the customer who needs to remind the payment, the voice service device provides a bill amount information and a payment according to the bill information of the customer who needs to remind the payment. The payment period information is given to the client communication device.

In some implementation aspects of the present invention, when the automatic call dialing device determines that the client communication device cannot answer the call, it hangs up the call and reschedules the time for the next call.

In some implementation aspects of the present invention, the voice service device includes a voice dialogue module, a voice recognition module, and a natural language processing module, and the voice dialogue module receives a dialogue from the client communication device A voice, and provide the voice to the voice recognition module; the voice recognition module converts the voice into text, and provides the text to the natural language processing module for semantic analysis and understanding, to determine whether the listener is The customer who needs to pay is reminded himself, and a judgment result is provided to the voice dialogue module.

In some implementation aspects of the present invention, when the voice dialogue module confirms that the listener is not the customer who needs to be reminded of payment according to the judgment result, it informs the client that the communication device needs to be reminded of the customer who needs to make payment. I contacted and ended the call.

In some implementation aspects of the present invention, after the call is ended, the voice dialogue module will provide the host to set the time for the next call. When the set time is reached, the host will automatically notify the automatic dialing device Once again, make a call to the client communication device according to the contact method of the customer who needs to be reminded to pay.

In some implementation aspects of the present invention, after the voice dialogue module provides the bill amount information and the payment deadline information to the client communication device, it will further inquire whether the client communication device needs payment or not in a dialogue manner Related services, and the voice dialogue module provides a service demand voice from the client communication device to the voice recognition module, so that the service demand voice is converted into a service demand text and provided to the natural language processing The module performs semantic understanding, the natural language processing module provides an understanding result to the voice dialogue module, and the voice dialogue module determines based on the understanding result that a service request made by the client communication device can be achieved through instant messaging When it is satisfied, the voice dialogue module sends an instant communication message related to the service requirement to the client communication device.

In some implementation aspects of the present invention, when the voice dialogue module determines that a service request made by the client communication device requires manual service according to the understanding result, the client communication device is transferred to a customer service communication device .

The effect of the present invention is that the automatic dialing device automatically dials a call to the client communication device according to the customer information and the contact method of a customer who needs to be reminded of payment provided by the host, and communicates with the client When the device is connected to the voice service device, and the voice service device 2 confirms through dialogue that the recipient of the client communication device is indeed the customer who needs to remind the payment, the customer who needs to remind the payment is provided by voice The bill amount information and payment deadline information of the client communication device are sent to the client communication device, so that the receiver of the client communication device (that is, the customer who needs to be reminded to pay) can quickly complete the payment information provided by the instant communication message Contributions, and can save and effectively use human resources.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are represented by the same numbers.

Referring to Figure 1, it is an embodiment of the new smart outbound reminder payment system 100, which can be applied but not limited to a financial institution, such as a bank or a credit card company, and mainly includes a host 1, a voice service device 2 and an automatic telephone call device 3. The host 1 stores a customer information, a contact method, and a billing information for each customer of the financial institution. The customer information includes the customer’s name and birthday, etc., the contact The method is, for example, a mobile phone number or local telephone number of the customer, and the bill information includes a bill amount information and a payment deadline information.

The voice service device 2 is electrically coupled to the host 1 to obtain the customer information and the bill information; the automatic dialing device 3 is electrically coupled to the host 1 and the voice service device 2 to receive the information provided by the host 1 The customer information and the contact method of the customers who need to be reminded to pay, and the call is automatically made to the customers who need to be reminded to pay according to the contact methods of the customers who need to be reminded to pay; and for the convenience of explanation, In the following, the entire operation process of this embodiment will be described by taking a call to a customer who needs to be reminded to pay as an example.

It is worth mentioning that the host 1 can be a computer device located at the near end or a server located at the remote end and connected via a network. The voice service device 2 and the automatic dialing device 3 can be Separate computer devices can also be integrated into the same computer device. For example, the voice service device 2 is a voice service software program that can be loaded and executed by the central processing unit of the computer device, and the automatic dialing device 3 is An automatic dialing software program that can be loaded and executed by the central processing unit of the computer device, but not limited to this. Therefore, in this embodiment, the voice service device 2 includes a voice dialogue module 21, a voice recognition module 22 and a natural language processing module 23. The voice dialogue module 21 receives a voice or message sent by a listener through the client communication device 4 in a dialogue manner, and gives a corresponding response or asks further questions to guide the client communication device 4 The listener interacts or answers questions; the speech recognition module 22 can be implemented by using Automated Speech Recognition (ASR) technology; the natural language processing module 23 can perform semantic analysis, and it can apply natural language understanding technology (Natural Speech Recognition). Language Understanding, referred to as NLU) to achieve.

