CN110389974A - Data analysing method and system - Google Patents
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- CN110389974A CN110389974A CN201910695926.XA CN201910695926A CN110389974A CN 110389974 A CN110389974 A CN 110389974A CN 201910695926 A CN201910695926 A CN 201910695926A CN 110389974 A CN110389974 A CN 110389974A
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Abstract
The invention discloses a kind of data analysing method and systems, the method comprise the steps that carrying out the behavioral data table that integration obtains each object to the behavioral data of each object；And integration is carried out to the behavioral data table and obtains behavior database table；It include the attribute data of each object in the behavior database table；According to the attribute data and behavioral data acquisition attribute tags and behavior label in the behavior database table；Based on the attribute tags and/or behavior label Allocation Analysis model；Using the analysis model in the behavior database table behavioral data and/or attribute data screen, obtain data to be analyzed, and analysis is carried out to the data to be analyzed and obtains analysis result.The present invention can obtain corresponding analysis model according to practical customer analysis scene configuration by configuring logical combination condition, to carry out data analysis, condition in analysis model can autonomous configuration adjustment, flexibly freely, professional door column is low, and analysis efficiency is high.
Description
Technical field
The present invention relates to data analysis technique field more particularly to a kind of data analysing method and systems.
Background technique
Report is that bank obtains approach necessary to information, and the report of bank can pay close attention to the letter of mechanism level, product level
Breath provides the fact that have occurred and that, but report is not used to all kinds of traffic issues that answer occurs at any time.Once manager couple
A certain content in report proposes problem, it is necessary to profound analysis is carried out to detailed data.
Data analysis at present depends on report, smartBI (Data Analysis Software), CRM (Customer
Relationship Management, customer relation management) system or the Data Analyst of profession etc..However, due to client
Behavioral data is dispersed in bank in numerous tables of each system, it is therefore desirable to and cross-system obtains data across table, low efficiency, and
And need for the analysis of complex scene by process many and diverse inside bank, and implemented by the data analyst of profession,
Period is long, and analysis efficiency is low, and it is high that data analyze professional door column.
Summary of the invention
The embodiment of the present invention is designed to provide a kind of data analysing method and system, deposits in the prior art for solving
Complex scene analysis difficulty is high, mass data under the conditions of low efficiency the problem of.
In order to solve the above-mentioned technical problem, embodiments herein adopts the technical scheme that a kind of data analysis side
Method, comprising:
The behavioral data table that integration obtains each object is carried out to the behavioral data of each object；And to the behavioral data table into
Row integration obtains behavior database table；It include the attribute data of each object in the behavior database table；
According to the attribute data and behavioral data acquisition attribute tags and behavior label in the behavior database table；
Based on the attribute tags and/or behavior label Allocation Analysis model；
Using the analysis model in the behavior database table behavioral data and/or attribute data screen,
Data to be analyzed are obtained, and analysis is carried out to the data to be analyzed and obtains analysis result.
Optionally, the behavioral data is banking operation data；
The attribute tags include following one or more: client age, the occupation of client, the educational background of client, client
Assets value, client's payroll credit；
The behavior label includes one or more of: the type for the business that client handles, client cancel the industry handled
Business, the time of client's transacting business, client cancels the time of transacting business, client browses the opponent of product, client's money transfer transactions
Bank, fund efflux channel, fund outflow type, fund outflow number and behavioral indicator；Wherein, the business that the client handles
Type include following one or more: open card, pin card, deposit, withdrawal, provide a loan, income of transferring accounts, money of transferring accounts out, bank card swash
Living, bank card business dealing and the product of purchase.
Optionally, described to be based on the attribute tags and/or behavior label Allocation Analysis model, specifically include following one kind
Or it is several:
Cancelled based on client age, the occupation of client, the educational background of client, the assets value of client, client's payroll credit, client
One in product that the time of the business, client's transacting business handled, client cancel the time of transacting business and client browsed
Kind is several as logical combination condition, to obtain customer grouping model；
The type for the business handled based on client, client cancel the business handled, the time of client's transacting business, Ke Huqu
Disappear time of transacting business, client browses product, the opponent bank of client's money transfer transactions, fund efflux channel, fund outflow class
One or more of type and behavioral indicator are used as logical combination condition, to obtain index analysis model；
Using the subsequent behavior after the initial behavior of client and predetermined amount of time as necessary condition, and by the assets of client
The type of service that value, client handle is as inessential condition, based on the necessary condition and the inessential condition as logic
Combination condition retains model or Model of Customer Loss Based to obtain client；
Client handles in product and predetermined amount of time type of service is browsed as logical combination condition, to obtain based on client
Obtain transformation assay model；
Based on deposit, withdraw the money, income of transferring accounts, money of transferring accounts out, the opponent bank of client's money transfer transactions, fund efflux channel,
Fund flows out type and fund outflow one or more of number is used as logical combination condition, with obtain cash flow go out model or
Fund flow model；
One or more of type of business handled based on client is used as logical combination condition, to obtain customers' prison
Control model.
