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Collection method and device based on user data and storage medium

A technology for user data and data, applied in the field of data processing, can solve the problem of difficulty in guaranteeing the success rate of collection, and achieve the effect of improving the success rate of collection

Inactive Publication Date: 2019-04-02
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, manual collection is easily affected by various factors such as collection experience and emotions, and the success rate of collection is difficult to guarantee

Method used

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  • Collection method and device based on user data and storage medium
  • Collection method and device based on user data and storage medium
  • Collection method and device based on user data and storage medium

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Embodiment Construction

[0034] In order to enable those skilled in the art to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described The embodiments are only some of the embodiments of the present application, but not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

[0035] refer to figure 1 As shown, the collection method based on user data in some embodiments of the present application includes:

[0036] S101. Determine target users whose repayment date has entered a specified period.

[0037] S102. Acquire user data of the target user; the user data includes user attribute data and user behavior ...

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Abstract

The embodiment of the invention provides a collection method and device based on user data and a storage medium. The method comprises the steps of determining a target user whose repayment day entersan appointed deadline; obtaining user data of the target user, wherein the user data comprises user attribute data and user behavior data related to the collection service; generating a feature vectorof the user data; Inputting the feature vector into a preset collection risk classification model, and determining a collection risk category of the target user; and determining a collection strategycorresponding to the collection category of the target user according to a preset corresponding relation between the collection risk category and the collection strategy. The embodiment of the invention can improve the collection success rate, and is high in efficiency and low in cost.

Description

technical field [0001] The present application relates to the technical field of data processing, and in particular to a collection method, device and storage medium based on user data. Background technique [0002] Collection is a way to recover overdue non-performing assets, usually by the creditor himself or entrusting a third party to recover the arrears. At present, traditional collections are generally carried out manually through telephone calls, text messages, and foreign visits. [0003] However, manual collection is easily affected by various factors such as collection experience and emotions, and the success rate of collection is difficult to guarantee. Therefore, how to improve the success rate of collection has become a technical problem to be solved urgently. Contents of the invention [0004] The purpose of the embodiments of the present application is to provide a collection method, device and storage medium based on user data, so as to improve the succes...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 霍雨佳张帆郭海梁
Owner BANK OF CHINA
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