CN110858342A - Method and device for quantifying customer value of credit card - Google Patents
Method and device for quantifying customer value of credit card Download PDFInfo
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- CN110858342A CN110858342A CN201810962130.1A CN201810962130A CN110858342A CN 110858342 A CN110858342 A CN 110858342A CN 201810962130 A CN201810962130 A CN 201810962130A CN 110858342 A CN110858342 A CN 110858342A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application provides a method and a device for quantifying the customer value of a credit card, wherein the method comprises the following steps: the method comprises the steps of determining actual income brought by a customer and actual cost invested by a bank to the customer according to transaction information of the customer, determining risk cost of the customer according to account information and attribute information of the customer, and further determining value data of the customer according to the actual income brought by the customer, the actual cost invested by the customer and the risk cost of the customer. When the customer value is determined, not only the actual income brought by the customer is considered, but also the actual cost invested by the customer and the risk cost of the customer are considered, so that the dimension of the customer value quantification is improved, and the value brought to a bank by the customer is more accurately determined.
Description
Technical Field
The application relates to the technical field of data analysis, in particular to a method and a device for quantifying the customer value of a credit card.
Background
Banks often face the following challenges in the actual credit card business management: how can one accurately judge the level of value contribution a customer brings to a bank, i.e. how can one determine the value of a customer?
At present, a bank generally calculates the income brought by a customer to the bank according to the transaction data and card-using behavior of the customer in the bank, and then evaluates the value of the customer according to the income brought by the customer to the bank. The scheme has the problems that the consideration dimension is insufficient, and the value of a client is difficult to accurately determine.
Disclosure of Invention
The application provides a method and a device for quantifying the value of a credit card client, which are used for accurately determining the value brought to a bank by the client.
In a first aspect, the present application provides a method for quantifying a credit card customer value, comprising: the method comprises the steps of determining actual income brought by a customer and actual cost invested into the customer according to transaction information of the customer, determining risk cost of the customer according to account information of the customer and attribute information of the customer, and further determining value data of the customer according to the actual income brought by the customer, the actual cost invested into the customer and the risk cost of the customer. Based on the scheme, when the value of the customer is determined, not only the actual income brought by the customer is considered, but also the actual cost invested by the customer and the risk cost of the customer are considered, and the dimension of quantifying the value of the customer is improved, so that the value brought to a bank by the customer is more accurately determined.
As a possible implementation manner, the determining, according to the transaction information of the customer, the actual income brought by the customer and the actual cost invested by the customer specifically includes: first, a monthly balance schedule of the customer is determined according to the transaction information of the customer, the monthly balance schedule comprises monthly income brought by the customer and monthly cost invested by the customer, and then actual income brought by the customer and actual cost invested by the customer are determined according to the monthly balance schedule of the customer. For example, the total of the monthly earnings from the last 12 months of the customer in the monthly balance sheet of the customer is used as the actual earnings from the customer, and the total of the monthly costs invested into the customer in the last 12 months of the monthly balance sheet of the customer is used as the actual costs invested into the customer. Of course, other preset month durations are also possible, and the present application is not limited thereto.
As a possible implementation manner, the determining the risk cost of the customer according to the account information of the customer and the attribute information of the customer specifically includes: first, a risk coefficient of the customer is determined according to account information of the customer and attribute information of the customer, and then risk cost of the customer is determined according to the risk coefficient of the customer. The risk coefficient configuration method for the client is beneficial to determining the risk cost of the client more accurately.
Further, in any of the above embodiments, after determining the value data of the customer, the value grade corresponding to the customer may also be determined according to the value data of the customer, and then the value grade label corresponding to the customer is determined according to the value grade corresponding to the customer, where the value grade label is used to indicate the value grade of the customer. Based on the scheme, the value data are converted into the corresponding value grade labels, so that the value information of the client can be more conveniently known.
Further, after the value grade label is calculated, the value grade label of the customer and/or the value data of the customer can be uploaded to a bank system. Therefore, when the specific business is operated, the value grade label of the customer and/or the value data of the customer can be conveniently and visually seen through the bank system, and the management efficiency is favorably improved.
