CN112035681B - Method and device for determining credit card rate information based on knowledge graph - Google Patents
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Abstract
The invention discloses a credit card rate information determining method and device based on a knowledge graph, wherein the method comprises the following steps: acquiring client information of a target client; inquiring one or more associated clients of the target client from a pre-constructed client knowledge graph according to the client information of the target client; acquiring a credit attribute value of a target client and credit attribute values of all associated clients; and determining the rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute value of each associated client. The invention determines the group relation of each client based on the knowledge graph, further determines the procedure rate of each client for the installment payment according to the credit attribute information of each client and the related clients, and can realize personalized customization of the procedure rate of the credit card installment payment so as to improve the user experience of the client using the credit card.
Description
Technical Field
The invention relates to the field of knowledge graph application, in particular to a credit card rate information determining method and device based on a knowledge graph.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The credit card installment payment refers to the business that when a cardholder uses a credit card to consume a large amount of money, the card issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant at one time, the consumption funds are classified and withheld through the credit card account of the cardholder according to the application of the cardholder, and the cardholder pays back according to the monthly account amount.
The credit card installment payment method mainly comprises two kinds of bill installment and single consumption installment, and the bank usually charges corresponding procedure fees according to different time periods. Whether in bill stage or single consumption stage, the premise is to generate consumption behavior first and then make amortization setting for the generated credit by bank.
In the existing credit card installment payment system, the bank adopts the same procedure rate for different clients whether in bill installment or single consumption installment. The method can not realize personalized service, has higher interest rate for some high-quality clients, and leads to low client stage willingness, thereby influencing the business handling efficiency.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The embodiment of the invention provides a credit card rate information determining method based on a knowledge graph, which is used for solving the technical problem that in the existing credit card system, the same procedure rate calculating mode is adopted for the installment payment of different clients, and personalized installment payment procedure rates cannot be provided for different clients, and the method comprises the following steps: acquiring client information of a target client; inquiring one or more associated clients of the target client from a pre-constructed client knowledge graph according to the client information of the target client; acquiring a credit attribute value of a target client and credit attribute values of all associated clients; and determining the rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute value of each associated client.
The embodiment of the invention also provides a credit card rate information determining device based on a knowledge graph, which is used for solving the technical problem that in the existing credit card system, the same procedure rate calculation mode is adopted for the installment payment of different clients, and personalized installment payment procedure rates cannot be provided for different clients, and the device comprises: the client information acquisition module is used for acquiring the client information of the target client; the knowledge graph query module is used for querying one or more associated clients of the target client from a pre-constructed client knowledge graph according to the client information of the target client; the client credit attribute value acquisition module is used for acquiring the credit attribute value of the target client and the credit attribute value of each associated client; and the rate information determining module is used for determining the rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of the associated clients.
The embodiment of the invention also provides a computer device for solving the technical problem that in the existing credit card system, the same procedure rate calculation mode is adopted for the installment payment of different clients, and the personalized installment payment procedure rate cannot be provided for different clients.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problem that the personalized installment rate for different customers cannot be provided by adopting the same procedure rate calculation mode aiming at the installment payment of different customers in the existing credit card system.
In the embodiment of the invention, after the client information of the target client is obtained, one or more associated clients of the target client are queried from a pre-constructed client knowledge graph according to the client information of the target client, and then the credit attribute value of the target client and the credit attribute value of each associated client are obtained, so that the rate information of the target client for executing the installment payment operation is determined according to the credit attribute value of the target client and the credit attribute value of each associated client.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
fig. 1 is a flowchart of a method for determining credit card rate information based on a knowledge graph according to an embodiment of the present invention;
FIG. 2 is a flowchart of an alternative method for determining credit card rate information based on a knowledge graph, which is provided in an embodiment of the invention;
fig. 3 is a schematic diagram of a credit card rate information determining device based on a knowledge graph according to an embodiment of the present invention;
fig. 4 is a schematic diagram of an alternative credit card rate information determining apparatus based on a knowledge graph according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a computer device according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
The embodiment of the invention provides a credit card rate information determining method based on a knowledge graph, which can be applied to but not limited to various credit card systems (common credit cards or electronic credit card business systems) for determining the procedure rate of installment payment of different clients.
Fig. 1 is a flowchart of a method for determining credit card rate information based on a knowledge graph, which is provided in an embodiment of the present invention, as shown in fig. 1, and includes the following steps:
s101, acquiring client information of a target client.
