CN108596755A - The recognition methods of the potential valuable client of bank a kind of and system - Google Patents
The recognition methods of the potential valuable client of bank a kind of and system Download PDFInfo
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Abstract
The present invention provides the recognition methods of the potential valuable client of bank a kind of and system, this method to include：Customer information of the acquisition client in current bank；It is scored the customer information according to customer information and corresponding default code of points, to obtain the potential value point corresponding at least customer information of the client；To the corresponding potential value of all customer informations of the client point summation, total potential value point of the client is obtained, is worth whether client described in point threshold decision is potential valuable client in conjunction with preset potential customers；Wherein, the customer information includes at least：One or more combinations in assets information, attribute information, transaction journal information, basic information, academic information.Using the embodiment of the present invention, bank is contributed to excavate potential valuable client, to carry out marketing and customer relationship maintenance to potential valuable client according to the standard of bank, promotes outstanding achievement of banks, reinforce the competitiveness of banking service.
Description
Technical field
The present invention relates to the recognition methods of technical field of data processing more particularly to a kind of potential valuable client of bank and
System.
Background technology
With the fast development of the Internet bank, each internet finance constantly identifies valuable client using big data, passes
System bank is more or the current profitability based on client goes evaluation client, does not excavate potential valuable client,
The achievement of bank is increased, especially long term growth is unfavorable.For banking, be good at be identify it is current valuable
Client is relatively difficult for how to excavate potential valuable client, but if nonrecognition go out it is potential valuable
Client, the new cost for opening up client is very high, relies solely on current valuable client and is unfavorable for achievement growth and long-range competitiveness.
Invention content
Currently, not yet there is the method for the evaluation customer potential value of systematization in banking, in order to identify that bank is potential
Valuable client, the present invention propose a kind of method for excavating potential valuable client.
On the one hand, the embodiment of the present invention provides a kind of recognition methods of the potential valuable client of bank, the method includes：
Step S1, customer information of the acquisition client in current bank；
Step S2 scores to the customer information according to customer information and corresponding default code of points, to obtain
Potential value point corresponding at least customer information of the client；
Step S3 obtains the total of the client to the corresponding potential value of all customer informations of the client point summation
Potential value point is worth whether client described in point threshold decision is potential valuable client in conjunction with preset potential customers；
Wherein, the customer information includes at least：Assets information, attribute information, transaction journal information, basic information,
Go through one or more combinations in information.
On the other hand, the embodiment of the present invention additionally provides a kind of identifying system of the potential valuable client of bank, the system
System includes：
Customer information acquiring unit, for obtain client current bank customer information；
Score unit, for being scored the customer information according to customer information and corresponding default code of points,
To obtain the potential value point corresponding at least customer information of the client；
Potential valuable client's judging unit is asked for the corresponding potential value point of all customer informations to the client
With, obtain total potential value point of the client, in conjunction with preset potential customers be worth client described in point threshold decision whether be
Potential valuable client；
Wherein, the customer information includes at least：Assets information, attribute information, transaction journal information, basic information,
Go through one or more combinations in information.
Using the embodiment of the present invention, bank is contributed to excavate potential valuable client, to be given according to the standard of bank
Potential valuable client carries out marketing and customer relationship is safeguarded, promotes outstanding achievement of banks, reinforces the competitiveness of banking service.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is the substantially flow diagram of the recognition methods of the potential valuable client of bank provided in an embodiment of the present invention；
Fig. 2 is customer information when including assets information, determines the substantially flow of the corresponding potential value point of assets information；
Fig. 3 is customer information when including attribute information, determines the substantially flow of the corresponding potential value point of attribute information；
Fig. 4 is customer information when including transaction journal information, determines the big of the corresponding potential value point of transaction journal information
Cause flow；
Fig. 5 is customer information when including basic information, determines the substantially flow of the corresponding potential value point of basic information；
Fig. 6 is customer information when including academic information, determines the substantially flow of the corresponding potential value point of educational background information；
Fig. 7 is the general configuration schematic diagram of the identifying system of the potential valuable client of bank provided in an embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall within the protection scope of the present invention.
Fig. 1 is the recognition methods of the potential valuable client of bank provided in an embodiment of the present invention.As shown in Figure 1, this method
It mainly includes the following steps that：
Step S1, customer information of the acquisition client in current bank.
