Financial business outbound operation method and device, program product and electronic equipment

Abstract

The invention discloses an outbound operation method and device for financial businesses, a program product and electronic equipment, and relates to the field of financial science and technology or other related fields, and the outbound operation method comprises the steps: generating outbound data based on the business demand of each financial business, and generating the outbound data based on the contact customer type and the preset customer group; and determining a target customer group, associating the target customer group with the outbound identifier, generating an outbound file indicated by the outbound identifier based on the outbound information associated with each outbound identifier and the target customer group, and sending the outbound file to an outbound system. According to the method and the device, the technical problem of relatively low efficiency of outbound operation on financial services in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to an outbound call operation method for financial services, a device thereof, a program product, and an electronic device. Background Art

[0002] As competition in the financial industry intensifies, more and more financial institutions are using outbound phone calls as an effective recommendation tool to increase customer retention, boost product or service sales, and expand market share. Outbound phone calls are direct, fast, and flexible, helping financial institutions quickly reach potential customers and achieve targeted promotion of financial services.

[0003] In the related art, outbound calls are often made manually. It is necessary to directly determine the customer base based on the outbound call target, and then make manual outbound calls for each customer in the customer base. However, the above-mentioned manual outbound calls have the following problems: (1) The customer base directly determined based on the outbound call target is inaccurate, resulting in the inability to effectively promote financial services; (2) High labor costs: Manual outbound calls mainly rely on manual agents, which require a large amount of manpower investment, and as the business volume increases, the cost will continue to rise; (3) Low efficiency: The efficiency of manual outbound calls is relatively low. The agents need to spend a lot of time dialing, waiting for the call to be connected, and communicating with customers, resulting in low outbound call efficiency.

[0004] To the above problems, no effective solution has been proposed yet. Summary of the Invention

[0005] The embodiments of the present invention provide a method for operating an outbound call for a financial service, a device thereof, a program product, and an electronic device, so as to at least solve the technical problem of low efficiency in performing outbound call operations for a financial service in related technologies.

[0006] According to one aspect of an embodiment of the present invention, a method for an outbound call operation of a financial service is provided, comprising: generating outbound call data based on the business needs of each financial service, wherein the outbound call data includes at least: an outbound call identifier, outbound call information, a type of customer reached, and a preset customer group; determining a target customer group based on the type of customer reached and the preset customer group, and associating the target customer group with the outbound call identifier; generating an outbound call file indicated by the outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group; sending the outbound call file to an outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

[0007] Furthermore, based on the business needs of each financial business, the step of generating outbound call data includes: based on the business needs, determining the preset customer group and the type of customer to be reached, wherein the preset customer group includes: multiple preset customer numbers; based on the business needs, generating outbound call information, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call period, outbound call frequency; based on the preset customer group, the type of customer to be reached and the outbound call information, generating outbound call data for the financial business, and assigning an outbound call identifier to the outbound call data.

[0008] Furthermore, the customer contact types include: basic contact type, screening contact type, and the steps of determining the target customer group based on the customer contact type and the preset customer group include: when the customer contact type is the basic contact type, characterizing the preset customer group as the target customer group; when the customer contact type is the screening contact type, collecting a customer list, wherein the customer list includes: multiple customer numbers; performing intersection processing on the preset customer group and the customer list to determine the target customer group.

[0009] Furthermore, in the case where the customer contact type is a screening contact type, the step of collecting a customer list includes: determining a customer group generation type of the outbound call data, wherein the customer group generation types include: a list type and a script type; in the case where the customer group generation type is a list type, based on the outbound call identifier, obtaining a customer list from a preset database, and using the customer list as a customer list, wherein the customer list is a list pre-stored in the preset database; in the case where the customer group generation type is a script type, based on a preset script, collecting customer numbers from a preset database, and generating a customer list based on all collected customer numbers, wherein the preset script is a script generated based on financial services.

[0010] Furthermore, based on the outbound call information associated with each outbound call identifier and the target customer group, the step of generating an outbound call file indicated by the outbound call identifier includes: scanning a preset database to determine an incremental list, wherein the incremental list records customer numbers newly added within a preset time range; based on the incremental list and the target customer group, generating an outbound customer list, wherein the outbound customer list includes: multiple outbound customer records, each outbound customer record is associated with an outbound customer number; based on the outbound call text of the outbound call data, generating an outbound call voice for each outbound call customer record; based on all outbound customer records associated with outbound call voices, generating an outbound call file.

[0011] Furthermore, before sending the outbound call file to the outbound call system, it also includes: judging the policy type of the outbound call data; when the policy type is a preset policy, deleting the outbound customer record marked as the outbound call completion status from the outbound call file, wherein the outbound call completion status means that the outbound customer number indicated by the outbound call customer record is successfully called out or the number of outbound calls reaches a preset outbound call threshold.

[0012] Furthermore, after generating an outbound customer list based on the incremental list and the target customer group, it also includes: determining a preset field set based on the outbound call scenario of the outbound call data; based on each outbound customer number in the outbound customer list, querying the field value of each preset field in the preset field set from the preset database; for each outbound customer number, associating the outbound customer number with all field values ​​corresponding to the outbound customer number to generate a financial business list.

