CN112927087A - Financing information processing system, financing information processing method, computer device, and storage medium - Google Patents
Financing information processing system, financing information processing method, computer device, and storage medium Download PDFInfo
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Abstract
The invention discloses a financial information processing system, a financial information processing method, a computer device and a storage medium, wherein the financial information processing system comprises an information acquisition module and an evaluation analysis module, the information acquisition module acquires financial information import data through an optical character recognition unit, a voice recognition conversion unit and a chat record recognition unit, the evaluation analysis module excavates client data characteristics in the financial information import data, and generates a combination scheme according to the client data characteristics matched with corresponding financial products. The invention can reduce the manual operation of the financial operators, improve the low transmission efficiency and accuracy of information, help to reduce the workload of the financial operators, facilitate the follow-up tracking, realize the financial information processing system on different mobile devices by developing the way that computer programs are installed on mobile devices such as mobile phones and the like, have higher transportability and facilitate the development of the marketing work of financial products at any time and any place. The invention is widely applied to the technical field of computers.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a financial information processing system, a financial information processing method, a computer device and a storage medium.
Background
The financial product is a product with high customization degree, and needs a financial engineer to communicate with a client, and designs or matches a corresponding financial product scheme after knowing the information and the requirements of the client. In the prior art, after oral communication is carried out between a financial manager and a client, information is manually input into a computer system, the information transmission efficiency is low, the accuracy is poor, and the tracking is difficult in the later period.
Disclosure of Invention
In view of at least one of the above-mentioned technical problems, it is an object of the present invention to provide a financial information processing system, method, computer apparatus and storage medium.
In one aspect, an embodiment of the present invention includes a financial information processing method, including:
the information acquisition module comprises an optical character recognition unit, a voice recognition conversion unit and a chat record recognition unit; the optical character recognition unit is used for acquiring a picture containing character data and converting the picture into financial information import data through a picture recognition engine; the voice recognition conversion unit is used for acquiring voice data and converting the voice data into financial information import data through a voice recognition engine; the chat record identification unit is used for acquiring chat records of communication software and converting the chat records into financial information import data;
the evaluation analysis module comprises a data correlation analysis unit, a product matching unit and a scheme generation unit; the data association analysis unit is used for mining client data characteristics in the financing information import data and recording the client data characteristics into a big data client portrait; the product matching unit matches the corresponding financial product according to the client data characteristics; the scheme generating unit is used for generating a combined scheme according to the financing product.
Furthermore, the information acquisition module also comprises a manual input unit, and the manual input unit is used for acquiring financial information import data manually input.
Furthermore, the information acquisition module further comprises a comparison unit, and the comparison unit is used for comparing and marking the same part and different parts among the financial information import data acquired by the optical character recognition unit, the financial information import data acquired by the voice recognition conversion unit and the financial information import data acquired by the chat record recognition unit.
Further, the financial information processing system further includes:
and the report generation module comprises a client report presentation unit, and the client report presentation unit is used for generating a client report according to the combination scheme and sharing the client report to a client in a webpage link mode.
Further, the report generation module further comprises a dynamic balance unit, the dynamic balance unit is used for acquiring income, family condition and consumption level of the client, carrying out readjustment evaluation according to the income, family condition and consumption level, and transmitting the result of the readjustment evaluation to the evaluation analysis module, so that the evaluation analysis module adjusts the combination scheme.
Further, the converting the chat records into financial information import data includes:
positioning a first keyword and a second keyword sent by a financial institution in the chat records;
acquiring continuous segments positioned between the first keywords and the second keywords in the chat records;
and performing semantic recognition on the continuous segments, and extracting the financing information import data.
Further, the financial information import data comprises family information, expected investment income and investment plans of the clients; wherein the expected return on investment comprises return required during reserve period, return required during consumption period, capacity for bearing risk and present risk.
