TWI820857B - Marketing information generation system based on screening of bank transaction information and method thereof - Google Patents

Abstract

A marketing information generation system based on screening of bank transaction information and a method thereof are provided. Classification data table is created according to bank customer basic information, bank customer financial transaction data and credit score data by analysis server. Integration type data are generated according to bank customer basic information, bank customer financial transaction data and credit score data to match classification data table by analysis server. Marketing information is generated from screened integration type data according to screened information which is provided by marketing device through marketing server. Marketing information is feedback to marketing device and marketing information is displayed in marketing device. Therefore, the efficiency of screening based on bank transaction information to generate marketing information required by the marketing device may be achieved.

Description

Marketing information generation system and method based on bank transaction information screening

An information generation system and a method thereof, in particular, a marketing information generation system and method based on bank transaction information screening that generate integrated type data through big data analysis and further screen marketing information.

Generally speaking, in order to effectively expand banking business, existing banks need to convert passive banking business marketing into active banking business marketing. Active banking business expansion can be carried out in addition to business registration, exhibition stalls, or street visits... etc. , however, it is difficult for marketers to understand the background of the people being marketed and cannot provide systematic opening and entry into banking business marketing. The execution is often very time-consuming and labor-intensive, and the success rate is poor.

How to assist marketers to understand the background of marketees through big data analysis in a systematic manner, so as to improve the promotion efficiency and success rate of proactive banking marketing, will be the expected goal of this invention.

To sum up, it can be seen that the existing active banking marketing is time-consuming and labor-intensive and has a poor success rate. Therefore, it is necessary to propose improved technical means to solve this problem in the previous technology.

In view of the problems in the prior art that active banking business marketing is time-consuming, labor-intensive and has a poor success rate, the present invention discloses a marketing information generation system and method based on bank transaction information screening, wherein: the bank-based marketing information disclosed in the present invention A marketing information generation system for transaction information screening, which includes: data server, analysis server, marketing server and marketing terminal device. The analysis server also includes: data receiving module, external data receiving module, data type analysis module and marketing information generation module.

The data server stores basic bank customer information and bank customer financial transaction data.

The analysis server establishes a connection with the data server. The data receiving module of the analysis server receives basic bank customer information and bank customer financial transaction data from the data server, and receives screening information; the external data receiving module of the analysis server is Obtain credit score data from an external server based on bank customer basic information; the data type analysis module of the analysis server is to create a classified data table for bank customer basic information, bank customer financial transaction data and credit score data to combine the bank customer basic information , bank customer financial transaction data and credit score data are combined with classified data tables to generate integrated type data; and the marketing information generation module of the analysis server filters the data in the integrated type data based on the filtered information to generate marketing information.

The marketing server establishes a connection with the analysis server, receives filtering information and transmits the filtering information to the data receiving module, receives marketing information from the analysis server and transmits marketing information; and the marketing terminal device establishes a connection with the marketing server, and the marketing terminal The device provides filtering information to the marketing server, and the marketing device receives the marketing information from the marketing server and displays it.

The marketing information generation method based on bank transaction information screening disclosed by the present invention includes the following steps: first, the data server stores basic bank customer information and bank customer financial transaction data; then, the analysis server establishes a connection with the data server. line; then, the marketing device establishes a connection with the marketing server, and the marketing device provides screening information to the marketing server; then, the marketing server provides screening information to the analysis server; then, the analysis server receives bank information from the data server The customer's basic information and the bank customer's financial transaction data; then, the analysis server obtains the credit score data from the external server based on the bank customer's basic information; then, the analysis server creates the bank customer's basic information, the bank customer's financial transaction data, and the credit score data. A classification data table is used to combine basic bank customer information, bank customer financial transaction data and credit score data with the classification data table to generate integrated type data; then, the analysis server filters the data in the integrated type data based on the filtering information to generate marketing information ; Then, next, the marketing server receives marketing information from the analysis server; finally, the marketing server sends the marketing information to the marketing terminal device and displays it.