Normally, above-mentioned customer information can be the information and later stage guest operation that client is filled out when current bank is registered
Generated information when its account can also include the customer information that other are obtained by legal means, such as pass through big data
Crawl is obtained by third-party application mandate.Wherein, the customer information described in the embodiment of the present application includes at least：Assets
One or more combinations in information, attribute information, transaction journal information, basic information, academic information.
Step S2 scores to the customer information according to customer information and corresponding default code of points, to obtain
Potential value point corresponding at least customer information of the client.
Normally, default code of points herein can be set according to the classification of customer information.For example, a kind of for certain
Other customer information (if being assets information), then can according to assets number assign customer potential value point.
Step S3 obtains the total of the client to the corresponding potential value of all customer informations of the client point summation
Potential value point is worth whether client described in point threshold decision is potential valuable client in conjunction with preset potential customers.
When client to be identified in current bank there are when more multi-class customer information, can respectively be obtained according to step S2
The corresponding potential value point of all categories customer information, then sums in step s3, obtains the total latent of identification client
In value point, finally a point threshold value is worth with preset potential customers and be compared, if the former is not less than the latter, illustrate this
Client is to have potential value client.
Using recognition methods provided in an embodiment of the present invention, bank can be helped to excavate potential valuable client, with
Marketing is carried out to potential valuable client according to the standard of bank and customer relationship is safeguarded, promote outstanding achievement of banks, reinforce bank's hair
The competitiveness of exhibition.
It in one embodiment,, can be by when being scored using step S2 when customer information includes assets information
It is carried out according to flow shown in Fig. 2.First, according to the assets information of client, judge whether client is small in the assets amount of money of current bank
In the first preset cost (such as 100,000).If client is not less than the 100000 first default gold in the assets amount of money of current bank
Volume, then it is 1 to split the corresponding potential value of assets information.If client is less than 100,000 in the assets amount of money of current bank,
The corresponding potential value point of the assets information can be calculated according to the following formula：
The corresponding potential value point=assets amount of money/100,000 of assets information
It is only one embodiment of the invention that above-mentioned first preset cost, which takes 100,000, when it is implemented, the value can be according to practical feelings
Condition is set, and the present invention is not intended to limit.
It in one embodiment,, can be by when being scored using step S2 when customer information includes attribute information
It is carried out according to flow shown in Fig. 3.First, according to the attribute information of acquisition, judge whether the client pays out wages in the generation of current bank
On list.If the client is not paid out wages in the generation of current bank on list, the corresponding potential value of its attribute information is split
It is 0.If the client is paid out wages in the generation of current bank on list, it need to further judge that the client sends out in the generation of current bank
Whether month rate of pay is more than default monthly pay (such as 10,000), if the Dai Fayue rate of pay of the client is more than 10,000, by the client
The corresponding potential value of attribute information to split be 1.If the Dai Fayue rate of pay of the client is not more than 10,000, according to
The real hair amount of money calculates potential value point, you can the corresponding potential value point of attribute information of the client is calculated using following formula：
Corresponding potential value point=Dai Fayue rate of pay/10,000 of attribute information
It is only one embodiment of the invention that above-mentioned default monthly pay, which takes 10,000, when it is implemented, the value can be set according to actual conditions
Fixed, the present invention is not intended to limit.
In one embodiment, when customer information includes transaction journal information, then scoring using step S2
When, it can be carried out according to flow shown in Fig. 4.First, according to acquired transaction journal information, judge whether deposited in transaction journal
In the single transaction more than the second preset cost (such as 100,000).If there is the single transaction more than 100,000 in transaction journal,
It is 0.5 that then the corresponding first flowing water potential value of the transaction journal information of the client, which is split,.If be not present in transaction journal
Single transaction more than 100,000 then can calculate this part potential value point, that is, under utilizing according to actual single maximum dollar amount
Formula calculates the corresponding first flowing water potential value point of transaction journal information of the client：
Corresponding first flowing water potential value point=single maximum transaction amount/100,000 × 0.5 of transaction journal information
Then, then judge in the transaction journal information with the presence or absence of the credit card purchase amount of money more than third preset cost
The single of (such as 10,000) is merchandised.If there are the single friendships that the credit card purchase amount of money is more than 10,000 in the transaction journal of the client
Easily, then it is 0.5 to split the corresponding second flowing water potential value of client trading flowing water information.If be not present in transaction journal
The credit card purchase amount of money is more than 10,000 single transaction, then can calculate the client trading flowing water information corresponding the according to the following formula
Two flowing water potential values point：
Corresponding second flowing water potential value point=single credit max card spending amount/10,000 × 0.5 of transaction journal information
Finally, to the corresponding two parts of client trading flowing water information：First flowing water potential value point and the second flowing water are latent
It sums in value point, obtains the corresponding potential value point of transaction journal information.
