CN105427164A - Design method and design system for self-reproduction user system - Google Patents
Design method and design system for self-reproduction user system Download PDFInfo
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- CN105427164A CN105427164A CN201510734187.2A CN201510734187A CN105427164A CN 105427164 A CN105427164 A CN 105427164A CN 201510734187 A CN201510734187 A CN 201510734187A CN 105427164 A CN105427164 A CN 105427164A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0215—Including financial accounts
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention relates to a design system for a self-reproduction user system. The design system comprises a user identity management module, a user grade management module and an integration management module, wherein the user identity management module determines user identity and outputs the identity information to the user grade management module, the user grade management module determines user grades and outputs the user grade information to the integration management module, and the integration management module calculates present user integration according to the user grades. The invention further provides a design method for the self-reproduction user system. According to the design method and the design system, user system configuration and the corresponding user integration system are realized, the relevant user model can not only be rapidly established, automatic upgrade can be further realized according to user behaviors, and intelligent user management can be realized, moreover, user positivity can be improved, healthy and continuable bank user development can be realized, bank marketing activity pertinence is enhanced, and the purpose of rapid Internet finance development is realized.
Description
Technical field
The present invention relates to financial field, internet, specifically, relate in financial field, banking industry internet a kind of from procreation user's system method for designing and system.
Background technology
Custom system is considered to the indispensable important component part of banking industry, and traditional custom system comprises CIF client, electronic accumulation system etc.The custom system of traditional financial industry mainly completes booster action, CIF client is mainly preserved the customer informations such as customer address, telephone number, identity information and is carried out unique identification client, integrating system mainly according to the condition of stock of client, open or use Net silver, buy the modes such as financing and calculate reward points, in the integration mall system of bank self, rely on the integration energy redeemable article of acquisition.
Because traditional custom system is by means of only simply recording customer information, carry out calculated product according to the attribute behavior of basic bank to grade, fail fully to excavate client to grow up attribute, do not realize the good interaction between client, therefore enough expulsive forces are all lacked to marketing of bank, popularization and Consumer's Experience yet.
Summary of the invention
In order to overcome the defect that above-mentioned prior art exists, the invention provides a kind of from procreation user system method for designing, comprising the steps:
Step 1: user identity management module builds user identity according to user sources;
Step 2: user gradation administration module according to user identity, whether invite user to build user gradation;
Step 3: Point Management Module calculates user's current integration according to user gradation, and improve personal information degree, signing banking according to user, invite user situation to carry out reward on total mark.
The present invention provides a kind of from procreation user architecture system on the other hand, comprising:
Comprise user identity management module, user gradation administration module and Point Management Module, wherein,
Identity information is also exported to user gradation management system module by user identity management module determination user identity;
User gradation administration module is determined the grade of user and user gradation information is exported to Point Management Module;
Point Management Module calculates user's current integration according to user gradation.
Preferably, described user identity comprises two kinds, specially invites user and growth user (except specially inviting with other user outdoor).
Preferably, described in specially invite user can be that bank invites especially, the registered user also namely directly specified by bank or by specially inviting user to invite, can arrange the invitation quantity of requirement as required.
Preferably, described growth user is by registering or user's recommendation of growing up.
Preferably, user is specially invited to be the highest ranking of user gradation management system module described in.
Preferably, whether described user gradation administration module invites user to determine the grade of growth user according to growth user, and class information is exported to user gradation system management module.User gradation is divided into some ranks according to integration from bottom to up, and described level definition is as follows:
Rating fraction=rank score * number of levels, i.e. Sn=Φ n*n;
Wherein the determination of Φ n mark by bank according to rule adjustment.As Φ 1=120 divides, n=7 level, then S1=840 divides, and namely 0 to 840 is divided into the first estate, has 7 levels in the first estate, every layer of mark 120 points, by that analogy.
Preferably, described integral management system improves personal information degree, signing banking, residing grade according to user, invites user situation to carry out reward on total mark.
Specially inviting in user and growth user, a tree-shaped structure be formed according to inviting during registration the precedence of (recommendation) as the relation between invited party and the user of invited party.In this tree structure, invite (recommendation) people for being invited to the father node of (recommendation) people, be invited to the child node that (recommendation) artificially invites (recommendation) people, be invited to (recommendation) if people invites (recommendation) user to register again, so the user of new registration is for being invited to (recommendation) people child node, for initially inviting the grandchild node of (recommendation) people.By that analogy.Wherein first be not invited to (recommendation) and the user directly registered as root node, do not invite (recommendation) anyone user registered as leaf node after registering.
