Customized collection form-based collection method, system equipment and storage medium

Abstract

The invention discloses a collection method based on a customized collection form, system equipment and a storage medium. The method comprises the following steps: creating a personalized staging form according to a specified customer, a staging number and a staging amount; and performing risk classification, reason classification, classification of other attributes and the like on customers by utilizing big data analysis. Different preferential pricing schemes and personalized repayment plans are provided for different types of customer groups. And the repayment willingness of the customer is promoted by using different expense reduction strategies. A customer risk label, an interest rate and the like are locked in advance through an appointment handling function; the back-pushing measurement and calculation function predicts the customer supervision time period, so that a better staging scheme can be conveniently formulated for the customer. The real-time monitoring means is utilized to feed back the performance of the repayment plan of the customer in real time, and the collection staff is notified to take customer communication measures more timely. Different collection calibers are used to promote the aperture opening ratio of customers, improve the handling rate of personalized staging, and reduce the pressure of unfavorable assets.

Description

Technical Field

[0001] The present invention relates to the field of big data analysis, and in particular to a collection method, system equipment and storage medium based on customized collection forms. Background Art

[0002] With the booming economy, credit cards have become a widely accepted payment method, and more and more consumers tend to use credit cards for daily transactions. However, due to various reasons, many cardholders are faced with the dilemma of being unable to repay their credit card debts on time, which makes the collection work of financial institutions particularly critical. Faced with a diverse customer base, multiple reasons for overdue repayments, and personalized customer demands, the traditional single collection method and form system can no longer adapt to the changing collection needs, and more flexible and personalized solutions are urgently needed to improve collection efficiency and customer satisfaction.

[0003] For commercial banks, the current collection methods for overdue customers are relatively simple. It is impossible to customize personalized installment repayment plans according to the characteristics of customers, and it is impossible to differentiate repayment pricing for different customer groups, different risk labels, and different types and reasons of handling. It is impossible to formulate different interest and fee reduction strategies, and it is impossible to provide more preferential plans to promote customers' willingness to repay. For customers who agree to the repayment plan through negotiation, there is a lack of quick performance monitoring, and it is impossible to notify the collectors in time to contact the customers for necessary communication. The collection effect is not obvious.

[0004] Therefore, it is a technical problem that technical personnel in this field urgently need to solve to propose a scientific and effective technical solution that provides differentiated preferential pricing plans and personalized repayment plans for different types of customer groups, and uses different interest and fee reduction strategies to promote customers' willingness to repay. Summary of the invention

[0005] To this end, the present invention proposes to use big data analysis to classify customers by risk, cause, and other attributes. Differentiated preferential pricing plans and personalized repayment plans are provided for different types of customers. Different interest and fee reduction strategies are used to promote customers' willingness to repay. The appointment function is used to lock in customer risk labels, interest rates, etc. in advance, and the back-calculation function is used to predict the customer's supervision period, so as to formulate the best installment plan for the customer.

[0006] To achieve the above objectives, in a first aspect, the present invention provides a collection method based on a customized collection form, comprising:

[0007] Create personalized installment forms based on specified customers, number of installments and installment amounts;

[0008] After filling in the period number and customer group category, query the interface to obtain the interest rate configuration and determine whether the interest rate is 0;

[0009] The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required;

[0010] If the interest rate is not 0, calculate the interest for each period and the total interest for each installment;

[0011] Submit the form to display the final monthly interest rate, total rate, interest per period, total installment interest, and annualized interest rate.

[0012] Furthermore, the query interface to obtain the interest rate configuration after filling in the period number and customer group category includes:

[0013] Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates;

[0014] If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

[0015] Furthermore, the calculation of the interest per period and the total interest per period includes:

[0016] Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap;

[0017] If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account;

[0018] Interest for each account = Fee cap * (account installment amount / total account installment amount)

[0019] Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result;

[0020] Furthermore, if the total interest of the installments does not exceed the fee cap, it will be returned directly.

[0021] After the form is submitted, the form data is verified, including:

[0022] Configure whether the 0 interest rate is a special approval. If the configured interest rate is not a special approval, a pop-up box will be displayed on the page; if the configured interest rate is a special approval, the interest for each period will be saved; if the configured interest rate selects the 0 interest rate field indicator, the receivable interest rate and the actual interest rate will be recorded.

