Automatic reminding short message generation system based on financing lease service

Abstract

The invention discloses an automatic reminding short message generation system based on a financing lease service, and the system architecture comprises a data collection module which is used for collecting related service data from a financing lease service system, and the related service data comprises lease contract information, equipment information and customer information; the reminding rule setting module is used for storing different reminding rules, carrying out matching according to the collected service data and a preset reminding rule, and judging whether a reminding short message needs to be generated or not; the short message generation module is used for automatically generating a reminding short message content according to a preset short message template and the collected service data when the reminding rule setting module judges that the reminding short message needs to be generated; and the short message sending module is used for sending the generated reminding short message to a corresponding client and recording the state and the result of short message sending. According to the method, manual operation is reduced through an automatic process, the labor cost is saved, the profit rate is increased, the working efficiency is improved, the default risk is reduced through timely reminding and tracking, and the customer satisfaction is improved.

Description

Technical Field

[0001] The present invention relates to the technical field of financial technology, and in particular to a system for automatically generating reminder text messages based on financial leasing business. Background Art

[0002] Financial leasing is a type of equipment leasing business characterized by financing and ownership transfer. In this business, the lessor purchases the equipment required by the lessee based on the lessee's requirements and preferences, and then signs a lease agreement with the lessee to lease the equipment to the lessee. During the lease period, the lessor needs to provide business-related reminders to the lessee, such as rent payment reminders, contract expiration reminders, and equipment maintenance reminders, depending on the business stage. Currently, many financial leasing companies still manually organize and send reminders. This method is not only inefficient and increases labor costs, but is also prone to omissions and errors, which can easily lead to incorrect payment period allocation for the lessee, resulting in overdue deductions and negative records.

[0003] With the continuous development of financial leasing business and the increase in business volume, the leasing business has gradually developed towards refinement in order to achieve the effects of improving efficiency, reducing risks and enhancing compliance in the leasing business. There is an urgent need for a system that can automatically generate reminder text messages to improve business processing efficiency and service quality. Summary of the Invention

[0004] The purpose of the present invention is to provide a system for automatically generating reminder text messages based on financial leasing business to solve the above-mentioned defects caused by the existing technology.

[0005] A system for automatically generating reminder SMS messages based on financial leasing business. The system architecture includes a data collection module, a reminder rule setting module, an SMS generation module, and an SMS sending module:

[0006] The data collection module is used to collect relevant business data from the financial leasing business system, including leasing contract information, equipment information, and customer information;

[0007] The reminder rule setting module stores different reminder rules, matches the collected business data with the preset reminder rules, and determines whether a reminder SMS needs to be generated;

[0008] SMS generation module, when the reminder rule setting module determines that a reminder SMS needs to be generated, it automatically generates the reminder SMS content based on the preset SMS template and the collected business data;

[0009] The SMS sending module sends the generated reminder SMS to the corresponding customers and records the status and results of the SMS sending.

[0010] Preferably, the lessor and the lessee sign a lease contract, and the contract information is pushed to the financial leasing business system, and the financial leasing business system obtains the lease contract information, equipment information, and customer information.

[0011] Preferably, the data collection module collects data in real time or at regular intervals through an interface of the financial leasing business system.

[0012] Preferably, the reminder rule setting module sets rules according to the business department, reminder object, reminder method, reminder category, and whether to send automatically.

[0013] Preferably, the SMS generation module presets SMS templates according to different dimensions.

[0014] Preferably, the SMS sending module uses an API interface provided by the SMS operator to send SMS messages and records the status and results of SMS sending.

[0015] Preferably, the system uses a dynamic weight algorithm to determine the trigger threshold and defines a comprehensive reminder index (RI):

[0016]

[0017] Parameter Description:

[0018] D: Current number of overdue days;

[0019] D max : The maximum number of overdue days allowed in the contract;

[0020] A: current unpaid amount;

[0021] A avg : The customer's historical average repayment amount;

[0022] S: customer’s current credit score;

[0023] S base : Customer basic credit score;

[0024] w d ,w a ,w s : dynamic weight coefficient;

[0025] ∈: environmental correction factor;

[0026] Triggering rules:

[0027] When RI ≥ 0.7: a red alert SMS message is sent, including a reminder of the legal consequences;

[0028] When 0.4≤RI<0.7: send a yellow reminder SMS message and use the regular collection template;

[0029] When RI < 0.4: No SMS message is triggered, and a gentle reminder is pushed by the APP instead.

