CN110135972A - A kind of method, apparatus, system and recording medium for improving user and moving branch rate - Google Patents
A kind of method, apparatus, system and recording medium for improving user and moving branch rate Download PDFInfo
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- CN110135972A CN110135972A CN201910330414.3A CN201910330414A CN110135972A CN 110135972 A CN110135972 A CN 110135972A CN 201910330414 A CN201910330414 A CN 201910330414A CN 110135972 A CN110135972 A CN 110135972A
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Abstract
The invention discloses the method for improving the dynamic branch rate of user, include the following steps: that obtaining user moves branch sample data, the dynamic branch sample data includes that customer attribute information and user's history move branch information；Branch sample data training user, which is moved, using the user moves branch wish Rating Model；According to the attribute information of new user, branch wish Rating Model is moved using the user after training, calculates the dynamic branch wish scoring of new user；It takes corresponding measure to improve new user according to the scoring of the dynamic branch wish of the new user and moves branch rate.The present invention can establish dynamic branch wish Rating Model, obtain accurately dynamic branch wish scoring, in turn, accurately analyze the height that user moves branch wish, improve the dynamic branch rate of user.
Description
Technical field
The invention belongs to technical field of data processing, and in particular to for business, finance the purpose of data processing system
And method, especially improve method, apparatus, system and the computer scale medium of dynamic branch rate.
Background technique
Network and Finance Network loan platform in internet is many kinds of, dog-eat-dog, and it is that a large amount of nets of attraction borrow users that each net, which borrows platform, to net
The credit threshold for borrowing user setting is lower, and not only application process is simple, requires net loan userspersonal information fewer.Although net
Platform credit is borrowed by a large number of users, credit itself does not make money to company, and only after the dynamic branch of user, company just makes money.Therefore, it moves
The higher the better for branch rate.Than passing through if any 100 people's credits, there is the dynamic branch of 30 people, that dynamic branch rate is exactly 30%.
But each net loan platform moves the model that branch wish scores to user at present, meanwhile, also there is no right
Target customer adopts an effective measure for improving dynamic branch rate.
Summary of the invention
It moves branch wish to user the technical problem to be solved by the present invention is to no model to score, and without effective
Measure improves user and moves branch rate.
In order to solve the above technical problems, the first aspect of the present invention proposes a kind of method that raising user moves branch rate, including
Following steps: it obtains user and moves branch sample data, it includes customer attribute information and the dynamic branch of user's history that user, which moves branch sample data,
Information；Branch sample data training user, which is moved, using user moves branch wish Rating Model；According to the attribute information of new user, instruction is utilized
User after white silk moves branch wish Rating Model, calculates the dynamic branch wish scoring of new user；It is scored according to the dynamic branch wish of new user
It takes corresponding measure to improve new user and moves branch rate.
A preferred embodiment of the invention, the user move branch sample data, including generate online data,
Pre-generate and store data, by input unit or transmission medium from least one of external received data.
A preferred embodiment of the invention, the customer attribute information include attribute-name and attribute value.
A preferred embodiment of the invention, the attribute-name include gender, age, income, debt, marriage shape
At least one of condition, family status, debt-credit scoring, the accrediting amount, debt-credit volume, term of loan.
A preferred embodiment of the invention, it includes that user is latter by credit that the user's history, which moves branch information,
Whether branch is moved in a predetermined period.
A preferred embodiment of the invention, the predetermined period are any one of following periods: 1 day, 3
It, 7 days, 10 days, 1 month, 2 months, 3 months, half a year, 1 year.
A preferred embodiment of the invention, it is described to move the dynamic branch of branch sample data training user using the user
Wish Rating Model includes: that the customer attribute information is inputted the user to move branch wish Rating Model, obtains the dynamic branch of user
Wish scoring moves the difference of the scoring of branch wish with the dynamic branch information of user's history according to the user of acquisition, to model about user
The weight of attribute information is adjusted.
A preferred embodiment of the invention, it is described to move the dynamic branch wish of branch sample data training user using user
Rating Model includes: to move the branch sample data periodically or non-periodically dynamic branch wish Rating Model of training user using the user.
A preferred embodiment of the invention, it is described to be taken accordingly according to the scoring of the dynamic branch wish of the new user
It includes: to send customized information for moving the user of branch wish scoring in a certain range that measure, which improves new user and moves branch rate,.
