Method and device for generating overdue loan processing task, and electronic device

Abstract

This invention discloses a method, apparatus, and electronic device for generating overdue loan processing tasks, relating to the fields of financial technology or other related technical fields. The method includes: configuring an overdue user list for overdue processing personnel based on their geographic location information and that of overdue users; updating the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel; planning overdue processing routes based on the overdue user list; generating overdue loan processing tasks based on the overdue user list, the loan business information of the overdue users in the list, and the route planning results; and recording the overdue loan processing tasks in the overdue processing personnel's mapping software. This invention solves the technical problem of low efficiency in related technologies where financial institutions randomly issue overdue processing tasks and overdue processing personnel plan them independently.

Description

Technical Field

[0001] This invention relates to the field of financial technology or other related technical fields. Specifically, it relates to a method, apparatus, and electronic device for generating overdue loan processing tasks. Background Technology

[0002] In the current financial environment, overdue loan processing is a crucial step, directly impacting financial institutions' capital recovery and risk control. With the rapid development of internet and mobile technologies, crowdsourcing models are increasingly being applied to overdue loan processing to improve efficiency and expand coverage. Crowdsourcing enhances the effectiveness of overdue loan processing by distributing tasks to geographically dispersed personnel, leveraging their familiarity with local environments and their flexibility.

[0003] In related technologies, financial institutions use a method of randomly assigning tasks to send information about overdue payment targets to the terminals of overdue payment processing personnel, who then handle the overdue payments independently. This method is inefficient and prone to problems such as untimely uploading of overdue processing data.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

[0005] This invention provides a method, apparatus, and electronic device for generating overdue loan processing tasks, to at least solve the technical problem of low efficiency in overdue processing in related technologies where financial institutions randomly issue overdue processing tasks and overdue processing personnel plan them independently.

[0006] According to one aspect of the present invention, a method for generating overdue loan processing tasks is provided, comprising: acquiring the geographical location information and loan business information of overdue users, and acquiring the geographical location information and historical overdue processing data of overdue processing personnel, wherein the overdue users are loan overdue users, and the overdue processing personnel are personnel who handle overdue payments for the overdue users; configuring an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users; updating the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel to obtain an updated overdue user list; performing overdue processing path planning based on the overdue user list; generating an overdue loan processing task based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning result; and recording the overdue loan processing task in the mapping software of the overdue processing personnel.

[0007] Furthermore, the step of configuring an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users includes: for each overdue processing personnel, calculating the maximum overdue processing range of the overdue processing personnel; obtaining all the overdue users within the maximum overdue processing range, and generating the overdue user list for the overdue processing personnel based on all the overdue users within the maximum overdue processing range.

[0008] Furthermore, the step of updating the list of overdue users based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel includes: configuring a first priority tag for the overdue users based on the loan business information of the overdue users; configuring a second priority tag for the overdue processing personnel based on the historical overdue processing data of the overdue processing personnel; if the first priority tag of the overdue user and the second priority tag of the overdue processing personnel do not match, determining that the overdue user does not match the overdue processing personnel, and deleting the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0009] Furthermore, the step of planning overdue processing paths based on the overdue user list includes: obtaining the initial location coordinates of the overdue processing personnel and the location coordinates of each overdue user in the overdue user list; inputting the initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users into the path planning model; and outputting the overdue processing path with the minimum total overdue processing time through the path planning model, wherein the path planning model is a machine learning model for path planning pre-built based on a local search algorithm.

[0010] Furthermore, the step of recording the overdue loan processing task in the map software of the overdue processing personnel includes: creating entity markers in the map software based on the location coordinates of the overdue users; and for each entity marker in the map software, using augmented reality technology to render the overdue loan processing task onto the display interface corresponding to the entity marker.

[0011] Furthermore, after recording the overdue loan processing task into the map software of the overdue processing personnel, the method further includes: receiving status information and progress information uploaded by the overdue loan processing personnel during the execution of the overdue loan processing task; recording the status information and progress information into the map software; and adjusting the overdue loan processing task based on the status information and progress information.

[0012] Furthermore, after recording the overdue loan processing task into the map software of the overdue processing personnel, the method further includes: obtaining feedback information from the overdue loan processing personnel on the execution of the overdue loan processing task; encrypting the feedback information and sending it to the loan business terminal.

[0013] According to another aspect of the present invention, an apparatus for generating overdue loan processing tasks is also provided, comprising: an acquisition unit, configured to acquire the geographical location information and loan business information of overdue users, and acquire the geographical location information and historical overdue processing data of overdue processing personnel, wherein the overdue users are loan overdue users, and the overdue processing personnel are personnel who perform overdue processing on the overdue users; a configuration unit, configured to configure an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users; an update unit, configured to update the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel, to obtain an updated overdue user list; and a generation unit, configured to perform overdue processing path planning based on the overdue user list, generate an overdue loan processing task based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning result, and record the overdue loan processing task in the map software of the overdue processing personnel.

[0014] Furthermore, the configuration unit includes: a first calculation module, used to calculate the maximum overdue processing range for each overdue processing personnel; and a first generation module, used to obtain all overdue users within the maximum overdue processing range, and generate the overdue user list for the overdue processing personnel based on all overdue users within the maximum overdue processing range.