It is only one embodiment of the invention, specific implementation that above-mentioned second preset cost, which takes 100,000, third preset cost to go 10,000,
When, which can be set according to actual conditions, and the present invention is not intended to limit.
In one embodiment, when customer information includes basic information, then when being scored using step S2, it can
To be carried out according to flow shown in Fig. 5.It is possible, firstly, in first judging the basic information of the client whether include client's certificate address information,
One or more of information of vehicles or telephone number.Wherein, when the basic information of the client includes client's certificate address information,
Judge whether client address belongs to wealthier suburb according to client's certificate address information.When carrying out the step and judging, such as may be used big
The mode of data grabber obtains the room rate information in its address from network, determines whether room rate in conjunction with local average room rate information
Higher area then judges that client address is located at wealthier suburb in this way.If client address is located at wealthier suburb, by the basis of the client
It is 0.4 that the corresponding first foundation information potential value of information, which is split, and it is 0 otherwise to split first foundation information potential value.When
When the basic information of the client includes information of vehicles, it can judge that vehicle is according to the brand of vehicle or the price etc. of vehicle
No is luxury car.If the vehicle of the client is luxury car, by the corresponding potential valence of second basic information of the basic information of the client
It is 0.4 that value, which is split, and it is 0 otherwise to split the second basic information potential value.When the basic information of the client includes phone number
When code, judge whether telephone number is VIP numbers.If the telephone number is VIP numbers, then by the basic information pair of the client
It is 0.2 that the third basic information potential value answered, which is split, and it is 0 otherwise to split the third basic information potential value.Finally,
Above-mentioned first foundation information potential value point, first foundation information potential value point and third basic information potential value point are asked
With obtain the basic information corresponding potential value point of the client.Wherein, when information of vehicles is not present in basic information, that
The second basic information potential value corresponding with this basic information of information of vehicles is graded in 0, remaining basic information is similar.
In one embodiment, when customer information includes academic information, then when being scored using step S2, it can
To be carried out according to flow shown in Fig. 6.First, judge whether client is university student according to the academic information of client.For example, if visitor
If family fills in graduation universities and colleges when current bank is registered or currently attends universities and colleges, just think that client is university
Raw, at this point, it is university student that system, which thinks client not, if client does not fill in, which is a condition judgment, with client
True academic information do not conflict.If the decision is that " client is not university student ", then corresponding by its academic information
It is 0 that potential value, which is split,.If the decision is that " client is university student ", then can further judge in client's educational background information
Including school whether be emphasis university (for example, judging whether school is 985/211 universities and colleges etc.).If it is key university, then
It is 2 that the corresponding potential value of academic information of the client, which is split, otherwise by the corresponding potential value of its academic information split for
1。
It sums after obtaining all customer informations corresponding potential value of the client in current bank and dividing, obtains client
Total potential value point, for example, when customer information includes assets information, attribute information, transaction journal information, basic information and
When going through information, the corresponding potential value point+corresponding potential valence of attribute information of total potential value point=assets information of the client
The corresponding potential value point of the corresponding potential value point+basic information of value point+transaction journal information+academic information is corresponding potential
Value point.Total potential value of the client point is compared with preset customer value point threshold value again, if after the former is less than
Person, if the former is more than or equal to the latter, judges that the client is to work as then the client then not has potential value client
There is potential value client in preceding bank.
The embodiment of the present invention can make full use of existing bank data, systematically identify potential valuable client, can be with
Valuable client is obtained with less cost, promotes the achievement of bank.Even if client's actual assets are relatively high but current
Bank portfolio is low, and the embodiment of the present invention is also based on assets, transaction, consumption and basic information to judge it is latent whether client has
It is being worth.Also, the embodiment of the present invention is identified by pupilage to client and school's qualification, can be more accurate
Potential valuable client is identified, such as a certain client academic information be 985 universities and colleges reading, even when client works as
Preceding assets are relatively low, but the following income may be higher, also the client can be divided into potential value client by this method.