[0023] Furthermore, in the main page of collecting debts from customers, for customers whose debt collection orders have not yet processed personalized installments, a trial calculation function is set up to calculate the customer category and differentiated pricing interest rates; an appointment can be made to lock the user's interest rate and number of installments.

[0024] In a second aspect, the present invention further provides a collection system based on a customized collection form, comprising: a data division unit, a data analysis unit, a judgment unit, and an output unit;

[0025] Data division unit: used to create personalized installment forms according to the specified customer, number of installments and installment amount;

[0026] Data analysis unit: used to query the interface and obtain interest rate configuration after filling in the period number and customer group category;

[0027] Judgment unit: used to judge whether the interest rate is 0;

[0028] The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required;

[0029] If the interest rate is not 0, calculate the interest for each period and the total interest for each installment;

[0030] Output unit: used to submit the form, display the final monthly interest rate, total rate, interest per period, total interest per installment, and annualized interest rate.

[0031] Furthermore, the query interface to obtain the interest rate configuration after filling in the period number and customer group category includes:

[0032] Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates;

[0033] If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

[0034] Furthermore, the calculation of the interest per period and the total interest per period includes:

[0035] Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap;

[0036] If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account;

[0037] Interest for each account = Fee cap * (account installment amount / total account installment amount)

[0038] Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result;

[0039] If the total interest of the installments does not exceed the fee cap, it will be returned directly.

[0040] In a third aspect, the present invention provides a computing device, comprising:

[0041] A memory for storing program instructions;

[0042] The processor is used to call the program instructions stored in the memory and execute the above-mentioned collection method based on the customized collection form according to the obtained program instructions.

[0043] In a fourth aspect, the present invention provides a computer-readable storage medium, including computer-readable instructions. When a computer reads and executes the computer-readable instructions, the above-mentioned collection method based on a customized collection form is implemented. The readable medium may be multiple, and the multiple readable media can operate independently of each other.

[0044] Compared with the existing technology, this solution creates personalized installment forms based on designated customers, number of installments and installment amounts; uses big data analysis to classify customers by risk, reason and other attributes. Provide differentiated preferential pricing plans and personalized repayment plans for different types of customers. Use different interest and fee reduction strategies to promote customers' willingness to repay. Use the appointment function to lock in customer risk labels, interest rates, etc. in advance; use the back-calculation function to predict customer supervision periods, so as to facilitate the formulation of better installment plans for customers. Use real-time monitoring methods to provide real-time feedback on the performance of customers' repayment plans, and notify collectors in a more timely manner to take customer communication measures. Use different collection calibers to promote customers' opening rate, improve the handling rate of personalized installments, and reduce non-performing assets. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present disclosure. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0046] Figure 1 A flowchart of an embodiment of a collection method based on a customized collection form provided by the present invention;

[0047] Figure 2 A structural block diagram of an embodiment of a collection system based on a customized collection form provided by the present invention;

[0048] Figure 3 The present invention provides a schematic structural diagram of an electronic device. DETAILED DESCRIPTION

[0049] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present application.

[0050] It will be understood by those skilled in the art that, unless otherwise stated, the singular forms "a", "an" and "the" used herein may also include plural forms. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0051] In order to make the objectives, technical solutions and advantages of the present application more clear, the specific implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0052] The core of the present invention is to provide a collection method based on a customized collection form. Figure 1 The flowchart of the collection method based on the customized collection form provided in this embodiment is shown. Figure 1 The technical solution of this embodiment is described in detail:

[0053] Step S1: Create a personalized installment form based on the specified customer, number of installments and installment amount;

[0054] Step S2: After filling in the period number and customer group category, query the interface to obtain the interest rate configuration and determine whether the interest rate is 0;

[0055] The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required;

[0056] If the interest rate is not 0, calculate the interest for each period and the total interest for each installment;

[0057] Step S3: Submit the form to display the final monthly interest rate, total rate, interest per period, total installment interest, and annualized interest rate.

[0058] In a preferred embodiment, the querying interface to obtain the interest rate configuration after filling in the period number and customer group category includes:

[0059] Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates;

[0060] If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

[0061] In a preferred embodiment, the calculation of the interest per period and the total interest per period includes:

[0062] Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap;

[0063] If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account;

[0064] Interest for each account = Fee cap * (account installment amount / total account installment amount)

[0065] Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result;

[0066] If the total interest of the installments does not exceed the fee cap, it will be returned directly.