Optionally, it is described using the analysis model to the behavioral data and/or attribute number in the behavior database table
According to being screened, data to be analyzed are obtained, and analyzed as a result, specifically including to the data to be analyzed
It is following one or more of:
According to the logical combination condition in customer grouping model, in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed carry out analysis and obtain customers' list；
According to the logical combination condition in index analysis model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition index variation tendency；
According to logical combination condition in client's retention model to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain client's retention ratio, client retention list, each customer action data detail.
According to logical combination condition in Model of Customer Loss Based to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain churn rate, customer churn list, the behavioral data detail of each customer revenue and visitor
Family Drain Causes.
According to the logical combination condition in transformation assay model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition customer action conversion success rate, customer action conversion failure rate, customer action conversion
The behavioral data detail of the client of the list of failure, the procedure links of customer actionization conversion failure and behavior conversion failure；
Go out the logical combination condition in model to the behavioral data and/or category in the behavior database table according to cash flow
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out the client that analysis acquisition fund outflow information, the ratio of the customers of fund outflow, fund flow out
The behavioral data detail of each client in list and list；
According to the logical combination condition in fund flow model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
State the client that data to be analyzed carry out analysis acquisition fund inflow information, ratio, the fund of the customers that fund flows into flow into
The behavioral data detail of each client in list and list.
According to the logical combination condition in customers' monitoring model in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed are analyzed behavioral data and money after obtaining customers' marketing maintenance to track to customers
Produce the situation of change of data.
Optionally, the method also includes obtaining the behavioral data for making a reservation for an object in the behavior database table, root
According to behavior data draw about when m- event object behavior figure.
Optionally, the method also includes being saved to the analysis model, using the analysis model as shared
Universal model, or using the analysis model as private model.
Optionally, the method also includes deleting the analysis model.
Optionally, the method also includes saving to the analysis result of acquisition.
The embodiment of the present invention also provides a kind of data analysis system: including:
Module is integrated, carries out the behavioral data table that integration obtains each object for the behavioral data to each object；And to institute
It states behavioral data table and carries out integration acquisition behavior database table；It include the attribute data of each object in the behavior database table；
Obtain module, for according in the behavior database table attribute data and behavioral data obtain attribute tags and
Behavior label；
Generation module, for being based on the attribute tags and/or behavior label Allocation Analysis model；
Analysis module, for utilizing the analysis model to the behavioral data and/or attribute in the behavior database table
Data are screened, and obtain data to be analyzed, and carry out analysis to the data to be analyzed and obtain analysis result.
Optionally, the behavioral data is banking operation data；
The attribute tags include following one or more: client age, the occupation of client, the educational background of client, client
Assets value, client's payroll credit；
The behavior label includes one or more of: the type for the business that client handles, client cancel the industry handled
Business, the time of client's transacting business, client cancels the time of transacting business, client browses the opponent of product, client's money transfer transactions
Bank, fund efflux channel, fund outflow type, fund outflow number and behavioral indicator；Wherein, the business that the client handles
Type include following one or more: open card, pin card, deposit, withdrawal, provide a loan, income of transferring accounts, money of transferring accounts out, bank card swash
Living, bank card business dealing and the product of purchase.
Optionally, the generation module is specifically used for following one or more:
Cancelled based on client age, the occupation of client, the educational background of client, the assets value of client, client's payroll credit, client
One in product that the time of the business, client's transacting business handled, client cancel the time of transacting business and client browsed
Kind is several as logical combination condition, to obtain customer grouping model；
The type for the business handled based on client, client cancel the business handled, the time of client's transacting business, Ke Huqu
Disappear time of transacting business, client browses product, the opponent bank of client's money transfer transactions, fund efflux channel, fund outflow class
One or more of type and behavioral indicator are used as logical combination condition, to obtain index analysis model；
Using the subsequent behavior after the initial behavior of client and predetermined amount of time as necessary condition, and by the assets of client
The type of service that value, client handle is as inessential condition, based on the necessary condition and the inessential condition as logic
Combination condition retains model or Model of Customer Loss Based to obtain client；
Client handles in product and predetermined amount of time type of service is browsed as logical combination condition, to obtain based on client
Obtain transformation assay model；
Based on deposit, withdraw the money, income of transferring accounts, money of transferring accounts out, the opponent bank of client's money transfer transactions, fund efflux channel,
Fund flows out type and fund outflow one or more of number is used as logical combination condition, with obtain cash flow go out model or
Fund flow model；
One or more of type of business handled based on client is used as logical combination condition, to obtain customers' prison
Control model.
