Business distribution method and device, storage medium, and computer equipment

Abstract

The present invention discloses a business distribution method and device, a storage medium, and a computer device, which relate to the field of information processing technology, and the main purpose is to solve the problem of low accuracy of business distribution. It mainly includes obtaining the target collection business information of the business to be distributed, the business resource information of the target distribution object, and the business reception volume. The target collection business information includes business execution category, business attribute information, and business quality information; determining the initial distribution business whose business execution category and business attribute information match the business resource information from the business to be distributed; determining the target distribution business from the initial distribution business based on the business reception volume, business quality information, and business quality allocation weight, and distributing the target distribution business to the target distribution object. The business quality allocation weight is used to characterize the weight of the different business quality levels in the target distribution business. It is mainly used for the distribution of collection business.

Description

Technical Field

[0001] The present invention relates to the field of information processing technology, and in particular to a service distribution method and device, a storage medium, and a computer device. Background Art

[0002] With the development of the economy and the rise of Internet finance, various types of loan businesses have emerged in large numbers, and the volume of loan business has risen rapidly. How to recover loans has become the primary issue to ensure the normal operation of financial institutions, and thus, the collection business has emerged. Financial institutions generally have two methods to meet the demand for collection. One is to set up a collection department internally, which requires a very large manpower cost and is likely to have a negative impact on the brand reputation; the other is to entrust the collection business to a third-party collection agency, which will complete the collection business.

[0003] Due to the large volume of current collection business and the wide distribution of business, the collection business needs to be assigned to multiple third-party collection agencies. The existing collection business distribution method requires manual distribution of collection business to various third-party collection agencies. However, due to the huge number of collection businesses to be distributed and the complex business situation, it is easy to make mistakes in the distribution of collection business and delays in business distribution, resulting in low efficiency and accuracy of business distribution. Summary of the invention

[0004] In view of this, the present invention provides a business distribution method and device, a storage medium, and a computer device, the main purpose of which is to solve the problem of low efficiency in the existing collection business distribution.

[0005] According to one aspect of the present invention, a service distribution method is provided, comprising:

[0006] Obtaining target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information;

[0007] Determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match;

[0008] Based on the service reception volume, the service quality information, and the service quality allocation weight, a target distribution service is determined from the initial distribution service, and the target distribution service is distributed to the target distribution object. The service quality allocation weight is used to characterize the weights of the different service quality levels in the target distribution service.

[0009] Further, the determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight includes:

[0010] Parsing the quality parameters in the service quality information, where the quality parameters are determined based on the customer credit information and customer historical transaction information corresponding to the service to be distributed;

[0011] According to the quality parameters and a preset quality level mapping relationship set, the initial distribution service is divided into service groups corresponding to different quality levels, wherein the preset quality level mapping relationship set includes mapping relationships between quality parameters in different ranges and different quality levels;

[0012] The sub-distribution amount corresponding to each of the service quality levels is calculated based on the service reception amount and the service quality allocation weight, and the initial distribution services of different service quality levels are extracted as target distribution services according to the sub-distribution amounts.

[0013] Furthermore, before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight, the method further includes:

[0014] Obtain historical business processing data of the target distribution object;

[0015] Calculate the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data;

[0016] An initial service quality allocation weight is calculated based on the service quality parameter distribution, and the initial service quality allocation weight is corrected based on the comparison result between the service completion degree and the preset service completion degree threshold to obtain a service quality allocation weight corresponding to each target distribution object.

[0017] Furthermore, before obtaining the target collection business information of the business to be distributed, the business resource information of the target distribution object, and the business reception volume, the method further includes:

[0018] Obtaining overdue information and historical execution information of the expected collection business, and performing a distribution restriction check on the historical execution information based on a first preset distribution condition;

[0019] If the result of the distribution restriction check is that the check passes, performing a distribution time check on the overdue information based on a second preset distribution condition;

[0020] If the result of the distribution time verification is that the verification is passed, the expected collection business is determined as the business to be distributed.

[0021] Further, the service resource information includes at least one of resource category, resource coverage area, and service scope information; the service attribute information includes at least one of service type and service area; the initial distribution service includes a first distribution service, a second distribution service, or a third distribution service; and the initial distribution service whose service execution category, service attribute information, and service resource information match is determined from the services to be distributed, including:

[0022] Determine, from the services to be distributed, a first distribution service whose service execution category matches the resource category;

[0023] Determine a second distribution service from the first distribution service, the service area of ​​which matches the resource coverage area; and / or,

[0024] A third distribution service whose service type matches the service category information is determined from the first distribution services.

