TWI740436B - Automatic discount recognition system of important customer and object - Google Patents

Abstract

An automatic discount recognition system of important customer and object includes a database, a transaction execution device, a transaction system and a server. The database stores a plurality of important customer data and object data. The important customer data and object data include a transaction record. The transaction execution device is configured to a transaction message. The transaction system is configured to receive the transaction message. The server is connected to the database and the transaction system and receive the transaction message. The server is configured to identify whether these transaction message consistent with the important customer data. A predefined offer information would be transmitted to the transaction system, and then the transaction system would automatically substitute and implement the offer information when the transaction is executing.

Description

Automatic identification system for key customer discounts

An identification system, especially an automatic identification system for key customer discounts.

Generally, banking units serve a large number of customers, and each customer has a different contribution to the banking unit. In order to maintain the customer base and maintain the stickiness of loyal customers, banking units will most likely provide these customers with considerable discounts and create more revenue for the bank. However, most of the general banking units only perform maintenance for existing customers in the bank, and fail to maintain the objects of these customers, such as users from other banks that transact with the bank's customers.

Therefore, how to maintain these contacts and make them important customers of banks is worth considering for those with ordinary knowledge in this field.

This creation provides an automatic recognition system for key customer discounts, which automatically recognizes key customers and gives discounts during transactions to improve customer stickiness.

This creation provides an automatic identification system for key customer discounts, including a database, at least one transaction execution device, a transaction system, and a server host. The database stores multiple key customer data and multiple transaction object data, and the key customer data and the transaction object data include a transaction record. The transaction execution device is suitable for inputting a transferor information, a transferor information and a transaction information, and generates a transaction message based on the transferor information, the transferor information and the transaction information. The transaction system is communicatively connected to the transaction execution device, and is adapted to receive the transaction message and execute the transaction according to the transaction message. Servo The host communicates with the database and the transaction system, and receives the transaction message. The server host includes an identification module, a scoring module, and a discount module. The identification module receives the transaction message, compares the transaction message, the key customer data and the transaction object data to identify whether the transferor information matches the key customer data, and identify whether the transferee information and the transaction object data If the transferee information does not match the transaction object data, the transferee information will be converted into the transaction object and stored in the database; if the transferee information matches the transaction object data, the transaction information Accumulate to the corresponding transaction record. The scoring module divides the transaction object data into multiple level groups according to the transaction record. The discount module includes multiple discount information, the discount information corresponds to the level grouping of the transaction object data, and the discount information is sent to the transaction system. Among them, when the transaction system executes a transaction, it will execute the transaction according to the preferential information.

The above-mentioned system for automatic identification of key customer discounts, which further includes a member-end device communicatively connected to the server host, and the server host further includes a build module, and the member-end device is suitable for inputting the key customer data and the Transaction object data. The building module is suitable for receiving the key customer data and the transaction object data and sending them to the database.

In the above-mentioned system for automatically identifying key customers with discounts, the discount information also includes a frequency information and a period information, and the transaction system determines whether to apply the discount information to execute a transaction based on the frequency information and the period information.

The above-mentioned automatic identification system for key customer discounts, which further includes a data warehouse that is communicatively connected to the server host, and the server host further includes an output module suitable for grouping the level and the key customer data The data of the transaction object is sent to the data warehouse.

10: External system

100: Automatic identification system for key customer discounts

110: database

120: Trading System

130: Servo host

131: Build Module

132: Identification Module

133: Scoring Module

134: Discount Module

135: output module

140: Transaction Execution Device

150: Crew Device

160: data warehouse

Figure 1 shows a schematic diagram of the automatic identification system for key customer discounts for this creation.

This creation provides an automatic identification system for key customer discounts, which can automatically identify the contacts and list them as key customers to give discounts to maintain the stickiness of the contacts.

Please refer to Figure 1. Figure 1 is a schematic diagram of the automatic identification system for key customer discounts created by this creation. The system 100 for automatic identification of discounts for key customers of the present creation includes a database 110, a transaction system 120, a server host 130, at least one transaction execution device 140, at least one group of client devices 150, and a data warehouse 160.

The database 110 is a database in which the automatic identification system 100 for the automatic identification of preferential customers of key customers stores customer information. In this embodiment, the database 110 stores multiple key customer data and multiple transaction object data, and both the key customer data and the transaction object data include a transaction record. Among them, the key customer data refers to the known important customers in the bank unit, and the transaction object data refers to the objects with which the important customers are dealt with. The transaction record refers to the transaction history of key customer data and transaction data, such as the number of transactions, transaction amount, or cumulative transaction amount.