Optionally, the analysis module is specifically used for following one or more of:
According to the logical combination condition in customer grouping model, in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed carry out analysis and obtain customers' list；
According to the logical combination condition in index analysis model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition index variation tendency；
According to logical combination condition in client's retention model to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain client's retention ratio, client retention list, each customer action data detail.
According to logical combination condition in Model of Customer Loss Based to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain churn rate, customer churn list, the behavioral data detail of each customer revenue and visitor
Family Drain Causes.
According to the logical combination condition in transformation assay model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition customer action conversion success rate, customer action conversion failure rate, customer action conversion
The behavioral data detail of the client of the list of failure, the procedure links of customer actionization conversion failure and behavior conversion failure；
Go out the logical combination condition in model to the behavioral data and/or category in the behavior database table according to cash flow
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out the client that analysis acquisition fund outflow information, the ratio of the customers of fund outflow, fund flow out
The behavioral data detail of each client in list and list；
According to the logical combination condition in fund flow model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
State the client that data to be analyzed carry out analysis acquisition fund inflow information, ratio, the fund of the customers that fund flows into flow into
The behavioral data detail of each client in list and list.
According to the logical combination condition in customers' monitoring model in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed are analyzed behavioral data or money after obtaining customers' marketing maintenance to track to customers
Produce the situation of change of data.
Optionally, the system also includes chart modules, make a reservation for an object in the behavior database table for obtaining
Behavioral data, according to behavior data draw about when m- event object behavior figure.
Optionally, the system also includes preserving modules, for saving to the analysis model, by the analysis
Model is as shared universal model, or using the analysis model as private model.
Optionally, the system also includes removing modules, for deleting the analysis model.
Optionally, the system also includes memory modules, for saving to the analysis result of acquisition.
The beneficial effect of the embodiment of the present invention is:, can be according to actual needs by autonomous configuration logical combination condition
Data structure in analysis model is adjusted, flexibly freely, professional door column is low, and analysis efficiency is high.So that business personnel is not
It is completely dependent on analysis personnel again, provides strong support for the precision operation and marketing in time of business.
Detailed description of the invention
Fig. 1 is the flow chart of the data analysing method of first embodiment of the invention；
Fig. 2 is the structural block diagram of data analysis system in third embodiment of the invention.
Specific embodiment
The various schemes and feature of the application are described herein with reference to attached drawing.
It should be understood that various modifications can be made to the embodiment applied herein.Therefore, description above should not regard
To limit, and only as the example of embodiment.Those skilled in the art will expect in the scope and spirit of the present application
Other modifications.
The attached drawing being included in the description and forms part of the description shows embodiments herein, and with it is upper
What face provided is used to explain the application together to substantially description and the detailed description given below to embodiment of the application
Principle.
By the description of the preferred form with reference to the accompanying drawings to the embodiment for being given as non-limiting example, the application's
These and other characteristic will become apparent.
It is also understood that although the application is described referring to some specific examples, those skilled in the art
Member realizes many other equivalents of the application in which can determine, they have feature as claimed in claim and therefore all
In the protection scope defined by whereby.
When read in conjunction with the accompanying drawings, in view of following detailed description, above and other aspect, the feature and advantage of the application will become
It is more readily apparent.
The specific embodiment of the application is described hereinafter with reference to attached drawing；It will be appreciated, however, that applied embodiment is only
Various ways implementation can be used in the example of the application.Known and/or duplicate function and structure and be not described in detail to avoid
Unnecessary or extra details makes the application smudgy.Therefore, applied specific structural and functionality is thin herein
Section is not intended to restrictions, but as just the basis of claim and representative basis be used to instructing those skilled in the art with
Substantially any appropriate detailed construction diversely uses the application.
First embodiment of the invention provides a kind of data analysing method, as shown in connection with fig. 1, includes the following steps:
Step S101 carries out the behavioral data table that integration obtains each object to the behavioral data of each object；And to the row
Integration, which is carried out, for tables of data obtains behavior database table；It include the attribute data of each object in the behavior database table；
It, specifically can be each right by the object behavior Data Integration of dispersion into a database table event in this step
As can all correspond to a series of behavioral data, such as object A, behavioral data includes: the class for the business that A client handles
Type, A client cancel the time of the business, A client's transacting business handled, A client cancels the time of transacting business, A client's browsing
Product, the opponent bank of A client's money transfer transactions, fund efflux channel and fund outflow type etc.；Wherein, the client handles
The type of business includes: out card, pin card, deposit, finance product withdrawal, provided a loan, transfer accounts and bought.Specific finance product
Type be further divided into high risk, low-risk, fund, stock, periodically, current etc..