[0067] In a preferred embodiment, after the form is submitted, form data verification is performed, including:

[0068] Configure whether the 0 interest rate is a special approval. If the configured interest rate is not a special approval, a pop-up box will be displayed on the page; if the configured interest rate is a special approval, the interest for each period will be saved; if the configured interest rate selects the 0 interest rate field indicator, the receivable interest rate and the actual interest rate will be recorded.

[0069] In a preferred embodiment, in the main page of the collection of customers, a trial calculation function is provided for customers whose collection orders have not yet processed personalized installments. By calculating the customer category and differentiated pricing interest rates, an appointment is made to lock the user's interest rate and the number of installments.

[0070] Adopt the technical scheme provided in this embodiment, create personalized installment forms according to the designated customers, number of installments and installment amounts; use big data analysis to classify customers by risk, reason and other attributes, etc. Provide differentiated preferential pricing plans and personalized repayment plans for different types of customer groups. Use different interest and fee reduction strategies to promote customers' willingness to repay. Lock in customer risk labels, interest rates, etc. in advance through the appointment processing function; use the back-calculation function to predict the customer's supervision period, so as to formulate better installment plans for customers. Use real-time monitoring methods to provide real-time feedback on the performance of the customer's repayment plan, and notify the collectors in a more timely manner to take customer communication measures. Use different collection calibers to promote the customer's opening rate, improve the processing rate of personalized installments, and reduce non-performing assets.

[0071] In one embodiment, the present invention provides a collection system based on a customized collection form, see Figure 2 The structure diagram of a collection system based on a customized collection form provided by this embodiment is shown, and the system includes: a data division unit 10, a data analysis unit 20, a judgment unit 30, and an output unit 40; wherein,

[0072] Data division unit 10: used to create a personalized installment form according to the specified customer, number of installments and installment amount;

[0073] Data analysis unit 20: used to query the interface and obtain interest rate configuration after filling in the period number and customer group category;

[0074] Determination unit 30: used to determine whether the interest rate is 0;

[0075] The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required;

[0076] If the interest rate is not 0, calculate the interest for each period and the total interest for each installment;

[0077] Output unit 40: used to submit a form, displaying the final monthly interest rate, total rate, interest per period, total interest per installment, and annualized interest rate.

[0078] In a preferred embodiment, the system further comprises:

[0079] After filling in the period number and customer group category, querying the interface to obtain the interest rate configuration includes:

[0080] Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates;

[0081] If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

[0082] In a preferred embodiment, the system further comprises:

[0083] The calculation of interest per period and the total interest per period include:

[0084] Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap;

[0085] If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account;

[0086] Interest for each account = Fee cap * (account installment amount / total account installment amount)

[0087] Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result;

[0088] If the total interest of the installments does not exceed the fee cap, it will be returned directly.

[0089] In the scheme of this embodiment, a personalized installment form is created according to the designated customer, number of installments and installment amount; big data analysis is used to classify customers by risk, reason and other attributes. Differentiated preferential pricing plans and personalized repayment plans are provided for different types of customer groups. Different interest and fee reduction strategies are used to promote customers' willingness to repay. Customer risk labels, interest rates, etc. are locked in advance through the appointment processing function; the back-calculation function predicts the customer's supervision period, so as to facilitate the formulation of better installment plans for customers. Real-time monitoring means are used to provide real-time feedback on the performance of the customer's repayment plan, and the collectors are notified in a more timely manner to take customer communication measures. Different collection calibers are used to promote the customer's opening rate, improve the processing rate of personalized installments, and reduce non-performing assets.

[0090] The collection system based on customized collection forms of this embodiment is used to implement the aforementioned collection method based on customized collection forms. Therefore, the specific implementation method of the collection system based on customized collection forms can be seen in the specific implementation method of the collection method based on customized collection forms in the previous text. For example, the data partitioning unit 10 is used to implement step S1 in the above-mentioned collection method based on customized collection forms, and the data analysis unit 20 is used to implement step S2 in the above-mentioned collection method based on customized collection forms, etc. Therefore, its specific implementation method can refer to the description of the corresponding embodiments of each part. The system provided by the present invention is attached to the method provided by the present invention, and its specific effects can refer to the above-mentioned method, which will not be repeated here.