The system and method disclosed by the present invention are as described above. The difference between the system and the prior art is that the analysis server creates a classification data table for bank customer basic information, bank customer financial transaction information and credit score data, so as to combine the bank customer basic information, bank customer Financial transaction data and credit score data are combined with classified data tables to generate integrated data to be provided through the marketing server based on the marketing device. The filtering information is used to filter the data in the integrated type data to generate marketing information, and then the marketing server feeds back the marketing information to the corresponding marketing device and displays it.

Through the above technical means, the present invention can achieve the technical effect of filtering bank transaction information to generate marketing information required by the marketing terminal device.

10:Data server

20:Analysis server

21: Data receiving module

22:External data receiving module

23: Data type analysis module

24: Marketing information generation module

25: Planning module

30:Marketing Server

40:Marketing device

51: Integrate type data

52:Marketing information

53:Marketing information

54:Marketing information

55:Marketing information

56:Marketing information

61:User interface

62: Drop-down menu

Step 101: The data server stores basic bank customer information and bank customer financial transaction data

Step 102: Establish a connection between the analysis server and the data server

Step 103: The marketing device establishes a connection with the marketing server, and the marketing device provides filtering information to the marketing server.

Step 104: The marketing server provides filtering information to the analytics server

Step 105: The analysis server receives basic bank customer information and bank customer financial transaction data from the data server.

Step 106: The analysis server obtains credit score data from the external server based on the bank customer's basic information.

Step 107: The analysis server creates a classification data table for the bank customer's basic information, bank customer financial transaction data and credit score data, so as to combine the bank customer's basic information, bank customer financial transaction data and credit score data with the classification data table to generate integrated data.

Step 108: The analysis server performs data filtering on the data in the integrated type data based on the filtered information to generate marketing information.

Step 109: The marketing server receives marketing information from the analytics server

Step 110: The marketing server sends marketing information to the marketing terminal device and displays it

Figure 1 is a system block diagram of a marketing information generation system based on bank transaction information screening according to the present invention.

Figure 2 is a schematic diagram of the integrated data generated by the present invention based on marketing information filtered by bank transaction information.

Figure 3A is a schematic diagram of the user interface for generating marketing information based on filtering bank transaction information according to the present invention.

Figure 3B is a schematic diagram of marketing information generated based on marketing information filtered by bank transaction information according to the present invention.

Figures 4A and 4B are schematic diagrams of marketing information generated based on marketing information filtered by bank transaction information according to the present invention.

Figure 5A and Figure 5B are schematic diagrams of further filtered marketing information generated based on the marketing information filtered by bank transaction information according to the present invention.

Figures 6A and 6B illustrate a method flow chart of the marketing information generation method based on bank transaction information screening according to the present invention.

The embodiments of the present invention will be described in detail below with reference to the drawings and examples, so that the implementation process of how to apply technical means to solve technical problems and achieve technical effects of the present invention can be fully understood and implemented accordingly.

The following will first describe the marketing information generation system based on bank transaction information screening disclosed in the present invention, and please refer to "Figure 1". "Figure 1" illustrates the marketing information generation based on bank transaction information screening according to the present invention. System block diagram of the system.

The marketing information generation system based on bank transaction information screening disclosed by the present invention includes: a data server 10, an analysis server 20, a marketing server 30 and a marketing terminal device 40. The analysis server 20 further includes: a data receiving module 21. External data receiving module 22, data type analysis module 23 and marketing information generating module 24.

The data server 10 stores basic information of bank customers and financial transaction information of bank customers. The basic information of bank customers is, for example: account name, contact number, mailing address, gender, age, occupation, date of birth, etc. Bank customer financial information Transaction data include, for example: salary, credit card consumption data, loan data, etc. These are only examples and do not limit the application scope of the present invention.

The analysis server 20 and the data server 10 establish a connection through wired transmission or wireless transmission. The aforementioned wired transmission method is, for example, a cable network, an optical fiber network, etc., and the aforementioned wireless transmission method is, for example, Wi. -Fi, mobile communication network, etc. are only used as examples and do not limit the application scope of the present invention.