[0013] According to another aspect of an embodiment of the present invention, an outbound call operation device for a financial service is also provided, including: a first generating unit, for generating outbound call data based on the business needs of each financial service, wherein the outbound call data includes at least: an outbound call identifier, outbound call information, a type of customer reached, and a preset customer group; a determining unit, for determining a target customer group based on the type of customer reached and the preset customer group, and associating the target customer group with the outbound call identifier; a second generating unit, for generating an outbound call file indicated by the outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group; a sending unit, for sending the outbound call file to an outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

[0014] Furthermore, the first generation unit includes: a first determination module, used to determine the preset customer group and the type of customer to be reached based on business needs, wherein the preset customer group includes: multiple preset customer numbers; a first generation module, used to generate outbound call information based on business needs, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call period, and outbound call frequency; a second generation module, used to generate outbound call data for financial services based on the preset customer group, the type of customer to be reached, and the outbound call information, and assign an outbound call identifier to the outbound call data.

[0015] Furthermore, the customer contact types include: basic contact type and filtered contact type, and the determination unit includes: a first characterization module, which is used to characterize the preset customer group as the target customer group when the customer contact type is the basic contact type; a first collection module, which is used to collect the customer list when the customer contact type is the filtered contact type, wherein the customer list includes: multiple customer numbers; a second determination module, which is used to perform intersection processing on the preset customer group and the customer list to determine the target customer group.

[0016] Furthermore, the first collection module includes: a first determination submodule, used to determine the customer group generation type of the outbound call data, wherein the customer group generation type includes: a list type and a script type; a first acquisition submodule, used to obtain a customer list from a preset database based on the outbound call identifier when the customer group generation type is a list type, and use the customer list as a customer list, wherein the customer list is a list pre-stored in the preset database; the first collection submodule, used to collect customer numbers from a preset database based on a preset script when the customer group generation type is a script type, and generate a customer list based on all collected customer numbers, wherein the preset script is a script generated based on financial services.

[0017] Furthermore, the second generation unit includes: a third determination module, used to scan a preset database and determine an incremental list, wherein the incremental list records customer numbers added within a preset time range; a third generation module, used to generate an outbound customer list based on the incremental list and the target customer group, wherein the outbound customer list includes: multiple outbound customer records, each outbound customer record is associated with an outbound customer number; a fourth generation module, used to generate an outbound voice for each outbound customer record based on the outbound text of the outbound data; a fifth generation module, used to generate an outbound file based on all outbound customer records associated with outbound voices.

[0018] Furthermore, the outbound call operation device also includes: a first judgment module, which is used to judge the policy type of the outbound call data before sending the outbound call file to the outbound call system; a first deletion module, which is used to delete the outbound customer record marked as the outbound call completion status from the outbound call file when the policy type is a preset policy, wherein the outbound call completion status means that the outbound customer number indicated by the outbound call customer record is successfully called out or the number of times the outbound call is called reaches a preset outbound call threshold.

[0019] Furthermore, the outbound call operation device also includes: a fourth determination module, which is used to determine the preset field set based on the outbound call scenario of the outbound call data after generating the outbound customer list based on the incremental list and the target customer group; a first query module, which is used to query the field value of each preset field in the preset field set from the preset database based on each outbound customer number in the outbound customer list; and a first association module, which is used to associate the outbound customer number with all field values ​​corresponding to the outbound customer number for each outbound customer number to generate a financial service list.

[0020] According to another aspect of an embodiment of the present invention, a computer program product is also provided, including a non-volatile computer-readable storage medium, the non-volatile computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, implementing the outbound call operation method of any of the above-mentioned financial services.

[0021] According to another aspect of an embodiment of the present invention, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement the outbound call operation method of any one of the above-mentioned financial services.

[0022] In the present invention, outbound call data is generated based on the business needs of each financial business, the target customer group is determined based on the type of customer reached and the preset customer group, and the target customer group is associated with the outbound call identifier. Based on the outbound call information associated with each outbound call identifier and the target customer group, an outbound call file indicated by the outbound call identifier is generated, and the outbound call file is sent to the outbound call system, thereby solving the technical problem of low efficiency of outbound call operations for financial services in related technologies.

[0023] In the present invention, based on the preset customer groups and the types of customers reached contained in the outbound call data, the target customer groups can be accurately located, effectively improving the outbound call efficiency. Then, based on the outbound call information contained in the outbound call data and the determined target customer groups, an outbound call file used by the outbound call system can be generated to efficiently perform outbound call operations on the corresponding financial services, ensuring that the outbound call operations are in line with business logic and avoid invalid or repeated outbound call attempts, thereby improving the outbound call success rate and customer satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0025] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing an outbound call operation method for financial services is shown;

[0026] Figure 2 This is a flowchart of an outbound call operation method for a financial service according to embodiment 1 of the present invention;

[0027] Figure 3 is a schematic diagram of an optional outbound call operation device for a financial service according to an embodiment of the present invention;

[0028] Figure 4 is a structural block diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0030] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0031] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) collected and involved in the present invention are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse. For example, an interface is set up between this system and the relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or institution.

[0032] This invention flexibly configures outbound call parameters based on different financial business needs. Through intelligent analysis and processing, it ensures that outbound call operations comply with business logic while avoiding invalid or repeated outbound call attempts, thereby improving outbound call success rates and customer satisfaction. Furthermore, by automatically generating outbound call files and voice messages, manual intervention is reduced, lowering costs.

[0033] The present invention will be described in detail below with reference to various embodiments.