Attribute data includes: the age of A client, the occupation of A client, the educational background of A client, total assets of A client etc..
Step S102, according in the behavior database table attribute data and behavioral data obtain attribute tags and behavior
Label；Specifically, the attribute tags of object and behavior label can be integrated into a database table user.
Behavior label includes: the type for the business that client handles in this step, client cancels the business handled, client handles
The time of business, client browse product, client cancels the time of transacting business, the opponent bank of client's money transfer transactions, cash flow
Channel and fund outflow type etc. out；Wherein, the type for the business that the client handles include: out card, pin card, deposit, withdrawal,
The finance product provided a loan, transfer accounts and bought.The type of specific finance product be further divided into high risk, low-risk, fund,
Stock, regular, current etc..Attribute tags include: that the age of client, the occupation of client, the educational background of client, the assets of client are total
Value, client's payroll credit etc..
Step S103 is based on the attribute tags and/or behavior label Allocation Analysis model；
In step, the analysis model of configuration specifically includes following one or more:
Cancelled based on client age, the occupation of client, the educational background of client, the assets value of client, client's payroll credit, client
One in product that the time of the business, client's transacting business handled, client cancel the time of transacting business and client browsed
Kind is several as logical combination condition, to obtain customer grouping model；
The type for the business handled based on client, client cancel the business handled, the time of client's transacting business, Ke Huqu
Disappear time of transacting business, client browses product, the opponent bank of client's money transfer transactions, fund efflux channel, fund outflow class
One or more of type and behavioral indicator are used as logical combination condition, to obtain index analysis model；
Using the subsequent behavior after the initial behavior of client and predetermined amount of time as necessary condition, and by the assets of client
The type of service that value, client handle is as inessential condition, based on the necessary condition and the inessential condition as logic
Combination condition retains model or Model of Customer Loss Based to obtain client；
Client handles in product and predetermined amount of time type of service is browsed as logical combination condition, to obtain based on client
Obtain transformation assay model；
Based on deposit, withdraw the money, income of transferring accounts, money of transferring accounts out, the opponent bank of client's money transfer transactions, fund efflux channel,
Fund flows out type and fund outflow one or more of number is used as logical combination condition, with obtain cash flow go out model or
Fund flow model；
One or more of type of business handled based on client is used as logical combination condition, to obtain customers' prison
Control model.
Step S104, using the analysis model to the behavioral data and/or attribute data in the behavior database table
It is screened, obtains data to be analyzed, and analysis is carried out to the data to be analyzed and obtains analysis result.
In this step, using the analysis model to the behavioral data and/or attribute data in the behavior database table
Screened, obtain data to be analyzed, and the data to be analyzed analyzed as a result, specifically include as
Lower one or more:
According to the logical combination condition in customer grouping model, in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed carry out analysis and obtain customers' list；
According to the logical combination condition in index analysis model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition index variation tendency；
According to logical combination condition in client's retention model to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain client's retention ratio, client retention list, each customer action data detail.
According to logical combination condition in Model of Customer Loss Based to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain churn rate, customer churn list, the behavioral data detail of each customer revenue and visitor
Family Drain Causes.
According to the logical combination condition in transformation assay model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition customer action conversion success rate, customer action conversion failure rate, customer action conversion
The behavioral data detail of the client of the list of failure, the procedure links of customer actionization conversion failure and behavior conversion failure；
Go out the logical combination condition in model to the behavioral data and/or category in the behavior database table according to cash flow
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out the client that analysis acquisition fund outflow information, the ratio of the customers of fund outflow, fund flow out
The behavioral data detail of each client in list and list；
According to the logical combination condition in fund flow model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
State the client that data to be analyzed carry out analysis acquisition fund inflow information, ratio, the fund of the customers that fund flows into flow into
The behavioral data detail of each client in list and list.
According to the logical combination condition in customers' monitoring model in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed are analyzed behavioral data or money after obtaining customers' marketing maintenance to track to customers
Produce the change information of data.
Preferably, can also be saved to the analysis result of acquisition in the present embodiment, in order to download.
In the present embodiment, such as want to market to client, then customers' analysis can first be carried out, according to reality
Needs logical combination condition is set, such as it is 30-40 years old that logical combination condition, which can be age of client, the assets of client
Total value is 30-50 ten thousand, and client bought finance product, the analysis model for obtaining customers can be thus configured, then basis
These conditions can filter out corresponding object from tables of data, obtain client's list, and it is green to analyze groups of objects institute
The type for the product looked at.Then it markets to the client in these client's lists, avoids and blindly market, improve battalion
Sell success rate.
Such as, it is desirable to which the client at least two sets rooms of analysis has, and carries out a point group with the client at least two sets rooms.