Based on inventive concept identical with the potential recognition methods of valuable client of bank shown in FIG. 1, the application is implemented
Example additionally provides a kind of identifying system of the potential valuable client of bank, as described in following example.Since system solution is asked
The principle of topic is similar to the potential recognition methods of valuable client of Tu1Zhong banks, therefore the implementation of the system may refer to Fig. 1's
The implementation of the recognition methods of the potential valuable client of bank, overlaps will not be repeated.
In another embodiment, the present invention also provides the identifying system of the potential valuable client of bank a kind of, structures
Substantially as shown in fig. 7, the system includes mainly：Customer information acquiring unit 71, scoring unit 72 and potential valuable client sentence
Disconnected unit 73.Customer information acquiring unit 71 be used for obtain client current bank customer information.The unit 72 that scores is used for root
It scores the customer information according to customer information and corresponding default code of points, to obtain at least one visitor of the client
Potential value point corresponding to the information of family.Potential valuable client's judging unit 73 is used for all customer informations to the client
Corresponding potential value point summation obtains total potential value point of the client, divides threshold value in conjunction with preset potential customers value
Judge whether the client is potential valuable client.Wherein, the customer information includes at least：Assets information, attribute information,
One or more combinations in transaction journal information, basic information, academic information.
In one embodiment, when the customer information includes assets information, scoring unit 72 is specifically used for：According to described
Assets information, judges whether client is less than the first preset cost in the assets amount of money of current bank；Such as client in current bank
The assets amount of money is not less than first preset cost, then it is 1 to split the corresponding potential value of the assets information；As client exists
The assets amount of money of current bank is less than first preset cost, then calculates the corresponding potential valence of the assets information according to the following formula
Value point：The preset cost of the assets information corresponding potential value point=assets amount of money/first.
In one embodiment, when the customer information includes attribute information, scoring unit specific 72 is used for：According to described
Attribute information, judges whether the client pays out wages in the generation of current bank on list；If the client is not or not the generation of current bank
It pays out wages on list, then it is 0 to split the corresponding potential value of the attribute information；As the client is paid out wages in the generation of current bank
On list, judge whether the Dai Fayue rate of pay of the client is more than default monthly pay；Dai Fayue rate of pay such as the client is big
In default monthly pay, then it is 1 to split the corresponding potential value of the attribute information；Dai Fayue rate of pay such as the client is little
In default monthly pay, then the corresponding potential value point of the attribute information is calculated according to the following formula：The corresponding potential value of attribute information
Point=Dai Fayue rate of pay/default monthly pay.
In one embodiment, when the customer information includes transaction journal information, scoring unit 72 is specifically used for：According to
The transaction journal information judges whether that the single more than the second preset cost is merchandised；It is more than described second pre- as existed
If the single of the amount of money is merchandised, then it is 0.5 to split the corresponding first flowing water potential value of the transaction journal information；Such as it is not present
Single more than second preset cost is merchandised, then it is latent to calculate corresponding first flowing water of the transaction journal information according to the following formula
In value point：The preset cost of transaction journal information corresponding first flowing water potential value point=single maximum transaction amount/second
×0.5；According to the transaction journal information, judge whether that the credit card purchase amount of money is more than that the single of third preset cost is handed over
Easily；The single that such as there is the credit card purchase amount of money more than third preset cost is merchandised, then the transaction journal information is corresponding
It is 0.5 that second flowing water potential value, which is split,；The single that the credit card purchase amount of money is more than third preset cost is such as not present to merchandise, then
The corresponding second flowing water potential value point of the transaction journal information is calculated according to the following formula：The corresponding second of transaction journal information
Water potential value point=single credit max card spending amount/third preset cost × 0.5；To the first flowing water potential value
Divide and the second flowing water potential value point summation, the corresponding potential value of acquisition transaction journal information are divided.