As a possible implementation manner, the actual revenue generated by the customer in any of the above embodiments may include part or all of the following information: commission revenue, interest revenue, installment revenue, withdrawal revenue, default income, annual fee revenue.
As a possible implementation manner, the actual cost invested by the customer in any of the above embodiments may include part or all of the following information: administrative costs, points costs, capital costs.
As a possible implementation manner, the account information of any of the above embodiments includes part or all of the following information: historical transaction information, payment records, overdue records, and limit use conditions.
As a possible implementation manner, the attribute information of the client in any of the above embodiments may include part or all of the following information: gender, school calendar, age, occupation, time of card holding.
In a second aspect, the present application provides an apparatus for quantifying a customer value of a credit card, comprising: the system comprises a receiving and paying cost determination module, a payment processing module and a payment processing module, wherein the receiving and paying cost determination module is used for determining actual income brought by a client and actual cost invested by the client according to transaction information of the client; the risk cost determination module is used for determining the risk cost of the client according to the account information of the client and the attribute information of the client; and the value data determining module is used for determining the value data of the client according to the actual income brought by the client, the actual cost invested by the client and the risk cost of the client.
As a possible implementation manner, the balance cost determination module is specifically configured to determine a monthly balance table of the customer according to the transaction information of the customer, where the monthly balance table includes monthly income brought by the customer and monthly cost invested by the customer, and further determine actual income brought by the customer and actual cost invested by the customer according to the monthly balance table of the customer.
As a possible implementation manner, the risk cost determination module is specifically configured to determine a risk coefficient of the client according to the account information of the client and the attribute information of the client, and further determine the risk cost of the client according to the risk coefficient of the client.
Further, in any of the above embodiments, a value level evaluation module may be further included, configured to determine a value level corresponding to the customer according to the value data of the customer, and then determine a value level label corresponding to the customer according to the value level corresponding to the customer, where the value level label is used to indicate the value level of the customer.
Further, the system can further comprise a data transmission module which is used for uploading the value grade label of the customer and/or the value data of the customer to a banking system after the value grade label is calculated.
As a possible implementation manner, the actual revenue generated by the customer in any of the above embodiments may include part or all of the following information: commission revenue, interest revenue, installment revenue, withdrawal revenue, default income, annual fee revenue.
As a possible implementation manner, the actual cost invested by the customer in any of the above embodiments may include part or all of the following information: administrative costs, points costs, capital costs.
As a possible implementation manner, the account information of any of the above embodiments includes part or all of the following information: historical transaction information, payment records, overdue records, and limit use conditions.
As a possible implementation manner, the attribute information of the client in any of the above embodiments may include part or all of the following information: gender, school calendar, age, occupation, time of card holding.
In a third aspect, an embodiment of the present invention provides a network device, including:
a memory for storing program instructions;
a processor, configured to call the program instructions stored in the memory, and execute the method according to any of the foregoing first aspect or embodiments of the first aspect according to the obtained program.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium storing computer-executable instructions for causing a computer to perform the method according to the first aspect or any one of the embodiments of the first aspect.
Drawings
FIG. 1 is a flow chart of a method for quantifying credit card customer value provided herein;
FIG. 2 is a flow chart of another method for quantifying the customer value of a credit card provided herein;
FIG. 3a is a diagram illustrating a possible banking system interface provided by the present application;
FIG. 3b is a diagram illustrating another possible banking system interface provided by the present application;
FIG. 4 is a schematic diagram of an apparatus for quantifying the customer value of a credit card according to the present application;
fig. 5 is a schematic structural diagram of a network device provided in the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be clearly and completely described below with reference to the accompanying drawings of the present application.
As shown in fig. 1, a flowchart of a method for quantifying a credit card client value provided by the present application may be executed by a device for quantifying a credit card client value, which may be, for example, a server of a banking system or a processor in the server.
The method comprises the following steps:
And step 102, determining the risk cost of the customer according to the account information of the customer and the attribute information of the customer.
And 103, determining value data of the customer according to the actual income brought by the customer, the actual cost invested by the customer and the risk cost of the customer.