Logical combination condition can so be configured are as follows: pay on behalf heating in a year and take at least 2 times.Using the condition to behavioral data table
In the screening of behavioral data part can obtain the condition of satisfaction client quantity, and be unsatisfactory for the customer quantity of condition, and
The client's list for meeting condition, realizes customer grouping.
Such as want to carry out client's retention churn analysis.In analysis generation, sends out objective group, customer value in October be 10,000~50,000 it
Between, the customer value in following three months still meets the client between 10,000~50,000 and retains situation.Can so it be arranged
Logical combination condition are as follows: customer value is 10,000-5 ten thousand, and client is payroll credit, time 2018.10.01-2018.12.31.
The objective group of generation hair is obtained by screening, and in Dai Fa customers, assets are 10,000~50,000 during can calculating October
How many people of client, by the end of October, by the end of November, by the end of December, in January, 2019 assets still have in 10,000~50,000 client's number respectively
How many people.And can according to when m- retention client's number draw and obtain retention number line chart, according to when m- stay mistake
Client's number, which is drawn, obtains loss number line chart, in order to intuitively find out retention situation of change.It can also be stayed simultaneously
Deposit the behavior figure of each client in the list of client and the list of customer revenue and list.The behavior figure of specific client can be with thing
It is first drawn and is obtained according to the behavioral data of each client.
Such as want to carry out another client's retention churn analysis, then logical combination condition can be arranged are as follows: client
Certain finance product was bought, and client buys in the time of the finance product between 2 months -2018 years in January, 2018, configures with this
It obtains and retains analysis model, then phase can be filtered out from tables of data according to these logical combination conditions in analysis model
Then the object answered is analyzed according to the behavioral data of these objects and obtains which client is still buying the finance product (retention visitor
Family), which client has not bought the finance product (customer revenue), and calculates the accounting for retaining client and customer revenue,
Object carries out the probability value (i.e. retention ratio and turnover rate) of subsequent behavior, allows users to understand the product to client with this
Attraction degree.
Such as want to carry out client's transformation assay, then logical combination condition can be arranged are as follows: client's browsing understands
Certain product is crossed, browses the initial time of the product between 2 months -2018 years in January, 2018, is configured with this and obtains object behavior turn
Change analysis model, then can sieve from tables of data according to these logical combination conditions in object behavior transformation assay model
Corresponding object is selected, then analyzes which client finally has purchased the product according to the behavioral data of these objects, which
Client does not buy the product, does not buy client's list of the product, and each client does not buy the procedure links of the product, Yi Jiwei
The reason of buying the product.By carry out object behavior transformation assay, can detailed understanding product there are the problem of, find production
The direction of product optimization.
For another example, it is desirable to fund outflow analysis is carried out, then logical combination condition can be arranged are as follows: there is withdrawal transaction note
Record, there is money transfer transactions record, acquisition fund outflow analysis model is configured with this, then according to these logical combination conditions
Corresponding object is filtered out from tables of data, and counterparty bank, transaction are then analyzed according to the behavioral data of these objects
Opponent's name, object accounting of the outflow type of fund, each fund outflow type etc..
In the present embodiment after obtaining analysis model, analysis model can also be saved, in order to carry out next time
When identical analysis, the analysis model is called directly, no longer needs to the configuration for carrying out logical combination condition, it is convenient and efficient.And
And each analysis model includes following one or more information: founder, creation time, modification time, is drawn at creation mechanism
Use number.Model can thus be scanned for by keyword, for example " founder, creation mechanism, model name can be passed through
Claim " carry out pattern search.
The embodiment of the present invention can be according to actual needs in analysis model by autonomous configuration logical combination condition
Data structure is adjusted, and flexibly freely, professional door column is low, and analysis efficiency is high.So that business personnel is no longer completely dependent on analysis
Personnel, all business personnels can be carried out data analysis, integrate the full channel behavioral data of all objects (client) in row
At a table, it is no longer necessary to which cross-system carrys out query analysis across table, for the complicated industry such as retention, loss, conversion ratio, correlation analysis
The analysis demand for scene of being engaged in, business personnel no longer need the developer that seeks help, in this embodiment it is not even necessary to data analyst of seeking help.It realizes
Everybody can become data assayer, and ultimately form that " -- it is real that -- generate strategy -- marketing is seen very clearly in generation for behavioural analysis
Apply -- effect assessment " complete benign marketing closed loop, for business precision operation and in time marketing provide strong branch
Support.
Second embodiment of the invention provides a kind of data analysing method, includes the following steps:
The behavioral data table that integration obtains each object is carried out to the behavioral data of each object；And to the behavioral data table into
Row integration obtains behavior database table；It include the attribute data of each object in the behavior database table；
Obtain in the behavior database table make a reservation for an object behavioral data, according to behavior data draw about when
The object behavior figure of m- event.