In one embodiment, when the customer information includes basic information, scoring unit 72 is specifically used for：Described in judgement
Whether include one or more of client's certificate address information, information of vehicles or telephone number in basic information；When the basis letter
When breath includes client's certificate address information, judge whether client address belongs to wealthier suburb according to client's certificate address information；Such as client
Address belongs to wealthier suburb, then it is 0.4 to split the corresponding first foundation information potential value of the basic information, otherwise will be described
It is 0 that first foundation information potential value, which is split,；When the basic information includes information of vehicles, sentenced according to the information of vehicles
Whether disconnected vehicle is luxury car；If vehicle is luxury car, then the corresponding second basic information potential value of the basic information is split
It is 0.4, it is 0 otherwise to split the second basic information potential value；When the basic information includes telephone number, sentence
Whether the telephone number that breaks is VIP numbers；If the telephone number is VIP numbers, then by the basic information corresponding the
It is 0.2 that three basic information potential values, which are split, and it is 0 otherwise to split the third basic information potential value；To described first
Basic information potential value point, first foundation information potential value are divided and third basic information potential value point summation, obtains base
The corresponding potential value point of plinth information.
In one embodiment, when the customer information includes academic information, scoring unit 72 is specifically used for：According to described
Academic information judges whether the client is university student；It is if the client is not university student, academic information is corresponding latent
It is 0 to be split in value；If the client is university student, judge whether the school in the academic information is emphasis university；Such as
School is emphasis university, then it is 2 to split the corresponding potential value of academic information, otherwise by the corresponding potential value of academic information
Split is 1.
Using the embodiment of the present invention, bank is contributed to excavate potential valuable client, to be given according to the standard of bank
Potential valuable client carries out marketing and customer relationship is safeguarded, promotes outstanding achievement of banks, reinforces the competitiveness of banking service.
It should be understood by those skilled in the art that, the embodiment of the present invention can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, the present invention can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The present invention be with reference to according to the method for the embodiment of the present invention, the flow of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Specific embodiment is applied in the present invention, and principle and implementation of the present invention are described, above example
Explanation be merely used to help understand the present invention method and its core concept；Meanwhile for those of ordinary skill in the art,
According to the thought of the present invention, there will be changes in the specific implementation manner and application range, in conclusion in this specification
Appearance should not be construed as limiting the invention.
Claims (12)
1. a kind of recognition methods of the potential valuable client of bank, which is characterized in that the method includes：
Step S1, customer information of the acquisition client in current bank；
Step S2 scores to the customer information according to customer information and corresponding default code of points, described in acquisition
Potential value point corresponding at least customer information of client；
Step S3 obtains the total potential of the client to the corresponding potential value of all customer informations of the client point summation
Value point is worth whether client described in point threshold decision is potential valuable client in conjunction with preset potential customers；
Wherein, the customer information includes at least：Assets information, attribute information, transaction journal information, basic information, educational background letter
One or more combinations in breath.
2. the recognition methods of the potential valuable client of bank according to claim 1, which is characterized in that when the client believes
When breath includes assets information, step S2 includes：
According to the assets information, judge whether client is less than the first preset cost in the assets amount of money of current bank；
It is if client is not less than first preset cost in the assets amount of money of current bank, then the assets information is corresponding latent
It is 1 to be split in value；
If client is less than first preset cost in the assets amount of money of current bank, then the assets information is calculated according to the following formula
Corresponding potential value point：The preset cost of the assets information corresponding potential value point=assets amount of money/first.
3. the recognition methods of the potential valuable client of bank according to claim 1, which is characterized in that when the client believes
When breath includes attribute information, step S2 includes：
According to the attribute information, judge whether the client pays out wages in the generation of current bank on list；
Do not pay out wages on list in the generation of current bank such as the client, then by the corresponding potential value of the attribute information split for
0；
If the client is paid out wages in the generation of current bank on list, it is default to judge whether the Dai Fayue rate of pay of the client is more than
Monthly pay；
If the Dai Fayue rate of pay of the client is more than default monthly pay, then by the corresponding potential value of the attribute information split for
1；
If the Dai Fayue rate of pay of the client is not more than default monthly pay, then it is corresponding latent that the attribute information is calculated according to the following formula
In value point：The corresponding potential value point=Dai Fayue rate of pay of attribute information/default monthly pay.
