Overdue collection method, device and system and computer readable storage medium

A customer and indicator technology, applied in the field of financial technology, can solve the problems of low success rate of overdue customer collection, lack of customer information, inability to accurately judge the risk situation of overdue customers, etc., to achieve the effect of improving the success rate of collection and accurate risk situation.

Pending Publication Date: 2021-06-04
WEBANK (CHINA)
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

However, when using this method to judge the risk of overdue customers, the customer information used is relatively small, so it is impossible to accurately judge the risk situation of overdue customers, which makes the success rate of collection of overdue customers by relevant financial institutions low.

Method used

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  • Overdue collection method, device and system and computer readable storage medium
  • Overdue collection method, device and system and computer readable storage medium
  • Overdue collection method, device and system and computer readable storage medium

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Embodiment Construction

[0061]It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0062] Such as figure 1 as shown, figure 1 It is a schematic diagram of the system structure of the hardware operating environment involved in the solution of the embodiment of the present invention.

[0063] The system in this embodiment of the present invention may be a mobile terminal, a robot, or a PC device.

[0064] Such as figure 1 As shown, the system may include: a processor 1001 , such as a CPU, a network interface 1004 , a user interface 1003 , a memory 1005 , and a communication bus 1002 . Wherein, the communication bus 1002 is used to realize connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless inte...

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Abstract

The invention discloses an overdue collection method, device and system and a computer readable storage medium, and the method comprises the steps of obtaining the data information of an overdue customer in each preset data field when the overdue customer is detected, and carrying out the processing of the data information, and obtaining the corresponding index information; inputting the index information into a preset risk scoring model to output a migration risk score of the overdue customer; and according to the migration risk score, determining a collection strategy for the overdue customer, and executing the collection strategy. When the overdue customer is detected, the data information of the overdue customer is acquired from multiple data fields, so that the risk condition of the overdue customer is judged more accurately, and the collection success rate of related financial institutions for the overdue customer is improved.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), in particular to a method, device, system and computer-readable storage medium for overdue collection. Background technique [0002] In recent years, with the continuous development of financial technology (Fintech), especially Internet financial technology, data analysis technology has been introduced into the daily services of financial institutions such as banks. In the daily service process of financial institutions such as banks, in order to recover the loan amount and interest, it is necessary to collect money from overdue customers. However, the traditional overdue collection method is to poll and dial all overdue customers by manually dialing the phone, which requires a lot of manpower. Therefore, how to intelligently collect overdue customers is an important problem that banks and other financial institutions need to solve. . [0003] There is an intellig...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q10/06
CPCG06Q10/06311G06Q40/03
Inventor 郑佳薇
Owner WEBANK (CHINA)
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