TWM648606U - Intelligent outer call system to promote credit card staging - Google Patents

Abstract

An intelligent outbound dialing system for promoting credit card installments includes a communication unit that can establish a communication channel with a client device of a customer, a storage unit that stores identification information of the customer, and a computer connected to the communication unit and the storage unit. The connected processing unit automatically dials a call to the client device through the communication unit and sends a promotional voice message to the client device. The promotional voice message asks whether you are interested in learning about credit card payment information divided into N installments; and After confirming that the customer is interested in knowing the credit card payment information divided into N installments, the processing unit sends an inquiry including the minimum payable amount divided into N installments, the remaining payable amount, the installment interest rate, and the payable amount of each installment to set N installments. The voice message is sent to the client device; and after the processing unit confirms that the customer agrees to set installments and verifies the customer's identity based on the identification information stored in the storage unit, it divides the minimum payable amount into N installments based on the customer's identification information. , the remaining payable amount, the installment interest rate and the payable amount of each installment, set a credit card installment plan for the customer, and send a setting completion voice message to the client device.

Description

Promote credit card installment intelligent outbound dialing system

The invention relates to an intelligent outbound dialing system using an intelligent customer service robot, and in particular, to an intelligent outbound dialing system for promoting credit card installments.

Current banks allow consumers to set up the payment of their monthly credit card bills in installments and agree on the installment interest rate with the bank. In this way, the current bill will not be considered late payment and will be included in recurring interest. As long as the payment is maintained If you make your monthly payments on time, your credit score will not be affected. However, the above-mentioned installment payment setting requires consumers to actively apply or set up online by themselves, which may easily cause consumers to feel troublesome or inconvenient and give up the idea.

Therefore, if we can actively promote credit card bill installment payment to customers and directly provide trial calculation plans, so that customers only need to decide whether to accept the installment plan, they can directly complete the installment settings online, this will solve the inconvenience of customers setting their own bills and improve the efficiency of the installment plan. Performance of credit card bill installment business.

Therefore, the purpose of this new model is to provide an intelligent outbound dialing system for promoting credit card installments, which can solve the inconvenient problem of customers setting their own installments and improve their credit. Performance of card bill installment business.

Therefore, this new type of intelligent outbound dialing system for promoting credit card installment can communicate with a client device of a customer and includes a communication unit, a storage unit and a processing unit; the communication unit can establish a communication with the client device. Communication channel; the storage unit stores an identification information of the customer; the processing unit is electrically connected to the communication unit and the storage unit, and includes an outbound dialing module, a trial calculation module and a setting module.

The outbound dialing module automatically dials a call to the client device through the communication unit and conducts voice interaction with the customer. The outbound dialing module confirms that the person answering the call is the customer himself and based on the response message sent from the client device. After the customer has received a credit card bill, the outbound module sends a first promotional voice message to the client device. The first promotional voice message asks whether he or she is interested in learning about credit card payment information divided into N installments.

The outbound dialing module confirms that the customer is interested in knowing the payment information of the credit card divided into N installments based on the response message related to the first promotional voice message sent from the client device, and then the outbound dialing module provides the credit card account number. The single and one divided into N periods are instructed to the trial calculation module; where N is a positive integer.

The trial calculation module calculates a minimum payable amount, a remaining payable amount, and a share of the remaining payable amount for the credit card bill divided into N periods based on the installment interest rate corresponding to the credit card bill and the N-period instruction. The amount payable of principal plus interest for each period after N periods, and the minimum amount payable divided into N periods, the remaining amount payable, The installment interest rate and the amount payable in each installment are given to the outbound module. The outbound module sends an inquiry setting N period voice message including the minimum payable amount divided into N periods, the remaining payable amount, the installment interest rate, and the payable amount of each period to the client device.

The outbound dial module confirms that the customer agrees to set the installments based on the response message sent from the client device corresponding to the voice message inquiring about setting N periods, and verifies the identity of the customer based on the identification information stored in the storage unit, The outbound module provides a set of N period information including the identification information, the minimum payable amount divided into N periods, the remaining payable amount, the installment interest rate, and the payable amount of each period to the setting module. .

The setting module sets a credit card installment plan for the customer based on the set N period information, and returns a setting completion message to the outbound module. After receiving the configuration completion message, the outbound dialing module sends a configuration completion voice message related to the configuration completion message to the client device.

In some implementations of the present invention, after the outbound dialing module confirms that the person answering the call is the customer himself and that the customer has not received the credit card bill according to the response message sent by the client device, the outbound dialing module Before sending the first promotional voice message, the group will reply by sending an inquiry message to the client device, and the inquiry message includes a link information of a web page for inquiring about credit card bills.