[0030] Compared with the prior art, the present invention has the following advantages:

[0031] 1. Improve operational efficiency: It realizes the automatic generation and sending of reminder text messages, greatly improving the efficiency of information reminders, reducing the workload and error rate of manual operations, and improving the economic benefits of the enterprise.

[0032] 2. Enhanced accuracy: Generate reminder SMS messages based on preset rules and templates to ensure the accuracy and consistency of SMS content.

[0033] 3. Improve service quality: Providing timely and accurate reminder text messages can improve customer satisfaction and enhance the trust relationship between customers and financial leasing companies.

[0034] 4. Reduce the risk of breach of contract: Provide timely and accurate reminder text messages and tracking to reduce the risk of contract breach. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1 This is a system architecture diagram for automatically generating reminder SMS messages based on financial leasing business.

[0036] Figure 2 This is a flowchart for the implementation of a system that automatically generates reminder SMS messages based on financial leasing business. DETAILED DESCRIPTION

[0037] In order to make the technical means, creative features, objectives and effects achieved by the present invention easier to understand, the present invention is further described below in conjunction with specific implementation methods.

[0038] like Figures 1 to 2 As shown in the figure, a system for automatically generating reminder SMS messages based on financial leasing business, the system architecture includes a data collection module, a reminder rule setting module, an SMS generation module and an SMS sending module:

[0039] The data collection module is used to collect relevant business data from the financial leasing business system, including lease contract information (such as lease term, rent payment method, rent amount, etc.), equipment information (such as equipment model, equipment maintenance cycle, etc.), and customer information (such as customer name, customer gender, mobile phone number, etc.);

[0040] The reminder rule setting module stores different reminder rules and matches the collected business data with the preset reminder rules (for example, generating a rent payment reminder SMS 3 days before the rent payment date; generating a contract expiration reminder SMS 15 days before the contract expires, etc.) to determine whether a reminder SMS needs to be generated;

[0041] The SMS generation module automatically generates the content of a reminder SMS based on the preset SMS template and the collected business data when the reminder rule setting module determines that a reminder SMS needs to be generated. The SMS template can be preset according to different reminder types. For example, a rent payment reminder SMS template can include information such as the customer name, rent amount, and payment deadline; a contract expiration reminder SMS template can include information such as the contract number and contract expiration date.

[0042] The SMS sending module sends the generated reminder SMS to the corresponding customers and records the status and results of the SMS sending. The sending results include success and failure, and the sending results are fed back to the system for subsequent processing.

[0043] In this embodiment, the lessor and the lessee sign a lease contract, and the contract information is pushed to the financial leasing business system. The financial leasing business system obtains the lease contract information, equipment information, and customer information.

[0044] In this embodiment, the data collection module collects data in real time or at regular intervals through an interface of the financial leasing business system.

[0045] In this embodiment, the reminder rule setting module sets rules according to the business department, reminder object, reminder method, reminder category, and whether to automatically send.

[0046] In this embodiment, the SMS generation module presets SMS templates according to different dimensions.

[0047] In this embodiment, the SMS sending module uses the API interface provided by the SMS operator to send SMS messages and records the status and results of SMS sending.

[0048] In this embodiment, the system uses a dynamic weighting algorithm to determine the trigger threshold and defines a comprehensive reminder index (RI):

[0049]

[0050] Parameter Description:

[0051] D: Current number of days overdue (taken from the lease term in the lease contract);

[0052] D max : The maximum number of overdue days allowed by the contract (30 days by default);

[0053] A: The unpaid amount for the current period (taken from the lease amount in the lease contract);

[0054] A avg: The customer's historical average repayment amount (based on financial data);

[0055] S: Customer’s current credit score (0-100, from the risk control system);

[0056] S base : Customer basic credit score (0-100 points, based on a wide range of data or a standard model to calculate the basic score, which is a benchmark for evaluating all customers. Each customer's personalized factors will be adjusted on this basis);

[0057] w d ,w a ,w s : Dynamic weight coefficient (adjusted according to business cycle through machine learning model);

[0058] ∈: Environmental correction factor (such as holiday delay coefficient, LPR interest rate fluctuation impact);

[0059] Triggering rules:

[0060] When RI ≥ 0.7: a red alert SMS message is sent, including a reminder of the legal consequences;

[0061] When 0.4≤RI<0.7: send a yellow reminder SMS message and use the regular collection template;

[0062] When RI < 0.4: No SMS message is triggered, and a gentle reminder is pushed by the APP instead.