[0025] Furthermore, the service execution category includes an online execution category and an offline execution category. After distributing the target distribution service to the target distribution object, the method further includes:

[0026] If remaining services to be distributed that have not been completed are monitored and the service execution category of the remaining services to be distributed is an offline execution category, the service execution category of the remaining services to be distributed is updated to an online execution category, so that the remaining services to be distributed are distributed based on the updated service execution category.

[0027] Furthermore, before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight, the method further includes:

[0028] The initial distribution services corresponding to the same customer information are associated to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

[0029] According to another aspect of the present invention, there is provided a service distribution device, comprising:

[0030] An acquisition module is used to acquire target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information;

[0031] A determination module, used to determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match;

[0032] A distribution module is used to determine a target distribution service from the initial distribution service based on the service reception volume, the service quality information, and the service quality allocation weight, and distribute the target distribution service to the target distribution object. The service quality allocation weight is used to characterize the weights of the different service quality levels in the target distribution service.

[0033] Furthermore, the distribution module includes:

[0034] A parsing unit, used for parsing the quality parameters in the service quality information, wherein the quality parameters are determined based on the customer credit information and the customer historical transaction information corresponding to the service to be distributed;

[0035] a dividing unit, configured to divide the initial distribution service into service groups corresponding to different quality levels according to the quality parameter and a preset quality level mapping relationship set, wherein the preset quality level mapping relationship set includes mapping relationships between quality parameters in different ranges and different quality levels;

[0036] The calculation unit is used to calculate the sub-distribution amount corresponding to each of the service quality levels based on the service reception amount and the service quality allocation weight, and extract the initial distribution services of different service quality levels as target distribution services according to the sub-distribution amounts.

[0037] Furthermore, the device also includes:

[0038] The acquisition module is also used to acquire historical business processing data of the target distribution object;

[0039] A first calculation module, configured to calculate the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data;

[0040] The second calculation module is used to calculate the initial service quality allocation weight according to the service quality parameter distribution, and to modify the initial service quality allocation weight based on the comparison result between the service completion degree and the preset service completion degree threshold value to obtain the service quality allocation weight corresponding to each of the target distribution objects.

[0041] Furthermore, the device also includes:

[0042] The acquisition module is further used to acquire overdue information and historical execution information of the expected collection business, and perform distribution restriction verification on the historical execution information based on the first preset distribution condition;

[0043] A first verification module, configured to perform a distribution time verification on the overdue information based on a second preset distribution condition if the result of the distribution restriction verification is a pass;

[0044] The second verification module is used to determine the expected collection business as the business to be distributed if the result of the distribution time verification is that the verification is passed.

[0045] Furthermore, the determination module includes:

[0046] A first matching unit, configured to determine, from the services to be distributed, a first distribution service whose service execution category matches the resource category;

[0047] A second matching unit is configured to determine, from the first distribution service, a second distribution service whose service area matches the resource coverage area; and / or,

[0048] The third matching unit is used to determine a third distribution service whose service type matches the service category information from the first distribution services.

[0049] Furthermore, the device also includes:

[0050] The update module is used to update the business execution category of the remaining services to be distributed to an online execution category if it is monitored that the distribution has not been completed, and the business execution category of the remaining services to be distributed is an offline execution category, so as to distribute the remaining services to be distributed based on the updated business execution category.

[0051] Furthermore, the device also includes:

[0052] The association module is used to associate the initial distribution services corresponding to the same customer information to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

[0053] According to another aspect of the present invention, a storage medium is provided, wherein at least one executable instruction is stored in the storage medium, and the executable instruction enables a processor to execute operations corresponding to the above-mentioned service distribution method.

[0054] According to another aspect of the present invention, there is provided a computer device, comprising: a processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface communicate with each other via the communication bus;

[0055] The memory is used to store at least one executable instruction, and the executable instruction enables the processor to execute operations corresponding to the above-mentioned service distribution method.

[0056] By means of the above technical solution, the technical solution provided by the embodiment of the present invention has at least the following advantages:

[0057] The present invention provides a business distribution method and apparatus, a storage medium, and a computer device. The embodiment of the present invention obtains target collection business information of a business to be distributed, business resource information of a target distribution object, and a business reception volume, wherein the target collection business information includes a business execution category and business attribute information; determines an initial distribution business whose business execution category, business attribute information, and business resource information match the business from the business to be distributed, and divides the initial distribution business into different business attribute groups based on the business attribute information; extracts a target distribution business from the different business attribute groups based on the business reception volume and a business quality allocation weight, and distributes the target distribution business to the target distribution object, wherein the business quality allocation weight is used to characterize the weights of businesses of different business attribute groups in the target distribution business, thereby greatly reducing the processing time of business distribution, achieving accurate matching of the business to be distributed and the target distribution object, and balanced allocation of the business to be distributed, thereby effectively improving the business distribution efficiency and the accuracy of business distribution.