The transaction system 120 is a system for executing transactions within a bank unit, and the executed transactions are, for example, transactions such as transfers and remittances. In this embodiment, the transaction system 120 is also communicatively connected to the transaction execution device 140, where the transaction execution device 140 is, for example, an automatic teller machine, a device of a counter clerk, or a device installed with online banking software, etc., that is, key customers and counterparties conduct transactions. The device used by the exchange.

The transaction execution device 140 is adapted to input a transferor information, a transferor information, and a transaction information. These transferor information, transferor information, and transaction information will be converted into a transaction message and sent to the transaction system 120. The transaction system 120 receives transaction messages, and can obtain transferor information, transferor information, and transaction information from the transaction messages to facilitate subsequent transaction execution. Among them, the transferor information is, for example, the account number or identification code used to transfer the amount, and the transferor information is the account number or identification code used to receive the amount.

That is, the key customer and the counterparty execute the transaction (for example, transfer) through the transaction execution device 140, and the transaction system 120 receives the relevant information to execute the transaction (for example, transfer the amount to the account). Subsequently, the transaction system 120 transmits the transaction message to the server host 130.

The server host 130 is the main computing device of the system 100 for automatic identification of key customer discounts. In addition, the server host 130 is communicatively connected to the transaction system 120, and the server host 130 is further communicatively connected to the clerk terminal device 150. The server host 130 includes a build module 131, an identification module 132, a scoring module 133, a discount application module 134, and an output module 135.

Among them, the member-side device 150 refers to a device used by a manager of the automatic identification system 100 for the automatic identification of preferential customers with key customers. Therefore, the member terminal device 150 is suitable for inputting key customer data and transaction object data, and the construction module 131 of the server host 130 receives the key customer data and transaction object data and stores them in the database 110. In other words, the management personnel can input and edit key customer data and transaction data through the employee terminal device 150 to create data in the database 110.

The identification module 132 is adapted to receive transaction messages from the transaction system 120, and the identification module 132 is adapted to compare the transaction messages, key customer data and transaction object data, and identify whether the transferor information matches the key customer data. Its purpose is to identify whether the transferor information is a known key customer. Further, the identification module 132 will also identify whether the transferee information is consistent with the transaction object data, so as to determine whether the transferee information is a known transaction object.

Therefore, if the transferee information does not match the data of the transaction object, the transferee information is converted into the transaction object and stored in the database. Since the transferee information does not match the transaction object data, it means that the transferee is a new transaction object, so it is converted into the transaction object data and stored in the database 110 to make it a transaction object. Conversely, if the transferee information matches the transaction object data, the transaction information is accumulated to the corresponding transaction record. The match between the transferee information and the transaction object data indicates that the transferee is a known transaction object, and the number of transactions or transaction amount of the transaction object of the key customer is accumulated.

The scoring module 133 is adapted to divide the transaction data into multiple level groups based on the transaction records. Furthermore, it is based on the number of transactions and transaction amount of the counterparties to group multiple counterparties. In this embodiment, the correspondents will be divided into four groups of "general", "medium", "excellent" and "excellent" to indicate the contribution of the correspondent. Specifically, it is grouped by judging whether the number of transactions and the transaction amount of the counterparty have reached the judgment threshold.

The discount module 134 includes a plurality of discount information, the discount information is a level group corresponding to the data of the transaction object, and the discount information is transmitted to the transaction system 120. That is to say, the discount module 134 provides different discounts according to the grouping of the clients. For example, the "general" group does not give discounts, while the "medium", "excellent" and "excellent" groups give different discounts according to the level. The discount is, for example, a fee reduction or exemption within a few transfers, and the number of exemptions is given according to the level. The higher the level, the more times the transaction object is given.

The preferential information is sent to the transaction system 120, and the transaction system 120 executes the transaction according to the preferential information. That is to say, when a key customer conducts a transaction through the trading system 120, if the object of the transaction (ie, the object of the transaction or the transferee) meets the grouping of the aforementioned scoring module 133, and belongs to a certain level grouping, the trading system 120 is sufficient. The corresponding discount is automatically applied, for example, the transaction fee is waived.