[0034] Example 1

[0035] According to an embodiment of the present application, an embodiment of an outbound call operation method for a financial service is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0036] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing an outbound call operation method for financial services is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera, wherein the network interface may be connected to a wired and / or wireless network. It will be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components than shown, or with Figure 1 Different configurations shown.

[0037] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuitry". The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuitry may be a single independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0038] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the outbound call operation method for financial services in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, implementing the outbound call operation method for financial services described above. The memory 104 may include a high-speed random access memory and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely located relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0039] The transmission device 106 is configured to receive or transmit data via a network. A specific example of the aforementioned network may include a wireless network provided by the communications provider of the computer terminal 10. In one embodiment, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to enable communication with the Internet. In another embodiment, the transmission device 106 may be a radio frequency (RF) module, which is configured to communicate with the Internet wirelessly.

[0040] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0041] Under the above operating environment, this application provides Figure 2 The outbound call operation method for financial services is shown. Figure 2 FIG. 1 is a flow chart of an outbound call operation method for a financial service according to Embodiment 1 of the present invention. Figure 2 As shown, the method includes the following steps:

[0042] Step S201: Generate outbound call data based on the business needs of each financial business, wherein the outbound call data at least includes: outbound call identification, outbound call information, contact customer type, and preset customer group.

[0043] In an embodiment of the present invention, specific data, namely "outbound call data," can be generated based on the business needs of different financial services. Business needs may arise from various financial activities, such as loan services or investment products. Each financial activity has different objectives and generates different needs.

[0044] In an embodiment of the present invention, an outbound call strategy can be generated based on outbound call data. Through the outbound call strategy, automatic outbound call operations can be performed on corresponding financial services to promote the financial services. Here, the outbound call data includes at least: an outbound call identifier, outbound call information, the type of customer reached, and a preset customer group, among which the outbound call identifier is a unique mark used to distinguish and identify different outbound call tasks; the outbound call information contains specific information that needs to be delivered to the customer during the outbound call process, such as product introductions, discount details, customer service representative contact information, etc.; the type of customer reached defines the method for screening the preset customer group; the preset customer group is a set of customers pre-set according to the needs of the financial service. This group of customers may be the group most likely to be interested in a specific service.

[0045] Step S202: Determine the target customer group based on the type of customer reached and the preset customer group, and associate the target customer group with the outbound call identifier.

[0046] In this embodiment of the present invention, based on the customer types reached and pre-defined customer groups, the customer groups most aligned with the outbound call service objectives, i.e., the "target customer groups," can be further analyzed and selected. The identified target customer groups are then associated with the previously defined outbound call identifiers. This allows for clear identification of which outbound call data corresponds to which customers in subsequent executions. This not only ensures the proper allocation of outbound call resources and avoids interrupting customers who are uninterested in or do not meet the requirements, but also facilitates tracking and evaluation of the effectiveness of outbound call activities, providing data support for future adjustments to outbound call strategies.

[0047] Step S203: generating an outbound call file indicated by the outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group.

[0048] In this embodiment of the present invention, based on the outbound call information and target customer groups associated with each outbound call ID, an outbound call file, such as an SQL (Structured Query Language) file, can be generated. This file contains all the details of the outbound call, including specific customer information (such as phone number and name), outbound call schedule, and outbound call limit. It serves as a set of instructions for the outbound call system to execute the outbound call task.

[0049] Step S204: Send the outbound call file to the outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

[0050] In this embodiment of the present invention, the generated outbound call files can be sent to the system responsible for outbound calls (i.e., the outbound call system). After receiving these files, the outbound call system will automatically make outbound calls according to the instructions in the files, dialing customers in the target customer base and conveying the corresponding outbound call information. Furthermore, the outbound call system can handle a large number of outbound call tasks while monitoring and recording the results of each outbound call, providing data support for subsequent strategy optimization and effectiveness evaluation.

[0051] In summary, based on the preset customer groups and the types of customers reached contained in the outbound call data, the target customer groups can be accurately located, effectively improving the outbound call efficiency. Then, based on the outbound call information contained in the outbound call data and the determined target customer groups, an outbound call file used by the outbound call system can be generated to efficiently perform outbound call operations on the corresponding financial services, ensuring that the outbound call operations are in line with business logic and avoid invalid or repeated outbound call attempts, thereby improving the outbound call success rate and customer satisfaction, and thus solving the technical problem of low efficiency of outbound call operations for financial services in related technologies.

[0052] In order to improve the accuracy of generating outbound call data, in the outbound call operation method for financial services provided in Example 1 of the present application, based on business needs, the preset customer group and the type of customer to be reached are determined, wherein the preset customer group includes: multiple preset customer numbers; based on business needs, outbound call information is generated, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call period, and outbound call frequency; based on the preset customer group, the type of customer to be reached, and the outbound call information, the outbound call data for the financial service is generated, and an outbound call identifier is assigned to the outbound call data.

[0053] In an embodiment of the present invention, corresponding customers (i.e., customers whose customer attribute information meets the business requirements) can be screened in the database according to each business requirement to obtain a preset customer group. The preset customer group includes multiple preset customer numbers, and the customer attribute information can be quickly located by the customer number.