In some implementations of the present invention, after the outbound module confirms that the customer is not interested in knowing the information of the credit card divided into N periods based on the response message sent from the client device, the outbound module provides the credit card statement. and one divided into M period instructions for the trial calculation Module; where M is a positive integer and M is less than N.

The trial calculation module calculates the minimum payable amount, the remaining payable amount, and the share of the remaining payable amount of the credit card bill divided into M installments based on the installment interest rate corresponding to the credit card bill and the M installment instruction. The payable amount of principal plus interest in each period after M periods is divided into all the interest payable in M periods, and the minimum payable amount divided into M periods, the payable amount in each period, the installment interest rate and The entire interest goes to the outbound module.

The outbound module sends a second promotional voice message to the client device. The second promotional voice message informs the entire interest divided into M installments and asks whether the user is interested in learning about credit card payment information divided into M installments.

Based on the response message related to the second promotional voice message sent from the client device, the outbound module confirms that the customer is interested in knowing the information about credit card payment divided into M installments, and then the outbound module sends a message containing M installments. A query setting of the minimum payable amount of the period, the remaining payable amount, the installment interest rate, and the payable amount of each period is sent to the client device through M periodic voice messages.

The outbound dialing module confirms that the customer agrees to set the installment based on the response message corresponding to the voice message inquiring about setting the M period sent from the client device, and verifies the identity of the customer based on the identification information stored in the storage unit, The outbound module provides a set M period information including the identification information, the minimum payable amount divided into M periods, the remaining payable amount, the installment interest rate, and the payable amount in each period to the setting module. group. The setting module sets the customer's credit card installment plan based on the setting M period information, and returns the setting completion message to the outbound module.

In some implementations of the present invention, the outbound dialing module confirms that the customer is not interested in knowing the credit card payment information in M installments based on the response message sent from the client device related to the second promotional voice message. , the outbound module provides the credit card bill and an instruction divided into P periods to the trial calculation module; where P is a positive integer and P is less than M.

The trial calculation module calculates the minimum payable amount, the remaining payable amount, and the share of the remaining payable amount of the credit card bill divided into P periods based on the installment interest rate corresponding to the credit card bill and the P-period instruction. The payable amount of principal plus interest in each period after P period, the total interest payable divided into P period, and the minimum payable amount divided into P period, the payable amount in each period, the installment interest rate and The entire interest goes to the outbound module.

The outbound module sends a third promotional voice message to the client device. The third promotional voice message informs the entire interest divided into P periods and asks whether the user is interested in learning about the credit card payment information divided into P periods.

The outbound dialing module confirms that the customer is interested in learning about credit card payment information divided into P installments based on the response message related to the third promotional voice message sent from the client device, and then the outbound dialing module sends the information including divided into P installments. Inquiry setting of the minimum payable amount for each period, the remaining payable amount, the installment interest rate, and the payable amount for each period Phase P voice messages are sent to the client device.

The outbound dialing module confirms that the customer agrees to set the installment based on the response message corresponding to the voice message inquiring about setting the period P sent from the client device, and verifies the identity of the customer based on the identification information stored in the storage unit, The outbound module provides a set P period information including the identification information, the minimum payable amount divided into P periods, the remaining payable amount, the installment interest rate, and the payable amount in each period to the setting module. . The setting module sets the customer's credit card installment plan based on the setting P period information, and returns the setting completion message to the outbound module.

In some implementations of the present invention, the outbound dialing module confirms that the customer is not interested in learning about the credit card payment information divided into P installments based on the response message related to the third promotional voice message sent from the client device. , the outbound dialing module sends a fourth promotional voice message to the client device. In response to the fourth promotional voice message, after ending the call, an installment SMS message will be sent to the client device. The installment SMS message includes an application for a credit card. A link information for the bill installment web page.

In some implementations of the present invention, the outbound dialing module sends a response related to the first promotional voice message, the second promotional voice message or the third promotional voice message based on the client device. message, when it is determined that the customer inquires about other types of installments, the outbound module sends an introduction voice message of the installment type to the client device. The introduction voice message of the installment type includes N, M, P, Q, R. , S, a total of six installments and their related discounts, and asked which installment should be explained first; among them Q, R, S It is a positive integer and S is greater than R, R is greater than Q, and Q is greater than N.