[0091] In one embodiment, a computing device is provided, comprising:

[0092] A memory for storing program instructions;

[0093] A processor is used to implement the steps of any of the above-mentioned collection methods based on customized collection forms when executing the computer program.

[0094] As an example, Figure 3 A schematic diagram of the structure of an electronic device applicable to the embodiment of the present application is shown. Figure 3As shown, the electronic device 2000 includes: a processor 2001 and a memory 2003. The processor 2001 and the memory 2003 are connected, such as through a bus 2002. Optionally, the electronic device 2000 may also include a transceiver 2004. It should be noted that in actual applications, the transceiver 2004 is not limited to one, and the structure of the electronic device 2000 does not constitute a limitation on the embodiments of the present application.

[0095] The processor 2001 is applied in the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 2004 may include a receiver and a transmitter. The transceiver 2004 is applied in the embodiment of the present application to implement the function of the electronic device of the embodiment of the present application communicating with other devices when executed.

[0096] Processor 2001 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 2001 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0097] The bus 2002 may include a path to transmit information between the above components. The bus 2002 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 2002 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0098] The memory 2003 can be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited to these.

[0099] Optionally, the memory 2003 is used to store application code for executing the solution of the present application, and the execution is controlled by the processor 2001. The processor 2001 is used to execute the application code stored in the memory 2003 to implement the investment and financing project recommendation method provided in any embodiment of the present application.

[0100] The electronic device provided in the embodiment of the present application is applicable to any embodiment of the above method and will not be described in detail here.

[0101] The collection method based on customized collection forms provided by the present invention has obvious advantages and beneficial effects compared with the prior art. It creates personalized installment forms according to designated customers, number of installments and installment amounts; uses big data analysis to classify customers by risk, reason and other attributes. Provide differentiated preferential pricing plans and personalized repayment plans for different types of customer groups. Use different interest and fee reduction strategies to promote customers' willingness to repay. Use the appointment function to lock in customer risk labels, interest rates, etc. in advance; use the back-calculation function to predict customer supervision periods, so as to facilitate the formulation of better installment plans for customers. Use real-time monitoring methods to provide real-time feedback on the performance of customers' repayment plans, and notify collectors in a more timely manner to take customer communication measures. Use different collection calibers to promote customers' opening rate, improve the handling rate of personalized installments, and reduce non-performing assets.

[0102] In one embodiment, a computer-readable storage medium is provided, including computer-readable instructions. When a computer reads and executes the computer-readable instructions, the steps of the above-mentioned collection method based on a customized collection form are implemented. Compared with the prior art, the collection method based on a customized collection form provided by the present invention has obvious advantages and beneficial effects. A personalized installment form is created according to the specified customer, the number of installments and the installment amount; and the customer is classified by risk, reason and other attributes by using big data analysis. Different preferential pricing schemes and personalized repayment plans are provided for different types of customer groups. Different interest and fee reduction strategies are used to promote the customer's willingness to repay. The customer risk label, interest rate, etc. are locked in advance through the appointment processing function; the back-calculation function predicts the customer supervision period, so as to facilitate the formulation of a better installment plan for the customer. Real-time monitoring means are used to provide real-time feedback on the performance of the customer's repayment plan, and the collector is notified more timely to take customer communication measures. Different collection calibers are used to promote the customer's opening rate, improve the handling rate of personalized installments, and reduce non-performing assets.

[0103] Through the description of the above implementation methods, technical personnel in the relevant field can understand that for the convenience and simplicity of description, only the division of the above-mentioned functional modules is used as an example. In actual applications, the above-mentioned functions can be assigned to different functional modules as needed, that is, the internal structure of the specific system can be divided into different functional modules to complete all or part of the functions described above.

[0104] Those of ordinary skill in the art will appreciate that the modules and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0105] In several embodiments covered by the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, or it can be an electrical, mechanical or other form of connection.

[0106] The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the embodiments of the present application.

[0107] In addition, each functional module in each embodiment of the present application can be implemented in the form of hardware or in the form of software functional modules. If these functional modules are implemented in the form of software functional modules and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application is essentially or part of the prior art that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a computer program product, which includes one or more computer instructions. When loading and executing computer program instructions on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer program product is stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium, for example, a computer instruction can be transmitted from a website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or a data center that includes one or more available media integrations. The available medium may be a magnetic medium (eg, a floppy disk, a hard disk, a magnetic tape), an optical medium (eg, a DVD), or a semiconductor medium (eg, a solid state disk (SSD)).