Wherein specially invite user directly can regard as certain higher user class, and be root user in customer relationship figure.
In Point Management Module, the management of user integral is comprised, improve personal information degree, signing banking according to user, invite user situation to carry out reward on total mark.Include but not limited to updates, strengthening user profile, buy finance product etc., invite (recommendation) user registration.
The invention has the beneficial effects as follows, user gradation distributes rationally, improves user's participation; Integration managing is clear, not only covers width but also overburden depth, and reward level is rationally clear, improves user's enthusiasm, realizes the good interaction between bank and user, can reach certain effect in financial field, internet.
Accompanying drawing illustrates:
Fig. 1 is present system structural drawing;
Fig. 2 is user's tree structure schematic diagram of the present invention;
Fig. 3 is the grade classification schematic diagram of user of the present invention;
Fig. 4 is the medium and small grade classification schematic diagram of user gradation of the present invention;
Fig. 5 is integral and calculating schematic diagram of the present invention.
Embodiment:
In order to make creation characteristic of the present invention, technological means and reach object be easy to understand understand, set forth the present invention further below in conjunction with specific embodiment.
With reference to figure 1-Fig. 5, a kind of from procreation user architecture system, comprise: comprise user identity management module, user gradation administration module and Point Management Module, wherein, identity information is also exported to user gradation management system module by user identity management module determination user identity; User gradation administration module is determined the grade of user and user gradation information is exported to Point Management Module; Point Management Module calculates user's current integration according to user gradation.Described user identity comprises two kinds, specially invites user and growth user (except specially inviting with other user outdoor).The described user of specially inviting can be that bank invites especially, the registered user also namely directly specified by bank or by specially inviting user to invite, and can arrange the invitation quantity of requirement as required, such as 2.The described user of specially inviting is the highest ranking of user gradation management system module, as shown in the A in Fig. 2, specially invites user to be A.Specially invite user can have special mark; Enjoy growth user's all power and obligation; Be directly root user A, Lv7 level user; Others can be invited to become and to specially invite user.
Described growth user is by registering or user's recommendation of growing up; Recommend without others, the user directly registered is as root user; Recommend others to become growth user, recommend the father node of artificial recommended people, recommended people is the child node of referrer, B and C is as shown in Figure 2 the child node of A, and D, E and F are the child nodes of B, and G, H and J are the child nodes of C; Growth user is integration from 0 point.
Whether described user gradation administration module invites user to determine the grade of growth user according to growth user, and class information is exported to user gradation system management module.User gradation is divided into some ranks according to integration from bottom to up, and as shown in Figure 4, user gradation mark as shown in Figure 3, is divided into 8 grades, assigns to 840 be divided into the first estate from 0, and 840 assign to 2940 is divided into the second grade etc.Wherein also be divided into 7 levels in each grade.Described level definition is as follows:
Rating fraction=rank score * number of levels, i.e. Sn=Φ n*n;
Wherein the determination of Φ n mark by bank according to rule adjustment.As Φ 1=120 divides, n=7 level, then S1=840 divides, and namely 0 to 840 is divided into the first estate, has 7 levels in the first estate, every layer of mark 120 points, by that analogy.Described integral management system improves personal information degree, signing banking, residing grade according to user, invites user situation to carry out reward on total mark.
A kind of from procreation user system method for designing, comprise the steps: step 1: user identity management module builds user identity according to user sources; Step 2: user gradation administration module according to user identity, whether invite user to build user gradation; Step 3: Point Management Module calculates user's current integration according to user gradation, and improve personal information degree, signing banking according to user, invite user situation to carry out reward on total mark.
Specially inviting in user and growth user, a tree-shaped structure be formed according to inviting during registration the precedence of (recommendation) as the relation between invited party and the user of invited party.In this tree structure, invite (recommendation) people for being invited to the father node of (recommendation) people, be invited to the child node that (recommendation) artificially invites (recommendation) people, be invited to (recommendation) if people invites (recommendation) user to register again, so the user of new registration is for being invited to (recommendation) people child node, for initially inviting the grandchild node of (recommendation) people.By that analogy.Wherein first be not invited to (recommendation) and the user directly registered as root node, do not invite (recommendation) anyone user registered as leaf node after registering.