Based on the scheme, when the value of the customer is determined, not only is the actual income brought by the customer considered, but also the actual cost invested by the customer and the risk cost of the customer are considered, and the dimension of the customer in value quantification is improved, so that the value brought to a bank by the customer can be more accurately determined.
For step 101, the transaction information may include one or more of transaction amount, transaction time, and transaction merchant. For example, the transaction information includes a transaction amount. As another example, the transaction information includes a transaction amount and a transaction time. As another example, the transaction information includes transaction amount, transaction time, and transaction merchant. Of course, the transaction information in the present application is not limited to the above, and in practical applications, the transaction information may also include other information, such as a transaction location, a transaction number, and the like.
The actual income brought by the customer may include one or more of commission income, interest income, staging fee income, withdrawal income, default income and annual fee income. Such as actual revenue generated by the customer including commission revenue. As another example, the actual revenue generated by the customer includes commission revenue, installment revenue, and as another example, the actual revenue generated by the customer includes commission revenue, interest revenue, installment revenue, withdrawal revenue, default income, and annual revenue.
The actual cost of the customer investment may include one or more of administrative cost, points cost, and capital cost. Such as the actual costs invested in the customer including administrative costs. Further examples of the actual cost invested by the customer include administrative costs, capital costs. As another example, the actual costs invested in a customer include administrative costs, points costs, and capital costs.
As a specific implementation manner, a monthly balance schedule of the customer may be determined according to the transaction information of the customer, the monthly balance schedule includes monthly income brought by the customer and monthly cost invested by the customer, and further, the actual income brought by the customer and the actual cost invested by the customer may be determined according to the monthly balance schedule.
Table 1 is illustrated as a specific example. As shown in table 1, a specific example of a monthly balance list is provided for the present application. The monthly balance sheet is used for displaying the actual income brought by each month of the customer and the actual cost invested by each month of the customer.
TABLE 1 monthly COUNT-LOOP METER
From the monthly balance table shown in table 1 above, the actual revenue generated by the customer and the actual cost invested into the customer can be determined. For example, the actual revenue generated by the customer and the actual cost invested into the customer may be determined based on monthly revenue and monthly costs for 1-12 months. Specifically, the actual revenue generated by the customer is: 8770 (i.e., adding all of the revenue terms from month 1 to month 12 in Table 1), the actual cost invested by the customer is: 3701 (i.e., add all cost terms from month 1 to month 12 of table 1).
As another example, the actual revenue generated by the customer and the actual cost invested into the customer may be determined based on monthly revenue and monthly costs for 5-9 months. Specifically, the actual revenue generated by the customer is: 3512 (i.e., adding all revenue terms from month 5 to month 9 in table 1), the actual cost invested to the customer is: 1526 (i.e., add all cost terms from month 5 to month 9 of Table 1)
Of course, the actual revenue generated by the customer and the actual cost incurred by the customer may also be determined in other ways. Such as determining the actual revenue brought by the customer and the actual cost invested into the customer based on the monthly revenue and monthly costs of the last 6 months.
Furthermore, it should be noted that the actual revenue generated by the customer and the actual cost invested by the customer are determined in the same way for different customers. For example, the actual income brought by different customers and the actual cost invested by the customers are determined according to the monthly income and the monthly cost of the last 12 months, or the actual income brought by different customers and the actual cost invested by the customers are determined according to the monthly income and the monthly cost of 5-9 months, and the like.
For the step 102, the account information may include one or more of historical transaction information, payment record, overdue record, and limit usage. For example, the account information includes historical transaction information. Further examples of account information include historical transaction information, payment records. For another example, the account information includes historical transaction information, payment records, overdue records, and limit usage. Of course, the account information in the present application is not limited to the above, and in practical applications, the account information may also include other information, such as overdraft records. Optionally, the historical transaction information may include some or all of the following: historical transaction amount, historical transaction location, historical transaction time, and historical transaction merchant. Optionally, the payment record may include some or all of the following information: repayment amount, repayment frequency and repayment punctuality. Alternatively, the overdue record may include some or all of the following information: overdue amount, overdue amount. Optionally, the credit usage may include some or all of the following information: total overdraft cost and rate of usage.
