Credit card collection and repayment method and apparatus

A technology for credit cards and related information, applied in the field of data processing, can solve the problems of high labor cost, low collection efficiency, and many manual interventions, and achieve the effect of saving labor costs and improving collection efficiency.

Inactive Publication Date: 2017-10-10
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In view of the above-mentioned defects of the prior art, the embodiment of the present invention provides a method and device for credit card collection and

Method used

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  • Credit card collection and repayment method and apparatus
  • Credit card collection and repayment method and apparatus
  • Credit card collection and repayment method and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0021] figure 1 It is a schematic flow chart of a method for credit card collection and repayment according to an embodiment of the present invention; refer to figure 1 , the method includes:

[0022] Step S1, according to the preset screening rules, screen out the collection customers from the database, and extract the credit card related information of the collection customers from the database;

[0023] Step S2, according to the credit card associated information and predefined policy execution rules, assign the collection queue to the collection customer;

[0024] Step S3, according to the allocation of the collection queue, select the collection channel of the collection customer, and perform collection execution processing on the collection customer through the selected collection channel;

[0025] Step S4, according to the feedback result of the collection execution processing, for the collection collection customers who fail to collect collection, transfer to other c...

Embodiment 2

[0028] figure 2 It is a schematic flowchart of a method for credit card collection and repayment according to another embodiment of the present invention; in another embodiment of the present invention, the method includes:

[0029] Step S01, according to the preset screening rules, screen out the collection customers from the database, and extract the credit card related information of the collection customers from the database; wherein, according to the preset screening rules, screen out the collection customers Including: screen out customers who are overdue on the bill date, customers who have not paid the minimum repayment amount from the last repayment date to the next bill date (M0 customers), and repayment reminders to customers with insufficient account balance (full amount / minimum bill amount) that are not overdue Clients and Risk Scouting Indicators are Yes clients.

[0030] Step S02, according to the credit card related information and predefined policy execution...

Embodiment 3

[0036] image 3 A structure diagram of a credit card collection and repayment device according to an embodiment of the present invention. see image 3 , the device includes:

[0037] The data screening module 100 is configured to screen out collection customers from the database according to preset screening rules, and extract credit card related information of the collection customers from the database; wherein, according to the preset screening rules, Screening out customers for collection includes: screening out customers who are overdue on the bill date, customers who have not paid the minimum repayment amount from the last repayment date to the next bill day (M0 customers), repayment reminding customers that the account balance is insufficient (full amount / minimum bill amount ) of non-overdue customers and customers whose risk detection indicator is Yes.

[0038]The policy execution module 200 is configured to assign the collection queue to the collection customer acco...

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PUM

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Abstract

The invention discloses a credit card collection and repayment method and apparatus. The method herein includes the following steps: based on preset screening rules, selecting a to-be-collected client from a database, extracting credit card-related information of the to-be-collected client from the database; based on the credit card-related information and the pre-defined strategy execution rules, allocating the to-be-collected client to a collection queue; based on the allocation to collection queue, selecting a collection channel of the to-be-collected client, and implementing collection on the to-be-collected client by means of the selected collection channel; based on the result of the implementation of the collection, for to-be-collected clients who fail to be collected, in accordance with strategy switching rules, switching to other collection channels and implementing collection. The method herein can realize automatic collection of credit card users, thus achieving the effects of labor reduction and higher collection efficiency.

Description

technical field [0001] The invention relates to the field of data processing, and more specifically, to a method and device for credit card collection and repayment. Background technique [0002] With the rapid and stable development of my country's national economy, the government's continuous improvement of the card-using environment, and the remarkable enhancement of residents' consumption awareness and consumption ability of card holders, my country's credit card industry has entered a stage of large-scale development. After initially achieving the goal of scale development, the domestic credit card industry should shift towards the goal of "quality development". In the future, competition in the credit card market will revolve around refined operations. [0003] In order to win in the fierce market competition, the credit card center of our bank pursues the rapid growth of the number of cards issued, and at the same time aims at maximizing the benefits, and strives to ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 朱祖恩吕飞鹏李科定韩滢黎文文
Owner CHINA CONSTRUCTION BANK
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