[0058] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0059] Various other advantages and benefits will become apparent to those of ordinary skill in the art by reading the detailed description of the preferred embodiments below. The accompanying drawings are only for the purpose of illustrating the preferred embodiments and are not to be considered as limiting the present invention. Moreover, the same reference symbols are used throughout the accompanying drawings to represent the same components. In the accompanying drawings:

[0060] Figure 1 A flow chart of a service distribution method provided by an embodiment of the present invention is shown;

[0061] Figure 2 Another flow chart of a service distribution method provided by an embodiment of the present invention is shown;

[0062] Figure 3 A flow chart of another service distribution method provided by an embodiment of the present invention is shown;

[0063] Figure 4 A block diagram showing the composition of a service distribution device provided by an embodiment of the present invention is shown;

[0064] Figure 5 A schematic structural diagram of a computer device provided by an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0065] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0066] With regard to the existing collection business distribution method, it is necessary to manually distribute the collection business to various third-party collection agencies. However, due to the huge number of collection businesses to be distributed and the complex business conditions, it is easy to make mistakes in the collection business distribution and delays in the business distribution, resulting in technical problems such as low efficiency and low accuracy of business distribution. The embodiment of the present invention provides a business distribution method, such as Figure 1 As shown, the method includes:

[0067] 101. Obtain target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume.

[0068] In an embodiment of the present invention, the business to be distributed is a collection business that a financial enterprise needs to distribute to at least one third-party collection agency. The business execution category is used to characterize the method used to execute the collection business. The target distribution object is a third-party collection agency that needs to receive the business to be distributed. The target collection business information includes business execution category, business attribute information, and business quality information. Business resource information is information that characterizes the business processing capabilities of the target distribution object, for example, the resource category that characterizes the business execution category that the resources of the target distribution object can support, the resource coverage area of ​​the geographical area that the target distribution object can perform the collection business, and the business scope information that characterizes the collection business of different credit types that can be performed. The business reception volume is the number of collection businesses that the target distribution object can undertake. Among them, the business reception volume can be configured from the target distribution object or based on the historical business reception volume of the target distribution object, and the embodiment of the present invention does not make specific limitations.

[0069] It should be noted that the business execution category includes online execution category and offline execution category. Among them, the online execution category corresponds to online collection methods such as telephone collection and SMS collection. The offline execution category corresponds to offline collection methods such as door-to-door collection. By obtaining the business execution category of the business to be distributed, the business distribution method can be applied to the distribution scenarios of collection business with different online and offline business execution methods, effectively improving the applicability of business distribution.

[0070] 102. Determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information, and service resource information match.

[0071] In the embodiment of the present invention, in order to ensure that the target distribution object can perform the collection business according to the business execution type of the business to be distributed, it is necessary to match the business execution type of each business to be distributed with the resource type in the business resource information of the target distribution object. For example, the resource type of the target distribution object includes online resources and offline resources, indicating that the target distribution object has the ability to handle online collection business and offline collection business, then the business to be distributed with the business execution category of online execution category and offline execution category are all businesses that match the target distribution object. Since the collection business includes different business types, such as the credit type includes the secured credit type, the unsecured credit type, etc.; the loan type includes personal loan, corporate loan, etc., different business types have different requirements for the collection ability of the target distribution object, therefore, it is necessary to match the business attribute information of the business to be distributed with the business scope in the business resource information of the target distribution object to ensure that the collection business distributed to the target distribution object is within the business capability of the target distribution object. For example, the business attribute information includes the business type and the business area, then the business type and the business area of ​​the business to be distributed need to be covered by the business scope of the target distribution object to be determined as the initial distribution business of the target distribution object.

[0072] It should be noted that by matching the business execution category and business attribute information of the business to be distributed with the business resource information of the target distribution object, it is possible to achieve accurate matching of the business to be distributed and the target distribution object, thereby preventing the target distribution object from receiving collection business beyond the scope of its business capabilities, causing business circulation, and reducing the error rate of business distribution and the time consumption of business distribution, thereby effectively improving the accuracy of business distribution and the efficiency of business distribution.

[0073] 103. Determine a target distribution service from the initial distribution services based on the service reception volume, the service quality information, and the service quality allocation weight, and distribute the target distribution service to the target distribution object.