The second aspect of the present invention proposes that a kind of raising user moves the device of branch rate, comprising: data acquisition module, for obtaining
It takes family and moves branch sample data, it includes that customer attribute information and user's history move branch information that the user, which moves branch sample data,；Instruction
Practice module, moves branch wish Rating Model for moving branch sample data training user using the user；New user moves branch wish and comments
Sub-module moves branch wish Rating Model using the user after training, calculates new user's for the attribute information according to new user
Dynamic branch wish scoring；Respond module, for taking corresponding measure to improve new user according to the scoring of the dynamic branch wish of the new user
Dynamic branch rate.
A preferred embodiment of the invention, the user move branch sample data, including generate online data,
Pre-generate and store data, by input unit or transmission medium from least one of external received data.
A preferred embodiment of the invention, the customer attribute information include attribute-name and attribute value.
A preferred embodiment of the invention, the attribute-name include gender, age, income, debt, marriage shape
At least one of condition, family status, debt-credit scoring, the accrediting amount, debt-credit volume, term of loan.
A preferred embodiment of the invention, it includes that user is latter by credit that the user's history, which moves branch information,
Whether branch is moved in a predetermined period.
A preferred embodiment of the invention, the predetermined period are any one of following periods: 1 day, 3
It, 7 days, 10 days, 1 month, 2 months, 3 months, half a year, 1 year.
A preferred embodiment of the invention, it is described to move the dynamic branch of branch sample data training user using the user
Wish Rating Model includes: that the customer attribute information is inputted the user to move branch wish Rating Model, obtains the dynamic branch of user
Wish scoring moves the difference of the scoring of branch wish with the dynamic branch information of user's history according to the user of acquisition, to model about user
The weight of attribute information is adjusted.
A preferred embodiment of the invention, it is described to move the dynamic branch wish of branch sample data training user using user
Rating Model includes: to move the branch sample data periodically or non-periodically dynamic branch wish Rating Model of training user using the user.
A preferred embodiment of the invention takes corresponding measure according to the scoring of the dynamic branch wish of the new user
Improving new user and moving branch rate includes: to send customized information for moving the user of branch wish scoring in a certain range.
The third aspect of the present invention proposes a kind of system that raising user moves branch rate, comprising: memory is calculated for storing
Machine executable program；Data processing equipment, for reading the computer executable program in the memory, described with execution
Improve the method that user moves branch rate.
The fourth aspect of the present invention proposes a kind of computer-readable medium, for storing computer-readable program, the meter
Calculation machine readable program is used to execute the method for improving user and moving branch rate.
The present invention moves branch wish Rating Model by moving branch rate training user using user, and it is dynamic can to obtain accurate user
The scoring of branch wish, the dynamic branch wish height of Accurate Analysis user, and different customizations is sent for the different user of dynamic branch wish
Information, for improving the dynamic branch rate of user.
Detailed description of the invention
Fig. 1 is the flow diagram for improving user and moving the method for branch rate of the invention；
Fig. 2 is the module architectures schematic diagram for improving user and moving the device of branch rate of the invention；
Fig. 3 is the structural framing schematic diagram for improving user and moving the system of branch rate of the invention.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with specific embodiment, and reference
Attached drawing, the present invention is described in further detail.
Fig. 1 is the flow diagram for improving user and moving the method for branch rate of the invention.As shown in Figure 1, method of the invention
With following steps:
S1: it obtains user and moves branch sample data, it includes that customer attribute information and user go through that the user, which moves branch sample data,
History moves branch information.
Wherein, user moves branch sample data, at least one of from following data: the data that generate online, in advance
Generate and store data, by input unit or transmission medium from external received data.Customer attribute information includes belonging to
Property name and attribute value, wherein attribute-name includes gender, the age, income, debt, marital status, family status, debt-credit scoring, awards
Believe at least one of amount, debt-credit volume, term of loan.It includes that user is default by credit the latter that user's history, which moves branch information,
Whether branch is moved in period, predetermined period is any one of following period: 1 day, 3 days, 7 days, 10 days, 1 month, 2 months, 3
The moon, half a year, 1 year.Dynamic branch rate is the ratio of branch number Yu credit number.For example, there are 100 people's credits to pass through, have in 1 day
30 people have branch, and it is exactly 30% that first day, which moves branch rate,.Also there is dynamic branch rate on the 7th, i.e., have the dynamic branch of 60 people, that 7 days dynamic branch in 7 days
Rate is exactly 60%.Credit itself does not make a profit to company, and only dynamic branch, company could make a profit.Therefore the higher the better for dynamic branch rate.