[0015] Further, the updating unit includes: a first configuration module, configured to configure a first priority tag for the overdue user based on the loan business information of the overdue user; a second configuration module, configured to configure a second priority tag for the overdue processing personnel based on the historical overdue processing data of the overdue processing personnel; and a first deletion module, configured to determine that the overdue user and the overdue processing personnel do not match when the first priority tag of the overdue user and the second priority tag of the overdue processing personnel do not match, and to delete the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0016] Further, the generation unit includes: a first acquisition module, used to acquire the initial location coordinates of the overdue processing personnel and the location coordinates of each overdue user in the overdue user list; and a first planning module, used to input the initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users into a path planning model, and output the overdue processing path with the minimum total overdue processing time through the path planning model, wherein the path planning model is a machine learning model for path planning pre-built based on a local search algorithm.

[0017] Furthermore, the generation unit also includes: a first creation module, used to create entity markers in the map software based on the location coordinates of the overdue user; and a first rendering module, used to render the overdue loan processing task to the display interface corresponding to the entity marker using augmented reality technology for each entity marker in the map software.

[0018] Furthermore, the device for generating the overdue loan processing task further includes: a first receiving module, used to receive status information and progress information uploaded by the overdue processing personnel during the execution of the overdue loan processing task; and a first adjustment module, used to record the status information and progress information to the map software, and adjust the overdue loan processing task based on the status information and progress information.

[0019] Furthermore, the device for generating overdue loan processing tasks further includes: a second acquisition module, used to acquire feedback information from the overdue loan processing personnel performing the overdue loan processing task; and a first sending module, used to encrypt the feedback information and send it to the loan business terminal.

[0020] According to another aspect of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored computer program, wherein, when the computer program is executed, it controls the device where the computer-readable storage medium is located to perform any of the above-described methods for generating overdue loan processing tasks.

[0021] According to another aspect of the present invention, an electronic device is also provided, including one or more processors and a memory, the memory being 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 cause the one or more processors to implement any of the above-described methods for generating overdue loan processing tasks.

[0022] According to another aspect of the present invention, a computer program product is also provided, the computer program product comprising a computer program, wherein the computer program, when executed by a processor, implements any of the above-described methods for generating overdue loan processing tasks.

[0023] In this application, the following steps are taken: obtaining the geographical location information and loan business information of overdue users, and obtaining the geographical location information and historical overdue processing data of overdue processing personnel. Overdue users are those with overdue loans, and overdue processing personnel are those who handle overdue payments. An overdue user list is configured for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the overdue users. The overdue user list is updated based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel, resulting in an updated overdue user list. Overdue processing path planning is performed based on the overdue user list. An overdue loan processing task is generated based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning results. The overdue loan processing task is recorded in the overdue processing personnel's map software.

[0024] This application rationally plans and delineates the maximum responsibility area based on the geographical location of overdue users and overdue processing personnel. Based on this, an overdue user list is configured for the overdue processing personnel, ensuring that the geographical locations of the overdue users assigned to them do not exceed a preset range, reducing the time cost of overdue processing. Simultaneously, priority matching is performed between overdue processing personnel and overdue users based on the loan information of overdue users and the historical overdue processing data of the personnel, thereby updating the overdue user list. This ensures that the overdue processing tasks assigned to the personnel are within their capabilities, improving the success rate of overdue processing. Furthermore, based on the updated overdue user list, route planning is performed for the overdue processing personnel to generate overdue loan processing tasks, achieving rational route planning, reducing ineffective work, and improving overdue processing efficiency. This solves the technical problem of low overdue processing efficiency in related technologies where financial institutions randomly assign overdue processing tasks and overdue processing personnel plan independently. Attached Figure Description

[0025] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this application, illustrate exemplary embodiments of the invention and, together with their description, serve to explain the invention and do not constitute an undue limitation thereof. In the drawings:

[0026] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for generating a method to implement overdue loan processing tasks is shown.

[0027] Figure 2 This is a flowchart of an optional method for generating overdue loan processing tasks according to an embodiment of the present invention;

[0028] Figure 3This is a schematic diagram of an optional overdue loan processing task generation process according to an embodiment of the present invention;

[0029] Figure 4 This is a schematic diagram of an optional overdue loan processing task generation device according to an embodiment of the present invention;

[0030] Figure 5 This is a hardware structure block diagram of an electronic device (or mobile device) that performs an optional method for generating overdue loan processing tasks according to an embodiment of the present invention. Detailed Implementation

[0031] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0032] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0033] It should be noted that the method and apparatus for generating overdue loan processing tasks in this application can be used in the field of fintech to generate overdue loan processing tasks, and can also be used in any field other than fintech to generate overdue loan processing tasks. This application does not limit the application field of the method and apparatus for generating overdue loan processing tasks.

[0034] It should be noted that the information collected in this application (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display, data used for analysis, etc.) are information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of this data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding access points are provided for users to choose to authorize or refuse. For example, interfaces are set up between this system and relevant users or organizations, providing users with corresponding access points to choose to agree to or refuse automated decision-making results; if the user chooses to refuse, the process proceeds to the expert decision-making stage.

[0035] The following embodiments of the present invention can be applied to various systems / applications / devices for generating overdue loan processing tasks. The present invention performs deep matching between overdue processing personnel and overdue users based on their geographical location relationship, combined with the historical overdue processing data of the personnel and the loan information of the users. This allows for the configuration of a reasonable user list for the personnel, improving overdue processing efficiency and success rate. Furthermore, the present invention performs overdue processing route planning based on the overdue user list, utilizing advanced route planning algorithms to ensure the shortest travel distance and lowest time cost for the personnel, thereby improving processing efficiency. In addition, overdue processing tasks are not only recorded in ordinary map software, but also, through augmented reality technology, the information of each overdue processing target is directly presented on map markers. This allows personnel to intuitively understand the detailed information of each user when viewing the map, without requiring additional steps for querying.

[0036] The present invention will now be described in detail with reference to various embodiments.