It should be noted that, in the embodiment of the present invention, the target client refers to the client whose credit card installment payment procedure rate is to be determined, and the client information obtained in S101 may be various kinds of credit attribute information capable of affecting the credit rating of the client, such as asset information, credit card default times, gender, and the like.
S102, according to the client information of the target client, one or more relevant clients of the target client are queried from a pre-constructed client knowledge graph.
In one embodiment, before executing S102, the embodiment of the present invention may further construct a client knowledge graph including a plurality of clients and association relationships between the clients by: collecting client information of a plurality of clients; and constructing a client knowledge graph according to the acquired client information, wherein entity nodes in the client knowledge graph are clients, and the side relationship among the nodes is a client relationship.
Alternatively, the customer information of each customer may be collected from the customer relationship management system of the bank at the time of collecting the customer information of each customer.
S103, obtaining the credit attribute value of the target client and the credit attribute values of the associated clients.
In specific implementation, in an embodiment of the present invention, the credit attribute value of each client (target client or associated client) is determined by: acquiring at least one credit attribute of each client; configuring a credit score value and a weight value corresponding to each credit attribute; and calculating the credit attribute value of each client according to the credit score value and the weight value corresponding to each credit attribute by the following formula:
wherein C is k Representing the kth client; credeit (C) k ) Representing customer C k Credit attribute values of (2); v (V) i Representing the ith credit attribute, wherein the value range is 0-100; w (w) i The weight value representing the ith credit attribute is in the range of 0-1.
S104, determining the rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of the associated clients.
In specific implementation, the above S104 may calculate the rate information of the target client performing the installment operation by the following formula:
wherein, rate (C k ) Representing customer C k The procedure rate of installment payment; r represents the loan procedure rate initially set by the credit card system; w1 represents a first preset weight value; w2 represents a second preset weight value; credeit (r) k ) A credit attribute value representing a jth associated client of client k; n represents the number of associated clients for client k.
Optionally, in the embodiment of the present invention, after determining the credit attribute value and the installment rate of each client, the credit attribute value and the installment rate of each client are used as the attribute information of the client entity and the node in the client knowledge graph, so that each client directly queries the credit attribute value and the installment rate of each client based on the client knowledge graph in the process of transacting the installment business in the later period.
Assuming that the entity corresponding to the node to be calculated in the client knowledge graph is Zhang three, the entities corresponding to the associated node with the edge relation of the node are King five and Li Liu respectively, wherein the node corresponding to Zhang three is expressed as:
entity name: thirdly, stretching;
attribute one: asset attribute value: 100 ten thousand;
attribute two: credit card number of violations attribute value: 0;
attribute three: sex attribute value: a male;
attribute four: enterprise one attribute value: china banking;
attribute five: credit attribute value: credit (Zhang San);
attribute six: procedure rate attribute value: rate (Zhang three);
…
relationship (edge of knowledge graph): wangwu Li Liu
The credit attribute value of the third sheet can be calculated by the above formula (1) as follows:
the handling fee value of Zhang III can be calculated by the formula (2) as follows:
rate (Zhang San) = r× (1-w1×credit (Zhang Sant) 100-w2× (credit (wang) +credit (Li Liu)) 100.
Further, in one embodiment, after determining the rate information of the target client for performing the installment payment operation according to the credit attribute value of the target client and the credit attribute value of each associated client, as shown in fig. 2, the method for determining the credit card rate information based on the knowledge graph according to the embodiment of the present invention may further include the following steps:
s105, receiving an installment payment service request initiated by a target client;
s106, inquiring the rate information of the target client for executing the installment operation according to the installment business request;
s107, executing the business operation corresponding to the installment business request according to the inquired procedure rate.
It should be noted that the request for the installment service in S105 may be, but is not limited to, an installment service application request initiated by the target client during the process of transacting the credit card installment service through the credit card system.
Because the customer information is continuously changed, in order to more accurately determine the procedure rate of the installment payment of each customer, in one embodiment, the credit card rate information determining method based on the knowledge graph provided by the embodiment of the invention can further realize the dynamic change of the rate information through the following steps: acquiring updated customer information; updating the client knowledge graph according to the updated client information; and determining the rate information of the target client for executing the installment payment operation according to the updated client knowledge spectrogram.
In a specific implementation, after the client information is updated, a knowledge graph is updated according to the updated client information, one or more associated clients associated with the target client are determined based on the updated knowledge graph, the credit attribute value of the target client and the credit attribute value of each associated client are determined according to the updated client information through the formula (1), and the rate information of the target client for executing the installment payment operation is determined according to the updated credit attribute value of the target client and the credit attribute value of each associated client through the formula (2).