[0074] In an embodiment of the present invention, the service quality allocation weight is used to characterize the weights of different service attribute levels in the target distribution service. Since the number of initially distributed services determined is large, it needs to be allocated to multiple target distribution objects. However, the collection business is relatively complex, and there are large differences in the difficulty of executing services corresponding to different service quality levels, and the corresponding commissions are also different. In order to ensure the fairness of service distribution and the matching of service quality distribution with the service capabilities of the target distribution objects, it is necessary to extract services of different service quality levels from the initial distribution services for each target distribution object according to the service reception volume corresponding to the target distribution object, the service quality allocation weight, and the service quality level of each initial distribution service, and form a target distribution service.

[0075] It should be noted that by extracting services of different quality levels from the initial distribution services according to the corresponding service quality allocation weights for each target distribution object, it is possible to flexibly regulate the quality of the distributed services, so that the distribution of service quality received by each target distribution object is more balanced, thereby improving the fairness of service distribution. At the same time, it can also meet various service distribution scenarios of adjusting service orientation through service distribution and regulating services for different target distribution objects, thereby improving the flexibility of service distribution and the applicability of service distribution to multiple service application scenarios.

[0076] In an embodiment of the present invention, for further explanation and limitation, as Figure 2 As shown, step 103, determining a target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight, includes:

[0077] 201. Analyze the quality parameters in the service quality information.

[0078] 202. Divide the initial distribution service into service groups corresponding to different quality levels according to the quality parameter and a preset quality level mapping relationship set.

[0079] 203. Calculate a sub-distribution amount corresponding to each of the service quality levels based on the service reception amount and the service quality allocation weight, and extract the initial distribution services of different service quality levels as target distribution services according to the sub-distribution amounts.

[0080] In an embodiment of the present invention, in order to regulate the service quality distribution of the target distribution object, it is necessary to determine the quality level corresponding to each initial distribution service, and then extract the initial distribution services of different quality levels as the target distribution services based on the service quality allocation weight. Specifically, the quality parameters in the service quality information are parsed. Among them, the quality parameter is used to characterize the difficulty of processing each initial distribution service. For example, the quality parameter is a quality score of 1-10. The higher the quality score, the lower the difficulty of service processing. The definition method of the quality parameter can be customized according to the specific application scenario, and the embodiment of the present invention does not make specific restrictions. After obtaining the quality parameter, the initial distribution service is divided into different quality levels based on the preset quality level mapping relationship set. Among them, the preset quality level mapping relationship set includes mapping relationships between quality parameters of different ranges and quality levels, such as quality parameters 1 to 3 corresponding to the third quality level, quality parameters 4 to 6 corresponding to the second quality level, and quality parameters 7 to 10 corresponding to the first quality level. The range quality parameters and the division method of the quality level can be customized according to the specific application scenario, and the embodiment of the present invention does not make specific restrictions. After obtaining the quality level corresponding to each initial distribution service, the initial distribution service corresponding to the same quality level is constructed as a service group to obtain service groups corresponding to different quality levels. Then, a corresponding number of initial distribution services are obtained from the corresponding service group according to the corresponding sub-distribution amount of each service group, so as to obtain the target distribution service, wherein the sub-distribution amount is the number of services that need to be extracted from the service group of the quality level corresponding to the sub-distribution amount.

[0081] It should be noted that the quality parameters are determined based on the customer credit information and customer historical transaction information corresponding to the business to be distributed. Among them, the customer is the collection object of the collection business. Since the customer is the direct negotiation object of the collection business, the customer's credit level and historical transaction information directly determine the customer's repayment ability and repayment time limit. Therefore, the quality parameters determined based on the customer's credit information and customer's historical transaction information can accurately reflect the difficulty of handling the collection business, making the regulation of business processing difficulty more accurate, thereby effectively improving the accuracy and fairness of business distribution.

[0082] In an embodiment of the present invention, for further explanation and limitation, as Figure 3 As shown, before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight in step 103, the method further includes:

[0083] 301. Obtain historical business processing data of a target distribution object.

[0084] 302. Calculate the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data.

[0085] 303. Calculate an initial service quality allocation weight based on the service quality parameter distribution, and modify the initial service quality allocation weight based on a comparison result between the service completion degree and a preset service completion degree threshold to obtain a service quality allocation weight corresponding to each of the target distribution objects.