[0063] The workflow of this automatic SMS reminder system based on financial leasing business is as follows:

[0064] 1. The data collection module regularly collects relevant business data from the financial leasing business system and stores the data in the system's database;

[0065] 2. The reminder rule setting module regularly scans the business data in the database and determines whether a reminder SMS needs to be generated based on the preset reminder rules;

[0066] 3. When it is determined that a reminder SMS needs to be generated, the SMS generation module automatically generates the reminder SMS content based on the SMS template and business data;

[0067] 4. The SMS sending module sends the generated reminder SMS to the corresponding customers and records the status and results of the SMS sending.

[0068] 5. The system monitors and processes the results of SMS sending. For SMS messages that fail to be sent, the system can retry or manually intervene.

[0069] In summary, this automatic reminder SMS system based on financial leasing business: uses data analysis to optimize business processes and decision-making, reduces manual operations through automated processes, saves labor costs, increases profit margins, improves work efficiency, reduces default risks and increases customer satisfaction through timely reminders and tracking.

[0070] Therefore, the embodiments disclosed above are only illustrative in all aspects and are not exclusive. All changes within the scope of the present invention or within the scope equivalent to the present invention are encompassed by the present invention.

Claims

1. A system for automatically generating reminder SMS messages based on financial leasing business, characterized by: The system architecture includes data collection module, reminder rule setting module, SMS generation module and SMS sending module: The data collection module is used to collect relevant business data from the financial leasing business system, including leasing contract information, equipment information, and customer information; The reminder rule setting module stores different reminder rules, matches the collected business data with the preset reminder rules, and determines whether a reminder SMS needs to be generated; SMS generation module, when the reminder rule setting module determines that a reminder SMS needs to be generated, it automatically generates the reminder SMS content based on the preset SMS template and the collected business data; The SMS sending module sends the generated reminder SMS to the corresponding customers and records the status and results of the SMS sending.

2. The system for automatically generating reminder SMS messages based on financial leasing business according to claim 1 is characterized in that: The lessor and the lessee sign a lease contract, and the contract information is pushed to the financial leasing business system. The financial leasing business system obtains the lease contract information, equipment information, and customer information.

3. The system for automatically generating reminder SMS messages based on financial leasing business according to claim 1 is characterized in that: The data acquisition module collects data in real time or at regular intervals through the interface of the financial leasing business system.

4. The system for automatically generating reminder SMS messages based on financial leasing business according to claim 1 is characterized in that: The reminder rule setting module sets rules according to business department, reminder object, reminder method, reminder category, and whether to send automatically.

5. The system for automatically generating reminder SMS messages based on financial leasing business according to claim 4 is characterized in that: The SMS generation module presets SMS templates according to different dimensions.

6. The system for automatically generating reminder SMS messages based on financial leasing business according to claim 1 is characterized in that: The SMS sending module uses the API interface provided by the SMS operator to send SMS messages and records the status and results of SMS sending.

7. A system for automatically generating reminder SMS messages based on financial leasing business according to any one of claims 1 to 6, characterized in that: The system uses a dynamic weighting algorithm to determine the trigger threshold and defines a comprehensive reminder index (RI): Parameter Description: D: Current number of overdue days; D max : The maximum number of overdue days allowed in the contract; A: The unpaid amount for the current period; A avg : The customer's historical average repayment amount; S: customer’s current credit score; S base : Customer basic credit score; w d ,w a ,w s : dynamic weight coefficient; ∈: environmental correction factor; Triggering rules: When RI ≥ 0.7: a red alert SMS message is sent, including a reminder of the legal consequences; When 0.4≤RI<0.7: send a yellow reminder SMS message and use the regular collection template; When RI < 0.4: No SMS message is triggered, and a gentle reminder is pushed by the APP instead.

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