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Customer post-loan management method, system and equipment based on voiceprint recognition technology and medium

A voiceprint recognition and customer technology, applied in the computer field, can solve the problems of misjudgment and operational risk, time-consuming, restricting the development of online credit, etc., and achieve the effect of prompting risks and avoiding operational risks

Pending Publication Date: 2022-03-11
中国农业银行股份有限公司福建省分行
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the phone verification, the account manager conducts item-by-item verification with the farmer according to the established script script, which takes a long time and requires the same communication process for each customer, especially for customer identity verification. The phone verification requires the account manager to have relatively strong Rich experience, time-consuming, and certain misjudgment and operational risks, seriously restricting the development of online credit

Method used

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  • Customer post-loan management method, system and equipment based on voiceprint recognition technology and medium
  • Customer post-loan management method, system and equipment based on voiceprint recognition technology and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0034] Such as figure 1 As shown, this embodiment provides a customer post-loan management method based on voiceprint recognition technology, including:

[0035] Step 1. Collect the voice sample of the customer who needs a loan to form the voiceprint feature of the customer;

[0036] Step 2. According to the pre-set verification ratio, randomly select the list of customers to be verified, and form an AI robot phone verification list according to the speech template. The intelligent voice interaction center will conduct phone verification on the customers in the list according to the speech content. The voiceprint feature confirms the consistency of the user and the accuracy of the data, and returns the result; if the voiceprint is inconsistent, the first warning message will be generated;

[0037] According to the set requirements, the target customer loan invitation script will be generated, and the intelligent voice interaction center will make a telephone invitation to the...

Embodiment 2

[0041] Such as figure 2 As shown, the second aspect is provided in this embodiment. The present invention provides a customer post-loan management system based on voiceprint recognition technology, including:

[0042] Acquire the voiceprint module, collect the voice sample of the customer who needs a loan, and form the voiceprint feature of the customer;

[0043] The post-loan management module, according to the pre-set verification ratio, randomly selects a list of customers to be verified, and forms an AI robot phone verification list according to the script template, and the intelligent voice interaction center conducts phone verification on the customers in the list according to the content of the script , confirm the consistency of the user and the accuracy of the data according to the characteristics of the voiceprint, and return the result; if the voiceprint is inconsistent, generate the first warning message;

[0044] According to the set requirements, the target cus...

Embodiment 3

[0049] This embodiment provides an electronic device, including a memory, a processor, and a computer program stored in the memory and operable on the processor. When the processor executes the computer program, any implementation manner in Embodiment 1 can be implemented.

[0050] Since the electronic device introduced in this embodiment is the device used to implement the method in Embodiment 1 of this application, based on the method described in Embodiment 1 of this application, those skilled in the art can understand the electronic device of this embodiment. Specific implementation methods and various variations thereof, so how the electronic device implements the method in the embodiment of the present application will not be described in detail here. As long as a person skilled in the art implements the equipment used by the method in the embodiment of the present application, it all belongs to the protection scope of the present application.

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Abstract

The invention provides a customer post-loan management method, system and device based on a voiceprint recognition technology and a medium, and the method comprises the steps: collecting a sound sample of a customer needing loan, and forming a voiceprint feature of the customer; and according to a set rule, carrying out telephone verification on the customer through the intelligent voice center, judging that a telephone answering person is the customer according to voiceprint characteristics, if so, carrying out corresponding operation, and if not, generating early warning data. A robot information checking, loan marketing and loan repayment reminding mode is formed, the working efficiency is greatly improved, and the working cost is reduced.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a customer post-loan management method, system, device and medium based on voiceprint recognition technology. Background technique [0002] At present, in the field of online credit, due to the small amount of credit and the large number of accounts, it is necessary to invest a lot of manpower in face-to-face interviews or conduct related operations by phone when conducting credit review, loan marketing, and post-loan collection of loans. When conducting telephone operations, the account manager mainly conducts a comprehensive inspection of the customer's identity verification, loan purpose verification, repayment willingness and repayment ability verification based on the speech script. However, due to the phone verification, the account manager conducts item-by-item verification with the farmer according to the established script script, which takes a long time and re...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G10L17/22H04M3/527
CPCG10L17/22H04M3/527G06Q40/03
Inventor 刘少坤陈航杨如山
Owner 中国农业银行股份有限公司福建省分行
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