[0037] Example 1

[0038] According to an embodiment of the present invention, an embodiment of a method for generating overdue loan processing tasks is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0039] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal (or mobile device) for generating a method to implement overdue loan processing tasks is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0040] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0041] 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 overdue loan processing task generation method in this embodiment. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the overdue loan processing task generation method described above. The memory 104 may include high-speed random access memory, and may also include 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 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0042] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0043] The display may be, for example, a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0044] Under the aforementioned operating environment, this application provides the following: Figure 2 The method for generating overdue loan processing tasks shown is implemented by an overdue loan processing task generation system.

[0045] Figure 2 This is a flowchart of an optional method for generating overdue loan processing tasks according to an embodiment of the present invention, such as... Figure 2 As shown, the method includes the following steps:

[0046] Step S201: Obtain the geographical location information and loan business information of overdue users, and obtain the geographical location information and historical overdue processing data of overdue processing personnel.

[0047] It should be noted that overdue users are those who have defaulted on their loans, and the staff handling overdue payments are those who process the overdue payments to ensure that the overdue users repay their loans on time.

[0048] In step S201 above, the system extracts overdue user information from the loan overdue user database to identify overdue users and obtain their geographical location information. Simultaneously, we collect loan business information for each overdue user, including but not limited to loan amount, number of overdue days, most recent communication record, and whether partial repayment has been made. This information helps assess the urgency and difficulty of overdue processing and is an important basis for determining the priority of overdue processing.

[0049] Obtain the real-time location information of all overdue processing personnel, typically through GPS services on their mobile phones. Real-time location information is crucial for subsequent task allocation and route planning, ensuring tasks are appropriately distributed based on the personnel's current location. Extract past overdue processing records from the historical overdue processing database, including successful cases, processing time, processing methods, and feedback. This step aims to analyze the experience and skills of the personnel, taking their individual strengths into account during task allocation and improving the success rate of overdue processing.

[0050] Step S202: Configure an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users.

[0051] In step S202 above, by analyzing the geographical location relationship between overdue processing personnel and overdue users, a reasonable list of overdue users is generated for the overdue processing personnel. The core objective is to reduce unnecessary travel for overdue processing personnel when performing tasks, thereby improving the efficiency and success rate of overdue processing tasks. Personalized task allocation based on geographical location ensures that the task list for overdue processing personnel is both within their work capacity and geographically optimized, thus reducing travel time and costs and improving overdue processing efficiency. Furthermore, the geographically based list configuration also facilitates overdue processing personnel in quickly locating users, improving the response speed and execution quality of overdue processing work.

[0052] Furthermore, the steps for configuring an overdue user list for overdue processing personnel based on the geographical location information of overdue processing personnel and overdue users include: for each overdue processing personnel, calculating the maximum overdue processing range for the personnel; obtaining all overdue users within the maximum overdue processing range, and generating an overdue user list for the personnel based on all overdue users within the maximum overdue processing range.

[0053] Specifically, to efficiently assign tasks to each overdue processing staff member, the system first needs to determine their maximum overdue processing range. This range is calculated based on several key parameters, including the staff member's working hours, travel speed, mode of transportation, and the preset average time for overdue processing events. For example, if an overdue processing staff member is expected to work 8 hours, each overdue processing event takes an average of 30 minutes, and the staff member uses a car at an average speed of 40 km / h, considering potential traffic delays, the system can calculate the geographical area that the staff member can reasonably cover within 8 hours. By calculating the maximum overdue processing range, the system can limit the scope of task list generation, avoid invalid task allocation due to excessive geographical distance, ensure reasonable travel for overdue processing staff, and improve overdue processing efficiency.

[0054] Once the maximum overdue processing range is determined, the system will filter out all users within this range from the overdue user database. This can be achieved using Geographic Information System (GIS) technology, which identifies users whose geographical location information (longitude and latitude) falls within the calculated geographical boundaries. Focusing on user groups that overdue processing personnel can contact immediately or in the short term ensures the feasibility and timeliness of task allocation, thereby improving the efficiency of overdue processing tasks. Finally, based on the selected overdue users, the system generates a user list specific to each overdue processing staff member.

[0055] Step S203: Update the list of overdue users based on their loan business information and the historical overdue processing data of the overdue processing personnel to obtain the updated list of overdue users.

[0056] The loan information for the aforementioned overdue users may include the loan's overdue period, overdue amount, and communication history with the user. This information is used to assess the urgency and complexity of the overdue processing. The historical overdue processing data of the personnel handling the overdue payments may include the success rate of past overdue processing tasks, preferred processing methods, and experience in handling different types of overdue loan users, in order to optimize task allocation.

[0057] In step S203 above, the list of overdue users previously generated based on geographical location is updated to better match the professional skills and historical performance of overdue processing personnel, while taking into account the loan status and difficulty of overdue processing of overdue users, thereby generating a more efficient and personalized list of overdue processing tasks.

[0058] Furthermore, the steps for updating the list of overdue users based on their loan business information and the historical overdue processing data of the overdue processing personnel include: configuring a first priority label for the overdue user based on their loan business information; configuring a second priority label for the overdue processing personnel based on their historical overdue processing data; and determining that the overdue user and the overdue processing personnel do not match if the first priority label of the overdue user and the second priority label of the overdue processing personnel do not match, and deleting the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0059] Specifically, the system first assesses the loan information of each delinquent user, assigning a first-priority tag based on key factors such as the overdue amount, number of overdue days, and past responsiveness to delinquency handling. For example, users with large overdue amounts and long-term non-payment may be marked as high-priority. Simultaneously, the system assigns a second-priority tag based on the delinquency handling personnel's historical delinquency handling records. This may be based on the personnel's past success rates in handling different types of delinquent users, identifying their expertise or preferences in specific loan categories or delinquency handling situations. This allows the task list of delinquency handling personnel to match their professional skills and historical performance, improving delinquency handling efficiency and success rate.

