CN109285063A - A kind of credit card equity tendency judgement system based on big data analysis - Google Patents
A kind of credit card equity tendency judgement system based on big data analysis Download PDFInfo
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- CN109285063A CN109285063A CN201710591548.1A CN201710591548A CN109285063A CN 109285063 A CN109285063 A CN 109285063A CN 201710591548 A CN201710591548 A CN 201710591548A CN 109285063 A CN109285063 A CN 109285063A
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- 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
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- G06Q30/0201—Market modelling; Market analysis; Collecting market data
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- 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
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Abstract
A kind of credit card equity tendency judgement system based on big data analysis, it is related to credit card field, including Data collecting conversion module, for accessing personal credit information basic database, receiving customer data and converting the data with big data preprocessing module corresponding interface for customer data；Big data preprocessing module, it pre-processes for being stored and being pre-processed to customer data by way of cloud, while by the monofile that multifile, a plurality of record processing are formed as unit of single client for realizing load balancing, resource virtualizing and Distributed Storage management；The data are carried out the analysis of type of preferences for receiving the monofile data as unit of single client by intelligent analysis module；Information display module, synthesis is carried out by visualization technique prize analysis data hierarchy grade, is showed in real time, the application provides a kind of credit card equity tendency judgement system based on big data analysis, to improve the differentiation of credit cards product and service, increase client's viscosity.
Description
Technical field
The present invention relates to credit card fields, and in particular to a kind of credit card equity tendency judgement system based on big data analysis
System.
Background technique
Big data internally can be provided for user with power-assisted fault management, the network optimization, user's marketing and preferably be used body
It tests, cuts operating costs and promote efficiency of operation, externally can be by data mining analysis, generate various granularities summarizes data
Collection is supplied to foreign enterprises client in a manner of data-interface and data report, and enterprise is helped to understand user, improves competitiveness, together
When be also that all kinds of Business Consultations bring new growth point and more business opportunities.
The credit card quantity of each issued by banks in China is up to 300,000,000 at present, credit card has become main in resident living
One of cashless payment tool, however credit card field market competition means are single in financial industry at present, for credit card
The research of related data, all there are no being formed to standardize, causes differentiated service not significant, has three one-tenth nearly still in manual analysis
Card holder think that each row credit card does not have difference, therefore how to increase the differentiation of products & services, become competition among banks
The significant problem faced.
Summary of the invention
Mentioned above in order to solve the problems, such as, the application provides a kind of credit card equity trend based on big data analysis and sentences
Determine system, to improve the differentiation of credit cards product and service, increase client's viscosity, its technical solution is as follows:
A kind of credit card equity tendency judgement system based on big data analysis, comprising:
Data collecting conversion module receives customer data and by customer data for accessing personal credit information basic database
It is converted into the data with big data preprocessing module corresponding interface；
Big data preprocessing module, for being stored and being pre-processed to customer data by way of cloud, while will be mostly literary
Part, a plurality of monofile for recording processing formation as unit of single client are simultaneously sent to intelligent analysis module, and the pretreatment is used
In realization load balancing, resource virtualizing and Distributed Storage management；
Intelligent analysis module for receiving the monofile data as unit of single client, and summarizes carry out big data analysis, will
The analysis of data progress type of preferences；
Output module, for exporting the analysis data in intelligent analysis module；
Information display module carries out synthesis by visualization technique prize analysis data hierarchy grade, shows in real time, comprising: is visual
Change chart, analysis report.
Further, the big data preprocessing module includes big data memory module and system management module；
The big data memory module stores customer data by distributed structure/architecture；
The system management module for realizing load balancing, resource virtualizing and Distributed Storage management and applies journey
Sequence programming interface api interface function.
Further, the customer data specifically includes；
Client basic data: including client personal information, i.e. age, gender, educational background and income level；
Client credit card data: including the credit card quantity, credit card amount, credit card history consumer record, credit card possessed
History overdraw record；
Credit card equity data: remember including credit card itself equity data, client's equity activation record and corresponding activity time
Record.
It further, further include operation monitoring module；
The operation monitoring module monitors in real time for the overall operation situation to system, and monitoring information is sent to
The information display module carries out concentration displaying.
It further, further include statistics timing module；
The statistics timing module reaches a default counting for being counted according to predetermined period, and counting each time
Prompt information is generated when the period.
Further, the Visual Chart includes according to template assembly chart and customized assembly chart；
Referred to according to template assembly chart: the specific chart that analysis data are loaded into formulation is shown；
Customized assembly chart makes custom chart according to the parameter defined in advance, and the custom chart for meeting specification is added
It is downloaded in system chart；
Specific chart and custom chart include histogram, coordinate diagram and hotspot graph.