The outbound dialing module confirms that the installment number Y inquired by the customer is the six installments Y, N, M, P, Q, R, S, based on the response message related to the installment type introduction voice message sent from the client device. After one of the installment periods, the outbound module provides the credit card statement and an instruction for Y installments to the trial calculation module.

The trial calculation module calculates a minimum payable amount, a remaining payable amount, and a share of the remaining payable amount for the credit card bill divided into Y periods based on the installment interest rate corresponding to the credit card bill and the Y-period instruction. The payable amount of principal plus interest for each period after Y period is divided into the minimum payable amount of Y period, the remaining payable amount, the installment interest rate, and the payable amount of each period to the outsourcing company. Mods.

The outbound module sends an inquiry setting Y period voice message including the minimum payable amount divided into Y periods, the remaining payable amount, the installment interest rate, and the payable amount of each period to the client device.

The outbound dialing module confirms that the customer agrees to set the installment according to the response message sent from the client device corresponding to the voice message inquiring about setting the period Y, and after verifying the identity of the customer based on the identification information stored in the storage unit, The outbound module provides a set Y period information including the identification information, the minimum payable amount divided into Y periods, the remaining payable amount, the installment interest rate, and the payable amount in each period to the setting module. . The setting module sets the customer's credit card installment plan based on the setting Y period information, and returns the setting completion message to the outbound module.

In some implementations of the present invention, the processing unit further includes a text message module, and after the outbound dialing module sends the setting completion voice message to the client device, the processing unit also causes the text message module to send and A configuration completion message related to the configuration completion voice message is sent to the client device.

The function of this new model is to promote the credit card bill installment payment plan to customers by actively making voice calls, allowing customers with installment payment needs to directly complete the installment settings online, which not only solves the inconvenience of customers setting up installment payments by themselves, And it can improve the performance of credit card bill installment payment business.

100: Intelligent outbound dialing system

41:Outbound dial module

1: Client device

42:Trial calculation module

2: Communication unit

43: Setting module

3:Storage unit

44:SMS module

4: Processing unit

Other features and functions of the present invention will be clearly shown in the embodiments with reference to the drawings, in which:

Figure 1 is a block diagram of the main components of an embodiment of the new smart outbound dialing system for promoting credit card installment.

Before the present invention is described in detail, it should be noted that similar elements are represented by the same numbers in the following description.

Refer to Figure 1, which is an embodiment of the new smart outbound dialing system for promoting credit card installments (hereinafter referred to as the smart outbound dialing system). The smart outbound dialing system 100 is a computer device that can communicate through, for example, a mobile communication provider. Network and base station with one A client device 1 of the customer, such as a mobile phone or a smart phone, mainly includes a communication unit 2, a storage unit 3 and a processing unit 4.

The communication unit 2 is a network communication medium, such as a network card, etc., which can establish a communication channel with the client device 1 through the communication network and base station provided by the mobile communication operator. The storage unit 3 stores an identification information of the customer, such as birthday, ID card number, etc. The processing unit 4 is, for example, a central processing unit, which is electrically connected to the communication unit 2 and the storage unit 3 to transmit voice messages to and from the client device 1 through the communication unit 2 and access the storage unit 3; and The processing unit 4 includes an outbound dialing module 41, a trial calculation module 42, a setting module 43 and a text message module 44 implemented by software programs, that is, the outbound dialing module 41, the trial calculation module 42, The setting module 43 and the SMS module 44 are included in a software program, and the processing unit 4 causes the outbound dialing module 41, the trial calculation module 42, and the setting module 43 by executing the software program. The SMS module 44 performs the following functions.

Among them, the outbound dialing module 41 uses an AI intelligent outbound dialing robot to automatically dial a call to the client device 1 through the communication unit 2 and perform voice interaction with the customer. For example, at the beginning, the outbound dialing module 41 will first Output a greeting voice message and ask the other party whether the customer (for example, Ms. Lin OO) is herself. Then, the outbound dialing module 41 confirms that the person who answers the call is the customer according to the response message sent from the client device 1. , the outbound dialing module 41 then notifies that the credit card has been settled and asks the customer whether the current credit card bill has been received; then, the outbound dialing module 41 responds to the customer's request. After receiving the response message from the client device 1 and confirming that the customer has received the current credit card bill, the outbound dialing module 41 sends a first promotional voice message to the client device 1. The first promotional voice message The message asks if you are interested in knowing the information about credit card payment divided into N installments; the content of the first promotional voice message is roughly "...applying for bill installment can enjoy the highest reward of X% of credit card payment. If the current bill is divided into 6 installments Above, you can get credit card bonus according to the installment amount, 1% in 6 installments, 2% in 12 installments, 3% in 18 installments, 4% in 24 installments, 5% in 30 installments. The upper limit of the reward is OO yuan. Let me start. Can you give me a trial calculation using N periods?", where N is a positive integer and in this embodiment, N is, for example, 12.