4. the recognition methods of the potential valuable client of bank according to claim 1, which is characterized in that when the client believes
When breath includes transaction journal information, step S2 includes：
According to the transaction journal information, judge whether that the single more than the second preset cost is merchandised；
As there is the single transaction more than second preset cost, then corresponding first flowing water of the transaction journal information is dived
It is 0.5 to be split in value；
If there is no the singles more than second preset cost to merchandise, then the transaction journal information is calculated according to the following formula and is corresponded to
The first flowing water potential value point：The corresponding first flowing water potential value point=single maximum transaction amount of transaction journal information/
Second preset cost × 0.5；
According to the transaction journal information, judge whether that the credit card purchase amount of money is more than that the single of third preset cost is handed over
Easily；
The single that such as there is the credit card purchase amount of money more than third preset cost is merchandised, then the transaction journal information is corresponding
It is 0.5 that second flowing water potential value, which is split,；
The single that the credit card purchase amount of money is more than third preset cost is such as not present to merchandise, then calculates the transaction flow according to the following formula
The corresponding second flowing water potential value point of water information：The corresponding second flowing water potential value point=single of transaction journal information is maximum
The credit card purchase amount of money/third preset cost × 0.5；
To the first flowing water potential value point and the second flowing water potential value point summation, it is corresponding latent to obtain transaction journal information
In value point.
5. the recognition methods of the potential valuable client of bank according to claim 1, which is characterized in that when the client believes
When breath includes basic information, step S2 includes：
Judge in the basic information whether to include one or more of client's certificate address information, information of vehicles or telephone number；
When the basic information includes client's certificate address information, judge whether client address belongs to according to client's certificate address information
In wealthier suburb；
If client address belongs to wealthier suburb, then it is 0.4 to split the corresponding first foundation information potential value of the basic information,
Otherwise it is 0 the first foundation information potential value to be split；
When the basic information includes information of vehicles, judge whether vehicle is luxury car according to the information of vehicles；
If vehicle is luxury car, then it is 0.4 to split the corresponding second basic information potential value of the basic information, otherwise by institute
It is 0 to state the second basic information potential value and split；
When the basic information includes telephone number, judge whether the telephone number is VIP numbers；
As the telephone number be VIP numbers, then by the corresponding third basic information potential value of the basic information split for
0.2, it is 0 otherwise to split the third basic information potential value；
To the first foundation information potential value point, first foundation information potential value point and third basic information potential value
Divide summation, obtains the corresponding potential value point of basic information.
6. the recognition methods of the potential valuable client of bank according to claim 1, which is characterized in that when the client believes
When breath includes academic information, step S2 includes：
Judge whether the client is university student according to the academic information；
If the client is not university student, it is 0 that the corresponding potential value of academic information, which is split,；
If the client is university student, judge whether the school in the academic information is emphasis university；
If school is emphasis university, then it is 2 to split the corresponding potential value of academic information, otherwise that academic information is corresponding latent
It is 1 to be split in value.
7. a kind of identifying system of the potential valuable client of bank, which is characterized in that the system comprises：
Customer information acquiring unit, for obtain client current bank customer information；
Score unit, for being scored the customer information according to customer information and corresponding default code of points, to obtain
Take the potential value point corresponding at least customer information of the client；
Potential valuable client's judging unit, for summing to the corresponding potential value of all customer informations of the client point,
The total potential value point for obtaining the client is worth whether client described in point threshold decision is potential in conjunction with preset potential customers
Valuable client；
Wherein, the customer information includes at least：Assets information, attribute information, transaction journal information, basic information, educational background letter
One or more combinations in breath.
8. the identifying system of the potential valuable client of bank according to claim 7, which is characterized in that when the client believes
When breath includes assets information, the scoring unit is specifically used for：
According to the assets information, judge whether client is less than the first preset cost in the assets amount of money of current bank；
It is if client is not less than first preset cost in the assets amount of money of current bank, then the assets information is corresponding latent
It is 1 to be split in value；
If client is less than first preset cost in the assets amount of money of current bank, then the assets information is calculated according to the following formula
Corresponding potential value point：The preset cost of the assets information corresponding potential value point=assets amount of money/first.
9. the identifying system of the potential valuable client of bank according to claim 7, which is characterized in that when the client believes
When breath includes attribute information, the scoring unit is specifically used for：
According to the attribute information, judge whether the client pays out wages in the generation of current bank on list；
Do not pay out wages on list in the generation of current bank such as the client, then by the corresponding potential value of the attribute information split for
0；
If the client is paid out wages in the generation of current bank on list, it is default to judge whether the Dai Fayue rate of pay of the client is more than
Monthly pay；
If the Dai Fayue rate of pay of the client is more than default monthly pay, then by the corresponding potential value of the attribute information split for
1；
If the Dai Fayue rate of pay of the client is not more than default monthly pay, then it is corresponding latent that the attribute information is calculated according to the following formula
In value point：The corresponding potential value point=Dai Fayue rate of pay of attribute information/default monthly pay.