S2: branch sample data training user is moved using the user and moves branch wish Rating Model.
Branch sample data training user is moved using the user and moves branch wish Rating Model, including the user property is believed
Breath inputs the user and moves branch wish Rating Model, obtains user and moves the scoring of branch wish, moves branch wish according to the user of acquisition and comment
Divide the difference for moving branch information with user's history, the weight about customer attribute information of model is adjusted.It is put down for example, net is borrowed
Platform is trained the dynamic branch wish Rating Model of user using the dynamic branch sample data of 100 users, more acurrate to obtain
About in user 7 days whether in dynamic branch wish scoring, can be by the gender of each user, age, income, debt, marriage shape
At least one of the information such as condition, family status, debt-credit scoring, the accrediting amount, debt-credit volume, term of loan input user moves Zhi Yi
It is willing to Rating Model, the dynamic branch wish scoring obtained in user 7 days after branch wish Rating Model calculates is moved by user and (is used for 0.3
It is 0-1 that the scoring of branch wish is moved at family, and it is bigger that the higher user that scores moves branch wish), it is calculated that user is moved into branch wish Rating Model
The history that dynamic branch wish scoring 0.3 in user 7 days moves the stored user in branch wish Rating Model with user moves Zhi Yi
It is willing to that scoring is compared, the dynamic branch wish scoring in user 7 days obtained and the dynamic branch of history of user is calculated according to Rating Model
The difference of wish scoring, is adjusted the weight about customer attribute information of model.Also, utilizing a certain number of use
Family is moved branch sample data and is moved after branch wish Rating Model is trained to user, can move branch sample data using other users
The training of branch wish Rating Model progress periodically or non-periodically is moved to user.
S3: according to the attribute information of new user, branch wish Rating Model is moved using the user after training, calculates new user's
Dynamic branch wish scoring.
User is moved after branch wish Rating Model is trained, gender, age, income, the debt, marriage of new user are inputted
At least one of information such as situation, family status, debt-credit scoring, the accrediting amount, debt-credit volume, term of loan, can be obtained new
In the predetermined period of user dynamic branch wish scoring, for example, can get 1 day of new user, 3 days, 7 days, 10 days, 1 month,
Dynamic branch wish scoring in 2 months, 3 months, half a year or 1 year.
S4: it takes corresponding measure to improve new user according to the scoring of the dynamic branch wish of the new user and moves branch rate.
As an example, being scored according to the dynamic branch wish in new user 7 days, it is fixed that the new user to score in 0.1-1 is sent
Information processed.For moving the high new user of branch wish in 7 days, sends out sales promotion information some to them, attract them to borrow platform in net and borrow
Money improves dynamic branch rate.For moving the low new user of branch wish in 7 days, them are given some preferential measure (for example mentioning volume) Lai Tigao
Their dynamic branch rate.
The method that raising user of the invention moves branch rate moves branch wish scoring mould by moving branch rate training user using user
Type can obtain accurate user and move the scoring of branch wish, the dynamic branch wish height of Accurate Analysis user, and be directed to dynamic branch wish not
Same user sends different customized informations, for improving the dynamic branch rate of user.
Fig. 2 is the module architectures schematic diagram for improving user and moving the device of branch rate of the invention.As shown in Fig. 2, proposing one kind
Improve the device that user moves branch rate, comprising: data acquisition module moves branch sample data, the dynamic branch of the user for obtaining user
Sample data includes that customer attribute information and user's history move branch information；Training module, for moving branch sample using the user
Data training user moves branch wish Rating Model；New user moves branch wish grading module, for the attribute information according to new user,
Branch wish Rating Model is moved using the user after training, calculates the dynamic branch wish scoring of new user；Respond module, for according to institute
The dynamic branch wish scoring for stating new user takes corresponding measure to improve new user and moves branch rate.
The user that data acquisition module obtains moves branch sample data, from least one of following data, for example,
Data that line generates, it is pre-generated and store data, by input unit or transmission medium from external received data.Its
In, the customer attribute information that user moves in branch sample data includes attribute-name and attribute value, wherein attribute-name includes gender, year
At least one of age, income, debt, marital status, family status, debt-credit scoring, the accrediting amount, debt-credit volume, term of loan.