The attribute information of the client may include one or more of gender, academic calendar, age, occupation, and card holding time. For example, the customer attribute information may include a customer's scholarship. As another example, the customer attribute information may include a scholarly and a profession of the customer. As another example, the customer attribute information may include gender, school calendar, age, occupation, and card holding time of the customer. Of course, the client attribute information in the present application is not limited to the above-mentioned ones, and in practical applications, the client attribute information may also include other information, such as a residence and the like.
In a possible implementation manner, the risk coefficient of the client may be determined according to the account information of the client and the attribute information of the client, and further the risk cost of the client may be determined according to the risk coefficient of the client. By means of risk coefficient of the client, the risk cost of the client can be determined more accurately.
In one possible implementation manner of the present application, the influence of the account information on the risk coefficient result is: the higher the usage rate of the quota is, the higher the risk coefficient is; the higher the repayment punctuality is, the lower the risk coefficient is; the lower the number of overdue periods, the lower the risk factor. Wherein, the influence of the attribute information on the risk coefficient result is as follows: the higher the customer's academic history is, the lower the risk factor is; the lower the occupational income of the customer, the higher the risk factor. The influence of each factor for determining the risk coefficient on the risk coefficient can be determined according to actual needs, and the application is not particularly limited.
As an example, determining the risk cost of the customer from the risk coefficients may be: c ═ X × P. Wherein C is the risk cost of the customer, P is the risk coefficient of the customer, and X is the total overdraft amount of the customer. For example, assuming that the risk factor of a customer is 0.1 and the total overdraft amount of the customer is 4200, the risk cost of the customer is 4200 × 0.1 — 420. For another example, assuming that the risk factor of the customer is 0.16 and the total overdraft amount of the customer is 5000, the risk cost of the customer is 5000 × 0.16 — 800.
For another example, determining the risk cost of the customer according to the risk coefficient may further include: c is 100+ X × P.
Of course, the method for determining the risk cost of the client according to the risk factor in the present application is not limited to the above methods, and in practical applications, the method may be set according to actual needs.
In one possible implementation manner of the present application, after step 102 and step 103, a monthly slice table may be generated, and the monthly slice table is used for displaying the actual income brought by the customer, the actual cost invested by the customer and the risk cost of the customer. Table 2 is an example of a monthly slice table provided herein:
TABLE 2 monthly slicer table
In one possible implementation, for step 103 above, the value data for the customer may be determined based on the actual revenue generated by the customer minus the actual cost invested by the customer and the risk cost of the customer. For example, assuming that the actual revenue brought by the customer is 5000, the actual cost invested for the customer is 2000, and the risk cost of the customer is 420, the value data of the customer is: 5000-.
For another example, if the actual income brought by the customer is 8000, the actual cost invested for the customer is 4700, and the risk cost of the customer is 3000, the value data of the customer is: 8000-.
For another example, if the actual income brought by the customer is 21000, the actual cost invested by the customer is 12000, and the risk cost of the customer is 10000, the value data of the customer is: 21000 ℃ 12000 ℃ 10000 ═ 1000.
Of course, in the present application, the method for determining the value data of the customer according to the actual income brought by the customer, the actual cost invested by the customer, and the risk cost of the customer is not limited to simple addition and subtraction, and in practical application, the method may be set according to actual needs, for example, the method may obtain the value data of the customer by multiplying the actual income brought by the customer, the actual cost invested by the customer, and the risk cost of the customer by a weighting coefficient, and then performing addition and subtraction.
Further, after the above step 103, the following step 104 may be further performed.
And 104, determining the corresponding customer value grade of the customer according to the customer value data, and generating a corresponding customer value grade label.
By way of example, based on the value data of a customer, the value rating of the customer may be divided into:
value class 1: the value data is more than 1000;
value class 2: 500 is less than or equal to 1000;
value class 3: the value data is more than 200 and less than or equal to 500;
value class 4: value data is more than 20 and less than or equal to 200;
value grade 5: the value data is more than 0 and less than or equal to 20;
value rating 6: the value data is 0;
value rating 7: -20 ≦ value data < 0;
value grade 8: -200 ≦ value data < -20;
value rating 9: -500 ≦ value data < -200;
value rating 10: -1000 ≦ value data < -500;
value rating 11: the value data is < -1000.