Taking a common credit card service of a bank as an example, the method for determining the personal credit card stage rate based on the knowledge graph provided by the embodiment of the invention comprises the following specific steps:
(1) and collecting client information of each client from the personal client relationship management system, and constructing a client knowledge graph according to the collected client information.
(2) The procedure rate for installment of each customer is calculated. Based on the side relationship of the client knowledge graph, determining client information of one or more associated clients associated with a computing node (the node where the target client is located), and performing mobile computing on the commission rate of the target client for installment payment through the credit attribute value of the target client and the credit attribute value of the associated client with the side relationship.
(3) And updating the credit attribute value of each client in the client knowledge graph according to the latest state of the client knowledge graph, and then automatically updating the commission rate value of the target client installment payment.
(4) And inquiring the credit card stage fee corresponding to the target client based on the client knowledge graph in the process of handling the credit card stage by the target client.
Therefore, in the embodiment of the invention, the client knowledge graph is constructed according to the personal information of the personal client relationship management system. According to the method, the device and the system, the stage procedure charge of any node of the knowledge graph is determined according to the information of each client, then the procedure charge of each node is automatically adjusted through the associated client of each client until the procedure charge of the client knowledge graph is in a stable state, and finally the stage procedure charge of each client is determined.
The embodiment of the invention also provides a credit card rate information determining device based on the knowledge graph, as described in the following embodiment. Because the principle of the device for solving the problem is similar to that of the credit card rate information determining method based on the knowledge graph, the implementation of the device can refer to the implementation of the credit card rate information determining method based on the knowledge graph, and the repetition is omitted.
Fig. 3 is a schematic diagram of a credit card rate information determining device based on a knowledge graph according to an embodiment of the present invention, where, as shown in fig. 3, the device includes: a customer information acquisition module 31, a knowledge graph query module 32, a customer credit attribute value acquisition module 33, and a rate information determination module 34.
Wherein, the client information obtaining module 31 is configured to obtain client information of a target client; a knowledge graph query module 32, configured to query one or more associated clients of the target client from a pre-constructed client knowledge graph according to client information of the target client; a client credit attribute value obtaining module 33, configured to obtain a credit attribute value of a target client and a credit attribute value of each associated client; and the rate information determining module 34 is configured to determine rate information of the target client for performing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of the associated clients.
In one embodiment, as shown in fig. 4, the credit card rate information determining apparatus based on a knowledge graph provided in the embodiment of the present invention may further include: a knowledge graph construction module 35 for: collecting client information of a plurality of clients; and constructing a client knowledge graph according to the acquired client information, wherein entity nodes in the client knowledge graph are clients, and the side relationship among the nodes is a client relationship.
In one embodiment, as shown in fig. 4, the credit card rate information determining apparatus based on a knowledge graph provided in the embodiment of the present invention may further include: an installment module 36 for: receiving an installment payment service request initiated by a target client; inquiring the rate information of the target client for executing the installment operation according to the installment business request; and executing the business operation corresponding to the installment business request according to the inquired procedure rate.
In one embodiment, as shown in fig. 4, the credit card rate information determining apparatus based on a knowledge graph provided in the embodiment of the present invention may further include: rate information updating module 37 for: acquiring updated customer information; updating the client knowledge graph according to the updated client information; and determining the rate information of the target client for executing the installment payment operation according to the updated client knowledge spectrogram.
The embodiment of the present invention further provides a computer device, which is used for solving the technical problem that in the existing credit card system, the same procedure rate calculation mode is adopted for the installment payment of different customers, and the personalized installment payment procedure rate cannot be provided for different customers, and fig. 5 is a schematic diagram of the computer device provided in the embodiment of the present invention, as shown in fig. 5, the computer device 50 includes a memory 501, a processor 502, and a computer program stored on the memory 501 and capable of running on the processor 502, and the processor 502 implements the method for determining the credit card rate information based on the knowledge graph when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problem that the personalized installment rate for different customers cannot be provided by adopting the same procedure rate calculation mode aiming at the installment payment of different customers in the existing credit card system.
In summary, the embodiment of the invention provides a method, a device, a computer device and a computer readable storage medium for determining credit card rate information based on a knowledge graph, after obtaining client information of a target client, according to client information of the target client, one or more associated clients of the target client are queried from a pre-constructed client knowledge graph, and further credit attribute values of the target client and credit attribute values of each associated client are obtained, so as to determine rate information of a target client for executing a installment payment operation according to the credit attribute values of the target client and the credit attribute values of each associated client.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, 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, 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.