User move the user's history in branch sample data move branch information include user by 1 day after credit, 3 days, 7 days, 10 days, 1 month,
Whether branch is moved in 2 months, 3 months, half a year or 1 year.Dynamic branch rate is the ratio of branch number Yu credit number.For example, having 100
Personal credit passes through, and has 30 people to have branch in 1 day, it is exactly 30% that first day, which moves branch rate,.Also there is dynamic branch rate on the 7th, i.e., have in 7 days
The dynamic branch of 60 people, dynamic branch rate is exactly 60% within that 7 days.Credit itself does not make a profit to company, and only dynamic branch, company could make a profit.
Therefore the higher the better for dynamic branch rate.
Training module moves branch wish Rating Model for moving branch sample data training user using the user, including will
The customer attribute information inputs the user and moves branch wish Rating Model, obtains user and moves the scoring of branch wish, according to acquisition
User moves the difference that branch information is moved in the scoring of branch wish with user's history, adjusts to the weight about customer attribute information of model
It is whole.The dynamic branch wish Rating Model of user is trained using the dynamic branch sample data of 100 users for example, net borrows platform,
To obtain, more accurately about in user 7 days, whether the wish of interior dynamic branch scores, can be by the gender of each user, age, receipts
Enter, be in debt, marital status, family status, debt-credit scoring, the accrediting amount, debt-credit volume, at least one of information such as term of loan
It inputs user and moves branch wish Rating Model, the dynamic Zhi Yi obtained in user 7 days after branch wish Rating Model calculates is moved by user
It is willing to that scoring is 0.3 (it is 0-1 that user, which moves the scoring of branch wish, and it is bigger that the higher user that scores moves branch wish), user is moved into branch wish and is commented
Dynamic branch wish scoring 0.3 in the calculated user of sub-model 7 days moves stored use in branch wish Rating Model with user
The history at family is moved the scoring of branch wish and is compared, according to Rating Model calculate dynamic branch wish scoring in user 7 days obtained with
The history of user moves the difference of branch wish scoring, is adjusted to the weight about customer attribute information of model.Also, in benefit
Branch sample data is moved with a certain number of users to move after branch wish Rating Model is trained user, can be used using other
It moves branch sample data and the training of branch wish Rating Model progress periodically or non-periodically is moved to user in family.
New user moves branch wish grading module, for moving user after branch wish Rating Model is trained, inputs new use
Gender, age, income, debt, marital status, family status, debt-credit scoring, the accrediting amount, debt-credit volume, the term of loan at family etc.
At least one of information can be obtained 1 day, 3 days, 7 days, 10 days, 1 month, 2 months, 3 months, half of the new user of new user
Dynamic branch wish scoring in year or 1 year.
Respond module, for taking corresponding measure to improve the dynamic branch of new user according to the scoring of the dynamic branch wish of the new user
Rate.As an example, respond module scores according to the dynamic branch wish in new user 7 days, the new user to score in 0.1-1 is sent
Customized information.For moving the high new user of branch wish in 7 days, sends out sales promotion information some to them, them is attracted to borrow platform in net
It borrows money to improve dynamic branch rate.For moving the low new user of branch wish in 7 days, mentioned to their some preferential measures (for example mentioning volume)
Their dynamic branch rate of height.
Raising user of the invention moves the device of branch rate, moves branch wish scoring mould by moving branch rate training user using user
Type can obtain accurate user and move the scoring of branch wish, the dynamic branch wish height of Accurate Analysis user, and be directed to dynamic branch wish not
Same user sends different customized informations, for improving the dynamic branch rate of user.
In addition, the present invention also proposes the system for moving branch rate for improving user.Fig. 3 is that raising user of the invention moves branch rate
System structural framing schematic diagram, as shown in figure 3, for improve user move branch rate system include memory and data processing
Device, memory is for storing computer executable program, data processing equipment, for reading the computer in the memory
Executable program, to execute the method for moving branch rate for improving user.System can be local system in the present invention,
It can be distributed system.Memory of the invention can be local storage, be also possible to distributed memory system, such as cloud
Storage system.And data processor then includes device of at least one tool number word information processing capability, such as CPU, GPU, more
Processor system or cloud processor.
Furthermore the present invention also proposes computer-readable medium, described computer-readable for storing computer-readable program
Program is used to execute the method for improving user and moving branch rate.
It should be appreciated that in order to simplify the present invention and help it will be understood by those skilled in the art that various aspects of the invention,
Above in the description of exemplary embodiment of the present invention, each feature of the invention is retouched in a single embodiment sometimes
It states, or is described referring to single figure.But should not be by the feature that the present invention is construed to include in exemplary embodiment
The essential features of patent claims.