[0060] Next, the system compares the first priority tag of each overdue user with the second priority tag of the corresponding overdue processing personnel to check if they match. For example, if an overdue user is marked as high priority, but the overdue processing personnel have a low success rate in handling such users (meaning the overdue processing personnel's second priority is lower than the overdue user's first priority), then they are considered mismatched. By matching priority tags, the system can avoid assigning difficult, high-risk users to inexperienced overdue processing personnel, thereby preventing inefficiency and failures in overdue processing. Based on the matching results, if a mismatch is found between the priority tag of an overdue user and the overdue processing personnel, the system will automatically remove the overdue user from the personnel's overdue user list, preventing unsuitable or difficult-to-handle overdue cases from being assigned to that personnel.

[0061] Step S204: Based on the list of overdue users, plan the overdue processing route. Generate overdue loan processing tasks based on the list of overdue users, the loan business information of overdue users in the list of overdue users, and the route planning results. Record the overdue loan processing tasks in the map software of the overdue processing personnel.

[0062] In step S204 above, specific overdue loan processing tasks are generated for each overdue processing staff member, and an optimal overdue processing route is planned to reduce unnecessary movement during the overdue processing process and improve efficiency and success rate. The system uses geographic information technology, combining the geographical location information and overdue processing priority of each user in the overdue user list, to perform route planning. Route planning considers factors such as traffic conditions, road restrictions, and user location distribution to ensure that overdue processing staff can complete all overdue processing tasks with minimal time and distance. Through route planning, overdue processing staff can obtain a user access route arranged in an optimal order, reducing time spent on the road and improving overdue processing efficiency.

[0063] Based on the path planning results, the system generates a detailed overdue loan processing task for each overdue user. Task information may include the user's detailed address, the amount and duration of the overdue loan, suggested overdue processing strategies, and the estimated overdue processing time.

[0064] Subsequently, the generated overdue loan processing tasks, along with the planned route information, are recorded in the map software used by the overdue loan processing personnel. Within the map software, each overdue loan processing task is displayed as a marker on the map, allowing personnel to intuitively see the location and priority of each task. This provides an intuitive visualization tool to help overdue loan processing personnel quickly locate tasks, understand their order, and easily view and update the status of overdue loan processing tasks in real time on mobile devices.

[0065] Furthermore, the steps for planning overdue processing paths based on the overdue user list include: obtaining the initial location coordinates of the overdue processing personnel and the location coordinates of each overdue user in the overdue user list; inputting the initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users into the path planning model; and outputting the overdue processing path with the minimum total overdue processing time through the path planning model. The path planning model is a machine learning model pre-built based on a local search algorithm for path planning.

[0066] Specifically, first, the system uses location technology to obtain the initial location coordinates of the personnel handling overdue payments, typically expressed in latitude and longitude. Then, it iterates through each user in the list of overdue users, extracting their location coordinates from stored geographic information. This provides the necessary location data for route planning, ensuring the route planning model operates within the correct geographic framework to find the most efficient route from the location of the personnel handling overdue payments to the locations of each user.

[0067] The system takes the initial location coordinates of the personnel handling overdue payments and the location coordinates of all users in the overdue user list as input, and feeds them into a pre-built path planning model. This model is based on local search algorithms, such as simulated annealing, genetic algorithms, or ant colony optimization. The model's goal is to find an overdue payment processing path that minimizes the total time required for the personnel to start from the overdue payment processing staff, visit all users on the list sequentially, and return to the starting point. Through local search algorithms, the model can quickly identify the optimal solution among many possible paths, greatly optimizing the travel arrangements of the overdue payment processing personnel. After receiving the location coordinates, the path planning model executes the algorithm calculation and outputs an overdue payment processing path designed to minimize the total overdue payment processing time. By outputting the optimized overdue payment processing path, the system can guide the personnel handling overdue payments to perform tasks in the best order, avoiding unnecessary round trips and waiting time, and greatly improving overdue payment processing efficiency and time utilization.

[0068] Furthermore, the steps for recording overdue loan processing tasks in the map software of overdue processing personnel include: creating entity markers in the map software based on the location coordinates of overdue users; and using augmented reality technology to render the overdue loan processing task onto the display interface corresponding to the entity marker for each entity marker in the map software.

[0069] Specifically, after determining the precise location coordinates of overdue users, the system creates a physical marker for each user on the map software. These markers not only display the user's geographical location but also contain detailed information about their overdue loans, such as the amount and number of overdue days. For each physical marker in the map software, the system uses augmented reality technology to render relevant information about the overdue loan processing task (such as task ID, user information, and suggested overdue processing strategies) onto the corresponding display interface. When an overdue processing staff member clicks on or approaches a marker on the map, their mobile device screen displays an augmented reality interface providing detailed information about the specific task. Through augmented reality technology, the map software is no longer just a navigation tool but becomes an information-rich task management platform. Overdue processing staff can simultaneously obtain comprehensive information about the tasks to be processed while viewing the map.

[0070] Furthermore, after recording the overdue loan processing task into the map software of the overdue processing personnel, the process also includes: receiving status and progress information uploaded by the overdue loan processing personnel during the execution of the overdue loan processing task; recording the status and progress information into the map software; and adjusting the overdue loan processing task based on the status and progress information.