[0086] In the embodiment of the present invention, since the business capabilities of each target distribution object are different, the difficulty of business processing for the collection business that can be undertaken is also different. In order to make the business quality distribution of each target distribution object more targeted, the historical business processing data of the target distribution object is obtained, and the business quality parameter distribution and business completion are obtained by statistically analyzing and processing the historical business processing data. Among them, the business quality parameter distribution is used to characterize the quality distribution of the target distribution object's previous business processing. The business completion is used to characterize the business completion quality of the target distribution object performing the collection business. Then, the initial business quality allocation weight is configured according to the business quality parameter distribution. For example, the business quality parameter distribution of the target distribution object A is quality parameters 1 to 3 (corresponding to the third quality level

[0087] ) distribution quantity is 500, the distribution quantity of quality parameters 4 to 6 (corresponding to the second quality level) is 1000, and the distribution quantity of quality parameters 7 to 10 (corresponding to the first quality level) is 3500, then the basic service quality allocation weights can be configured as: the first quality level weight is 0.7, the second quality level weight is 0.2, and the third quality level weight is 0.1. Furthermore, if the service completion degree is greater than or equal to the preset service completion threshold, the initial service quality allocation weight is determined as the service quality allocation weight; or if the service completion degree is greater than the preset service completion threshold, the third quality level weight is increased and the first quality level weight is decreased; if the service completion degree is less than the preset service completion threshold, the third quality level weight is decreased and the first quality level weight is increased. The setting of the preset service completion threshold and the configuration method of the service quality allocation weight can be customized based on the specific service scenario, and the embodiments of the present invention do not make specific limitations.

[0088] It should be noted that by analyzing the historical business processing data of different target distribution objects and configuring corresponding business quality allocation weights for each target distribution object, the business capabilities of the target distribution object can be fully utilized, reducing business distribution failures caused by the target distribution object's inability to undertake business. At the same time, the quality of business completion is guaranteed, thereby effectively improving the success rate and effectiveness of business distribution.

[0089] In one embodiment of the present invention, for further explanation and limitation, before obtaining the target collection business information of the business to be distributed, the business resource information of the target distribution object, and the business reception volume in step 101, the method further includes:

[0090] Obtaining overdue information and historical execution information of the expected collection business, and performing a distribution restriction check on the historical execution information based on a first preset distribution condition;

[0091] If the result of the distribution restriction check is that the check passes, performing a distribution time check on the overdue information based on a second preset distribution condition;

[0092] If the result of the distribution time verification is that the verification is passed, the expected collection business is determined as the business to be distributed.

[0093] In an embodiment of the present invention, the historical execution information includes at least one of complaint information and business scenario restriction information. The first preset distribution condition is a complaint information and / or business scenario restriction information matching condition. If the historical execution information does not include complaint information and / or business scenario restriction information that matches the first preset distribution condition, it is determined that the verification is passed; otherwise, it indicates that the current expected collection business is a distribution restricted business, the verification is determined to have failed, and the expected collection business is included in the distribution blacklist. After the distribution restriction verification is passed, it is also necessary to determine whether the expected collection business meets the preset distribution time based on the second preset distribution condition. Among them, the second preset distribution condition is the overdue condition that triggers the business distribution. For example, the second preset distribution condition is that if the contract is overdue for more than 30 natural days, the business distribution is triggered, and the distribution time transaction result of the expected collection business corresponding to the overdue information greater than 30 natural days is determined as a verification pass, otherwise, the verification passes. The setting of the second preset distribution condition can be customized according to specific application requirements, and the embodiment of the present invention does not make specific limitations. By performing distribution restriction and distribution time verification on expected collection business, the determination of the business to be distributed can be made more accurate, avoiding the distribution of business that has not reached the distribution time or is restricted, thereby effectively improving the accuracy of business distribution.

[0094] In addition, before obtaining overdue information, the deduction data is also monitored. If the deduction data within the preset time period is less than the historical average deduction data, an abnormal deduction warning is issued, and the overdue data within the preset time period is intercepted. Avoid abnormal deductions, such as the deduction has been successful but the deduction is displayed as failed, causing the outflow of erroneous overdue data, and then causing the generation and distribution of erroneous collection business.

[0095] In one embodiment of the present invention, for further explanation and limitation, the determining, from the services to be distributed, the initial distribution service in which the service execution category, the service attribute information and the service resource information match, includes:

[0096] Determine, from the services to be distributed, a first distribution service whose service execution category matches the resource category;

[0097] Determine a second distribution service from the first distribution service, the service area of ​​which matches the resource coverage area; and / or,

[0098] A third distribution service whose service type matches the service category information is determined from the first distribution services.

[0099] In an embodiment of the present invention, the first distribution service may be a service to be distributed of an online execution category or an offline execution category. The service resource information includes at least one of the resource category, the resource coverage area, and the service scope information. The service attribute information includes at least one of the service type and the service area. The initial distribution service includes at least one of the second distribution service and the third distribution service. The resource coverage area is the geographical area of ​​the service that the target distribution object can handle. The service scope information is the range of service types that the target distribution object can handle. The service execution category includes an online execution category and an offline execution category. If the first distribution service is an offline execution category, it is necessary to match the service area of ​​the first distribution service with the resource coverage area of ​​the target distribution object to ensure that the service area of ​​the first distribution service is within the service area of ​​the target distribution object, and it is also necessary to ensure that the service type of the first distribution service is a service type that can be executed by the target distribution object. For the first distribution service of the online execution category, it is only necessary to ensure that the service type of the first distribution service is a service type that can be executed by the target distribution object.