By rendered object behavior figure in the present embodiment, the action trail and canal of object (client) can be intuitively found out
Road preference is marketed convenient for business personnel according to the hobby of client, and marketing success rate is improved.
Third embodiment of the invention provides a kind of data analysis system, as shown in Figure 2, comprising:
Module 1 is integrated, carries out the behavioral data table that integration obtains each object for the behavioral data to each object；And to institute
It states behavioral data table and carries out integration acquisition behavior database table；It include the attribute data of each object in the behavior database table；
Each object can correspond to a series of behavioral data, such as object A, behavioral data includes: A client
The type for the business handled, A client cancel the time of the business, A client's transacting business handled, A client cancels transacting business
Time, A client browse product, the opponent bank of A client's money transfer transactions, fund efflux channel and fund outflow type etc.；Wherein,
The type for the business that the client handles includes: out card, pin card, deposit, finance product withdrawal, provided a loan, transfer accounts and bought.
The type of specific finance product is further divided into high risk, low-risk, fund, stock, regular, current etc..Wherein, attribute number
According to including: the age of A client, the occupation of A client, the educational background of A client, total assets of A client etc..
Module 2 is obtained, for according to the attribute data and behavioral data acquisition attribute tags in the behavior database table
With behavior label；
Specifically, behavior label includes: the type for the business that client handles, client cancels the business handled, client handles
The time of business, client browse product, client cancels the time of transacting business, the opponent bank of client's money transfer transactions, cash flow
Channel and fund outflow type etc. out；Wherein, the type for the business that the client handles include: out card, pin card, deposit, withdrawal,
The finance product provided a loan, transfer accounts and bought.The type of specific finance product be further divided into high risk, low-risk, fund,
Stock, regular, current etc..Attribute tags include: that the age of client, the occupation of client, the educational background of client, the assets of client are total
Value, client's payroll credit etc..
Generation module 3, for being based on the attribute tags and/or behavior label Allocation Analysis model；
Specifically, generation module is specifically used for the following one or more of analysis modules of configuration: based on client age, client
Occupation, the educational background of client, the assets value of client, client's payroll credit, client cancel handle business, client's transacting business when
Between, client cancel one or more of time and product for browsing of client of transacting business and be used as logical combination condition, with
Obtain customer grouping model；
The type for the business handled based on client, client cancel the business handled, the time of client's transacting business, Ke Huqu
Disappear time of transacting business, client browses product, the opponent bank of client's money transfer transactions, fund efflux channel, fund outflow class
One or more of type and behavioral indicator are used as logical combination condition, to obtain index analysis model；
Using the subsequent behavior after the initial behavior of client and predetermined amount of time as necessary condition, and by the assets of client
The type of service that value, client handle is as inessential condition, based on the necessary condition and the inessential condition as logic
Combination condition retains model or Model of Customer Loss Based to obtain client；
Client handles in product and predetermined amount of time type of service is browsed as logical combination condition, to obtain based on client
Obtain transformation assay model；
Based on deposit, withdraw the money, income of transferring accounts, money of transferring accounts out, the opponent bank of client's money transfer transactions, fund efflux channel,
Fund flows out type and fund outflow one or more of number is used as logical combination condition, with obtain cash flow go out model or
Fund flow model；
One or more of type of business handled based on client is used as logical combination condition, to obtain customers' prison
Control model.
Analysis module 4, for utilizing the analysis model to the behavioral data and/or attribute in the behavior database table
Data are screened, and obtain data to be analyzed, and carry out analysis to the data to be analyzed and obtain analysis result.
Specifically, analysis module is specifically used for following one or more of analyses；According to the logical groups in customer grouping model
Conjunction condition, in the behavior database table behavioral data and/or attribute data screen, logical combination condition will be met
Behavioral data and/or attribute data as data to be analyzed；Analysis is carried out to the data to be analyzed and obtains customers
List；
According to the logical combination condition in index analysis model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition index variation tendency；
According to logical combination condition in client's retention model to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain client's retention ratio, client retention list, each customer action data detail.
According to logical combination condition in Model of Customer Loss Based to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain churn rate, customer churn list, the behavioral data detail of each customer revenue and visitor
Family Drain Causes.
According to the logical combination condition in transformation assay model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out analysis acquisition customer action conversion success rate, customer action conversion failure rate, customer action conversion
The behavioral data detail of the client of the list of failure, the procedure links of customer actionization conversion failure and behavior conversion failure；
Go out the logical combination condition in model to the behavioral data and/or category in the behavior database table according to cash flow
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
It states data to be analyzed and carries out the client that analysis acquisition fund outflow information, the ratio of the customers of fund outflow, fund flow out
The behavioral data detail of each client in list and list；
According to the logical combination condition in fund flow model to the behavioral data and/or category in the behavior database table
Property data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To institute
State the client that data to be analyzed carry out analysis acquisition fund inflow information, ratio, the fund of the customers that fund flows into flow into
The behavioral data detail of each client in list and list.