Thus, when the automatic calling device 3 automatically dials a call to a client communication device 4 according to the contact method of a customer who needs to be reminded of payment provided by the host 1, the client communication device 4 is the contact Mode designated communication device, such as a mobile phone or a local telephone. At this time, the automatic calling device 3 determines whether the client communication device 4 answers the call, and if so, the client communication device 4 is serially connected to the voice Service device 2; if not, that is, when the automatic calling device 3 judges that the client communication device 4 cannot answer the call (for example, the client communication device 4 does not answer/busy/hangs up after answering/voicemail... etc.) , The automatic telephone dialing device 3 hangs up the call and reschedules the time for the next call (for example, a few hours later or the same time the next day).

When the voice service device 2 and the client communication device 4 are connected in series, the voice dialogue module 21 of the voice service device 2 will obtain the payment reminder from the host 1 according to the call (that is, the contact method) The customer information and the bill information of the customer, and receive a voice from the client communication device 4 through a dialogue mode, and provide the voice to the voice recognition module 22; the voice recognition module 22 The voice is converted into text, and the text is provided to the natural language processing module 23 for semantic analysis and understanding to determine whether the recipient is the customer who needs to be reminded to pay, and a judgment result is provided to the voice dialogue module twenty one.

When the voice dialogue module 21 confirms according to the judgment result that the recipient of the client communication device 4 is the customer who needs to remind the payment, the voice dialogue module 21 reminds the customer who needs to pay the bill. Information, the bill amount information and the payment deadline information are provided to the client communication device 4 through voice, so that the customer who needs to be reminded of payment (ie the recipient) can be reminded in real time and know the bill information .

When the voice dialogue module 21 confirms according to the judgment result that the recipient is not the customer who needs to be reminded to pay, it uses voice (for example, a pre-recorded voice) to inform the client communication device 4 that the communication device 4 needs to be reminded to pay. The customer personally contacts and ends the call. It is worth mentioning that after finishing the call, the voice dialogue module 21 will synchronously provide the host 1 to set the time for the next call (for example, a few hours later or the same time every other day), etc.; when the set time arrives At this time, the host 1 will automatically notify the automatic telephone calling device 3 to contact the customer again according to the contact method of the customer who needs to be reminded of payment; thereby, the chance of contacting the customer who needs to be reminded of payment is increased.

In addition, the voice dialogue module 21 not only provides the bill amount information and the payment deadline information to the client communication device 4, but also inquires whether the recipient of the client communication device 4 needs to pay the payment in a dialogue manner. Related services, such as sending payment method, payment amount... etc. to the client communication device 4 through instant messaging; and the voice dialogue module 21 provides a service demand voice from the client communication device 4 to the client communication device 4 The voice recognition module 22 converts the service demand voice into a service demand text and then provides it to the natural language processing module 23 for semantic understanding. The natural language processing module 23 performs semantic analysis on the service demand text. , Provide an understanding result to the voice dialogue module 21.

When the voice dialogue module 21 determines based on the understanding result that a service requirement proposed by the client communication device 4 (for example, the voice content of the service requirement is "please provide payment method") can be met by instant messaging, the voice dialogue The module 21 sends an instant communication message (such as a short message or a LINE message) related to the service demand through a short message or instant messaging software (such as LINE) according to the contact method of the customer who needs to remind the payment (ie the recipient) ) To the client communication device 4, the content of the instant messaging message will include, but is not limited to, payment methods and payment amounts. Thereby, when the client communication device 4 receives the instant communication message, the user of the client communication device 4 (that is, the customer who needs to remind the payment) can use the payment information provided by the instant communication message to quickly Complete payment.

And when the voice dialogue module 21 determines that a service demand proposed by the client communication device 4 requires manual service based on the understanding result (for example, the demand content is more complicated and/or cannot be solved by sending a short message, etc.), the voice dialogue module The group 21 will transfer the call terminal 4 to a customer service terminal communication device 5 (for example, a mobile phone or an indoor phone for customer service personnel), so that a customer service personnel can communicate with the client through the customer service terminal communication device 5 The receiver of the device 4 directly conducts a dialogue to quickly solve the customer's problem or demand.