[0100] In an embodiment of the present invention, for further explanation and limitation, the service execution category includes an online execution category and an offline execution category. After distributing the target distribution service to the target distribution object, the method further includes:

[0101] If remaining services to be distributed that have not been completed are monitored and the service execution category of the remaining services to be distributed is an offline execution category, the service execution category of the remaining services to be distributed is updated to an online execution category, so that the remaining services to be distributed are distributed based on the updated service execution category.

[0102] In the embodiment of the present invention, since the offline execution category of pending business consumes a lot of manpower and time, the target distribution object receives much less business for the offline execution category than the online execution category. It often happens that the offline execution category of pending business exceeds the target distribution object that can execute offline business, resulting in the inability to fully distribute the business and generating remaining pending business. In order to ensure the success rate of business distribution and thus ensure the execution of collection business, when the remaining pending business of the offline execution category is generated, the business execution category of the remaining pending business is reconfigured to the online execution category, and the remaining pending business is redistributed to achieve a bottom-up distribution of business execution.

[0103] In one embodiment of the present invention, for further explanation and limitation, before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight in step 103, the method further includes:

[0104] The initial distribution services corresponding to the same customer information are associated to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

[0105] In the embodiment of the present invention, in the collection business, the same customer may correspond to multiple pending businesses. In order to avoid the waste of collection resources and improve the customer collection experience, the pending businesses of the same customer are grouped together for distribution to ensure that the businesses of the same customer are processed by the same target distribution object, so as to achieve the effect of saving business processing resources.

[0106] The present invention provides a business distribution method. An embodiment of the present invention obtains target collection business information of a business to be distributed, business resource information of a target distribution object, and a business reception volume, wherein the target collection business information includes a business execution category and business attribute information; determines an initial distribution business whose business execution category, business attribute information, and business resource information match the business from the business to be distributed, and divides the initial distribution business into different business attribute groups based on the business attribute information; extracts a target distribution business from the different business attribute groups based on the business reception volume and a business quality allocation weight, and distributes the target distribution business to the target distribution object, wherein the business quality allocation weight is used to characterize the weights of businesses of different business attribute groups in the target distribution business, thereby greatly reducing the processing time of business distribution, achieving accurate matching of the business to be distributed and the target distribution object, and balanced allocation of the business to be distributed, thereby effectively improving the business distribution efficiency and the accuracy of business distribution.

[0107] Furthermore, as a response to the above Figure 1 To implement the method shown in the figure, the embodiment of the present invention provides a service distribution device, such as Figure 4 As shown, the device comprises:

[0108] An acquisition module 41 is used to acquire target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information;

[0109] A determination module 42, configured to determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match;

[0110] The distribution module 43 is used to determine the target distribution service from the initial distribution service based on the service reception volume, the service quality information, and the service quality allocation weight, and distribute the target distribution service to the target distribution object. The service quality allocation weight is used to characterize the weights of the different service quality levels in the target distribution service.

[0111] Furthermore, the distribution module 43 includes:

[0112] A parsing unit, used for parsing the quality parameters in the service quality information, wherein the quality parameters are determined based on the customer credit information and the customer historical transaction information corresponding to the service to be distributed;

[0113] a dividing unit, configured to divide the initial distribution service into service groups corresponding to different quality levels according to the quality parameter and a preset quality level mapping relationship set, wherein the preset quality level mapping relationship set includes mapping relationships between quality parameters in different ranges and different quality levels;

[0114] The calculation unit is used to calculate the sub-distribution amount corresponding to each of the service quality levels based on the service reception amount and the service quality allocation weight, and extract the initial distribution services of different service quality levels as target distribution services according to the sub-distribution amounts.

[0115] Furthermore, the device also includes:

[0116] The acquisition module 41 is also used to acquire historical business processing data of the target distribution object;

[0117] A first calculation module, configured to calculate the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data;

[0118] The second calculation module is used to calculate the initial service quality allocation weight according to the service quality parameter distribution, and to modify the initial service quality allocation weight based on the comparison result between the service completion degree and the preset service completion degree threshold value to obtain the service quality allocation weight corresponding to each of the target distribution objects.