Further, the analysis of the type of preferences is particular by counting, analyze client credit card in some period
The movable distribution of equity and the type of preferences of client is judged using amount, and the preference of client in the period is judged according to amount
Degree.
According to above-mentioned technical proposal, the present invention utilizes cloud big data technology, and acquisition comes from personal credit information basis number
According to the credit card information and credit card equity action message of client in library, and it is comprehensive according to credit card equity action message historical record
Credit card equity type of preferences and preference that intellectual analysis goes out client in some cycles are closed, and eventually by including column
Visual Charts, the analysis reports such as figure, coordinate diagram and hotspot graph intuitively show in real time, by customer priorities in certain period in the market
Credit card equity type and rule are shown at a glance, significantly reduce the data of artificially collecting, the working strength of analysis
And the time, facilitate related personnel rationally to carry out the movable arrangement of credit card equity according to market trend, improves working efficiency.
Detailed description of the invention
Below by specific embodiment combination attached drawing, invention is further described in detail.
Fig. 1 is system framework figure of the invention.
Wherein, 1, Data collecting conversion module；2, big data preprocessing module；20, big data memory module；21, system
Management module；3, intelligent analysis module；4, monitoring module is run；5, information display module；6, timing module is counted；7, mould is exported
Block.
Specific embodiment
Below by specific embodiment combination attached drawing, invention is further described in detail.
As shown in Figure 1, a kind of credit card equity tendency judgement system based on big data analysis, comprising:
Data collecting conversion module 1 receives customer data and by customer data for accessing personal credit information basic database
It is converted into the data with 2 corresponding interface of big data preprocessing module；
Big data preprocessing module 2, for being stored and being pre-processed to customer data by way of cloud, while will be mostly literary
Part, a plurality of monofile for recording processing formation as unit of single client are simultaneously sent to intelligent analysis module 3, and the pretreatment is used
In realization load balancing, resource virtualizing and Distributed Storage management；
Intelligent analysis module 3 for receiving the monofile data as unit of single client, and summarizes carry out big data analysis,
The data are carried out to the analysis of type of preferences；
Monitoring module 4 is run, is monitored in real time for the overall operation situation to system, and monitoring information is sent to described
Information display module 5 carries out concentration displaying；
Timing module 6 is counted, reaches a pre-designed one number time for being counted according to predetermined period, and counting each time
Shi Shengcheng prompt information；
Output module 7, for exporting the analysis data in intelligent analysis module；
Information display module 5 carries out synthesis by visualization technique prize analysis data hierarchy grade, shows in real time, comprising: is visual
Change chart, analysis report.
The big data preprocessing module 2 includes big data memory module 20 and system management module 21；
The big data memory module 20 stores customer data by distributed structure/architecture；
The system management module 21, for realizing load balancing, resource virtualizing and Distributed Storage management and application
Program Interfaces api interface function.
The customer data specifically includes；
Client basic data: including client personal information, i.e. age, gender, educational background and income level；
Client credit card data: including the credit card quantity, credit card amount, credit card history consumer record, credit card possessed
History overdraw record；
Credit card equity data: remember including credit card itself equity data, client's equity activation record and corresponding activity time
Record.
The Visual Chart includes according to template assembly chart and customized assembly chart；
Referred to according to template assembly chart: the specific chart that analysis data are loaded into formulation is shown；
Customized assembly chart makes custom chart according to the parameter defined in advance, and the custom chart for meeting specification is added
It is downloaded in system chart；
Specific chart and custom chart include histogram, coordinate diagram and hotspot graph.
The analysis of the type of preferences is particular by counting, analyze client credit card equity in some period movable
It is distributed and judges using amount the type of preferences of client, and judge the preference of client in the period according to amount.
Use above specific case is illustrated the present invention, is merely used to help understand the present invention, not to limit
The system present invention.For those skilled in the art, according to the thought of the present invention, can also make several simple
It deduces, deform or replaces.
Claims (7)
1. a kind of credit card equity tendency judgement system based on big data analysis characterized by comprising
Data collecting conversion module receives customer data and by customer data for accessing personal credit information basic database
It is converted into the data with big data preprocessing module corresponding interface；
Big data preprocessing module, for being stored and being pre-processed to customer data by way of cloud, while will be mostly literary
Part, a plurality of monofile for recording processing formation as unit of single client are simultaneously sent to intelligent analysis module, and the pretreatment is used
In realization load balancing, resource virtualizing and Distributed Storage management；
Intelligent analysis module for receiving the monofile data as unit of single client, and summarizes carry out big data analysis, will
The analysis of data progress type of preferences；
Output module, for exporting the analysis data in intelligent analysis module；
Information display module carries out synthesis by visualization technique prize analysis data hierarchy grade, shows in real time, comprising: is visual
Change chart, analysis report.