[0054] In an embodiment of the present invention, the customer contact type of the filtered customer group can be determined according to each business demand. The customer contact types include: basic contact type and filtered contact type. The basic contact type refers to the type of pre-set customer group (i.e., outbound calls are made based on the pre-set customer group); the filtered contact type refers to the type of pre-set customer group that needs to be re-screened. For example, if the business demand requires customers aged 30-40 to perform business operations, since customers aged 30-40 do not change much in a short period of time, the basic contact type can be selected; if the business demand requires customers with birthdays on the same day to perform business operations, since customers with birthdays on the same day are constantly changing and cannot be accurately selected in advance, the filtered contact type can be selected.

[0055] In this embodiment of the present invention, outbound call information can be generated based on business needs. For example, for a repayment installment service promotion, the outbound call information may include: outbound call scenario: an introduction to the repayment installment discount; outbound call text: a personalized promotional message for customers aged 30 to 40; outbound call duration: setting the start and end time of the outbound call activity; and outbound call frequency: determining the number and interval of outbound calls to each customer within a specified period.

[0056] In this embodiment of the present invention, outbound call data for financial services is generated based on pre-set customer groups, customer types, and outbound call information. This outbound call data not only includes basic customer information for the pre-set customer groups but also integrates call details such as the call scenario, text, duration, and frequency. For example, for an installment repayment call, the call data would include the customer's name, phone number, repayment information, whether the payment meets the criteria for a high-value purchase, and the corresponding call scenario and text.

[0057] In this embodiment of the present invention, a unique outbound call ID is assigned to each outbound call data to manage and track each call. This ID uniquely identifies the outbound call data and serves as a key index in subsequent outbound call file generation and outbound call system operations, ensuring that each outbound call is accurately matched to the pre-set customer information and outbound call strategy.

[0058] In this embodiment, according to specific business needs, target customers can be located, outbound call strategies can be customized, and outbound call operations can be efficiently executed through an automated outbound call system, which not only improves the efficiency and effectiveness of outbound calls, reduces labor costs, but also improves customer experience and business success rate.

[0059] Optionally, the customer contact type includes: basic contact type and screening contact type. In order to improve the accuracy of determining the target customer group, in the outbound call operation method of the financial service provided in Example 1 of the present application, when the customer contact type is the basic contact type, the preset customer group is characterized as the target customer group; when the customer contact type is the screening contact type, a customer list is collected, wherein the customer list includes: multiple customer numbers; the preset customer group and the customer list are intersection-processed to determine the target customer group.

[0060] In this embodiment of the present invention, when the customer reach type is set to Basic, the pre-set customer group can be directly used as the target customer group for outbound calls. In this case, no additional screening process is required; customers in the pre-set customer group are directly used as the target customer group for outbound calls. For example, if the pre-set customer group consists of customers who recently made large transactions at a financial institution, then when the customer reach type is set to Basic, all of these high-value transaction customers will be included as the target customer group without further screening.

[0061] In an embodiment of the present invention, when the customer contact type is set to a screening contact type, the determination of the target customer group will become more refined and dynamic. First, it is necessary to collect a customer list, which includes: customer number, contact information, transaction records, etc. For example, assuming that an outbound call strategy for overdue repayment reminders is being designed, it is necessary to extract a list of overdue customers from the transaction system of a financial institution. Then, the preset customer group and the customer list are intersection processed, that is, customers who meet both the preset customer group conditions and the conditions in the customer list are found. Taking overdue repayment reminders as an example, the preset customer group is all users to be repaid, and the customer list is the customers who are currently overdue. Through intersection processing, the target customer group finally determined only includes those customers who both need to repay and have overdue repayments, thereby ensuring the accuracy and effectiveness of outbound calls.

[0062] In this embodiment, target customer groups can be flexibly determined based on different customer reach types (basic or filtered), ensuring precise positioning and efficient implementation of outbound call strategies. With the basic reach type, the outbound call process is simplified, quickly reaching the preset customer groups; while with the filtered reach type, refined screening ensures the relevance and effectiveness of outbound calls, avoids waste of resources, and improves the implementation efficiency of outbound call strategies and customer satisfaction.

[0063] In order to accurately collect the customer list, in the outbound call operation method for financial services provided in Example 1 of the present application, the customer group generation type of the outbound call data is determined, wherein the customer group generation type includes: list type and script type; in the case where the customer group generation type is a list type, based on the outbound call identifier, the customer list is obtained from the preset database, and the customer list is used as the customer list, wherein the customer list is a list pre-stored in the preset database; in the case where the customer group generation type is a script type, based on the preset script, the customer number is collected from the preset database, and based on all the collected customer numbers, a customer list is generated, wherein the preset script is a script generated based on the financial service.

[0064] In an embodiment of the present invention, the customer group generation type can be determined based on the needs of the financial business. This type can be a list type or a script type. The list type refers to generating a customer list using a known, pre-stored customer list; the script type refers to dynamically generating a customer list by executing a specific query script.

[0065] In an embodiment of the present invention, when a list type is determined as the method for generating customer groups, a corresponding customer list can be retrieved from a pre-set database based on each outbound call identifier. Here, the pre-set database can be a database used by a financial institution to store customer information, with customer lists pre-screened based on specific criteria and stored in the database. For example, if a financial institution plans to recommend financial products to customers who have recently made large deposits, a list of this customer group will be pre-entered into the pre-set database. This customer list will then be used as the customer inventory for subsequent outbound call processing.