[0119] Furthermore, the device also includes:

[0120] The acquisition module 41 is further used to acquire overdue information and historical execution information of the expected collection business, and perform distribution restriction verification on the historical execution information based on the first preset distribution condition;

[0121] A first verification module, configured to perform a distribution time verification on the overdue information based on a second preset distribution condition if the result of the distribution restriction verification is a pass;

[0122] The second verification module is used to determine the expected collection business as the business to be distributed if the result of the distribution time verification is that the verification is passed.

[0123] Furthermore, the determination module 42 includes:

[0124] A first matching unit, configured to determine, from the services to be distributed, a first distribution service whose service execution category matches the resource category;

[0125] A second matching unit is configured to determine, from the first distribution service, a second distribution service whose service area matches the resource coverage area; and / or,

[0126] The third matching unit is used to determine a third distribution service whose service type matches the service category information from the first distribution services.

[0127] Furthermore, the device also includes:

[0128] The update module is used to update the business execution category of the remaining services to be distributed to an online execution category if it is monitored that the distribution has not been completed, and the business execution category of the remaining services to be distributed is an offline execution category, so as to distribute the remaining services to be distributed based on the updated business execution category.

[0129] Furthermore, the device also includes:

[0130] The association module is used to associate the initial distribution services corresponding to the same customer information to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

[0131] The present invention provides a business distribution device. An embodiment of the present invention obtains target collection business information of a business to be distributed, business resource information of a target distribution object, and a business reception volume, wherein the target collection business information includes a business execution category and business attribute information; determines an initial distribution business whose business execution category, business attribute information, and business resource information match from the business to be distributed, and divides the initial distribution business into different business attribute groups based on the business attribute information; extracts a target distribution business from the different business attribute groups based on the business reception volume and a business quality allocation weight, and distributes the target distribution business to the target distribution object, wherein the business quality allocation weight is used to characterize the weights of businesses of different business attribute groups in the target distribution business, thereby greatly reducing the processing time of business distribution, achieving accurate matching of the business to be distributed and the target distribution object, and balanced allocation of the business to be distributed, thereby effectively improving the business distribution efficiency and the accuracy of business distribution.

[0132] According to an embodiment of the present invention, a storage medium is provided, wherein the storage medium stores at least one executable instruction, and the computer executable instruction can execute the service distribution method in any of the above method embodiments.

[0133] Figure 5 A schematic diagram of the structure of a computer device provided according to an embodiment of the present invention is shown. The specific embodiment of the present invention does not limit the specific implementation of the computer device.

[0134] like Figure 5 As shown, the computer device may include: a processor (processor) 502 , a communication interface (Communications Interface) 504 , a memory (memory) 506 , and a communication bus 508 .

[0135] The processor 502 , the communication interface 504 , and the memory 506 communicate with each other via a communication bus 508 .

[0136] The communication interface 504 is used to communicate with other devices such as clients or other servers.

[0137] The processor 502 is used to execute the program 510, and specifically can execute the relevant steps in the above-mentioned service distribution method embodiment.

[0138] Specifically, the program 510 may include program codes, which include computer operation instructions.

[0139] The processor 502 may be a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present invention. The one or more processors included in the computer device may be processors of the same type, such as one or more CPUs; or processors of different types, such as one or more CPUs and one or more ASICs.

[0140] The memory 506 is used to store the program 510. The memory 506 may include a high-speed RAM memory, and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory.

[0141] The program 510 may be specifically configured to enable the processor 502 to perform the following operations:

[0142] Obtaining target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information;

[0143] Determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match;

[0144] Based on the service reception volume, the service quality information, and the service quality allocation weight, a target distribution service is determined from the initial distribution service, and the target distribution service is distributed to the target distribution object. The service quality allocation weight is used to characterize the weights of the different service quality levels in the target distribution service.

[0145] Obviously, it should be understood by those skilled in the art that the above-mentioned modules or steps of the present invention can be implemented by a general-purpose computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order from that herein, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0146] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. For those skilled in the art, the present invention may have various modifications and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A service distribution method, characterized in that: include: Obtaining target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information, wherein the business attribute information includes business type and business area, and the business execution category includes secured credit type, unsecured credit type, personal loan, and corporate loan; Determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match; Determine a target distribution service from the initial distribution service based on the service reception amount, the service quality information, and a service quality allocation weight, and distribute the target distribution service to the target distribution object, wherein the service quality allocation weight is used to characterize the weights of different service quality levels in the target distribution service and is determined based on the service quality parameter distribution of the target distribution object; Before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight, the method further includes: Obtain historical business processing data of the target distribution object; Calculate the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data; An initial service quality allocation weight is calculated according to the service quality parameter distribution, and the initial service quality allocation weight is corrected based on the comparison result between the service completion degree and the preset service completion degree threshold value to obtain a service quality allocation weight corresponding to each of the target distribution objects; The service execution category includes an online execution category and an offline execution category. After distributing the target distribution service to the target distribution object, the method further includes: If remaining services to be distributed that have not been distributed are monitored, and the service execution category of the remaining services to be distributed is an offline execution category, the service execution category of the remaining services to be distributed is updated to an online execution category, so as to distribute the remaining services to be distributed based on the updated service execution category; Before determining the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight, the method further includes: The initial distribution services corresponding to the same customer information are associated to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