On the other hand, the embodiment of the invention also comprises a financial information processing method, which comprises the following steps:
acquiring financing information import data through at least one of a first mode, a second mode and a third mode; the first mode is to obtain a picture containing text data, and convert the picture into financial information import data through a picture recognition engine; the second mode is that voice data is obtained, and the voice data is converted into financial information import data through a voice recognition engine; the third mode is that the chat records of the communication software are obtained, and the chat records are converted into financial information import data;
mining the client data characteristics in the financing information import data;
recording the customer data characteristics into a big data customer representation;
matching corresponding financial products according to the client data characteristics;
and generating a combined scheme according to the financial product.
In another aspect, the embodiment of the present invention further includes a computer apparatus, including a memory for storing at least one program and a processor for loading the at least one program to execute the financial information processing method in the embodiment.
In another aspect, embodiments of the present invention further include a storage medium in which a processor-executable program is stored, the processor-executable program being configured to perform the financial information processing method in the embodiments when executed by a processor.
The invention has the beneficial effects that: the financial information processing system and the financial information processing method in the embodiment can reduce the manual operation of a financial manager, improve the low transmission efficiency and accuracy of information, help to reduce the workload of the financial manager, facilitate the later tracking, realize the financial information processing system on different mobile devices by means of installing a computer program into the mobile devices such as mobile phones and the like, have higher portability and facilitate the marketing work of financial products at any time and any place by using various different modes such as an optical character recognition unit, a voice recognition conversion unit, a chat record recognition unit and the like to obtain financial information import data and then generating a corresponding financial product combination scheme according to the financial information import data by using a computer system.
Drawings
FIG. 1 is a block diagram of a financial information processing system in an embodiment;
FIG. 2 is a flow chart of a financial information processing method in an embodiment;
FIG. 3 is a schematic diagram of the steps in an embodiment to identify specific objectives for financing with a customer;
FIG. 4 is a schematic diagram of the expected revenue estimation step in the embodiment;
FIG. 5 is a schematic diagram of the steps of investment and insurance configuration in an embodiment;
FIG. 6 is a schematic diagram of this step of product assembly configuration in an embodiment;
FIG. 7 is a schematic diagram of a step of configuring the expected benefit check in the embodiment.
Detailed Description
In this embodiment, referring to fig. 1, the financial information processing system includes an information acquisition module, an evaluation analysis module, and a report generation module. The system comprises an information acquisition module, an evaluation analysis module and a report generation module, wherein the information acquisition module comprises an optical character recognition unit, a voice recognition conversion unit, a chat record recognition unit, a manual input unit and a comparison unit, the evaluation analysis module comprises a data association analysis unit, a product matching unit and a scheme generation unit, and the report generation module comprises a customer report presentation unit and a dynamic balance unit. The modules may be software modules or hardware modules having corresponding functions in a software system or a hardware system, or may be a combination of software and hardware. For example, if a mobile phone is used as the financial information processing system, the information collection module, the evaluation analysis module and the report generation module may be a combination of a processor and a memory configured with corresponding computer programs, respectively, and the above units may be sub-functions in the corresponding modules.
In this embodiment, the optical character recognition unit is configured to obtain a picture including text data, and convert the picture into financial information import data through the picture recognition engine. During the online or offline communication process between the financial institution and the client, the financial institution or the client can operate the mobile phone to shoot the pictures containing text data, such as contracts, propaganda data and the like, and the picture recognition engine is operated at the local or cloud of the mobile phone to convert the pictures into financial information import data.
In this embodiment, the voice recognition conversion unit is configured to acquire voice data, and convert the voice data into financial information import data through the voice recognition engine. In the online or offline communication process of the financial institutions and clients, the financial institutions can obtain the consent of the clients, the mobile phone is used for recording the whole communication process of the financial institutions and the clients to form voice data, the voice recognition engine is operated locally or in a cloud of the mobile phone, and the voice data is converted into financial information importing data.