To sum up, in the above embodiment, the automatic calling device 3 automatically dials a call to the client communication device 4 according to the customer information and the contact method of a customer who needs to be reminded of payment provided by the host 1, and Connect the client communication device 4 to the voice service device 2, and the voice service device 2 confirms through dialogue that the recipient of the client communication device 4 is indeed the customer who needs to remind the payment by voice Provide the client communication device 4 with a bill amount information and a payment deadline information of the customer who needs to be reminded to pay, so that the user of the client communication device 4 (that is, the customer who needs to be reminded to pay) can be based on The payment information provided by the instant messaging message can quickly complete the payment, so that not only can customers avoid losing interest or liquidated damages due to late payment, financial institutions can also receive the customer’s payment amount within the time limit, and can Efficiently remind customers to pay, save and effectively use human resources, and indeed achieve the effect and purpose of the new model.

However, the above are only examples of the present model, and should not be used to limit the scope of implementation of the present model, all simple equivalent changes and modifications made in accordance with the patent scope of the present model application and the contents of the patent specification still belong to This new patent covers the scope.

100: Smart Outbound Reminder Payment System 1: host 2: Voice service device 21: Voice dialogue module 22: Voice recognition module 23: Natural language processing module 3: Automatic dialing device 4: Client communication device 5: Customer service terminal communication device

Other features and effects of the present invention will be clearly shown in the embodiments with reference to the drawings, in which: Fig. 1 is a block diagram of hardware devices included in an embodiment of the new smart outbound payment reminder payment system.

100: Smart Outbound Reminder Payment System

1: host

2: Voice service device

21: Voice dialogue module

22: Voice recognition module

23: Natural language processing module

3: Automatic dialing device

4: Client communication device

5: Customer service terminal communication device

Claims (7)

An intelligent outbound payment reminder payment system, which can be applied to a financial institution, and includes: A host computer, which stores a customer information, a contact method and a billing information of each customer of the financial institution; A voice service device electrically coupled to the host to obtain the customer information and the bill information; and An automatic dialing device, which is electrically coupled to the host and the voice service device, to receive the customer information and the contact method of a customer who needs to be reminded of payment provided by the host, and automatically dial a call according to the contact method To a client communication device, and after the automatic dialing device determines that the client communication device answers, the client communication device is serially connected to the voice service device; wherein The voice service device obtains the customer information and the bill information of the customer who needs to be reminded to pay from the host according to the call, and confirms through dialogue that a recipient of the client communication device is the one who needs to be reminded to pay In the case of the customer, the voice service device provides a bill amount information and a payment deadline information to the client communication device through voice based on the bill information of the customer who needs to be reminded to pay. According to the smart dialing reminder payment system of claim 1, wherein when the automatic call dialing device determines that the client communication device cannot answer the call, it hangs up the call and reschedules the time for the next call. The intelligent outbound reminder payment system according to claim 1, wherein the voice service device includes a voice dialogue module, a voice recognition module and a natural language processing module, and the voice dialogue module receives from A voice of the client communication device and provide the voice to the voice recognition module; the voice recognition module converts the voice into text, and provides the text to the natural language processing module for semantic analysis and understanding, It is judged whether the receiver is the customer who needs to be reminded to pay, and a judgment result is provided to the voice dialogue module. For example, in the smart outbound payment reminder payment system of claim 3, when the voice dialogue module confirms that the receiver is not the customer who needs to remind the payment according to the judgment result, it informs the client that the communication device needs to be Remind the customer who made the payment to contact and end the call. For the intelligent outbound reminder payment system described in claim 4, after the call is ended, the voice dialogue module will provide the host to set the time for the next call. When the set time is reached, the host will automatically Notifying the automatic telephone dialing device to make a call to the client communication device again according to the contact method of the customer who needs to be reminded to pay. The smart outbound reminder payment system as described in claim 3, wherein after the voice dialogue module provides the bill amount information and the payment deadline information to the client communication device, it will further inquire the client in a dialogue manner Whether the communication device requires payment related services, and the voice dialogue module provides a service request voice from the client communication device to the voice recognition module, so that the service request voice is converted into a service request text and Provided to the natural language processing module for semantic understanding, the natural language processing module provides an understanding result to the voice dialogue module, and the voice dialogue module determines a service proposed by the client communication device based on the understanding result When the demand can be met by instant messaging, the voice dialogue module sends an instant messaging message related to the service demand to the client communication device. For example, the intelligent outbound reminder payment system according to claim 6, wherein the voice dialogue module determines that a service request made by the client communication device requires manual service according to the understanding result, then the client communication device is transferred To a customer service terminal communication device.

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