[0066] In this embodiment of the present invention, if you select the script type as the customer segment generation method, you can use a preset script to capture eligible customer numbers from a preset database in real time. A preset script is an SQL query statement customized according to the specific needs of the financial business, used to filter customers meeting specific criteria from the database. For example, if you want to find all customers between the ages of 30 and 45 who have a history of overdue loan payments in the past three months, you can write a corresponding SQL script to accomplish this task. After executing the script, it will return all eligible customer numbers, based on which a customer list is generated.

[0067] In this embodiment, accurate customer lists can be generated based on business needs and policy flexibility to guide outbound call operations. Using the list type allows for quick targeting of known, specific customer groups, making it suitable for situations where a clear target customer base is already in place. This is simple and fast, reducing data processing time. Using the script type, on the other hand, is suitable for situations requiring dynamic customer screening. Customer groups can be updated based on the latest data, ensuring real-time and accurate outbound call targeting.

[0068] In order to improve the accuracy of generating outbound call files, in the outbound call operation method for financial services provided in Example 1 of the present application, a preset database is scanned to determine an incremental list, wherein the incremental list records customer numbers newly added within a preset time range; based on the incremental list and the target customer group, an outbound customer list is generated, wherein the outbound customer list includes: multiple outbound customer records, each outbound customer record is associated with an outbound customer number; based on the outbound call text of the outbound call data, an outbound call voice is generated for each outbound call customer record; based on all outbound customer records associated with outbound call voices, an outbound call file is generated.

[0069] In an embodiment of the present invention, since some customer groups may be newly added every day, for example, the customer group with birthdays from March to April 2024 may have new customers added every day, therefore, before making an outbound call each time, the preset database can be scanned to determine the customer numbers newly added within the preset time range to obtain an incremental list. Then, the incremental list is compared with the target customer group determined previously to generate the final outbound customer list. In this process, it may be found that some customers in the incremental list are actually already included in the target customer group, or there may be new customers who meet the conditions of the outbound call strategy. Ultimately, the outbound customer list will include multiple outbound customer records, each record is associated with a specific outbound customer number, thus ensuring that subsequent outbound calls can cover all new and eligible customers.

[0070] In an embodiment of the present invention, a corresponding outbound voice is generated for each outbound customer record based on the outbound call text contained in the outbound call data. The outbound call text may include a series of outbound call phrases, such as the opening greeting, product introduction, inquiry intention, and closing thank you. It is a core part of the outbound call strategy and directly affects the effectiveness of the outbound call. Using speech synthesis technology, these texts are converted into natural and fluent voice clips, which not only reduces labor costs but also ensures the consistency and standardization of outbound calls. Subsequently, all outbound customer records associated with outbound voice are integrated to generate an outbound call file. This file contains all outbound call operation information, such as customer number, outbound call time, outbound call frequency, etc., and serves as a direct instruction for the outbound call system to execute outbound call tasks. The outbound call file can then be sent to the outbound call system, which automatically performs outbound call operations according to the instructions in the file, eliminating the need for human agents to make individual calls, thereby improving the efficiency and standardization of outbound calls.

[0071] This embodiment achieves automated and intelligent upgrades to outbound call strategies. First, by scanning the database to determine incremental lists, the outbound call strategy can promptly respond to changes and new customer needs. Second, the process of generating outbound customer lists and outbound call voices improves the standardization of outbound calls and the customer experience, while also reducing the involvement of human agents and labor costs. Finally, by generating and sending outbound call files to the outbound call system, outbound call operations are automated, improving overall outbound call efficiency.

[0072] In order to realize normalized outbound calls to customers, in the outbound call operation method for financial services provided in Example 1 of the present application, before sending the outbound call file to the outbound call system, the policy type of the outbound call data is judged; when the policy type is a preset policy, the outbound customer record marked as the outbound call completion status is deleted from the outbound call file, wherein the outbound call completion status means that the outbound customer number indicated by the outbound call customer record is successfully called out or the number of outbound calls reaches the preset outbound call threshold.

[0073] In an embodiment of the present invention, before processing outbound call data, the policy type of the outbound call data can be determined. The policy type can be either event-based (i.e., a type that ends after a one-time outbound call) or normalized (i.e., a preset policy, a type of outbound call executed periodically, for example, once a week or once a month). If the policy type is a preset policy, the outbound call records in the outbound call file can be checked for status. For example, the outbound call file can be scanned for records marked as outbound call completed. Outbound call completed status means that the outbound customer number indicated in the outbound call customer record has been successfully called, or the number of outbound calls has reached a preset outbound call threshold. The preset outbound call threshold is set based on business needs and is used to limit the maximum number of outbound calls to an outbound customer number to avoid excessively disturbing the customer. For example, the threshold can be set to 3 times. If a customer's outbound call record shows that the outbound call has been called three times without success, the customer is marked as outbound call completed, and no further outbound calls will be made. Records that have reached the preset outbound call threshold or have successfully made outbound calls are deleted from the outbound call file. In this way, the dynamic update of outbound call files is ensured, and repeated outbound calls to customers whose outbound calls have been completed are avoided, thereby improving outbound call efficiency, reducing disturbances to customers, and improving customer satisfaction.

[0074] In this embodiment, outbound call files can be dynamically managed and updated according to preset policies, ensuring efficient outbound operations and an optimized customer experience. This not only avoids repeated operations for already completed outbound calls, but also allows outbound call strategies to be adjusted based on business needs and outbound call results, improving the accuracy and success rate of outbound calls while also balancing cost control and increased customer satisfaction.