According to the logical combination condition in customers' monitoring model in the behavior database table behavioral data and/or
Attribute data is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；It is right
The data to be analyzed are analyzed the change of the behavioral data after obtaining customers' marketing maintenance to track to customers
Change information.
It, can be according to actual needs to analysis mould using generation module come autonomous configuration logical combination condition in the present embodiment
Data structure in type is adjusted, and flexibly freely, professional door column is low, and analysis efficiency is high.So that business personnel no longer completely according to
Rely analysis personnel, provides strong support for the precision operation and marketing in time of business.
In the present embodiment, the system also includes chart modules, make a reservation for one in the behavior database table for obtaining
The behavioral data of object, according to behavior data draw about when m- event object behavior figure.In the present embodiment, pass through figure
Table module carrys out rendered object behavior figure, can intuitively find out object (client) each time point corresponding behavior event (behavior rail
Mark) and channel preference, it is marketed convenient for business personnel according to the hobby of client, improves marketing success rate.
In the present embodiment, the system also includes preserving module, memory module and removing module, preserving module is for analyzing
Model is saved, using the analysis model as shared universal model, or using the analysis model as private mould
Type.Memory module is for saving the analysis result of acquisition.Removing module is for deleting the analysis model.
Analysis model is saved by preserving module in the present embodiment, in order to carry out identical analysis next time
When, the analysis model is called directly, the configuration for carrying out logical combination condition is no longer needed to, it is convenient and efficient.And each analysis
Model includes following one or more information: founder, creation mechanism, creation time, modification time, citation times.This
Sample can scan for model by keyword, for example can carry out mould by " founder, creation mechanism, model name "
Type search.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal (can be mobile phone, computer, service
Device or the network equipment etc.) execute method described in each embodiment of the present invention.
The embodiment of the present invention is described with above attached drawing, but the invention is not limited to above-mentioned specific
Embodiment, the above mentioned embodiment is only schematical, rather than restrictive, those skilled in the art
Under the inspiration of the present invention, without breaking away from the scope protected by the purposes and claims of the present invention, it can also make very much
Form, all of these belong to the protection of the present invention.
Claims (10)
1. a kind of data analysing method, which comprises the steps of:
The behavioral data table that integration obtains each object is carried out to the behavioral data of each object；And the behavioral data table is carried out whole
It closes and obtains behavior database table；It include the attribute data of each object in the behavior database table；
According to the attribute data and behavioral data acquisition attribute tags and behavior label in the behavior database table；
Based on the attribute tags and/or behavior label Allocation Analysis model；
Using the analysis model in the behavior database table behavioral data and/or attribute data screen, obtain
Data to be analyzed, and analysis is carried out to the data to be analyzed and obtains analysis result.
2. data analysing method as described in claim 1, which is characterized in that the behavioral data is banking operation data；
The attribute tags include following one or more: client age, the occupation of client, the educational background of client, the assets of client
Value, client's payroll credit；
The behavior label includes one or more of: the type for the business that client handles, client cancel the business handled, visitor
Time of family transacting business, client cancel the time of transacting business, client browses product, the opponent bank of client's money transfer transactions,
Fund efflux channel, fund outflow type, fund outflow number and behavioral indicator；Wherein, the class for the business that the client handles
Type includes following one or more: opening card, pin card, deposit, withdrawal, provides a loan, income of transferring accounts, money of transferring accounts out, bank card activation, silver
The product of the transaction of row card and purchase.
3. data analysing method as claimed in claim 2, which is characterized in that described to be based on the attribute tags and/or behavior
Label Allocation Analysis model, specifically includes following one or more:
Cancelled based on client age, the occupation of client, the educational background of client, the assets value of client, client's payroll credit, client and being handled
Business, time of client's transacting business, one of the product that client cancels the time of transacting business and client browsed or
It is several to be used as logical combination condition, to obtain customer grouping model；
The type for the business handled based on client, client cancel the time of the business, client's transacting business handled, client cancels and doing
Time of reason business, client browse product, the opponent bank of client's money transfer transactions, fund efflux channel, fund outflow type and
One or more of behavioral indicator is used as logical combination condition, to obtain index analysis model；
Using the subsequent behavior after the initial behavior of client and predetermined amount of time as necessary condition, and by the assets value of client, visitor
The type of service that family is handled is as inessential condition, based on the necessary condition and the inessential condition as logical combination item
Part retains model or Model of Customer Loss Based to obtain client；
Client handles in product and predetermined amount of time type of service is browsed as logical combination condition, to be turned based on client
Change analysis model；
Based on deposit, withdraw the money, income of transferring accounts, money of transferring accounts out, the opponent bank of client's money transfer transactions, fund efflux channel, fund
It flows out one or more of type and fund outflow number and is used as logical combination condition, go out model or fund to obtain cash flow
Flow model；
One or more of type of business handled based on client is used as logical combination condition, to obtain customers' monitoring mould
Type.