[0071] Specifically, overdue processing personnel upload real-time status and progress information about their tasks through dedicated interfaces or functions on the map software. This information is typically uploaded to the server via a mobile device's network connection (such as Wi-Fi or mobile data), where it is then processed and forwarded to the map software. Real-time status and progress information allows the system to stay informed about the latest developments in overdue processing tasks, as well as any challenges or opportunities faced by personnel, providing a basis for future decision-making. Upon receiving the status and progress information, the system records it in the map software and associates it with the corresponding overdue processing task entity marker. In the overdue processing personnel's map view, each marker dynamically displays the task's status (e.g., "In Progress," "Paused," "Completed") and its progress (e.g., percentage completion). By visually displaying the task's status and progress in the map software, overdue processing personnel can quickly understand their work situation, and the system can also use this information for subsequent task management and adjustments.

[0072] The system automatically analyzes this data periodically or upon receiving new status / progress information. If certain tasks cannot be completed due to external factors (such as the user being away from home or severe weather), the system will reroute the process or adjust the priority of the task list. For example, incomplete or stalled tasks will be moved to the back, while tasks that are already possible or close to completion will be prioritized. By dynamically adjusting tasks, the system can maximize the efficiency of overdue processing, ensuring that even in the face of unforeseen circumstances, staff handling overdue tasks can complete as many tasks as possible, reducing unnecessary trips and wasted time.

[0073] Furthermore, after recording the overdue loan processing task into the overdue processing personnel's map software, the process also includes: obtaining feedback information from the overdue loan processing personnel on their execution of the overdue loan processing task; encrypting the feedback information and sending it to the loan processing terminal.

[0074] Specifically, when staff handling overdue payments finish or suspend their tasks, they submit feedback information through a dedicated interface on the map software. This feedback may include the outcome of the overdue payment process (e.g., full payment, partial payment, failure to pay) and the user's specific reaction (e.g., agreeing to installment payments, refusing to pay). To ensure data security and confidentiality, the system uses encryption algorithms to encrypt the collected feedback information, effectively preventing information leakage and protecting user privacy. The encrypted feedback information is then sent to the loan processing terminal via a secure network channel. Upon receiving the encrypted information, the terminal decrypts it using a pre-agreed key and integrates the decrypted information into the loan database for updating the user's loan status or planning future overdue payment actions.

[0075] Through the above steps, the geographical location information and loan business information of overdue users are obtained, as well as the geographical location information and historical overdue processing data of overdue processing personnel. Overdue users refer to those with overdue loans, and overdue processing personnel are those responsible for handling overdue payments. An overdue user list is configured for the overdue processing personnel based on their geographical location information and that of the overdue users. The overdue user list is then updated based on the overdue users' loan business information and the historical overdue processing data of the overdue processing personnel, resulting in an updated overdue user list. Overdue processing path planning is performed based on the overdue user list, the loan business information of the overdue users in the list, and the path planning results. Overdue loan processing tasks are then generated and recorded in the overdue processing personnel's mapping software.

[0076] In this embodiment, the geographical locations of overdue users and overdue processing personnel are rationally planned to define the maximum scope of responsibility. Based on this, an overdue user list is configured for the overdue processing personnel, ensuring that the overdue users assigned to them do not exceed a preset geographical range, reducing the time cost of overdue processing. Simultaneously, the priority matching of overdue processing personnel and overdue users is performed based on the loan information of overdue users and the historical overdue processing data of the personnel, thereby updating the overdue user list. This ensures that the overdue processing tasks assigned to the personnel are within their capabilities, improving the success rate of overdue processing. Furthermore, based on the updated overdue user list, path planning is performed for the overdue processing personnel to generate overdue loan processing tasks, achieving rational path planning, reducing ineffective work, and improving overdue processing efficiency. This solves the technical problem of low overdue processing efficiency in related technologies where financial institutions randomly issue overdue processing tasks and overdue processing personnel plan them independently.

[0077] The following describes in detail another optional implementation method.

[0078] Figure 3 This is a schematic diagram of an optional overdue loan processing task generation process according to an embodiment of the present invention, such as... Figure 3 As shown, the process for generating overdue loan processing tasks specifically includes:

[0079] Step 1, Begin;

[0080] Step two, data collection;

[0081] Step 3, personnel pairing;

[0082] Step 4: Building the list of overdue users;

[0083] Step 5, Path Planning;

[0084] Step Six: Overdue Loan Processing Task Generated;

[0085] Add the loan business information, geographical location information of overdue users, and the generated overdue loan processing business information to the map software. Create entity markers in the map software and render the information corresponding to the entity markers onto the display interface. Clicking on an entity will display the relevant information data. After selecting a record in the data list, the map will jump to the corresponding entity and display the corresponding data.

[0086] Step seven, end.

[0087] This invention, based on the geographical relationship between overdue payment processing personnel and overdue users, and combined with the historical overdue payment processing data of the personnel and the loan information of the users, performs deep matching to configure a reasonable user list for the personnel, thereby improving the efficiency and success rate of overdue payment processing. Furthermore, this invention performs overdue payment processing route planning based on the overdue user list, using advanced route planning algorithms to ensure that the personnel's travel is minimized and time costs are reduced, further improving efficiency. In addition, overdue payment tasks are not only recorded in ordinary map software, but also, through augmented reality technology, the information of each overdue payment target is directly presented on map markers, allowing personnel to intuitively understand the detailed information of each user when viewing the map, without the need for additional steps of searching.

[0088] The following is a detailed description with reference to another embodiment.