In this embodiment, the chat record identification unit is configured to obtain a chat record of the communication software, and convert the chat record into financial information import data. In the communication process of the financial instruments and the clients through WeChat or communication software such as communication functions integrated in financial software, the financial instruments can obtain the agreement of the clients, the mobile phone runs the plug-in function, chat records are extracted from running logs of the communication software, and the chat records are converted into financial information import data. When using the chat log recognition unit, the financial institution may be required to speak a first keyword to the customer while chatting with the customer through the communication software to instruct the customer to describe the information with the financial information import data and a second keyword to the customer to indicate that sufficient financial information import data has been acquired. For example, the financial institution may say "please introduce your situation" as a first key word and "i have learned your situation" as a second key word, and the chatting record identifying unit extracts a continuous section from the continuous chatting record from the start of "please introduce your situation" to the end of "i have learned your situation", semantically identifies the section, and extracts the financial information importing data.
In this embodiment, the financial information import data to be extracted includes family information, expected investment income, and investment plans of the client; the expected return on investment includes information of return required during the reserve period, return required during the consumption period, capacity of risk, current risk and the like. The data screening unit can be arranged in the information acquisition module or the evaluation analysis module, and repeated and unreasonable information in financial information import data acquired by the optical character recognition unit, the voice recognition conversion unit, the chat record recognition unit and the like is eliminated.
In this embodiment, the manual input unit in the information acquisition module is used for displaying the input box through the mobile phone display screen, so that a financier or a client can manually input financing information import data. By arranging the manual input unit, the financial information import data can still be acquired when the optical character recognition unit, the voice recognition conversion unit or the chat record recognition unit fails.
In this embodiment, when the financial information import data is obtained through the optical character recognition unit, the voice recognition conversion unit and the chat record recognition unit, the financial information import data can be compared through the operation comparison unit, the same part and different parts of the financial information import data are marked, and the financial information import data is displayed in a highlight mode through the display screen, so that a financier and a client are reminded, whether the financial information import data confirmed in three different modes, namely, through paper materials, face-to-face conversation and chat through communication software comes in and goes out or not is avoided, and accordingly, subsequent information mistakes or legal disputes are avoided.
In this embodiment, the data association analysis unit in the evaluation analysis module acquires the financial information import data from the information acquisition module, excavates the client data characteristics from the financial information import data, and records the client data characteristics into the big-data client figure. And a product matching unit in the evaluation analysis module matches one or more corresponding financial products according to the characteristics of the client data. The scheme generating unit selects part or all of the financing products matched by the product matching unit to generate a combined scheme.
In this embodiment, the client report presenting unit in the report generating module generates a client report according to the combination scheme, and the client report is shared by the clients in a web page link mode, so that the clients can know which financial product the client is suitable for purchasing under the current condition by reading the client report, and generate purchase willingness for the financial product recommended in the client report, thereby realizing paperless property in the whole course of financial marketing and making contribution to the environmental protection industry.
In this embodiment, after the customer report is shared by the customers, in a subsequent period, the dynamic balancing unit in the report generation module may track and investigate the variation conditions of the customer's income, family condition, consumption level, and the like, readjust and evaluate according to the varied income, family condition, and consumption level, and transmit the result of readjusting and evaluating to the evaluation and analysis module, so that the evaluation and analysis module adjusts the combination scheme.
In this embodiment, the financial information processing method may be executed using a financial information processing system, and referring to fig. 2, the financial information processing method includes the steps of:
s1, acquiring financing information import data through at least one of a first mode, a second mode and a third mode; the first mode is to obtain a picture containing text data, and convert the picture into financial information import data through a picture recognition engine; the second mode is that voice data is obtained, and the voice data is converted into financial information import data through a voice recognition engine; the third mode is that the chat records of the communication software are obtained, and the chat records are converted into financial information import data;
s2, mining the characteristics of client data in the financing information import data;
s3, recording the characteristics of the client data into a big data client portrait;
s4, matching corresponding financial products according to the characteristics of the client data;
and S5, generating a combined scheme according to the financing product.