The data receiving module 21 of the analysis server 20 receives basic bank customer information and bank customer financial transaction data from the data server 10. The external data receiving module 22 of the analysis server 20 is The credit score data can be obtained from an external server (i.e., the Lianzheng Center) based on the bank customer's basic information. The external data receiving module 22 of the analysis server 20 obtains the credit score data from the external server through an API. The credit score data is The external server uses the credit card payment method (for example: full payment, minimum amount, installment payment...etc.), whether the credit card is in debt (for example: credit card limit usage rate, credit balance, number of consecutive months of credit balance reduction, loan finance The score value calculated from the information such as the number of institutions, cash advance, revolving credit,), the longest holding time of the credit card, the number of times the credit card has been linked to inquiries, etc. is only used as an example and does not limit the present invention. application scope.

Next, the data type analysis module 23 of the analysis server 20 creates a classification data table for the bank customer's basic information, bank customer's financial transaction data and credit score data to combine the bank customer's basic information, bank customer's financial transaction data and credit score data. Classified data tables generate integrated type data.

Specifically, the genders in the basic information of bank customers are male and female respectively. The classification data table established by the data type analysis module 23 of the analysis server 20 includes gender classification, and the gender classification includes men and women; the basic information of bank customers is The occupations in the data are civil servants, military personnel, teachers, information personnel, technical personnel, catering personnel, etc. The classification data table created by the data type analysis module 23 of the analysis server 20 includes occupational classifications, and the occupational classifications include Civil servants, military personnel, teachers, information personnel, technical personnel, catering personnel, etc.; bank customer financial transaction data includes monthly income minus monthly balances of monthly expenses. The data type analysis module 23 of the analysis server 20 will analyze the data based on the highest monthly balance. The balance value, the minimum monthly balance value and the number of divided intervals are used to establish a multi-month balance interval. The monthly balance interval is, for example: 1 to 5000, 5001 to 10000, 10001 to 20000, 1 to 10000, 10001 to 25000, 25001 to 35000... etc. , this is only an example, and does not limit the scope of application of the present invention; bank customer financial transaction data includes seniority, and the data type analysis of the analysis server 20 Module 23 will establish multiple seniority intervals based on the highest seniority, the lowest seniority and the division intervals. The seniority intervals are, for example: less than 6 months, less than 1 year, 1 year to 3 years, 3 years to 5 years... etc. This is only an example and does not limit the application scope of the present invention; the credit score data includes a score value, and the data type analysis module 23 of the analysis server 20 will divide the range according to the highest score value, the lowest score value, and the interval. To establish multiple scoring numerical intervals. The scoring numerical intervals are, for example: less than 400, 401 to 450, 451 to 500, 501 to 550... etc. This is only an example and does not limit the application scope of the present invention. .

After the above-mentioned classification data table is created for the bank customer's basic information, bank customer's financial transaction data and credit score data, the data type analysis module 23 of the analysis server 20 can classify the bank customer's basic information, bank customer's financial transaction data and credit score. The data is combined with the classification data table to generate integration type data 51. Please refer to "Figure 2" for the integration type data 51. "Figure 2" is a schematic diagram of the integration type data generated based on marketing information filtered by bank transaction information according to the present invention.

The marketing server 30 establishes a connection with the analysis server 20 through wired transmission or wireless transmission, and the marketing device 40 establishes a connection with the marketing server 30 through wired transmission or wireless transmission. The aforementioned wired transmission method is, for example, They are: cable network, optical fiber network, etc. The aforementioned wireless transmission methods are, for example, Wi-Fi, mobile communication network, etc. These are only examples and do not limit the application scope of the present invention.

The marketing terminal device 40 allows marketers to select the required filtering information through a plurality of drop-down menus 62 provided in the user interface 61. Please refer to "Figure 3A" for a diagram of the user interface 61. Figure 3A" is a schematic diagram of the user interface for generating marketing information based on filtering bank transaction information according to the present invention. In Figure 3A, the drop-down menu 62 of the monthly balance range is selected as "10001 to 20000" and the rating range. The drop-down menu 62 is selected as "501 to 550", marketing The filtering information obtained by the terminal device 40 in the user interface 61 is that the monthly balance range is "10001 to 20000" and the rating range is "501 to 550".