[0089] Example 2

[0090] The overdue loan processing task generation device provided in this embodiment includes multiple implementation units, each of which corresponds to a specific implementation step in the above embodiment one. The specific implementation method and beneficial effects can be referred to the foregoing method embodiment, and will not be repeated here.

[0091] Figure 4 This is a schematic diagram of an optional overdue loan processing task generation device according to an embodiment of the present invention, such as... Figure 4 As shown, the device for generating the overdue loan processing task may include: an acquisition unit 41, a configuration unit 42, an update unit 43, and a generation unit 44, wherein,

[0092] The acquisition unit 41 is used to acquire the geographical location information and loan business information of overdue users, and to acquire the geographical location information and historical overdue processing data of overdue processing personnel. The overdue users are loan overdue users, and the overdue processing personnel are the personnel who handle overdue payments for overdue users.

[0093] Configuration unit 42 is used to configure an overdue user list for overdue processing personnel based on the geographical location information of overdue processing personnel and the geographical location information of overdue users;

[0094] Update unit 43 is used to update the list of overdue users based on the loan business information of overdue users and the historical overdue processing data of overdue processing personnel, so as to obtain the updated list of overdue users.

[0095] The generation unit 44 is used to plan the overdue processing path based on the overdue user list, generate overdue loan processing tasks based on the overdue user list, the loan business information of overdue users in the overdue user list and the path planning results, and record the overdue loan processing tasks to the map software of the overdue processing business personnel.

[0096] The aforementioned overdue loan processing task generation device acquires the geographical location information and loan business information of overdue users through the acquisition unit 41, and also acquires the geographical location information and historical overdue processing data of overdue processing personnel. The overdue users are those with overdue loans, and the overdue processing personnel are those who handle overdue payments for these users. The configuration unit 42 configures an overdue user list for the overdue processing personnel based on the geographical location information of the personnel and the overdue users. The update unit 43 updates the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the personnel, resulting in an updated overdue user list. The generation unit 44 performs overdue processing path planning based on the overdue user list, the loan business information of the overdue users in the list, and the path planning results to generate an overdue loan processing task, which is then recorded in the overdue processing personnel's map software.

[0097] In this embodiment, the geographical locations of overdue users and overdue processing personnel are rationally planned to define the maximum scope of responsibility. Based on this, an overdue user list is configured for the overdue processing personnel, ensuring that the overdue users assigned to them do not exceed a preset geographical range, reducing the time cost of overdue processing. Simultaneously, the priority matching of overdue processing personnel and overdue users is performed based on the loan information of overdue users and the historical overdue processing data of the personnel, thereby updating the overdue user list. This ensures that the overdue processing tasks assigned to the personnel are within their capabilities, improving the success rate of overdue processing. Furthermore, based on the updated overdue user list, path planning is performed for the overdue processing personnel to generate overdue loan processing tasks, achieving rational path planning, reducing ineffective work, and improving overdue processing efficiency. This solves the technical problem of low overdue processing efficiency in related technologies where financial institutions randomly issue overdue processing tasks and overdue processing personnel plan them independently.

[0098] Furthermore, the configuration unit includes: a first calculation module, used to calculate the maximum overdue processing range for each overdue processing business personnel; and a first generation module, used to obtain all overdue users within the maximum overdue processing range, and generate an overdue user list for the overdue processing business personnel based on all overdue users within the maximum overdue processing range.

[0099] Furthermore, the updating unit includes: a first configuration module, used to configure a first priority label for overdue users based on their loan business information; a second configuration module, used to configure a second priority label for overdue processing personnel based on their historical overdue processing data; and a first deletion module, used to determine that the overdue user and the overdue processing personnel do not match if the first priority label of the overdue user and the second priority label of the overdue processing personnel do not match, and to delete the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0100] Furthermore, the generation unit includes: a first acquisition module, used to acquire the initial location coordinates of the overdue processing personnel and the location coordinates of each overdue user in the overdue user list; and a first planning module, used to input the initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users into the path planning model, and output the overdue processing path with the minimum total overdue processing time through the path planning model, wherein the path planning model is a machine learning model for path planning pre-built based on a local search algorithm.

[0101] Furthermore, the generation unit also includes: a first creation module, used to create entity markers in the map software based on the location coordinates of overdue users; and a first rendering module, used to render the overdue loan processing task to the display interface corresponding to the entity marker using augmented reality technology for each entity marker in the map software.

[0102] Furthermore, the device for generating overdue loan processing tasks also includes: a first receiving module, used to receive status information and progress information uploaded by overdue processing personnel during the execution of overdue loan processing tasks; and a first adjustment module, used to record the status information and progress information to map software, and adjust the overdue loan processing task based on the status information and progress information.

[0103] Furthermore, the device for generating overdue loan processing tasks also includes: a second acquisition module for acquiring feedback information from overdue loan processing personnel performing overdue loan processing tasks; and a first sending module for encrypting the feedback information and sending it to the loan business terminal.

[0104] It should be noted that the acquisition unit 41, configuration unit 42, update unit 43, and generation unit 44 mentioned above correspond to steps S201 to S204 in Embodiment 1. The instances and application scenarios implemented by the above units and corresponding steps are the same, but are not limited to the content disclosed in Embodiment 1. It should be noted that the above modules or units can be hardware or software components stored in memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n). The above modules or units can also run as part of the device in the computer terminal 10 provided in Embodiment 1.

[0105] The invention will now be described in conjunction with another alternative embodiment.