In this embodiment, when step S4 is executed, the following steps may be executed:
s401, confirming a concrete object of financing with a client;
referring to fig. 3, the content of step S401 includes: who is used, the total amount of money required, how long it takes, and how much time reserve is intended. For most domestic households, financial objectives are multi-component and simultaneous. For example, the long-term demand for the provision of education expenses for children and the short-term demand for changing houses and vehicles are both satisfied. Including making money on investment, can also be cut into short-term small targets. The financial goal is defined to solve the recognition of the expected profitability of the investment, the duration of the investment, and the risk and income characteristics of the investment portfolio itself. For long-term financial objectives (e.g., education money, retirement care, child marriage or startup preparation), the exposure rate of funds (placed on relatively high-risk assets) should be proportional to the distance from the date the funds are used. I.e., the closer to the capital life, the lower the proportion of high-risk investment.
S402, measuring and calculating expected income (subjective evaluation);
referring to fig. 4, step S402 includes:
(1) the basic formula for the expected revenue is:
this gold x (1+ expected yield) at the present datenThe expected yield rate for realizing the financial management target of the client can be deduced according to the formula;
(2) the reasonable derived yield interval should be below 20% (average annual, same below) and falls within the achievable range. If the calculated expected profitability is higher than 20%, the customer needs to communicate with the client to adjust the profitability in the following three ways:
i. reducing the amount of money required by the target;
increasing the current investment amount;
increasing reserve cycle age;
(3) the standard KYC achievement of an investor (client) needs to be matched with the subjective income expectation of the investor, which is a subjective evaluation item, and also needs to be comprehensively evaluated and calculated with an objective evaluation item (see the next section);
(4) the target risk identification is evaluated for the continuity of the investor's own fund flow. Because continuous capital investment is mostly needed for realizing the financing goal, the factor which possibly influences the fund flow capacity of the investor is combed in the stage is an important process for assisting the investor to know the personal risk.
S403, investment and insurance allocation (objective preliminary allocation);
referring to fig. 5, step S403 includes:
(1) the investment configuration is directed to financing objectives and the insurance configuration is directed to the actual insured.
(2) At present, no objective fair theoretical framework aiming at individual investment allocation exists in the market. The method is widely used for calculating by referring to Black-Litterman model principles suitable for individual investors according to the demands of investors with different risk preferences, and the allocation proportions of 'robust defense', 'defense counterattack', 'positive attack' assets in investment allocation of investors suitable for different risk bearing capacities in the season are given.
(3) The insurance allocation is measured by using the guarantee type insurance, and adopts the double 10 principle commonly used in the industry as the framework. The insurance amount of 10 times of the annual income refers to the income filling principle after the main income source (insured) loses the continuous working capacity, and can be calculated by the annual income or by 10 times of the necessary expenditure of annual families. And then, the method is adjusted by a heritage demand method, and the method is an insurance demand calculation method for calculating the cash or income required by other members of the family to maintain the expenses of medical treatment, life, child education and the like when the insured life has an accident.
S404, product combination configuration;
referring to fig. 6, step S404 includes:
(1) in the investment portfolio configuration, the proportion of high risk portions to the investor's overall funds is used to configure the proportion of stock funds or stock fund combinations. The general household asset allocation model selects stock fund combination as a main allocation target at a high-risk investment part, and has smooth part of fluctuation risk compared with the direct investment of stocks, thereby meeting the risk bearing capacity of most middle-yield investors. Corresponding to a general product risk income system, products configured at high risk parts comprise 'defense counterattack type' products and 'active attack type' products.
(2) Low risk sites can be subdivided into: low risk investment, liquidity capital. The proportion of liquidity funds can be prepared for a 6 month demand for the domestic cash flow in accordance with the recommendations of the standard pool asset allocation. The rest are configured in low-risk hybrid or bond fund combinations. The low-risk investment is configured to be a mixed or bond fund combination in a 'robust defense type' product, a cost-keeping structural product and the like corresponding to a general product risk income system. The liquidity funds may configure cash management type products in "robust defense type" products in the popular product system.
(3) When various fund combinations can be selected, the Black-Litterman model principle suitable for individual investors can be referred for measurement and calculation, and the subjective income expectation of the investors is comprehensively considered.