2. The method according to claim 1, characterized in that The determining of the target distribution service from the initial distribution service based on the service reception amount, the service quality information, and the service quality allocation weight includes: Parsing the quality parameters in the service quality information, where the quality parameters are determined based on the customer credit information and customer historical transaction information corresponding to the service to be distributed; According to the quality parameters and a preset quality level mapping relationship set, the initial distribution service is divided into service groups corresponding to different quality levels, wherein the preset quality level mapping relationship set includes mapping relationships between quality parameters in different ranges and different quality levels; The sub-distribution amount corresponding to each of the service quality levels is calculated based on the service reception amount and the service quality allocation weight, and the initial distribution services of different service quality levels are extracted as target distribution services according to the sub-distribution amounts.

3. The method according to claim 1, characterized in that Before obtaining the target collection business information of the business to be distributed, the business resource information of the target distribution object and the business reception volume, the method further includes: Obtaining overdue information and historical execution information of the expected collection business, and performing a distribution restriction check on the historical execution information based on a first preset distribution condition; If the result of the distribution restriction check is that the check passes, performing a distribution time check on the overdue information based on a second preset distribution condition; If the result of the distribution time verification is that the verification is passed, the expected collection business is determined as the business to be distributed.

4. The method according to claim 1, characterized in that: The service resource information includes at least one of resource category, resource coverage area, and service scope information; the service attribute information includes at least one of service type and service area; the initial distribution service includes a first distribution service, a second distribution service, and / or a third distribution service; and determining the service execution category, the service attribute information, and the initial distribution service matching the service resource information from the services to be distributed includes: Determine, from the services to be distributed, a first distribution service whose service execution category matches the resource category; Determine a second distribution service from the first distribution service, the service area of ​​which matches the resource coverage area; and / or, A third distribution service whose service type matches the service category information is determined from the first distribution services.

5. A service distribution device, characterized in that: include: An acquisition module, used to acquire target collection business information of the business to be distributed, business resource information of the target distribution object, and business reception volume, wherein the target collection business information includes business execution category, business attribute information, and business quality information, wherein the business attribute information includes business type and business area, and the business execution category includes secured credit type, unsecured credit type, personal loan, and corporate loan; A determination module, used to determine, from the services to be distributed, an initial distribution service whose service execution category, service attribute information and service resource information match; A distribution module, configured to determine a target distribution service from the initial distribution service based on the service reception amount, the service quality information, and a service quality allocation weight, and distribute the target distribution service to the target distribution object, wherein the service quality allocation weight is used to characterize the weights of different service quality levels in the target distribution service, and is determined based on the service quality parameter distribution of the target distribution object; The acquisition module is also used to acquire historical business processing data of the target distribution object; A first calculation module, used for calculating the service quality parameter distribution and service completion degree of each target distribution object according to the historical service processing data; A second calculation module is used to calculate an initial service quality allocation weight according to the service quality parameter distribution, and to modify the initial service quality allocation weight based on a comparison result between the service completion degree and a preset service completion degree threshold value, so as to obtain a service quality allocation weight corresponding to each of the target distribution objects; An updating module, configured to update the business execution category of the remaining business to be distributed to an online execution category if it is monitored that the remaining business to be distributed has not been distributed and the business execution category of the remaining business to be distributed is an offline execution category, so as to distribute the remaining business to be distributed based on the updated business execution category; The association module is used to associate the initial distribution services corresponding to the same customer information to obtain an associated service group, and the associated service group is used to distribute the services as a whole to the same target distribution object.

6. A storage medium, wherein at least one executable instruction is stored in the storage medium, and the executable instruction enables a processor to execute an operation corresponding to the service distribution method according to any one of claims 1 to 4.

7. A computer device comprising: A processor, a memory, a communication interface and a communication bus, wherein the processor, the memory and the communication interface communicate with each other via the communication bus; The memory is used to store at least one executable instruction, and the executable instruction enables the processor to perform an operation corresponding to the service distribution method according to any one of claims 1 to 4.

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