[0106] Example 3

[0107] The present invention can also provide an electronic device. Figure 5 This is a hardware structure block diagram of an electronic device (or mobile device) for generating an optional method for performing overdue loan processing tasks according to an embodiment of the present invention, such as... Figure 5 As shown, the electronic device may include: one or more ( Figure 5 (Only one is shown) processor 502, memory 504, memory controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0108] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the methods and apparatus in the embodiments of this application. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby implementing the above-described methods. The memory may include high-speed random access memory, and may also include 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 memory remotely located relative to the processor, and these remote memories can be connected to the terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0109] The processor can access information and applications stored in memory via a transmission device to execute the following steps: acquiring the geographic location information and loan business information of overdue users, and acquiring the geographic location information and historical overdue processing data of overdue processing personnel, wherein the overdue users are loan overdue users, and the overdue processing personnel are personnel who handle overdue payments for overdue users; configuring an overdue user list for the overdue processing personnel based on the geographic location information of the overdue processing personnel and the overdue users; updating the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel, obtaining an updated overdue user list; performing overdue processing path planning based on the overdue user list, generating overdue loan processing tasks based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning results, and recording the overdue loan processing tasks in the overdue processing personnel's map software.

[0110] The processor can access the information and application stored in the memory via the transmission device to perform the following steps: For each overdue processing staff member, calculate the maximum overdue processing range for that staff member; obtain all overdue users within the maximum overdue processing range, and generate an overdue user list for the staff member based on all overdue users within the maximum overdue processing range.

[0111] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: configuring a first priority tag for the overdue user based on the overdue user's loan business information; configuring a second priority tag for the overdue processing personnel based on the historical overdue processing data of the overdue processing personnel; if the first priority tag of the overdue user and the second priority tag of the overdue processing personnel do not match, determining that the overdue user and the overdue processing personnel do not match, and deleting the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0112] The processor can access the information and application stored in the memory via the transmission device to perform the following steps: obtain the initial location coordinates of the personnel handling overdue processing and the location coordinates of each overdue user in the overdue user list; input the initial location coordinates of the personnel handling overdue processing and the location coordinates of the overdue users into the path planning model; and output the overdue processing path with the minimum total overdue processing time through the path planning model. The path planning model is a machine learning model pre-built based on a local search algorithm for path planning.

[0113] The processor can access information and applications stored in memory via a transmission device to perform the following steps: create entity markers in map software based on the location coordinates of overdue users; for each entity marker in the map software, use augmented reality technology to render the overdue loan processing task onto the display interface corresponding to the entity marker.

[0114] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: receiving status and progress information uploaded by overdue loan processing personnel during the execution of overdue loan processing tasks; recording the status and progress information into map software; and adjusting the overdue loan processing tasks based on the status and progress information.

[0115] The processor can access information and applications stored in the memory via a transmission device to perform the following steps: obtain feedback information from overdue loan processing personnel on their overdue loan processing tasks; encrypt the feedback information and send it to the loan processing terminal.

[0116] This invention provides a scheme for generating overdue loan processing tasks. Based on the geographical locations of overdue users and personnel handling overdue payments, a reasonable plan is developed to define the maximum scope of responsibility. An overdue user list is then configured for the personnel handling overdue payments, ensuring that the geographical locations of the assigned users do not exceed a preset range, reducing the time cost of overdue processing. Simultaneously, priority matching is performed between overdue processing personnel and overdue users based on the loan information of the overdue users and the historical overdue processing data of the personnel handling overdue payments. This updates the overdue user list, ensuring that the tasks assigned to the personnel handling overdue payments are within their capabilities, improving the success rate of overdue processing. Furthermore, based on the updated overdue user list, path planning is performed for the personnel handling overdue payments to generate overdue loan processing tasks, achieving reasonable path planning, reducing ineffective work, and improving overdue processing efficiency. This solves the technical problem of low overdue processing efficiency in related technologies where financial institutions randomly issue overdue processing tasks and personnel plan them independently.

[0117] Those skilled in the art will understand that Figure 5The structure shown is for illustrative purposes only. Electronic devices can also be smartphones, tablets, handheld computers, mobile internet devices (MIDs), PADs, and other terminal devices. Figure 5 This does not limit the structure of the aforementioned electronic device. For example, electronic devices may also include components that are more... Figure 5 The more or fewer components shown (such as network interfaces, display devices, etc.), or having the same Figure 5 The different configurations shown.

[0118] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a computer-readable storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0119] The invention will now be described in conjunction with another alternative embodiment.

[0120] Example 4

[0121] This invention also provides a computer-readable storage medium. Optionally, in this invention, the computer-readable storage medium can be used to store the program code executed by the method for generating overdue loan processing tasks provided in Embodiment 1.

[0122] Optionally, in this embodiment of the invention, the storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0123] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: obtaining the geographical location information and loan business information of overdue users, and obtaining the geographical location information and historical overdue processing data of overdue processing personnel, wherein the overdue users are loan overdue users, and the overdue processing personnel are personnel who handle overdue payments for overdue users; configuring an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users; updating the overdue user list based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel to obtain an updated overdue user list; performing overdue processing path planning based on the overdue user list; generating an overdue loan processing task based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning results; and recording the overdue loan processing task in the map software of the overdue processing personnel.

[0124] This invention also provides a computer program product, which, when executed on a data processing device, is a program suitable for performing the steps of generating an overdue loan processing task: for each overdue processing business person, calculate the maximum overdue processing range of the overdue processing business person; obtain all overdue users within the maximum overdue processing range, and generate an overdue user list for the overdue processing business person based on all overdue users within the maximum overdue processing range.

[0125] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: configuring a first priority label for overdue users based on their loan business information; configuring a second priority label for overdue processing personnel based on their historical overdue processing data; and determining that the overdue user and the overdue processing personnel do not match if the first priority label of the overdue user and the second priority label of the overdue processing personnel do not match, and deleting the mismatched overdue user from the overdue user list of the overdue processing personnel.