It should be appreciated that can be to progress such as module, unit, the components for including in the equipment of one embodiment of the present of invention certainly
It adaptively changes so that they are arranged in equipment unlike this embodiment.The difference that can include the equipment of embodiment
Module, unit or assembly are combined into module, a unit or assembly, also they can be divided into multiple submodule, subelement or
Sub-component.Module, unit or assembly in the embodiment of the present invention can realize in hardware, can also be with one or more
The software mode run on a processor is realized, or is implemented in a combination thereof.
Particular embodiments described above has carried out further in detail the purpose of the present invention, technical scheme and beneficial effects
Describe in detail bright, it should be understood that the above is only a specific embodiment of the present invention, is not intended to restrict the invention, it is all
Within the spirit and principles in the present invention, any modification, equivalent substitution, improvement and etc. done should be included in protection of the invention
Within the scope of.
Claims (10)
1. a kind of method for improving user and moving branch rate, includes the following steps:
It obtains user and moves branch sample data, it includes that customer attribute information and user's history move branch letter that the user, which moves branch sample data,
Breath；
Branch sample data training user, which is moved, using the user moves branch wish Rating Model；
According to the attribute information of new user, branch wish Rating Model is moved using the user after training, calculates the dynamic Zhi Yi of new user
It is willing to scoring；
It takes corresponding measure to improve new user according to the scoring of the dynamic branch wish of the new user and moves branch rate.
2. improving the method that user moves branch rate as described in claim 1, it is characterised in that: the user moves branch sample data packet
It includes:
The data that generate online, it is pre-generated and store data, by input unit or transmission medium from external received
At least one of data.
3. improving the method that user moves branch rate as described in claim 1, it is characterised in that: the user's history moves branch packet
User is included by whether moving branch in credit the latter predetermined period.
4. improving the method that user moves branch rate as claimed in claim 3, it is characterised in that: the predetermined period is the following period
Any one of: 1 day, 3 days, 7 days, 10 days, 1 month, 2 months, 3 months, half a year, 1 year.
5. improving the method that user moves branch rate as described in claim 1, it is characterised in that: described to move branch sample using the user
Notebook data training user moves branch wish Rating Model
The customer attribute information is inputted into the user and moves branch wish Rating Model, user is obtained and moves the scoring of branch wish；
The difference that the scoring of branch wish with the dynamic branch information of user's history are moved according to the user of acquisition, to believing about user property for model
The weight of breath is adjusted.
6. improving the method that user moves branch rate as described in claim 1, it is characterised in that: described to move branch sample number using user
Moving branch wish Rating Model according to training user includes: that periodically or non-periodically training user is dynamic using the dynamic branch sample data of the user
Branch wish Rating Model.
7. improving the method that user moves branch rate as described in claim 1, it is characterised in that: described according to the dynamic of the new user
It includes: for moving the user of branch wish scoring in a certain range that the scoring of branch wish, which takes corresponding measure to improve new user to move branch rate,
Send customized information.
8. a kind of device for improving user and moving branch rate, comprising:
Data acquisition module moves branch sample data for obtaining user, and it includes user property letter that the user, which moves branch sample data,
Breath and user's history move branch information；
Training module moves branch wish Rating Model for moving branch sample data training user using the user；
New user moves branch wish grading module, for the attribute information according to new user, moves branch wish using the user after training
Rating Model calculates the dynamic branch wish scoring of new user；
Respond module moves branch rate for taking corresponding measure to improve new user according to the scoring of the dynamic branch wish of the new user.
9. a kind of system for improving user and moving branch rate characterized by comprising
Memory, for storing computer executable program；
Data processing equipment is required in 1 to 7 for reading the computer executable program in the memory with perform claim
Described in any item methods for improving user and moving branch rate.
10. a kind of computer-readable medium, for storing computer-readable program, which is characterized in that the computer-readable journey
Method of the sequence for improving user described in any one of perform claim requirement 1 to 7 and moving branch rate.
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| CN112862602A (en) * | 2021-03-29 | 2021-05-28 | 中信银行股份有限公司 | User request determining method, storage medium and electronic device |
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| CN112862602B (en) * | 2021-03-29 | 2024-05-24 | 中信银行股份有限公司 | User request determining method, storage medium and electronic device |
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