The present invention is 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.
The foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A method for determining credit card rate information based on a knowledge graph, comprising:
acquiring client information of a target client;
inquiring one or more associated clients of the target client from a pre-constructed client knowledge graph according to the client information of the target client;
acquiring the credit attribute value of the target client and the credit attribute value of each associated client;
determining rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of all the associated clients;
the method further comprises the steps of:
acquiring at least one credit attribute of each client;
configuring a credit score value and a weight value corresponding to each credit attribute;
and calculating the credit attribute value of each client according to the credit score value and the weight value corresponding to each credit attribute by the following formula:
wherein C is k Representing the kth client; credeit (C) k ) Representing customer C k Credit attribute values of (2); v (V) i Representing an ith credit attribute; w (w) i A weight value representing an ith credit attribute;
calculating rate information of the target client for performing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of the associated clients by the following formula:
wherein, rate (C k ) Representing customer C k The procedure rate of installment payment; r represents the loan procedure rate initially set by the credit card system; w1 represents a first preset weight value; w2 represents a second preset weight value; credeit (r) k ) A credit attribute value representing a jth associated client of client k; n represents the number of associated clients for client k.
2. The method of claim 1, wherein the method further comprises:
collecting client information of a plurality of clients;
and constructing a client knowledge graph according to the acquired client information, wherein entity nodes in the client knowledge graph are clients, and the side relationship among the nodes is a client relationship.
3. The method of claim 1, wherein after determining rate information for the target client to perform an installment operation based on the credit attribute value of the target client and the credit attribute values of the respective associated clients, the method further comprises:
receiving an installment payment service request initiated by the target client;
inquiring rate information of the target client for executing the installment operation according to the installment business request;
and executing the installment operation of the installment business request according to the inquired procedure rate.
4. The method of claim 1, wherein after determining rate information for the target client to perform an installment operation based on the credit attribute value of the target client and the credit attribute values of the respective associated clients, the method further comprises:
acquiring updated customer information;
updating the client knowledge graph according to the updated client information;
and determining the rate information of the target client for carrying out the installment payment operation according to the updated client knowledge spectrogram.
5. A credit card rate information determining apparatus based on a knowledge graph, comprising:
the client information acquisition module is used for acquiring the client information of the target client;
the knowledge graph query module is used for querying one or more associated clients of the target client from a pre-constructed client knowledge graph according to the client information of the target client;
the client credit attribute value acquisition module is used for acquiring the credit attribute value of the target client and the credit attribute value of each associated client;
the rate information determining module is used for determining rate information of the target client for executing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of all the associated clients;
the client credit attribute value acquisition module is further used for acquiring at least one credit attribute of each client; configuring a credit score value and a weight value corresponding to each credit attribute; and calculating the credit attribute value of each client according to the credit score value and the weight value corresponding to each credit attribute by the following formula:
wherein C is k Representing the kth client; credeit (C) k ) Representing customer C k Credit attribute values of (2); v (V) i Representing an ith credit attribute; w (w) i A weight value representing an ith credit attribute;
the rate information determining module is further configured to calculate rate information of the target client for performing the installment payment operation according to the credit attribute value of the target client and the credit attribute values of the associated clients, by using the following formula:
wherein, rate (C k ) Representing customer C k The procedure rate of installment payment; r represents the loan procedure rate initially set by the credit card system; w1 represents a first preset weight value; w2 represents a second preset weight value; credeit (r) k ) A credit attribute value representing a jth associated client of client k; n represents the number of associated clients for client k.
6. The apparatus of claim 5, wherein the apparatus further comprises:
the knowledge graph construction module is used for: collecting client information of a plurality of clients; and constructing a client knowledge graph according to the acquired client information, wherein entity nodes in the client knowledge graph are clients, and the side relationship among the nodes is a client relationship.
7. The apparatus of claim 5, wherein the apparatus further comprises:
an installment module for: receiving an installment payment service request initiated by the target client; inquiring rate information of the target client for executing the installment operation according to the installment business request; and executing the installment operation of the installment business request according to the inquired procedure rate.
8. The apparatus of claim 5, wherein the apparatus further comprises:
the rate information updating module is used for: acquiring updated customer information; updating the client knowledge graph according to the updated client information; and determining the rate information of the target client for carrying out the installment payment operation according to the updated client knowledge spectrogram.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the knowledge-graph based credit card rating information determining method of any of claims 1 to 4 when the computer program is executed.
10. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the knowledge-graph-based credit card rate information determination method according to any one of claims 1 to 4.
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