(4) The insurance portfolio configuration considers revenue replacement for two major risk scenarios: go too early-life insurance combination (lifetime + period), live too long-age insurance or universal insurance with policy cash value. In the actual asset allocation, it is feasible to consider the premium and determine the premium. For the risk and income system of the standard general product, the part is configured into a safety guarantee type product.
S405, configuring expected benefit verification;
referring to fig. 7, step S405 includes:
(1) and according to the initial planning of investment allocation, calculating an expected income drop point, and comparing the expected income drop point with a financing target in the first stage. The aim is to compare the difference between the investment portfolio and the expected target, and the financial object with longer period can tolerate the deviation degree between the measurement and the target.
(2) The insurance allocation stage focuses on measurement, calculation and verification of the insurance quota, and whether the insurance quota of the investor is enough to support the family to maintain the existing living standard or not under different claim settlement scenes is evaluated.
The financial information processing method in the present embodiment may be executed by writing a computer program that executes the financial information processing method in the present embodiment, writing the computer program into a computer device or a storage medium, and when the computer program is read out to run.
It should be noted that, unless otherwise specified, when a feature is referred to as being "fixed" or "connected" to another feature, it may be directly fixed or connected to the other feature or indirectly fixed or connected to the other feature. Furthermore, the descriptions of upper, lower, left, right, etc. used in the present disclosure are only relative to the mutual positional relationship of the constituent parts of the present disclosure in the drawings. As used in this disclosure, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. In addition, unless defined otherwise, all technical and scientific terms used in this example have the same meaning as commonly understood by one of ordinary skill in the art. The terminology used in the description of the embodiments herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this embodiment, the term "and/or" includes any combination of one or more of the associated listed items.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various elements, these elements should not be limited by these terms. These terms are only used to distinguish one element of the same type from another. For example, a first element could be termed a second element, and, similarly, a second element could be termed a first element, without departing from the scope of the present disclosure. The use of any and all examples, or exemplary language ("e.g.," such as "or the like") provided with this embodiment is intended merely to better illuminate embodiments of the invention and does not pose a limitation on the scope of the invention unless otherwise claimed.
It should be recognized that embodiments of the present invention can be realized and implemented by computer hardware, a combination of hardware and software, or by computer instructions stored in a non-transitory computer readable memory. The methods may be implemented in a computer program using standard programming techniques, including a non-transitory computer-readable storage medium configured with the computer program, where the storage medium so configured causes a computer to operate in a specific and predefined manner, according to the methods and figures described in the detailed description. Each program may be implemented in a high level procedural or object oriented programming language to communicate with a computer system. However, the program(s) can be implemented in assembly or machine language, if desired. In any case, the language may be a compiled or interpreted language. Furthermore, the program can be run on a programmed application specific integrated circuit for this purpose.
Further, operations of processes described in this embodiment can be performed in any suitable order unless otherwise indicated herein or otherwise clearly contradicted by context. The processes described in this embodiment (or variations and/or combinations thereof) may be performed under the control of one or more computer systems configured with executable instructions, and may be implemented as code (e.g., executable instructions, one or more computer programs, or one or more applications) collectively executed on one or more processors, by hardware, or combinations thereof. The computer program includes a plurality of instructions executable by one or more processors.
Further, the method may be implemented in any type of computing platform operatively connected to a suitable interface, including but not limited to a personal computer, mini computer, mainframe, workstation, networked or distributed computing environment, separate or integrated computer platform, or in communication with a charged particle tool or other imaging device, and the like. Aspects of the invention may be embodied in machine-readable code stored on a non-transitory storage medium or device, whether removable or integrated into a computing platform, such as a hard disk, optically read and/or write storage medium, RAM, ROM, or the like, such that it may be read by a programmable computer, which when read by the storage medium or device, is operative to configure and operate the computer to perform the procedures described herein. Further, the machine-readable code, or portions thereof, may be transmitted over a wired or wireless network. The invention described in this embodiment includes these and other different types of non-transitory computer-readable storage media when such media include instructions or programs that implement the steps described above in conjunction with a microprocessor or other data processor. The invention also includes the computer itself when programmed according to the methods and techniques described herein.