In addition, if the outbound dialing module 41 confirms that the person answering the call is the customer according to the response message sent by the client device 1 but the customer has not received the credit card bill, the outbound dialing module 41 will send the Before the first promotional voice message, a query message will be sent to the client device 1 in reply. The query message contains a link information of a web page for querying credit card bills. Thus, when the client device 1 receives After sending the inquiry message, the customer can simply click on the link information in the inquiry message to connect to the credit card bill inquiry web page and enter the relevant personal information, and then the customer's credit card bill details for the current period can be queried. .

Then, based on the response message related to the first promotional voice message sent by the client device 1, the outbound module 41 confirms that the customer is interested in knowing the information about credit card payment divided into N installments. 41 Provide the customer’s credit card The bill and one divided into N period instructions are given to the trial calculation module 42 .

The trial calculation module 42 trial-calculates a minimum payable amount, a remaining payable amount, and the remaining payable amount of the credit card bill (amount) divided into N periods based on the credit card bill and the installment interest rate corresponding to the N-period instruction. After the amount payable is divided into N periods, the amount payable is the principal plus interest for each period, and provides the minimum amount payable divided into N periods, the remaining amount payable, the installment interest rate, and the payable amount for each period. A first trial calculation result of the amount is given to the outbound module 41.

After receiving the first trial calculation result, the outbound module 41 sends an inquiry setting including the minimum payable amount divided into N periods, the remaining payable amount, the installment interest rate, and the payable amount of each period. N periods of voice messages are sent to the client device 1; the inquiry sets the general content of the N periods of voice messages, for example, "After you have paid the minimum payable amount of XX yuan for this period's bill, the remaining installment amount (i.e., the remaining payable amount ) is OO yuan, divided into N installments, and the interest rate is OO%. The monthly principal plus interest (that is, the amount payable in each period) is estimated to be only OO yuan, can I set it up for you?"

Then, the outbound dialing module 41 confirms that the customer agrees to set the installments according to the response message sent by the client device 1 corresponding to the voice message asking to set N periods, and then the outbound module 41 sends a verification data voice message. To the client device 1, the customer is required to provide a part of the identification information (such as the last three digits of the customer's ID card number, etc.) for identity verification; and the outbound dialing module 41 responds to the part of the identification information returned by the client device 1. The identification information is combined with the identification information of the customer stored in the storage unit 3. After performing comparison and verification and confirming that the part of the identification information returned by the client device 1 is correct, the outbound module 41 provides the minimum payable amount, the remaining payable amount, and the remaining payable amount divided into N periods including the identification information. A set N period information of the amount, the installment interest rate, and the amount payable in each period are given to the setting module 43.

After receiving the set N period information, the setting module 43 sets a credit card installment plan for the customer based on the set N period information, that is, the credit card bill is divided into N period plans, and after the setting is completed, returns the setting A completion setting message related to the N period of information is sent to the outbound module 41 .

When the outbound dialing module 41 receives the setting completion message, it sends a setting completion voice message related to the setting completion message to the client device 1, and then ends the call. The content of the voice message for completing the setting is roughly, for example, "The credit card bill has been set for you in N installments for the year OO and the month OO, with an installment interest rate of OO%,..., if the payment is made early within one year, a penalty of up to OO yuan will be charged" and "Please deposit the minimum payable amount of OO yuan into the automatic withholding account before the payment deadline of this period, month OO. The minimum amount payable will be withheld for this period, and the remaining amount on the bill after deduction will be the final installment. "Amount" (applicable to automatic debit customers) or "Please pay the minimum payable amount of OO yuan before the payment deadline of this period OO month OO, we will use the remaining amount on the bill as the effective amount of the final installment" (applicable to non-automatic debit customers) debit customers).

In addition, after the call ends, the processing unit 4 also causes the SMS module 44 to send a completion setting message to the client device 1, and the content of the setting completion message is It is mainly the text content after the voice message is converted into text.

Furthermore, after the outbound dialing module 41 sends the first promotional voice message to the client device 1, the outbound dialing module 41 confirms that the customer is not interested in learning based on the response message sent from the client device 1. After the credit card is divided into N periods, the outbound module 41 provides the credit card bill and instructions for dividing it into M periods to the trial calculation module 42; where M is a positive integer and M is less than N. In this embodiment, M It can be 6 for example.