Further, in a preferred embodiment, the preferential information further includes a frequency information and a period information, and the transaction system 120 will determine whether to apply the preferential information to execute a transaction based on the frequency information and the period information. In other words, the discount has a time limit or limit on the number of times. For example, if a discount is given for 10 transfers within a month, there is no handling fee, and the transaction system 120 will determine whether the discount information is applicable based on the frequency information and the time limit information. If the discount information is still available If applicable, the preferential information will be applied to execute the transaction. Conversely, if the premium information is not applicable (the deadline is overdue or the number of times is exhausted), the discount information will not be applied to execute the transaction.

The output module 135 is adapted to transmit the level grouping, the key customer data, and the transaction object data to the data warehouse 160. In this embodiment, the output module 135 transmits the key customer data, contact data, level grouping, and discount information generated by the identification module 132, the scoring module 133, and the discount module 134 to the data warehouse 160 . The data warehouse 160 is also communicatively connected to a number of external systems 10, Departmental system refers to other systems in the banking unit, such as accounting system, customer management system, marketing system, credit information system, etc. That is to say, other units in the bank can obtain key customer data, transaction object data, level grouping, preferential information and other data through the data warehouse 160. These units can use this data as a reference for business execution. For example, loan units can use this data as an interest rate review. The basis of reference.

The creation of the automatic discount recognition system 100 for key customers, by recording the transaction amount and number of key customers’ contacts, and grouping them into groups, automatically gives discounts. When key customers have transactions with these contacts, they can directly access the transaction system 120. Give discounts directly. For key customers, there is no need to request a special meeting. Therefore, the automatic identification system 100 for preferential discounts of key customers can effectively improve the stickiness of key customers, and at the same time can attract key customers' contacts to become new customers.

The description of the present invention is as above, but it is not intended to limit the scope of the patent rights claimed in this creation. The scope of its patent protection shall be determined by the attached scope of patent application and its equivalent fields. Any person with ordinary knowledge in the field, without departing from the spirit or scope of this patent, makes changes or modifications that are equivalent changes or designs completed under the spirit of this creation, and should be included in the scope of the following patent application Inside.

10: External system

100: Automatic identification system for key customer discounts

110: database

120: Trading System

130: Servo host

131: Build Module

132: Identification Module

133: Scoring Module

134: Discount Module

135: output module

140: Transaction Execution Device

150: Crew Device

160: data warehouse

Claims (4)

An automatic identification system for key customer discounts includes: a database storing multiple key customer data and multiple transaction object data, the key customer data and the transaction object data including a transaction record; at least one transaction execution device, It is suitable for inputting a transferor information, a transferor information and a transaction information, and generating a transaction message based on the transferor information, the transferor information and the transaction information; a transaction system, which is connected to the transaction by communication The execution device is adapted to receive the transaction message and execute the transaction according to the transaction message; and a server host, which is communicatively connected to the database and the transaction system, and receives the transaction message, the server host includes: an identification module, Receive the transaction message and compare the transaction message, the key customer data and the transaction object data, identify whether the transferor information matches the key customer data, and identify whether the transferee information matches the transaction object data. The transferee information does not match the transaction object data, the transferee information is converted into the transaction object and stored in the database, if the transferee information matches the transaction object data, the transaction information is accumulated to the corresponding A scoring module that divides the transaction object data into multiple level groups based on the transaction record; and a discount module that includes multiple discount information that corresponds to the level grouping of the transaction object data , The preferential information will be sent to the transaction system; among them, when the transaction system executes a transaction, the transaction will be executed according to the preferential information. For example, the automatic identification system for key customer discounts described in item 1 of the scope of patent application, which also includes a party device that is connected to the server by communication, and the server also includes It includes a building module, the member terminal device is suitable for inputting the key customer data and the transaction object data, and the building module is suitable for receiving the key customer data and the transaction object data and sending them to the database. For example, the automatic identification system for key customer discounts described in item 1 of the scope of patent application, wherein the discount information also includes a frequency information and a period information, and the transaction system determines whether to apply the discount based on the frequency information and the period information Information execution transaction. For example, the automatic identification system for key customer discounts as described in item 1 of the scope of patent application, which also includes a data warehouse that is communicatively connected to the server host, and the server host also includes an output module suitable for Send the level grouping, the key customer data and the transaction object data to the data warehouse.

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