2. a kind of credit card equity tendency judgement system based on big data analysis as described in claim 1, which is characterized in that
The big data preprocessing module includes big data memory module and system management module；
The big data memory module stores customer data by distributed structure/architecture；
The system management module for realizing load balancing, resource virtualizing and Distributed Storage management and applies journey
Sequence programming interface api interface function.
3. a kind of credit card equity tendency judgement system based on big data analysis as described in claim 1, which is characterized in that
The customer data specifically includes；
Client basic data: including client personal information, i.e. age, gender, educational background and income level；
Client credit card data: including the credit card quantity, credit card amount, credit card history consumer record, credit card possessed
History overdraw record；
Credit card equity data: remember including credit card itself equity data, client's equity activation record and corresponding activity time
Record.
4. a kind of credit card equity tendency judgement system based on big data analysis as claimed in claim 2, which is characterized in that
It further include operation monitoring module；
The operation monitoring module monitors in real time for the overall operation situation to system, and monitoring information is sent to
The information display module carries out concentration displaying.
5. a kind of credit card equity tendency judgement system based on big data analysis as claimed in claim 2, which is characterized in that
It further include statistics timing module；
The statistics timing module reaches a default counting for being counted according to predetermined period, and counting each time
Prompt information is generated when the period.
6. a kind of credit card equity tendency judgement system based on big data analysis as described in claim 1, which is characterized in that
The Visual Chart includes according to template assembly chart and customized assembly chart；
Referred to according to template assembly chart: the specific chart that analysis data are loaded into formulation is shown；
Customized assembly chart makes custom chart according to the parameter defined in advance, and the custom chart for meeting specification is added
It is downloaded in system chart；
Specific chart and custom chart include histogram, coordinate diagram and hotspot graph.
7. a kind of credit card equity tendency judgement system based on big data analysis as described in claim 1, which is characterized in that
The analysis of the type of preferences particular by count, analyze client credit card equity in some period it is movable distribution and make
The type of preferences of client is judged with amount, and the preference of client in the period is judged according to amount.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710591548.1A CN109285063A (en) | 2017-07-19 | 2017-07-19 | A kind of credit card equity tendency judgement system based on big data analysis |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710591548.1A CN109285063A (en) | 2017-07-19 | 2017-07-19 | A kind of credit card equity tendency judgement system based on big data analysis |
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| CN109285063A true CN109285063A (en) | 2019-01-29 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110162550A (en) * | 2019-04-15 | 2019-08-23 | 平安科技（深圳）有限公司 | Visualize statistical graph generation method, device, computer equipment and storage medium |
| CN110348982A (en) * | 2019-05-21 | 2019-10-18 | 平安银行股份有限公司 | Data verification method up to standard and device, electronic equipment and non-transient storage media |
| CN111815439A (en) * | 2020-07-23 | 2020-10-23 | 睿智合创(北京)科技有限公司 | Credit scoring system based on cloud platform |
| CN114936252A (en) * | 2022-04-24 | 2022-08-23 | 贵州财经大学 | Credit card customer attrition data dimension reduction visual analysis method based on semantic feature set |
-
2017
- 2017-07-19 CN CN201710591548.1A patent/CN109285063A/en not_active Withdrawn
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110162550A (en) * | 2019-04-15 | 2019-08-23 | 平安科技（深圳）有限公司 | Visualize statistical graph generation method, device, computer equipment and storage medium |
| CN110162550B (en) * | 2019-04-15 | 2024-03-01 | 平安科技（深圳）有限公司 | Visualized statistical chart generation method and device, computer equipment and storage medium |
| CN110348982A (en) * | 2019-05-21 | 2019-10-18 | 平安银行股份有限公司 | Data verification method up to standard and device, electronic equipment and non-transient storage media |
| CN111815439A (en) * | 2020-07-23 | 2020-10-23 | 睿智合创(北京)科技有限公司 | Credit scoring system based on cloud platform |
| CN111815439B (en) * | 2020-07-23 | 2021-05-18 | 睿智合创(北京)科技有限公司 | Credit scoring system based on cloud platform |
| CN114936252A (en) * | 2022-04-24 | 2022-08-23 | 贵州财经大学 | Credit card customer attrition data dimension reduction visual analysis method based on semantic feature set |
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Address after: Room 9951, Building 3, 1800, Panyuan Road, Changxing Town, Chongming County, Shanghai, 202150 (Shanghai Tai and Economic Development Zone) Applicant after: Shanghai Zhenke Information Technology Service Co.,Ltd. Address before: Room 9951, Building 3, 1800, Panyuan Road, Changxing Town, Chongming County, Shanghai, 202150 (Shanghai Tai and Economic Development Zone) Applicant before: SHANGHAI ZHENKE BUSINESS CONSULTING Co.,Ltd. |
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Application publication date: 20190129 |