Then, the trial calculation module 42 trial-calculates the minimum payable amount, the remaining payable amount, and the remaining payable amount of the credit card bill divided into M periods based on the installment interest rate corresponding to the credit card bill and the M-period instruction. The payment amount is divided into M periods, and the payable amount of principal plus interest for each period is divided into M periods, and all the interest payable is divided into M periods, and a list is provided that includes the minimum payable amount divided into M periods, the payable amount for each period. The second trial calculation result of the amount, the installment interest rate and the entire interest is given to the outbound transfer module 41.

After receiving the second trial calculation result, the outbound dialing module 41 sends a second promotional voice message to the client device 1. The second promotional voice message informs the entire interest divided into M periods and asks whether I am interested in knowing the information about credit card payment divided into M installments; the content of the second promotional voice message is roughly such as "Your installment plan is really very favorable. If divided into M installments, the entire interest is estimated to be only OO yuan. I will make it for you." Can you introduce me?"

Then, the outbound dialing module 41 communicates with the client device 1 according to the The response message related to the second promotional voice message confirms that the customer is interested in knowing the information about credit card payment divided into M installments, and the outbound module 41 sends the minimum payable amount divided into M installments, the remaining payable amount, An inquiry about the installment interest rate and the payable amount of each period sets M period voice messages to the client device 1 . The content of the inquiry to set M periods of voice messages is similar to the inquiry to set N periods of voice messages in the above example.

Then, the outbound dialing module 41 confirms that the customer agrees to set the installment according to the response message corresponding to the voice message inquiring about setting M periods sent from the client device 1. As mentioned above, the outbound dialing module 41 asks the customer Part of the identification information is provided through the client device 1, and after verifying the identity of the customer based on the identification information stored in the storage unit 3 and the part of the identification information provided by the customer, the outbound dialing module 41 provides information containing the identification information. , divide the minimum payable amount into M periods, the remaining payable amount, the installment interest rate, and the set M period information of the payable amount in each period to the setting module 43. The setting module 43 sets the customer's credit card installment plan based on the set M period information, that is, the credit card bill is divided into M period plans, and after the setting is completed, returns a completion setting message related to the set M period information. Give the outbound module 41. After receiving the setting completion message, the outbound dialing module 41 sends a setting completing voice message to the client device 1 and ends the call. Then, the SMS module 44 sends a setting completing message to the client device 1. As mentioned above.

On the contrary, if the outbound dialing module 41 confirms that the customer is not interested in learning based on the response message related to the second promotional voice message sent from the client device 1 After the credit card is divided into M period payment information, the outbound module 41 then provides the credit card bill and an instruction to be divided into P periods to the trial calculation module 42; where P is a positive integer and P is less than M; and in this embodiment , P can be, for example, 3.

Then, the trial calculation module 42 trial-calculates the minimum payable amount, the remaining payable amount, and the remaining payable amount of the credit card bill divided into P periods based on the installment interest rate corresponding to the credit card bill and the P-period instruction. The payment amount is divided into P periods, the amount payable for each period of principal plus interest, and all the interest payable into P periods, and provides the minimum amount payable, including the minimum amount payable into P periods, and the amount payable for each period. A third trial calculation result of the installment interest rate and the total interest is given to the outbound transfer module 41.

After receiving the third trial calculation result, the outbound dialing module 41 sends a third promotional voice message to the client device 1. The third promotional voice message informs the entire interest divided into P periods and asks whether there is I am interested in learning about credit card payments divided into P installments; the general content of the third promotional voice message is, for example, "If you divide it into P installments, the entire interest will only be OO yuan. It's not too late to decide after listening to my introduction!"

Then, if the outbound dialing module 41 confirms that the customer is interested in knowing the information about credit card payment divided into P installments according to the response message related to the third promotional voice message sent by the client device 1, the outbound dialing module 41 Group 41 then sends an inquiry setting P period voice message including the minimum payable amount divided into P periods, the remaining payable amount, the installment interest rate, and the payable amount of each period to the client device 1; the inquiry The content of setting the P period of voice messages is similar to the above example of asking to set the N period of voice messages.