[0075] In order to accurately generate a financial service list, in the outbound call operation method for financial services provided in Example 1 of the present application, after generating an outbound customer list based on the incremental list and the target customer group, a preset field set is determined based on the outbound call scenario of the outbound call data; based on each outbound customer number in the outbound customer list, the field value of each preset field in the preset field set is queried from the preset database; for each outbound customer number, the outbound customer number is associated with all field values ​​corresponding to the outbound customer number to generate a financial service list.

[0076] In an embodiment of the present invention, a preset field set can be determined based on the outbound call scenario in the outbound call data. Outbound call scenarios can be diverse, such as overdue reminders, financial product recommendations, or customer satisfaction surveys, and each outbound call scenario requires different feedback information (i.e., a list of financial services). The preset field set is a group of fields pre-defined to meet the needs of a specific outbound call scenario, and contains information that needs to be fed back to the business system, such as the customer's basic information and the date of the most recent transaction.

[0077] In this embodiment of the present invention, for each outbound customer number in the outbound customer list, the field value of each field in the preset field set is queried from the preset database to obtain all necessary information associated with the outbound customer number. For example, when processing an outbound call for an overdue reminder, it is necessary to query the preset database for information such as the number of days overdue and the most recent payment amount for feedback to the business system.

[0078] In this embodiment of the present invention, for each outbound customer number in the outbound customer list, the number is associated with all relevant field values ​​found in the query to generate a financial service list. This financial service list can then be fed back to the business system to facilitate subsequent data analysis.

[0079] In this embodiment, a corresponding financial business list can be fed back to the business system based on the outbound call scenario, so that the business system can perform data analysis, formulate business promotion plans, etc.

[0080] The outbound call operation method for financial services provided in the embodiment of the present application can accurately locate the target customer group based on the preset customer group and the type of customer reached contained in the outbound call data, effectively improve the outbound call efficiency, and then generate an outbound call file used by the outbound call system based on the outbound call information contained in the outbound call data and the determined target customer group, so as to efficiently perform outbound call operations on the corresponding financial services, ensuring that the outbound call operations are in line with the business logic and avoid invalid or repeated outbound call attempts, thereby improving the outbound call success rate and customer satisfaction, and thus solving the technical problem of low efficiency of outbound call operations for financial services in related technologies.

[0081] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0082] Example 2

[0083] The embodiment of the present application also provides an outbound call operation device for financial services. It should be noted that the outbound call operation device for financial services in the embodiment of the present application can be used to execute the outbound call operation method for financial services provided in the embodiment of the present application. The following introduces the outbound call operation device for financial services provided in the embodiment of the present application.

[0084] According to an embodiment of the present application, a device for implementing the above-mentioned outbound call operation method for financial services is also provided. Figure 3 FIG. 1 is a schematic diagram of an optional outbound call operation device for a financial service according to an embodiment of the present invention. Figure 3As shown, the outbound call operation device may include: a first generating unit 30 , a determining unit 31 , a second generating unit 32 , and a sending unit 33 .

[0085] The first generating unit 30 is configured to generate outbound call data based on the business requirements of each financial business, wherein the outbound call data includes at least: an outbound call identifier, outbound call information, a contact customer type, and a preset customer group;

[0086] A determination unit 31 is configured to determine a target customer group based on the type of contacted customers and the preset customer group, and associate the target customer group with an outbound call identifier;

[0087] The second generating unit 32 is configured to generate an outbound call file indicated by the outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group;

[0088] The sending unit 33 is configured to send the outbound call file to the outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

[0089] The outbound call operation device for financial services provided in the embodiment of the present application can accurately locate the target customer group based on the preset customer group and the type of customer reached contained in the outbound call data, effectively improve the outbound call efficiency, and then generate an outbound call file used by the outbound call system based on the outbound call information contained in the outbound call data and the determined target customer group, so as to efficiently perform outbound call operations on the corresponding financial services, ensuring that the outbound call operations are in line with the business logic and avoid invalid or repeated outbound call attempts, thereby improving the outbound call success rate and customer satisfaction, and thus solving the technical problem of low efficiency of outbound call operations for financial services in related technologies.

[0090] Optionally, the first generation unit includes: a first determination module, used to determine the preset customer group and the type of customer to be reached based on business needs, wherein the preset customer group includes: multiple preset customer numbers; a first generation module, used to generate outbound call information based on business needs, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call period, and outbound call frequency; a second generation module, used to generate outbound call data for financial services based on the preset customer group, the type of customer to be reached, and the outbound call information, and assign an outbound call identifier to the outbound call data.

[0091] Optionally, the customer contact type includes: basic contact type and filtered contact type, and the determination unit includes: a first characterization module, used to characterize the preset customer group as the target customer group when the customer contact type is the basic contact type; a first collection module, used to collect the customer list when the customer contact type is the filtered contact type, wherein the customer list includes: multiple customer numbers; a second determination module, used to perform intersection processing on the preset customer group and the customer list to determine the target customer group.

[0092] Optionally, the first collection module includes: a first determination submodule, used to determine the customer group generation type of the outbound call data, wherein the customer group generation type includes: a list type and a script type; a first acquisition submodule, used to obtain a customer list from a preset database based on the outbound call identifier when the customer group generation type is a list type, and use the customer list as a customer list, wherein the customer list is a list pre-stored in the preset database; the first collection submodule, used to collect customer numbers from a preset database based on a preset script when the customer group generation type is a script type, and generate a customer list based on all collected customer numbers, wherein the preset script is a script generated based on financial services.