The value grade label corresponding to the value grade is as follows:
value class 1: a high value customer;
value class 2: medium and high value customers;
value class 3: a medium value customer;
value class 4: low-to-medium value customers;
value grade 5: low value customers;
value rating 6: a zero value customer;
value rating 7: low negative value customers;
value grade 8: low-medium negative value customers;
value rating 9: moderate negative value customers;
value rating 10: high and medium negative value customers;
value rating 11: high negative value customers;
for example, if the value data of customer a is 2580, the value level corresponding to customer a is value level 1, and the value level label of customer a is a high-value customer. For another example, if the value data of the client B is 300, the value level corresponding to the client B is value level 3, and the value level label of the client B is a medium-value client. For another example, if the value data of the customer C is-1000, the value grade corresponding to the customer C is the value grade 10, and the value grade label of the customer C is a medium-high negative value customer.
The value data determination rule, the value grade and the value grade label determination rule are only one implementation manner of the application, and in actual application, the value data determination rule, the value grade and the value grade label determination rule can be adjusted according to needs.
Further, after the above step 104, the following step 105 may also be performed.
With respect to step 105, in one possible implementation, the banking system may include, for example, the following systems: a card issuing system, an inline peripheral system, etc.
The value grade label of the customer and/or the value data of the customer are uploaded to a bank system, so that the value grade label of the customer and/or the value data of the customer can be conveniently and intuitively seen through the bank system during specific business operation, and management efficiency is improved.
As shown in fig. 2, a flow chart of yet another possible method for quantifying the customer value of a credit card is provided, the method comprising:
Wherein the customer transaction data is used to determine customer transaction information and customer account information.
The monthly balance sheet comprises monthly income brought by the customers and monthly cost invested by the customers, and the actual income brought by the customers and the actual cost invested by the customers can be determined according to the monthly income brought by the customers of the monthly balance sheet and the monthly cost invested by the customers.
With respect to step 202, in one possible implementation, a monthly balance table is generated according to the customer transaction information, and the generated monthly balance table is stored in the monthly slice feature database. The monthly slice characteristic database is used for storing a monthly balance sheet of the client.
Wherein the risk factor for the customer is indicative of a risk profile for the customer, the risk factor being usable to determine a risk cost for the customer.
The execution sequence of the step 202 and the step 203 is not particularly limited in the present application, for example, the step 202 may be executed first and then the step 203 may be executed, for example, the step 203 may be executed first and then the step 202 may be executed, and for example, the step 202 and the step 203 may be executed simultaneously.
And step 204, determining value data of the customer according to the actual income brought by the customer, the actual cost invested by the customer and the risk cost of the customer.
The customer value data table is used for displaying value data of customers corresponding to different customers, and the value data of the customers can be used more effectively. Table 3 is a table of value data for one possible customer provided by the present application.
TABLE 3 customer's value data sheet
And step 206, dividing the value grades according to the distribution condition of the value data of the customers in the customer value data table, and determining the value grade and the value grade label corresponding to each customer according to the divided value grades.
The value grade label of the customer is determined according to the value grade corresponding to the customer, and the value grade label of the customer is used for indicating the value grade of the customer.
In a possible implementation manner, during business operation, a banking staff may view the value level label of the customer through a banking system interface, and then may view the value data of the customer by clicking the value level label of the customer.
For example, as shown in fig. 3a, a display diagram of a possible banking system interface provided by the present application is shown. Wherein, the 'customer A' is the name of the customer, the 'credit card number' is the card number of the credit card corresponding to the customer, the 'customer value grade label' is the value grade label corresponding to the customer, and the 'customer information' is some information related to the customer. Alternatively, the customer value data as shown in FIG. 3b can also be obtained by clicking on the "customer value rating tab". Fig. 3b is a diagram showing another possible interface of a banking system provided by the present application. Wherein, the value data of the customer is displayed as the value data value of the customer, the value grade of the customer is displayed as the value grade corresponding to the customer, the actual income brought by the customer is displayed as the value of the actual income brought by the customer, the actual cost invested by the customer is displayed as the value of the actual cost invested by the customer, and the risk cost of the customer is displayed as the risk cost of the customer. Further, for different entries shown in fig. 3b, the corresponding specific data can be viewed by clicking on different entries, for example, the "income brought by the customer" can be viewed as commission income, interest income, installment income, withdrawal income, default income, annual fee income and the like.