Then, if the outbound dial module 41 confirms that the customer agrees to set the installment according to the response message corresponding to the voice message for asking to set the period P sent from the client device 1, as mentioned above, the outbound module 41 requests the The customer provides part of the identification information through the client device 1, and after verifying the customer's identity based on the identification information stored in the storage unit 3 and the part of the identification information provided by the customer, the outbound dialing module 41 provides a message containing the identification information. Information, the minimum payable amount divided into P periods, the remaining payable amount, the installment interest rate, and a set P period information of the payable amount in each period are given to the setting module 43, and the setting module 43 is based on The set P-period information sets the customer's credit card installment plan, that is, the credit card bill is divided into P-period plans, and after the setting is completed, a completion setting message related to the set P-period information is returned to the outbound module 41 . After receiving the setting completion message, the outbound dialing module 41 sends a setting completing voice message to the client device 1 and ends the call. Then, the SMS module 44 sends a setting completing message to the client device 1. As mentioned above.

On the contrary, if the outbound dialing module 41 confirms that the customer is not interested in knowing the credit card payment information divided into P installments according to the response message related to the third promotional voice message sent by the client device 1, the outbound dialing module 41 Group 41 then sends a fourth promotional voice message to the client device 1. The fourth promotional voice message will send a promotional installment SMS to the client device 1 after the call is ended, and the installment SMS contains an application. A link information for the credit card bill installment webpage. The content of the fourth promotional voice message is roughly such as "Your bill installment this month is really discounted. You can refer to it." You can apply for the installment newsletter sent later by yourself, thank you. ”.

In addition, after the outbound dialing module 41 sends the first promotional voice message, the second promotional voice message or the third promotional voice message to the client device 1, the outbound dialing module 41 will The response message related to the first promotional voice message, the second promotional voice message or the third promotional voice message sent from the terminal device 1 determines whether the customer wants to inquire about the N period, M period or P period. When there are other types of installments, the outbound dialing module 41 will first send an installment type introduction voice message to the client device 1. The installment type introduction voice message includes N, M, P, Q, R. , S six types of installments and their related discounts, and ask which installment should be explained first; where Q, R, S are positive integers and S is greater than R, R is greater than Q, Q is greater than N, S can be, for example, 30, R It can be, for example, 24, and Q can be, for example, 18; the content of the voice message introducing the type of issue is roughly, for example, "We have six types of installments, namely 3, 6, 12, 18, 24, and 30, but they are divided into six The credit card reward program is only applicable to installments of more than one installment. Can I explain to you which installment number first?"

Then, when the outbound dialing module 41 confirms that the installment number Y inquired by the customer is N, M, P, Q, or After one of the six installments R and S, the outbound module 41 provides the credit card bill and an instruction to be divided into Y installments to the trial calculation module 42.

The trial calculation module 42 is based on the credit card bill and the Y-period instructions. For the corresponding installment interest rate, try to calculate the minimum payable amount of the credit card bill divided into Y periods, the remaining payable amount, and the principal and interest payable amount of each period after the remaining payable amount is divided into Y periods. And provide the outbound transfer module 41 with a Y-period trial calculation result including the minimum payable amount divided into Y periods, the remaining payable amount, the installment interest rate, and the payable amount in each period.

After receiving the trial calculation result divided into Y periods, the outbound module 41 sends an inquiry setting including the minimum payable amount divided into Y periods, the remaining payable amount, the installment interest rate, and the payable amount in each period. Y period of voice messages are sent to the client device 1.

Then, the outbound dialing module 41 confirms that the customer agrees to set the installment according to the response message sent from the client device 1 corresponding to the voice message asking to set the Y period, and as mentioned above, according to the stored in the storage unit 3 After the identification information verifies the identity of the customer, the outbound module 41 provides the information including the identification information, the minimum payable amount divided into Y installments, the remaining payable amount, the installment interest rate, and the payable amount of each installment. Set Y period information to the setting module 43.

The setting module 43 sets the customer's credit card installment plan based on the set Y-period information, that is, the credit card bill is divided into Y-period plans, and after the setting is completed, returns a completed setting message related to the set Y-period information. Give the outbound module 41. After receiving the setting completion message, the outbound dialing module 41 sends a setting completing voice message to the client device 1 and ends the call. Then, the SMS module 44 sends a setting completing message to the client device 1. As mentioned above.

To sum up, this embodiment promotes the credit card bill installment payment plan to customers by actively making voice calls, and further provides the installment trial calculation results or another installment payment plan to the customer based on the customer's response, so that there is a plan to pay in installments. Customers with payment needs only need to decide whether to accept the installment plan, and can directly complete the installment setting online. This not only solves the problem of inconvenience for customers to set up installment payment by themselves, but also improves the performance of the credit card bill installment payment business and truly achieves this new type of payment. Efficacy and purpose.