[0093] Optionally, the second generation unit includes: a third determination module, used to scan a preset database and determine an incremental list, wherein the incremental list records customer numbers added within a preset time range; a third generation module, used to generate an outbound customer list based on the incremental list and the target customer group, wherein the outbound customer list includes: multiple outbound customer records, each outbound customer record is associated with an outbound customer number; a fourth generation module, used to generate an outbound voice for each outbound customer record based on the outbound text of the outbound data; a fifth generation module, used to generate an outbound file based on all outbound customer records associated with outbound voices.

[0094] Optionally, the outbound call operation device also includes: a first judgment module, used to judge the policy type of the outbound call data before sending the outbound call file to the outbound call system; a first deletion module, used to delete the outbound customer record marked as the outbound call completion status from the outbound call file when the policy type is a preset policy, wherein the outbound call completion status means that the outbound customer number indicated by the outbound call customer record is successfully called out or the number of times the outbound call is called reaches a preset outbound call threshold.

[0095] Optionally, the outbound call operation device also includes: a fourth determination module, which is used to determine a preset field set based on the outbound call scenario of the outbound call data after generating an outbound customer list based on the incremental list and the target customer group; a first query module, which is used to query the field value of each preset field in the preset field set from the preset database based on each outbound customer number in the outbound customer list; and a first association module, which is used to associate the outbound customer number with all field values ​​corresponding to the outbound customer number for each outbound customer number to generate a financial service list.

[0096] The above-mentioned outbound call operation device can also include a processor and a memory. The above-mentioned first generation unit 30, determination unit 31, second generation unit 32, sending unit 33, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize the corresponding functions.

[0097] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the outbound call file can be sent to the outbound call system by adjusting the kernel parameters.

[0098] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0099] It should be noted that the first generating unit 30, determining unit 31, second generating unit 32, and sending unit 33 described above correspond to steps S201 to S204 in Example 1. The examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in Example 1. It should be noted that the above units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above units can also be part of a device and can be run in the computer terminal 10 provided in Example 1.

[0100] Example 3

[0101] An embodiment of the present application may provide an electronic device, Figure 4 FIG. 1 is a structural block diagram of an electronic device according to an embodiment of the present invention. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 Only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0102] Among them, the memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the outbound call operation method and device for financial services in the embodiments of the present application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the outbound call operation method for the above-mentioned financial services. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely located relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0103] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: According to one aspect of an embodiment of the present invention, a method for an outbound call operation of a financial service is provided, including: generating outbound call data based on the business needs of each financial service, wherein the outbound call data includes at least: an outbound call identifier, outbound call information, a type of customer reached, and a preset customer group; based on the type of customer reached and the preset customer group, determining the target customer group, and associating the target customer group with the outbound call identifier; based on the outbound call information associated with each outbound call identifier and the target customer group, generating an outbound call file indicated by the outbound call identifier; sending the outbound call file to the outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

[0104] The processor can call the information and application programs stored in the memory through the transmission device to perform the following steps: based on business needs, determine the preset customer group and the type of customer to be reached, wherein the preset customer group includes: multiple preset customer numbers; based on business needs, generate outbound call information, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call period, outbound call frequency; based on the preset customer group, the type of customer to be reached and the outbound call information, generate outbound call data for financial services, and assign an outbound call identifier to the outbound call data.

[0105] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: when the customer contact type is the basic contact type, the preset customer group is characterized as the target customer group; when the customer contact type is the screening contact type, a customer list is collected, wherein the customer list includes: multiple customer numbers; intersection processing is performed on the preset customer group and the customer list to determine the target customer group.

[0106] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the customer group generation type of the outbound call data, wherein the customer group generation type includes: list type, script type; when the customer group generation type is a list type, based on the outbound call identifier, obtain the customer list from the preset database, and use the customer list as the customer list, wherein the customer list is a list pre-stored in the preset database; when the customer group generation type is a script type, based on the preset script, collect customer numbers from the preset database, and generate a customer list based on all collected customer numbers, wherein the preset script is a script generated based on financial services.

[0107] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: scan the preset database to determine the incremental list, wherein the incremental list records the customer numbers added within the preset time range; based on the incremental list and the target customer group, generate an outbound customer list, wherein the outbound customer list includes: multiple outbound customer records, each outbound customer record is associated with an outbound customer number; based on the outbound text of the outbound data, generate an outbound voice for each outbound customer record; based on all outbound customer records associated with outbound voices, generate an outbound file.

[0108] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the policy type of the outbound call data; when the policy type is a preset policy, delete the outbound customer record marked as the outbound call completion status from the outbound call file, wherein the outbound call completion status means that the outbound customer number indicated by the outbound customer record is successfully called out or the number of outbound calls reaches a preset outbound call threshold.

[0109] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: determine the preset field set based on the outbound call scenario of the outbound call data; based on each outbound customer number in the outbound customer list, query the field value of each preset field in the preset field set from the preset database; for each outbound customer number, associate the outbound customer number with all field values ​​corresponding to the outbound customer number to generate a financial service list.

[0110] An embodiment of the present application provides an outbound call operation solution for financial services. By accurately locating the target customer group and the type of customer reached based on the outbound call data, the outbound call efficiency can be effectively improved. Then, based on the outbound call information contained in the outbound call data and the determined target customer group, an outbound call file used by the outbound call system can be generated to efficiently perform outbound call operations for the corresponding financial services. This ensures that the outbound call operations are consistent with business logic and avoids invalid or repeated outbound call attempts, thereby improving the outbound call success rate and customer satisfaction, and thus solving the technical problem of low efficiency in outbound call operations for financial services in related technologies.