[0126] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: obtaining the initial location coordinates of overdue processing personnel and the location coordinates of each overdue user in the overdue user list; inputting the initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users into a path planning model; and outputting the overdue processing path with the minimum total overdue processing time through the path planning model, wherein the path planning model is a machine learning model pre-built based on a local search algorithm for path planning.

[0127] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: creating entity markers in map software based on the location coordinates of overdue users; and for each entity marker in the map software, using augmented reality technology to render the overdue loan processing task onto the display interface corresponding to the entity marker.

[0128] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: receiving status information and progress information uploaded by overdue loan processing personnel during the execution of overdue loan processing tasks; recording the status information and progress information to map software; and adjusting the overdue loan processing tasks based on the status information and progress information.

[0129] This invention also provides a computer program product, which, when executed on a data processing device, is suitable for performing the steps of a method for generating overdue loan processing tasks: obtaining feedback information from overdue loan processing personnel performing overdue loan processing tasks; encrypting the feedback information and sending it to the loan business terminal.

[0130] The sequence numbers of the above embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0131] In the above embodiments of the present invention, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0132] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For instance, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0133] The units described as separate components may or may not be physically separate. 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 units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0134] Furthermore, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0135] If the integrated unit is implemented as 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 invention, in essence, 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. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0136] The above description is only a preferred embodiment of the present invention. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A method for generating overdue loan processing tasks, characterized in that, include: The system obtains the geographic location information and loan business information of overdue users, and the geographic location information and historical overdue processing data of overdue processing personnel. The overdue users are loan overdue users, and the overdue processing personnel are the personnel who handle the overdue payments of the overdue users. Configure an overdue user list for the overdue processing personnel based on the geographical location information of the overdue users; The list of overdue users is updated based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel to obtain the updated list of overdue users. Based on the overdue user list, an overdue processing path is planned. Based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the path planning results, an overdue loan processing task is generated, and the overdue loan processing task is recorded in the map software of the overdue processing personnel.

2. The method according to claim 1, characterized in that, The steps for configuring an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users include: For each of the overdue processing personnel, calculate the maximum overdue processing range for that personnel; Obtain all overdue users within the maximum overdue processing range, and generate the overdue user list for the overdue processing personnel based on all overdue users within the maximum overdue processing range.

3. The method according to claim 1, characterized in that, The steps for updating the list of overdue users based on their loan information and the historical overdue processing data of the overdue processing personnel include: Configure a first priority tag for the overdue user based on the overdue user's loan business information; Configure a second priority tag for the overdue processing personnel based on their historical overdue processing data; If the first priority tag of the overdue user and the second priority tag of the overdue processing personnel do not match, it is determined that the overdue user and the overdue processing personnel do not match, and the mismatched overdue user is deleted from the overdue user list of the overdue processing personnel.

4. The method according to claim 1, characterized in that, The steps for planning overdue processing paths based on the overdue user list include: Obtain the initial location coordinates of the personnel handling overdue payments and the location coordinates of each overdue user in the overdue user list; The initial location coordinates of the overdue processing personnel and the location coordinates of the overdue users are input into the path planning model. The path planning model outputs the overdue processing path with the minimum total overdue processing time. The path planning model is a machine learning model for path planning that is pre-built based on a local search algorithm.

5. The method according to claim 1, characterized in that, The steps of recording the overdue loan processing task into the overdue processing personnel's mapping software include: Based on the location coordinates of the overdue users, entity markers are created in the map software; For each entity marker in the map software, augmented reality technology is used to render the overdue loan processing task onto the display interface corresponding to the entity marker.

6. The method according to claim 1, characterized in that, After recording the overdue loan processing task into the overdue processing personnel's map software, the process also includes: Receive status and progress information uploaded by the overdue loan processing personnel during the execution of the overdue loan processing task; The status information and progress information are recorded in the map software, and the overdue loan processing task is adjusted based on the status information and progress information.

7. The method according to claim 1, characterized in that, After recording the overdue loan processing task into the overdue processing personnel's map software, the process also includes: Obtain feedback information from the personnel handling overdue payments as they perform the overdue loan processing task; The feedback information is encrypted and sent to the loan service terminal.

8. A device for generating overdue loan processing tasks, characterized in that, include: The acquisition unit is used to acquire the geographical location information and loan business information of overdue users, and to acquire the geographical location information and historical overdue processing data of overdue processing personnel. The overdue users are loan overdue users, and the overdue processing personnel are the personnel who handle the overdue payments of the overdue users. A configuration unit is used to configure an overdue user list for the overdue processing personnel based on the geographical location information of the overdue processing personnel and the geographical location information of the overdue users; The updating unit is used to update the list of overdue users based on the loan business information of the overdue users and the historical overdue processing data of the overdue processing personnel, so as to obtain the updated list of overdue users. The generation unit is used to plan overdue processing routes based on the overdue user list, generate overdue loan processing tasks based on the overdue user list, the loan business information of the overdue users in the overdue user list, and the route planning results, and record the overdue loan processing tasks in the map software of the overdue processing personnel.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored computer program, wherein, when the computer program is executed, it controls the device on which the computer-readable storage medium is located to perform the method for generating an overdue loan processing task as described in 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 being 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 cause the one or more processors to implement the method for generating overdue loan processing tasks according to any one of claims 1 to 7.

11. A computer program product, characterized in that, The computer program product includes a computer program, wherein when the computer program is executed by a processor, it implements the method for generating overdue loan processing tasks as described in any one of claims 1 to 7.

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