[0108] The above contents are merely examples and explanations of the structure of the present invention. The technicians in this technical field may make various modifications or additions to the specific embodiments described or replace them in a similar manner. As long as they do not deviate from the structure of the invention or exceed the scope defined by the claims, they should all fall within the protection scope of the present invention.

Claims

1. A collection method based on a customized collection form, characterized in that: include: Create personalized installment forms based on specified customers, number of installments and installment amounts; After filling in the period number and customer group category, query the interface to obtain the interest rate configuration and determine whether the interest rate is 0; The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required; If the interest rate is not 0, calculate the interest for each period and the total interest for each installment; Submit the form to display the final monthly interest rate, total rate, interest per period, total installment interest, and annualized interest rate.

2. The collection method based on customized collection form according to claim 1, characterized in that: After filling in the period number and customer group category, querying the interface to obtain the interest rate configuration includes: Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates; If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

3. The collection method based on customized collection form according to claim 1, characterized in that: The calculation of interest per period and the total interest per period include: Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap; If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account; Interest for each account = Fee cap * (account installment amount / total account installment amount) Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result; If the total interest of the installments does not exceed the fee cap, it will be returned directly.

4. The collection method based on customized collection form according to claim 1, characterized in that: After the form is submitted, the form data is verified, including: Configure whether the 0 interest rate is a special approval. If the configured interest rate is not a special approval, a pop-up box will be displayed on the page; if the configured interest rate is a special approval, the interest for each period will be saved; if the configured interest rate selects the 0 interest rate field indicator, the receivable interest rate and the actual interest rate will be recorded.

5. The collection method based on customized collection form according to claim 1, characterized in that: In the main page of debt collection, for customers who have not yet processed personalized installment payments, a trial calculation function is set up to calculate customer categories and differentiated pricing interest rates; an appointment can be made to lock in the user's interest rate and number of installments.

6. A collection system based on a customized collection form, characterized in that: The system comprises: a data division unit, a data analysis unit, a judgment unit, and an output unit; Data division unit: used to create personalized installment forms according to the specified customer, number of installments and installment amount; Data analysis unit: used to query the interface and obtain interest rate configuration after filling in the period number and customer group category; Judgment unit: used to judge whether the interest rate is 0; The interest rate is 0. If the interest rate is configured, select 0 interest rate front-end verification. If the interest rate is not configured, select 0 interest rate and no verification is required; If the interest rate is not 0, calculate the interest for each period and the total interest for each installment; Output unit: used to submit the form, display the final monthly interest rate, total rate, interest per period, total interest per installment, and annualized interest rate.

7. The collection system based on customized collection forms according to claim 6, characterized in that: After filling in the period number and customer group category, querying the interface to obtain the interest rate configuration includes: Set up the interest rate query interface, obtain the differentiated interest rate, and query whether the current personalized installment form is configured with differentiated interest rates; If the differentiated interest rate is configured, it will be returned directly; if the differentiated interest rate is not configured, the basic interest rate will be obtained and the basic pricing table will be queried for configuration and then returned.

8. The collection system based on customized collection forms according to claim 6, characterized in that: The calculation of interest per period and the total interest per period include: Set up the interest calculation interface to calculate the interest per period and the total interest per installment based on the account handling amount, number of installments, and initial monthly interest rate, and determine whether the total interest per installment exceeds the fee cap; If the total interest of the installments exceeds the fee cap, the fee cap will be allocated to each account; Interest for each account = Fee cap * (account installment amount / total account installment amount) Recalculate the final monthly interest rate, total rate, interest per period, total installment interest rate and annualized interest rate based on the fee cap and return the result; If the total interest of the installments does not exceed the fee cap, it will be returned directly.

9. A computing device, characterized in that include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the method according to any one of claims 1 to 5 according to the obtained program instructions.

10. A computer-readable storage medium, characterized in that: It includes computer-readable instructions. When a computer reads and executes the computer-readable instructions, it implements the method as claimed in any one of claims 1 to 5. There can be multiple readable media, and the multiple readable media can operate independently of each other.

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