The marketing server 30 provides filtering information to the analysis server 20. The marketing information generation module 24 of the analysis server 20 performs data filtering on the data in the integrated type data based on the filtering information to generate marketing information. It is worth noting that the filtering information can be A single filtering condition, the filtering information can also be multiple filtering conditions. The filtering conditions are, for example: gender, occupation, monthly balance range, seniority range, rating range, etc. This is only an example and does not limit this article. Scope of application of the invention.

In an embodiment, the marketing information generation module 24 of the analysis server 20 can filter out the data in the integration type data 51 that match the monthly balance range "10001 to 20000" and the rating range "501 to 550" based on the filtering information. To generate marketing information 52, please refer to "Figure 3B" for a diagram of the marketing information 52. "Figure 3B" is a schematic diagram of the marketing information generated based on the marketing information filtered by bank transaction information according to the present invention.

After the marketing information generation module 24 of the analysis server 20 generates the marketing information, the marketing server 30 can receive the marketing information from the analysis server 20. The marketing server 30 receives the marketing information from the analysis server 20 and then transmits the marketing information. To the corresponding marketing terminal device 40, when the marketing terminal device 40 receives the marketing information from the marketing server 30, it can display the marketing information for subsequent marketing work.

It is worth noting that the marketing information generation module 24 of the analysis server 20 can further generate filtering information based on the classification data table, and then filter the data in the integrated type data based on the filtering information to generate marketing information. Please refer to "Section 4A As shown in Figure 1 and Figure 4B, Figure 4A and Figure 4B are schematic diagrams of marketing information generated based on marketing information filtered by bank transaction information according to the present invention.

Specifically, assuming that the filtered information is the monthly balance range "10001 to 20000", the marketing information generation module 24 of the analysis server 20 can filter out the data matching the monthly balance range "10001 to 20000" in the integrated type data 51 To generate marketing information 53, please refer to "Figure 4A" for the illustration of marketing information 53; assuming that the filtered information is gender "male" and the score range "501 to 550", analyze the marketing information generation module 24 of the server 20 That is, the data in the integrated type data 51 whose gender is "male" and whose score value range is "501 to 550" are filtered out to generate marketing information 54. Please refer to "Figure 4B" for an illustration of the marketing information 53.

The marketing server 30 scores the marketing device 40 based on the marketing success rate and marketing efficiency of the marketing device 40. The marketing server 30 then sets a corresponding scoring weight for the marketing device 40 based on the score. When the marketing server 30 self-analyzes the server When the server 20 receives the marketing information, the marketing server 30 selects the marketing terminal device 40 based on the rating weight of the marketing terminal device 40 to transmit the marketing information to the selected marketing terminal device 40 and display it for subsequent marketing work.

The marketing terminal device 40 further includes a data receiving module 21 that provides location information to the marketing server 30. The marketing server 30 provides location information to the analysis server 20. The marketing information generation module 24 of the analysis server 20 integrates the pairs based on the filtered information. When the data in the type data is filtered to generate marketing information, the location information is further used to filter out information that is similar to the address information of the bank customer's basic information in the marketing information.

Specifically, it is assumed that the first marketing terminal device 41 provides the first location information as "Songshan District" to the marketing server 30, and the marketing server 30 provides the first location information as "Songshan District" to the data receiving mode of the analysis server 20. Group 21, when the marketing information generation module 24 of the analysis server 20 performs data filtering on the data in the integrated type data based on the filtering information to generate marketing information 54, then further filters out the marketing information 54 for "Songshan District" based on the location information (please Refer to "Figure 4B") Bank of China's customer base For information that is similar to the address information of this data, please refer to "Figure 5A" for further screening of marketing information 55. "Figure 5A" is a schematic diagram of further screening of marketing information generated based on the marketing information filtered by bank transaction information according to the present invention. .