However, the above are only examples of the present invention, and should not be used to limit the scope of the present invention. All simple equivalent changes and modifications made based on the patent scope of the present invention and the content of the patent specification are still within the scope of the present invention. Within the scope covered by this new patent.

100: Intelligent outbound dialing system

1: Client device

2: Communication unit

3:Storage unit

4: Processing unit

41:Outbound dial module

42:Trial calculation module

43: Setting module

44:SMS module

Claims (7)

An intelligent outbound dialing system for promoting credit card installments, which can communicate with a client device of a customer, and includes: a communication unit that can establish a communication channel with the client device; a storage unit that stores a client's Identification information; and a processing unit, which is electrically connected to the communication unit and the storage unit, and includes an outbound dialing module, a trial calculation module and a setting module; wherein the outbound dialing module automatically dials through the communication unit After calling the client device and conducting voice interaction with the customer, the outbound dialing module confirms that the person answering the call is the customer and that the customer has received a credit card bill based on the response message from the client device. The outbound module sends a first promotional voice message to the client device, and the first promotional voice message asks if you are interested in learning about credit card payment information divided into N installments; the outbound module sends a message based on the client device. After receiving a response message related to the first promotional voice message and confirming that the customer is interested in learning about credit card payment information divided into N installments, the outbound module provides the credit card bill and instructions for dividing the bill into N installments to the trial model. group; where N is a positive integer; the trial calculation module calculates a minimum payable amount and a remaining payable amount of the credit card bill divided into N periods based on the installment interest rate corresponding to the credit card bill and the instruction to divide it into N periods. The amount, the remaining amount payable is divided into one amount payable of principal plus interest for each period after N periods, and divided into N The minimum payable amount for each period, the remaining payable amount, the installment interest rate, and the payable amount for each period are sent to the outbound module; the outbound module transmits the minimum payable amount divided into N periods, An inquiry of the remaining payable amount, the installment interest rate, and the payable amount of each period is sent to the client device in N period voice messages; the outbound module sets N periods according to the inquiry sent from the client device. After confirming that the customer agrees to set the installments and verifying the identity of the customer based on the identification information stored in the storage unit, the outbound module provides the minimum response divided into N installments including the identification information. The payment amount, the remaining payable amount, the installment interest rate, and the set N-period information of the payable amount for each period are given to the setting module; the setting module sets a credit card installment for the customer based on the set N-period information. program, and returns a configuration completion message to the outbound module; after receiving the configuration completion message, the outbound module sends a configuration completion voice message related to the configuration completion message to the client device. An intelligent outbound dialing system for promoting credit card installment as described in request item 1, wherein the outbound dialing module confirms that the person answering the call is the customer himself and that the customer has not received the credit card bill based on the response message sent from the client device. Then, before sending the first promotional voice message, the outbound module will reply by sending an inquiry message to the client device, and the inquiry message includes a link information of a web page for inquiring about credit card bills. The promotion of credit card installment intelligent outbound dialing system as described in request item 1 or 2, wherein: After the outbound module confirms that the customer is not interested in knowing the information about the credit card divided into N periods based on the response message sent from the client device, the outbound module provides the credit card bill and instructions for dividing the credit card into M periods to the trial model. group; where M is a positive integer and M is less than N; the trial calculation module calculates the minimum payable amount of the credit card bill divided into M periods according to the installment interest rate corresponding to the credit card bill and the instruction of dividing it into M periods. The remaining amount payable, the remaining amount payable is divided into the principal plus interest for each period after M periods, the entire interest payable for M periods, and the minimum amount payable divided into M periods, each period The payable amount of one installment, the installment interest rate and the entire interest are given to the outbound module; the outbound module sends a second promotional voice message to the client device, and the second promotional voice message informs the sharing The entire interest of M periods, and asked whether he is interested in knowing the credit card payment information divided into M periods; the outbound module confirms that the customer is based on the response message related to the second promotional voice message sent from the client device. After being interested in learning about credit card payment information divided into M installments, the outbound module sends an inquiry including the minimum payable amount divided into M installments, the remaining payable amount, the installment interest rate, and the payable amount in each installment. Set M periods of voice messages to the client device; the outbound module confirms that the customer agrees to set the installments according to the response message sent from the client device corresponding to the query to set M periods of voice messages, and stores it according to the storage unit After verifying the identity of the customer with the identification information, the outbound module provides the identification information divided into M periods. The minimum payable amount, the remaining payable amount, the installment interest rate, and the set M period information of the payable amount in each period are given to the setting module; the setting module sets the