[0111] It can be understood by those skilled in the art that Figure 4 The structure shown is for illustration only, and the electronic device may also be a terminal device such as a smart phone, a tablet computer, a PDA, or a mobile Internet device (MID). Figure 4 It does not limit the structure of the above electronic device. For example, the electronic device may also include Figure 4 More or fewer components (such as network interfaces, display devices, etc.) shown in, or with Figure 4 Different configurations shown.

[0112] A person skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0113] Example 4

[0114] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the outbound call operation method for financial services provided in the first embodiment.

[0115] Optionally, in this embodiment, the storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0116] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of the outbound call operation method for financial services.

[0117] The serial numbers of the above embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0118] In the above embodiments of the present application, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0119] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0120] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.

[0121] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0122] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0123] The above is only a preferred embodiment of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for operating an outbound call for a financial service, characterized in that: include: Generate outbound call data based on the business needs of each financial business, wherein the outbound call data includes at least: outbound call identification, outbound call information, contact customer type, and preset customer group; Determine a target customer group based on the contacted customer type and the preset customer group, and associate the target customer group with the outbound call identifier; generating an outbound call file indicated by each outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group; The outbound call file is sent to an outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

2. The outbound call operation method according to claim 1, characterized in that: Based on the business needs of each financial business, the steps for generating outbound call data include: Based on business needs, determining the preset customer group and the contact customer type, wherein the preset customer group includes: multiple preset customer numbers; Generate the outbound call information based on business needs, wherein the outbound call information includes at least: outbound call scenario, outbound call text, outbound call deadline, and outbound call frequency; Based on the preset customer group, the type of customer reached and the outbound call information, the outbound call data of the financial business is generated, and the outbound call identifier is assigned to the outbound call data.

3. The outbound call operation method according to claim 1, characterized in that: The customer types reached include: basic reach types and screened reach types. Based on the customer types reached and the preset customer groups, the step of determining the target customer group includes: In a case where the contacted customer type is the basic contact type, characterizing the preset customer group as the target customer group; In a case where the contact customer type is the screening contact type, a customer list is collected, wherein the customer list includes: a plurality of customer numbers; Intersection processing is performed on the preset customer group and the customer list to determine the target customer group.

4. The outbound call operation method according to claim 3, characterized in that: In the case where the contacted customer type is the screened contact type, the step of collecting a customer list includes: Determining a customer group generation type of the outbound call data, wherein the customer group generation type includes: a list type and a script type; In the case where the customer group generation type is the list type, based on the outbound call identifier, a customer list is obtained from a preset database, and the customer list is used as the customer list, wherein the customer list is a list pre-stored in the preset database; In the case where the customer group generation type is the script type, customer numbers are collected from the preset database based on a preset script, and the customer list is generated based on all the collected customer numbers, wherein the preset script is a script generated based on financial services.

5. The outbound call operation method according to claim 1, characterized in that: The step of generating an outbound call file indicated by each outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group includes: Scanning a preset database to determine an incremental list, wherein the incremental list records customer numbers that are newly added within a preset time range; Based on the incremental list and the target customer group, an outbound customer list is generated, wherein the outbound customer list includes: a plurality of outbound customer records, each of the outbound customer records is associated with an outbound customer number; generating an outbound call voice for each outbound call customer record based on the outbound call text of the outbound call data; The outbound call file is generated based on all the outbound call customer records associated with the outbound call voice.

6. The outbound call operation method according to claim 5, characterized in that: Before sending the outbound call file to the outbound call system, the method further includes: Determining a policy type of the outbound call data; In the case where the policy type is a preset policy, the outbound customer record marked as being in an outbound call completion status will be deleted from the outbound call file, wherein the outbound call completion status means that the outbound customer number indicated by the outbound customer record has been successfully called out or the number of times the outbound call has been called has reached a preset outbound call threshold.

7. The outbound call operation method according to claim 5, characterized in that: After generating an outbound customer list based on the incremental list and the target customer group, the method further includes: Determining a preset field set based on an outbound call scenario of the outbound call data; Based on each outbound customer number in the outbound customer list, querying a preset database for a field value of each preset field in the preset field set; For each outbound customer number, the outbound customer number is associated with all the field values ​​corresponding to the outbound customer number to generate a financial service list.

8. An outbound call operation device for financial services, characterized in that: include: A first generating unit is configured to generate outbound call data based on the business requirements of each financial business, wherein the outbound call data includes at least: an outbound call identifier, outbound call information, a contact customer type, and a preset customer group; a determining unit, configured to determine a target customer group based on the contacted customer type and the preset customer group, and associate the target customer group with the outbound call identifier; A second generating unit is configured to generate an outbound call file indicated by each outbound call identifier based on the outbound call information associated with each outbound call identifier and the target customer group; The sending unit is configured to send the outbound call file to an outbound call system, wherein the outbound call system performs an outbound call operation on the financial service corresponding to the outbound call file based on the outbound call file.

9. A computer program product, characterized in that The invention comprises a non-volatile computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the outbound call operation method for a financial service according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the outbound call operation method for financial services as described in any one of claims 1 to 7.

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