Wherein specially invite user directly can regard as certain higher user class, and be root user in customer relationship figure.
In Point Management Module, the management of user integral is comprised, improve personal information degree, signing banking (such as buying finance product etc.) according to user, invite user situation to carry out reward on total mark.Include but not limited to updates, strengthening user profile, buy finance product etc., invite (recommendation) user registration.
Weak real name user, disposable award 1000 points; After reinforcement information, upgrade to strong real name user, disposable award 3000 points.User, on banking system platform or by third party software account, is registered as registered user.By improving the customer basis such as ID (identity number) card No., telephone number data, being converted to weak real name user from registered user, can integration being obtained; By bank outlets' on-site verification customer information, be converted to strong real name user from weak real name user, can integration be obtained; User completes register on banking system platform, can obtain associated quad; User buys finance product, in proportion reward points, and formula is: N=M*D* μ, and wherein N is integration, and M is the amount of money (unit is ten thousand yuan) buying financing, and D is the date (unit is sky) bought, and μ is coefficient.As: during μ=100, rewarding mark is: the amount of money (ten thousand yuan) the * date (my god) * coefficient (100), that is: 1*365*100=36500 divides.10000 yuans of amount of money are bought finance product year and a day and can be obtained 36500 integrations; Other business conducts of user obtain integration, as transferred accounts, foreign exchange trading, bill payment etc.
Invite the reward on total mark of (recommendation) user registration as shown in Figure 5.User recommends new user to register can obtain integration, and the number according to recommending obtains real-time rewards, is specifically divided into five kinds of policies of rewards.
The first is rewarded as basic prize.This rewards is according to recommending the number of successful registration to be divided into some ranks, and the coefficient μ wherein rewarded can increase progressively according to rank.If 0 people is L1 rank to 16 people, award coefficient μ 1=1, namely often recommends 1 people to reward 1 point when the total number of persons recommended reaches L1 rank; 16 people are L2 rank to 48 people, award coefficient μ 2=3, often recommend 1 people to reward 3 points, by that analogy when the total number of persons namely recommended reaches L2 rank.Wherein highest ranking coefficient μ 8=21, after the total number of persons of recommendation is more than or equal to 800 people, often recommends 1 people to reward 21 points.User is directly recommended to register in order to reward this user, when this user and all child nodes and branch's total number of persons thereof reach highest ranking require time, disposable reward points: N=Τ * ω, wherein Τ is the one-level child node quantity that current user has, ω is coefficient, as ω=20.
The second is rewarded as consolation prize, by all nodes under father node and all child nodes of this node and item thereof until leaf node is considered as a group, then the grade of basic prize is assert according to the number of group, determine according to group's total number of persons from top to bottom when basic prize mark is provided, because award coefficient is different, additional mark is rewarded to father node, as consolation prize.As father node group total number of persons reaches 800, basic prize grade is L8, award coefficient μ 8=21, wherein certain child node group total number of persons is not to 10 people, basic prize grade is L1, award coefficient μ 1=1, then often recommend 1 people's registration in this child node group, it is that μ 1=1 divides that child node group should obtain mark, it is that μ 8=21 divides that father node group should obtain mark, when system provides award from top to bottom, first father node group 21 points is rewarded, then need to reward child node group 1 point, namely from 21 before point, take out 1 point to provide to child node group, remaining mark (21-1)=20 point is rewarded to father node as consolation prize.
The third rewards as compensating prize, namely in order to carry out certain compensation to father node because child node group cannot obtain consolation prize from this child node after reaching highest level, when the grade that child node group encourages substantially obtains highest level (as L8), bank can reward father node integration, and concrete integration shows as certain coefficient and is multiplied by this child node group total number of persons (as 800 people).
Reward as consolation prize, when the grade that namely the child node group of father node encourages substantially does not reach highest ranking (as L8), in order to comfort that father node provides this award for 4th kind.Namely all below highest ranking, the child node group (as between L2 to L7) on initial grade, total number of persons is added up and is reached certain requirement rear (more than 1600 people), and bank rewards the integration that certain coefficient is multiplied by this total number of persons.After obtaining consolation prize, when again providing consolation prize, these child node groups that this statistics is crossed no longer include in new consolation prize scope of statistics, until these child node group Zhong You child node groups encourage after grade reaches highest ranking (as L8) substantially, can lift restrictions.