customer's M period information based on the set M period information. Credit card installment plan, and returns the completion setting message to the outbound module. The smart outbound dialing system for promoting credit card installment as described in request item 3, wherein: the outbound dialing module confirms that the customer is not interested in learning about credit cards based on the response message sent from the client device related to the second promotional voice message. After dividing the payment information into M periods, the outbound module provides the credit card bill and an instruction divided into P periods to the trial calculation module; where P is a positive integer and P is less than M; the trial calculation module based on the credit card bill and According to the installment interest rate corresponding to the instruction of dividing the credit card bill into P periods, the minimum amount payable, the remaining amount payable, and the principal plus interest for each period after the remaining amount payable is divided into P periods are calculated. The amount payable, the entire interest payable divided into P periods, and the minimum amount payable divided into P periods, the amount payable in each period, the installment interest rate and all the interest are provided to the outsourcing module; The outbound module sends a third promotional voice message to the client device. The third promotional voice message informs the entire interest divided into P periods and asks whether one is interested in learning about the credit card payment information divided into P periods; the Based on the response message related to the third promotional voice message sent by the client device, the outbound module confirms that the customer is interested in knowing the information about credit card payment divided into P periods, and then the outbound module sends the information including payment divided into P periods. The minimum amount payable, the remaining amount payable, the installment interest rate, and the A voice message inquiring about the payable amount in the first period is sent to the client device; the outbound module confirms that the customer is sent according to the response message corresponding to the voice message inquiring about setting the P period sent by the client device. After agreeing to set the installment and verifying the identity of the customer based on the identification information stored in the storage unit, the outbound module provides the minimum payable amount divided into P installments, the remaining payable amount, and the installment including the identification information. A set P-period information of the interest rate and the payable amount of each period is given to the setting module; the setting module sets the credit card installment plan of the customer based on the set P-period information, and returns the setting completion message to the Outbound dial module. The smart outbound dialing system for promoting credit card installment as described in request item 4, wherein the outbound dialing module confirms that the customer is not interested in learning about credit cards based on the response message sent from the client device related to the third promotional voice message. After dividing the payment information into P installments, the outbound module sends a fourth promotional voice message to the client device. The fourth promotional voice message replies and sends an installment SMS to the client device after ending the call. The installment message contains link information to a web page for applying for credit card bill installment. The smart outbound dialing system for promoting credit card installment as described in request item 4, wherein: the outbound dialing module is based on the first promotional voice message, the second promotional voice message or the third promotional voice message sent from the client device. According to the response message related to the promotional voice message, when it is determined that the customer inquires about other types of installments, the outbound module sends an introduction voice message of the installment type to the client device. The introduction voice message of the installment type includes N, M.P. There are six types of installments Q, R, and S and their related discounts, and they ask which installment should be explained first; among them, Q, R, and S are positive integers and S is greater than R, R is greater than Q, and Q is greater than N; the outbound call Based on the response message related to the installment type introduction voice message sent by the client device, the module confirms that the installment number Y inquired by the customer is the six installments of N, M, P, Q, R, and S. After counting one of them, the outbound module provides the credit card bill and the Y-payment instruction to the trial calculation module; the trial calculation module calculates the one-installment interest rate corresponding to the credit card bill and the Y-payment instruction. Calculate the minimum payable amount of the credit card bill divided into Y periods, the remaining payable amount, and the principal and interest payable amount of each period after the remaining payable amount is divided into Y periods, and provide the payable amount divided into Y periods The minimum amount payable, the remaining amount payable, the installment interest rate, and the amount payable in each period are sent to the outbound module; the outbound module transmits the minimum amount payable divided into Y installments, the remaining amount An inquiry about the amount payable, the installment interest rate, and the amount payable in each period is sent to the client device. The outbound module sets the Y period voice message based on the inquiry sent from the client device. The response message corresponding to the message confirms that the customer agrees to set installments, and after verifying the customer's identity based on the identification information stored in the storage unit, the outbound module provides the minimum payable amount that includes the identification information and is divided into Y installments. , the remaining payable amount, the installment interest rate, and the set Y period information of the payable amount in each period are given to the setting module; The setting module sets the customer's credit card installment plan based on the setting Y period information, and returns the setting completion message to the outbound module. The smart outbound dialing system for promoting credit card installment as described in request item 6, wherein the processing unit also includes an SMS module, and after the outbound dialing module sends the setting completion voice message to the client device, the processing unit also commands The SMS module sends a configuration completion message related to the configuration completion voice message to the client device.

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