Bill overdue intelligent collection method and system
A billing and intelligent technology, applied in the field of financial credit, can solve problems such as unsatisfactory human-computer interaction process and low recovery rate of collection cases
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Embodiment 1
[0032] In this embodiment, a method for intelligent collection of overdue bills is provided, figure 1 It is a flow chart of an overdue bill intelligent collection method according to an embodiment of the present invention, such as figure 1 As shown, the process includes the following steps:
[0033] Step S101, using machine learning to predict the return probability of customers with overdue bills;
[0034] Step S102, for customers whose payment recovery probability is less than a predetermined value, match the payment collection tasks of different types of customers with corresponding collectors according to the customer portrait and the collection collector portrait based on big data.
[0035] After step S101 of this embodiment, it may further include: for customers whose payment return probability is greater than the predetermined value, collect collection by SMS or intelligent outbound robot.
[0036] figure 2 It is a flow chart of an overdue bill intelligent collectio...
Embodiment 2
[0047] This embodiment also provides an overdue bill intelligent collection system, which is used to implement the above embodiments and preferred implementation modes, and what has been explained will not be repeated. As used below, the terms "module" and "unit" may be a combination of software and / or hardware that realize a predetermined function. Although the systems described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.
[0048] image 3 is a structural block diagram of an overdue bill intelligent collection system according to an embodiment of the present invention, such as image 3 As shown, the system includes a prediction module 10 and a matching module 20 .
[0049] The prediction module 10 predicts the probability of payment of customers with overdue bills through machine learning.
[0050] The matching module 20 is configured to match...
Embodiment 3
[0062] In order to facilitate the understanding of the technical solutions provided by the present invention, the following will describe in detail in conjunction with embodiments of specific scenarios.
[0063] The embodiment of this patent is an intelligent collection system that combines intelligent outbound calls and manual landlines designed by using recommendation algorithms for case ratings, portraits of borrowers, and portraits of debt collectors for post-loan collections.
[0064] The key point of this patent embodiment is to divide customers into two groups, one is easy to collect customers, and the other is difficult to collect customers; easy to collect customers can use smart outbound calls to collect, and the customer service robot has set up relevant collection. Strategies and related words; it is difficult to remind users. We have carried out user portraits of different dimensions for borrowers, and also characterized the characteristics of relevant dimensions f...
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