5th kind of award is prize of keeping forging ahead, when highest level child node group (as the L8) quantity of father node reaches n group (as 3 groups) and is above, can obtain the integration that bank rewards, this integration is multiplied by certain coefficient for this Ji Zu child node group total number of persons.If also have subordinate's child node also to reach the condition obtaining this award under this child node group item, then the prize mark of keeping forging ahead of this subordinate's child node returns this child node to own.When father node after rewarding granting of keeping forging ahead is kept forging ahead as again got and encouraged, the child node group added up during statistics, need be removed.
Architecture system of the present invention, comprises the framework of user's system and corresponding user integral system, can not only set up relevant user model fast, make it possible to the behavior auto-update according to user, realize the intelligent management of user.Also can improve user's enthusiasm simultaneously, make bank-user energy health, sustainable development, enhance the specific aim of marketing of bank activity, reach in the fast-developing object of internet finance.
More than show and describe ultimate principle of the present invention, principal character and advantage of the present invention.The technician of the industry should understand; the present invention is not restricted to the described embodiments; what describe in above-described embodiment and instructions just illustrates principle of the present invention; the present invention also has various changes and modifications without departing from the spirit and scope of the present invention, and these changes and improvements all fall in the claimed scope of the invention.Application claims protection domain is defined by appending claims and equivalent thereof.
Claims (8)
1., from a procreation user system method for designing, it is characterized in that, comprise the steps:
Step 1: user identity management module builds user identity according to user sources;
Step 2: user gradation administration module according to user identity, whether invite user to build user gradation;
Step 3: Point Management Module calculates user's current integration according to user gradation, and improve personal information degree, signing banking according to user, invite user situation to carry out reward on total mark.
2., from a procreation user architecture system, it is characterized in that, comprise user identity management module, user gradation administration module and Point Management Module, wherein,
Identity information is also exported to user gradation management system module by user identity management module determination user identity;
User gradation administration module is determined the grade of user and user gradation information is exported to Point Management Module;
Point Management Module calculates user's current integration according to user gradation.
3. system according to claim 2, is characterized in that, described user identity comprises specially invites user and growth user.
4. system according to claim 2, is characterized in that, described in specially invite user directly to be specified by bank or by specially inviting user to invite.
5. system according to claim 2, is characterized in that, described growth user is by registering or user's recommendation of growing up.
6. system according to claim 2, is characterized in that, described in specially invite user to be the highest ranking of user gradation management system module.
7. system according to claim 2, is characterized in that, whether described user gradation administration module invites user to determine the grade of growth user according to growth user, and class information is exported to user gradation system management module.
8. system according to claim 2, is characterized in that, described integral management system improves personal information degree, signing banking, residing grade according to user, invites user situation to carry out reward on total mark.
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| CN201510734187.2A CN105427164A (en) | 2015-11-03 | 2015-11-03 | Design method and design system for self-reproduction user system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107688996A (en) * | 2016-08-04 | 2018-02-13 | 上海前隆信息科技有限公司 | A kind of method, apparatus and equipment for encouraging user |
| CN110020345A (en) * | 2017-09-07 | 2019-07-16 | 上海诺亚投资管理有限公司 | Financial Information exchange method and device based on ranking |
| CN110298636A (en) * | 2019-07-03 | 2019-10-01 | 宁波种民网络有限公司 | Personal management system based on interactive network |
| CN113821697A (en) * | 2021-11-23 | 2021-12-21 | 杭州金线连科技有限公司 | Statistical method and device for user invitation relation |
-
2015
- 2015-11-03 CN CN201510734187.2A patent/CN105427164A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107688996A (en) * | 2016-08-04 | 2018-02-13 | 上海前隆信息科技有限公司 | A kind of method, apparatus and equipment for encouraging user |
| CN110020345A (en) * | 2017-09-07 | 2019-07-16 | 上海诺亚投资管理有限公司 | Financial Information exchange method and device based on ranking |
| CN110298636A (en) * | 2019-07-03 | 2019-10-01 | 宁波种民网络有限公司 | Personal management system based on interactive network |
| CN113821697A (en) * | 2021-11-23 | 2021-12-21 | 杭州金线连科技有限公司 | Statistical method and device for user invitation relation |
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