It should be noted that fig. 3a and fig. 3b are both a possible implementation manner, and in practical applications, other implementation manners may also be available, which is not limited in this application.
Based on the same inventive concept, fig. 4 exemplarily shows a device for quantifying a credit card customer value provided by the present application, which can perform a flow of a method for quantifying a credit card customer value.
A revenue and expenditure cost determining module 401, configured to determine, according to the transaction information of the customer, an actual revenue brought by the customer and an actual cost invested by the customer;
a risk cost determination module 402, configured to determine a risk cost of the customer according to the account information of the customer and the attribute information of the customer;
a value data determining module 403, configured to determine value data of a customer according to an actual revenue brought by the customer, an actual cost invested by the customer, and a risk cost of the customer.
As a possible implementation manner, the balance cost determination module is specifically configured to determine a monthly balance table of the customer according to the transaction information of the customer, where the monthly balance table includes monthly income brought by the customer and monthly cost invested by the customer, and further determine actual income brought by the customer and actual cost invested by the customer according to the monthly balance table of the customer.
As a possible implementation manner, the risk cost determination module is specifically configured to determine a risk coefficient of the client according to the account information of the client and the attribute information of the client, and further determine the risk cost of the client according to the risk coefficient of the client.
Further, in any of the above embodiments, a value grade evaluating module 404 may be further included for determining a value grade corresponding to the customer according to the value data of the customer, and then determining a value grade label corresponding to the customer according to the value grade corresponding to the customer, where the value grade label is used for indicating the value grade of the customer.
Further, a data transmission module 405 may be included for uploading the value level label of the customer and/or the value data of the customer to the banking system after the value level label is calculated.
Further, in any of the above embodiments, a data obtaining module 406 may be further included, and the data obtaining module 406 may obtain the customer transaction information based on the customer transaction data, and obtain the attribute information of the customer based on the information recorded by the customer at the bank. The customer transaction information includes customer transaction information and customer account information.
As a possible implementation manner, the actual revenue generated by the customer in any of the above embodiments may include part or all of the following information: commission revenue, interest revenue, installment revenue, withdrawal revenue, default income, annual fee revenue.
As a possible implementation manner, the actual cost invested by the customer in any of the above embodiments may include part or all of the following information: administrative costs, points costs, capital costs.
As a possible implementation manner, the account information of any of the above embodiments includes part or all of the following information: historical transaction information, payment records, overdue records, and limit use conditions.
As a possible implementation manner, the attribute information of the client in any of the above embodiments may include part or all of the following information: gender, school calendar, age, occupation, time of card holding.
For the concept, explanation, detailed description and other steps related to the above device related to the technical solution provided by the embodiment of the present invention, please refer to the above method for quantifying the customer value of the credit card or the description related to these contents in other embodiments, which will not be described herein again.
Based on the above embodiments and the same concept, the embodiments of the present invention further provide a network device.
Fig. 5 is a schematic structural diagram of a network device provided in the present application. As shown in fig. 5, the network device 500 includes:
a memory 501 for storing program instructions;
a processor 502 for calling the program instructions stored in the memory to execute the method for quantifying the customer value of a credit card as described in any of the preceding embodiments in accordance with the obtained program.
Based on the above embodiments and the same concept, embodiments of the present invention also provide a computer storage medium storing computer-executable instructions for causing a computer to perform the method for quantifying credit card customer value described in any of the foregoing embodiments.
It should be noted that the division of the unit in the embodiment of the present invention is schematic, and is only a logic function division, and there may be another division manner in actual implementation. Each functional unit in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The procedures or functions according to the embodiments of the invention are brought about in whole or in part when the computer program instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wirelessly (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the embodiments of the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the embodiments of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to encompass such modifications and variations.