10. the identifying system of the potential valuable client of bank according to claim 7, which is characterized in that as the client
When information includes transaction journal information, the scoring unit is specifically used for：
According to the transaction journal information, judge whether that the single more than the second preset cost is merchandised；
As there is the single transaction more than second preset cost, then corresponding first flowing water of the transaction journal information is dived
It is 0.5 to be split in value；
If there is no the singles more than second preset cost to merchandise, then the transaction journal information is calculated according to the following formula and is corresponded to
The first flowing water potential value point：The corresponding first flowing water potential value point=single maximum transaction amount of transaction journal information/
Second preset cost × 0.5；
According to the transaction journal information, judge whether that the credit card purchase amount of money is more than that the single of third preset cost is handed over
Easily；
The single that such as there is the credit card purchase amount of money more than third preset cost is merchandised, then the transaction journal information is corresponding
It is 0.5 that second flowing water potential value, which is split,；
The single that the credit card purchase amount of money is more than third preset cost is such as not present to merchandise, then calculates the transaction flow according to the following formula
The corresponding second flowing water potential value point of water information：The corresponding second flowing water potential value point=single of transaction journal information is maximum
The credit card purchase amount of money/third preset cost × 0.5；
To the first flowing water potential value point and the second flowing water potential value point summation, it is corresponding latent to obtain transaction journal information
In value point.
11. the identifying system of the potential valuable client of bank according to claim 7, which is characterized in that as the client
When information includes basic information, the scoring unit is specifically used for：
Judge in the basic information whether to include one or more of client's certificate address information, information of vehicles or telephone number；
When the basic information includes client's certificate address information, judge whether client address belongs to according to client's certificate address information
In wealthier suburb；
If client address belongs to wealthier suburb, then it is 0.4 to split the corresponding first foundation information potential value of the basic information,
Otherwise it is 0 the first foundation information potential value to be split；
When the basic information includes information of vehicles, judge whether vehicle is luxury car according to the information of vehicles；
If vehicle is luxury car, then it is 0.4 to split the corresponding second basic information potential value of the basic information, otherwise by institute
It is 0 to state the second basic information potential value and split；
When the basic information includes telephone number, judge whether the telephone number is VIP numbers；
As the telephone number be VIP numbers, then by the corresponding third basic information potential value of the basic information split for
0.2, it is 0 otherwise to split the third basic information potential value；
To the first foundation information potential value point, first foundation information potential value point and third basic information potential value
Divide summation, obtains the corresponding potential value point of basic information.
12. the identifying system of the potential valuable client of bank according to claim 7, which is characterized in that as the client
When information includes academic information, the scoring unit is specifically used for：
Judge whether the client is university student according to the academic information；
If the client is not university student, it is 0 that the corresponding potential value of academic information, which is split,；
If the client is university student, judge whether the school in the academic information is emphasis university；
If school is emphasis university, then it is 2 to split the corresponding potential value of academic information, otherwise that academic information is corresponding latent
It is 1 to be split in value.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111126649A (en) * | 2018-10-31 | 2020-05-08 | 北京字节跳动网络技术有限公司 | Method and apparatus for generating information |
| CN111681115A (en) * | 2020-06-05 | 2020-09-18 | 深圳市卡数科技有限公司 | Salary day identification method, system, equipment and storage medium |
-
2018
- 2018-04-18 CN CN201810348209.5A patent/CN108596755A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111126649A (en) * | 2018-10-31 | 2020-05-08 | 北京字节跳动网络技术有限公司 | Method and apparatus for generating information |
| CN111126649B (en) * | 2018-10-31 | 2023-08-11 | 北京字节跳动网络技术有限公司 | Method and device for generating information |
| CN111681115A (en) * | 2020-06-05 | 2020-09-18 | 深圳市卡数科技有限公司 | Salary day identification method, system, equipment and storage medium |
| CN111681115B (en) * | 2020-06-05 | 2024-04-05 | 深圳市卡数科技有限公司 | Payday identification method, system, equipment and storage medium |
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Application publication date: 20180928 |