A computer program can be applied to input data to perform the functions described in the present embodiment to convert the input data to generate output data that is stored to a non-volatile memory. The output information may also be applied to one or more output devices, such as a display. In a preferred embodiment of the invention, the transformed data represents physical and tangible objects, including particular visual depictions of physical and tangible objects produced on a display.
The above description is only a preferred embodiment of the present invention, and the present invention is not limited to the above embodiment, and any modifications, equivalent substitutions, improvements, etc. within the spirit and principle of the present invention should be included in the protection scope of the present invention as long as the technical effects of the present invention are achieved by the same means. The invention is capable of other modifications and variations in its technical solution and/or its implementation, within the scope of protection of the invention.
Claims (10)
1. A financial information processing system, comprising:
the information acquisition module comprises an optical character recognition unit, a voice recognition conversion unit and a chat record recognition unit; the optical character recognition unit is used for acquiring a picture containing character data and converting the picture into financial information import data through a picture recognition engine; the voice recognition conversion unit is used for acquiring voice data and converting the voice data into financial information import data through a voice recognition engine; the chat record identification unit is used for acquiring chat records of communication software and converting the chat records into financial information import data;
the evaluation analysis module comprises a data correlation analysis unit, a product matching unit and a scheme generation unit; the data association analysis unit is used for mining client data characteristics in the financing information import data and recording the client data characteristics into a big data client portrait; the product matching unit matches the corresponding financial product according to the client data characteristics; the scheme generating unit is used for generating a combined scheme according to the financing product.
2. The financial information processing system of claim 1 wherein said information collection module further comprises a manual input unit for obtaining financial information import data entered by hand.
3. The financial information processing system according to claim 1 or 2 wherein the information collection module further comprises a comparison unit for comparing and marking the same part and different parts of the financial information import data acquired by the optical character recognition unit, the financial information import data acquired by the voice recognition conversion unit, and the financial information import data acquired by the chat history recognition unit.
4. The financial information processing system of claim 1 further comprising:
and the report generation module comprises a client report presentation unit, and the client report presentation unit is used for generating a client report according to the combination scheme and sharing the client report to a client in a webpage link mode.
5. The financial information processing system of claim 4 wherein said report generation module further comprises a dynamic balancing unit for obtaining revenue, family status, consumption level of a customer, making a readjustment assessment based on said revenue, family status, consumption level, transmitting the results of said readjustment assessment to said assessment analysis module, causing said assessment analysis module to adjust said portfolio scheme.
6. The financial information processing system of claim 1 wherein said converting said chat log into financial information import data comprises:
positioning a first keyword and a second keyword sent by a financial institution in the chat records;
acquiring continuous segments positioned between the first keywords and the second keywords in the chat records;
and performing semantic recognition on the continuous segments, and extracting the financing information import data.
7. The financial information processing system of claim 1 wherein said financial information importation data includes customer family information, expected investment return, investment plan; wherein the expected return on investment comprises return required during reserve period, return required during consumption period, capacity for bearing risk and present risk.
8. A financial information processing method is characterized by comprising the following steps:
acquiring financing information import data through at least one of a first mode, a second mode and a third mode; the first mode is to obtain a picture containing text data, and convert the picture into financial information import data through a picture recognition engine; the second mode is that voice data is obtained, and the voice data is converted into financial information import data through a voice recognition engine; the third mode is that the chat records of the communication software are obtained, and the chat records are converted into financial information import data;
mining the client data characteristics in the financing information import data;
recording the customer data characteristics into a big data customer representation;
matching corresponding financial products according to the client data characteristics;
and generating a combined scheme according to the financial product.
9. A computer apparatus comprising a memory for storing at least one program and a processor for loading the at least one program to execute the financial information processing method of claim 8.
10. A storage medium in which a processor-executable program is stored, wherein the processor-executable program, when executed by a processor, is for performing the financial information processing method according to claim 8.
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| CN110705250A (en) * | 2019-09-23 | 2020-01-17 | 义语智能科技(广州)有限公司 | Method and system for identifying target content in chat records |
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