4. data analysing method as claimed in claim 3, which is characterized in that described to utilize the analysis model to the behavior
Behavioral data and/or attribute data in database table are screened, and obtain data to be analyzed, and to the number to be analyzed
According to analyzed as a result, specifically including following one or more:
According to the logical combination condition in customer grouping model, to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed carry out analysis and obtain customers' list；
According to the logical combination condition in index analysis model to the behavioral data and/or attribute number in the behavior database table
According to being screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To it is described to
Analysis data carry out analysis and obtain index variation tendency；
According to logical combination condition in client's retention model to the behavioral data and/or attribute data in the behavior database table
It is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described wait divide
Analysis data carry out analysis and obtain client's retention ratio, client retention list, each customer action data detail.
According to logical combination condition in Model of Customer Loss Based to the behavioral data and/or attribute data in the behavior database table
It is screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described wait divide
Analysis data carry out analysis and obtain churn rate, customer churn list, the behavioral data detail of each customer revenue and client's stream
Lose reason.
According to the logical combination condition in transformation assay model to the behavioral data and/or attribute number in the behavior database table
According to being screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To it is described to
The data of analysis carry out analysis and obtain customer action conversion success rate, customer action conversion failure rate, customer action conversion failure
List, customer actionization conversion failure procedure links and behavior conversion failure client behavioral data detail；
Go out the logical combination condition in model to the behavioral data and/or attribute number in the behavior database table according to cash flow
According to being screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To it is described to
The data of analysis carry out client's list that analysis acquisition fund outflow information, the ratio of the customers of fund outflow, fund flow out
And in list each client behavioral data detail；
According to the logical combination condition in fund flow model to the behavioral data and/or attribute number in the behavior database table
According to being screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To it is described to
The data of analysis carry out analysis acquisition fund and flow into client's list that information, the ratio for the customers that fund flows into, fund flow into
And in list each client behavioral data detail.
According to the logical combination condition in customers' monitoring model to the behavioral data and/or attribute in the behavior database table
Data are screened, using the behavioral data and/or attribute data that meet logical combination condition as data to be analyzed；To described
Data to be analyzed are analyzed the behavioral data or assets number after obtaining customers' marketing maintenance to track to customers
According to situation of change.
5. data analysing method as described in claim 1, which is characterized in that the method also includes obtaining the behavioral data
The behavioral data for making a reservation for an object in the table of library, according to behavior data draw about when m- event object behavior figure.
6. data analysing method as described in claim 1, which is characterized in that the method also includes to the analysis model into
Row saves, using the analysis model as shared universal model, or using the analysis model as private model.
7. data analysing method as claimed in claim 6, which is characterized in that the method also includes to the analysis model into
Row is deleted.
8. data analysing method as claimed in claim 4, which is characterized in that the method also includes the analysis results to acquisition
It is saved.
9. a kind of data analysis system characterized by comprising
Module is integrated, carries out the behavioral data table that integration obtains each object for the behavioral data to each object；And to the row
Integration, which is carried out, for tables of data obtains behavior database table；It include the attribute data of each object in the behavior database table；
Obtain module, for according in the behavior database table attribute data and behavioral data obtain attribute tags and behavior
Label；
Generation module, for being based on the attribute tags and/or behavior label Allocation Analysis model；
Analysis module, for utilizing the analysis model to the behavioral data and/or attribute data in the behavior database table
It is screened, obtains data to be analyzed, and analysis is carried out to the data to be analyzed and obtains analysis result.
10. data analysis system as claimed in claim 9, which is characterized in that the behavioral data is banking operation data；
The attribute tags include following one or more: client age, the occupation of client, the educational background of client, the assets of client
Value, client's payroll credit；
The behavior label includes one or more of: the type for the business that client handles, client cancel the business handled, visitor
Time of family transacting business, client cancel the time of transacting business, client browses product, the opponent bank of client's money transfer transactions,
Fund efflux channel, fund outflow type, fund outflow number and behavioral indicator；Wherein, the class for the business that the client handles
Type includes following one or more: opening card, pin card, deposit, withdrawal, provides a loan, income of transferring accounts, money of transferring accounts out, bank card activation, silver
The product of the transaction of row card and purchase.
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