Specifically, it is assumed that the first marketing terminal device 41 provides the first location information as "Wanhua District" to the marketing server 30, and the marketing server 30 provides the first location information as "Wanhua District" to the analysis server 20. The receiving module 21 analyzes the marketing information generating module 24 of the server 20 to filter the data in the integrated type data according to the filtering information to generate marketing information 54, and then further filters the marketing information for "Wanhua District" based on the location information. 54 information that is similar to the address information of the bank customer's basic information, further filter out the marketing information 56. Please refer to "Figure 5B". "Figure 5B" illustrates a further step of generating marketing information based on the screening of bank transaction information according to the present invention. Diagram of filtering marketing information.

The analysis server 20 further includes a planning module 25. The planning module 25 of the analysis server 20 uses location information as a starting point and further filtered information from the marketing information as an intermediate point or an end point to generate a marketing path. The marketing server 30 automatically The analysis server 20 receives the marketing path and provides it to the marketing terminal device 40 for display.

Next, the operation method of the present invention will be described below, and please refer to "Figure 6A" and "Figure 6B" at the same time. "Figure 6A" and "Figure 6B" illustrate the screening of bank transaction information based on the present invention. Method flow chart of the marketing information generation method.

The marketing information generation method based on bank transaction information screening disclosed by the present invention includes the following steps: first, the data server stores basic bank customer information and bank customer financial transaction data (step 101); then, analyzes the server and data The server establishes a connection (step 102); then, the marketing terminal device establishes a connection with the marketing server, and the marketing terminal device provides filtering information to the marketing server server (step 103); then, the marketing server provides screening information to the analysis server (step 104); then, the analysis server receives basic bank customer information and bank customer financial transaction data from the data server (step 105); then , the analysis server obtains credit score data from the external server based on the bank customer's basic information (step 106); then, the analysis server creates a classification data table for the bank customer's basic information, bank customer financial transaction data and credit score data to classify the bank The customer's basic information, bank customer financial transaction data and credit score data are combined with the classified data table to generate integrated type data (step 107); then, the analysis server filters the data in the integrated type data based on the screening information to generate marketing information (step 108 ); then, the marketing server receives marketing information from the analysis server (step 109); finally, the marketing server sends the marketing information to the marketing terminal device and displays it (step 110).

To sum up, it can be seen that the difference between the present invention and the prior art is that the analysis server establishes a classification data table for bank customer basic information, bank customer financial transaction information and credit score information, so as to combine the bank customer basic information, bank customer financial transaction information. The data and credit score data are combined with the classified data table to generate integrated type data. The data in the integrated type data is filtered based on the filtering information provided by the marketing server through the marketing server to generate marketing information. The marketing server then feeds back the marketing information to The corresponding marketing device is installed and displayed.

This technical means can solve the problems of previous technologies that existing active banking marketing is time-consuming and labor-intensive and has a poor success rate, thereby achieving the technical effect of filtering bank transaction information to generate marketing information required by marketing devices.

Although the embodiments disclosed in the present invention are as above, the described contents are not used to directly limit the patent protection scope of the present invention. Anyone with ordinary knowledge in the technical field to which the present invention belongs can make modifications in the form and details of the implementation without departing from the spirit and scope disclosed by the present invention. A few changes. The patent protection scope of the present invention must still be defined by the attached patent application scope.

10:Data server

20:Analysis server

21: Data receiving module

22:External data receiving module

23: Data type analysis module

24: Marketing information generation module

30:Marketing Server

40:Marketing device

Claims (8)