Claims (14)
1. A method for quantifying the value of a credit card customer, comprising:
determining actual income brought by a customer and actual cost invested by the customer according to transaction information of the customer;
determining the risk cost of the customer according to the account information of the customer and the attribute information of the customer;
determining value data for the customer based on actual revenue generated by the customer, actual costs invested into the customer, and the risk cost of the customer.
2. The method of claim 1, wherein determining the actual revenue generated by the customer and the actual cost invested into the customer based on the customer's transaction information comprises:
determining a monthly balance list of the customer according to the transaction information of the customer, wherein the monthly balance list comprises monthly income brought by the customer and monthly cost invested by the customer;
and determining the actual income brought by the customer and the actual cost invested into the customer according to the monthly balance sheet of the customer.
3. The method of claim 1 or 2, wherein determining the risk cost of the customer based on the account information of the customer and the attribute information of the customer comprises:
determining a risk coefficient of the customer according to the account information of the customer and the attribute information of the customer;
and determining the risk cost of the client according to the risk coefficient of the client.
4. The method of any one of claims 1-3, further comprising:
determining a value grade corresponding to the customer according to the value data of the customer;
and determining a value grade label corresponding to the customer according to the value grade corresponding to the customer, wherein the value grade label is used for indicating the value grade of the customer.
5. The method of claim 4, wherein the method further comprises:
uploading the value rating label of the customer and/or the value data of the customer to a banking system.
6. The method of any one of claims 1-5, wherein the actual revenue generated by the customer includes some or all of the following information:
commission income, interest income, installment income, withdrawal income, default income and annual income;
the actual cost invested by the customer includes some or all of the following information:
administrative costs, points costs, capital costs.
7. The method of any one of claims 1-6, wherein the account information includes some or all of the following information:
historical transaction information, repayment records, overdue records and limit use conditions;
the attribute information of the client includes part or all of the following information:
gender, school calendar, age, occupation, time of card holding.
8. An apparatus for quantifying a customer value of a credit card, comprising:
the system comprises a receiving and paying cost determination module, a payment processing module and a payment processing module, wherein the receiving and paying cost determination module is used for determining actual income brought by a client and actual cost invested by the client according to transaction information of the client;
the risk cost determination module is used for determining the risk cost of the customer according to the account information of the customer and the attribute information of the customer;
and the value data determining module is used for determining the value data of the customer according to the actual income brought by the customer, the actual cost invested by the customer and the risk cost of the customer.
9. The apparatus of claim 8, wherein the break-even cost determination module is specifically configured to:
determining a monthly balance list of the customer according to the transaction information of the customer, wherein the monthly balance list comprises monthly income brought by the customer and monthly cost invested by the customer;
and determining the actual income brought by the customer and the actual cost invested into the customer according to the monthly balance sheet of the customer.
10. The apparatus according to claim 8 or 9, wherein the risk cost determination module is specifically configured to:
determining a risk coefficient of the customer according to the account information of the customer and the attribute information of the customer;
and determining the risk cost of the client according to the risk coefficient of the client.
11. The apparatus of any one of claims 8-10, further comprising a value rating module to:
determining a value grade corresponding to the customer according to the value data of the customer;
and determining a value grade label corresponding to the customer according to the value grade corresponding to the customer, wherein the value grade label is used for indicating the value grade of the customer.
12. The apparatus of claim 11, further comprising a data transmission module for uploading the customer's value rating label and/or the customer's value data to a banking system.
13. The apparatus of claims 8-12, wherein the actual revenue generated by the customer includes some or all of the following information:
commission income, interest income, installment income, withdrawal income, default income and annual income;
the actual cost invested by the customer includes some or all of the following information:
administrative costs, points costs, capital costs.
14. The apparatus of any of claims 8-13, wherein the second transaction comprises some or all of the following information:
historical transaction information, repayment records, overdue records and limit use conditions;
the attribute information of the client includes part or all of the following information:
gender, school calendar, age, occupation, time of card holding.
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| CN201810962130.1A CN110858342A (en) | 2018-08-22 | 2018-08-22 | Method and device for quantifying customer value of credit card |
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| CN201810962130.1A CN110858342A (en) | 2018-08-22 | 2018-08-22 | Method and device for quantifying customer value of credit card |
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