A marketing information generation system based on bank transaction information screening, which includes: a data server that stores a bank customer's basic information and a bank customer's financial transaction data; an analysis server that establishes a connection with the data server. The analysis server further includes: a data receiving module, which receives the basic information of the bank customer and the financial transaction data of the bank customer from the data server, receives a filtering information, and receives a location information; an external data receiving module. A group that obtains a credit score data from an external server based on the bank customer's basic information; a data type analysis module that creates a classification for the bank customer's basic information, the bank customer's financial transaction data, and the credit score data a data table to combine the basic information of bank customers, the financial transaction information of bank customers and the credit score information with the classified data table to generate an integrated type of data; a marketing information generation module to generate an integrated data set based on the screening information. Filter the data in the integrated type data to generate marketing information, and then further filter out information based on the location information that is similar to the address information of the bank customer basic information in the marketing information; and a planning module to The location information is the starting point and the information further filtered out from the marketing information is the intermediate point or the end point to generate a marketing path; A marketing server establishes a connection with the analysis server, receives the screening information and transmits the screening information to the data receiving module, receives the marketing information from the analysis server and transmits the marketing information, receiving the location information and transmitting the location information to the data receiving module, receiving the marketing path from the analysis server and transmitting the marketing path; and a marketing terminal device, communicating with the marketing server The server establishes a connection, the marketing terminal device provides the screening information to the marketing server, the marketing terminal device receives the marketing information from the marketing server and displays it, and the marketing terminal device provides the The location information is sent to the marketing server, and the marketing terminal device receives the marketing path from the marketing server and displays it. The marketing information generation system based on bank transaction information screening as described in claim 1, wherein the marketing server scores the marketing terminal device based on the marketing success rate and marketing efficiency of the marketing terminal device, and then scores the marketing information based on the score. The marketing terminal device sets corresponding scoring weights, and the marketing information generation module further includes generating the screening information based on the classification data table and performing data screening on the data in the integrated type data based on the screening information to generate For the marketing information, the marketing server receives the marketing information from the analysis server, and then selects the marketing terminal device based on the scoring weight of the marketing terminal device to transmit the marketing information to the selected The marketing terminal is installed and displayed. The marketing information generation system based on bank transaction information filtering as described in claim 1, wherein the marketing terminal device provides options for filtering information through multiple drop-down menus in a user interface. As for the marketing information generation system based on bank transaction information filtering as described in request item 1, the external data receiving module obtains credit score data from an external server through an API. A marketing information generation method based on bank transaction information screening, which includes the following steps: a data server stores a bank customer basic information and a bank customer financial transaction data; an analysis server establishes a connection with the data server; The marketing terminal device establishes a connection with a marketing server. The marketing terminal device provides filtering information and location information to the marketing server. The marketing server provides the filtering information and location information to the marketing server. Analysis server; the analysis server receives the bank customer's basic information and the bank customer's financial transaction data from the data server; the analysis server obtains a credit from an external server based on the bank customer's basic information. Scoring data; the analysis server creates a classification data table for the bank customer's basic information, the bank customer's financial transaction data and the credit score data, so as to combine the bank customer's basic information, the bank customer's financial transaction data The data and the credit score data are combined with the classified data table to generate an integrated type of data; the analysis server performs data filtering on the data in the integrated type of data based on the screening information to generate a marketing information; the marketing server The server receives the marketing information from the analytics server; The marketing server transmits the marketing information to the marketing terminal device and displays it; the analysis server further filters out the address information of the bank customer basic information in the marketing information based on the location information. Information; the marketing server uses the location information as the starting point and the further filtered information in the marketing information as the intermediate point or the end point to generate a marketing path; and the marketing server receives from the analysis server The marketing path is then provided to the marketing terminal device and displayed. The marketing information generation method based on bank transaction information screening as described in claim 5, wherein the marketing information generation method based on bank transaction information screening further includes the following steps: the marketing server determines the marketing success of the marketing terminal device Rate and marketing efficiency of the marketing-side device are scored, and then the corresponding scoring weight is set for the marketing-side device based on the score; the marketing server generates the screening information based on the classification data table and based on the screening information Perform data filtering on the data in the integrated type data to generate the marketing information; the marketing server receives the marketing information from the analysis server, and then selects the marketing based on the scoring weight of the marketing terminal device terminal device; and the marketing server sends the marketing information to the selected marketing terminal device and displays it. The marketing information generation method based on bank transaction information filtering as described in claim 5, wherein the marketing terminal device provides options for filtering information through multiple drop-down menus in a user interface. The marketing information generation method based on bank transaction information filtering as described in request item 5, wherein the marketing server obtains credit score data from an external server through an API.

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