TWM541067U - Costumer analysis system - Google Patents

Abstract

A costumer analysis system is disclosed. The system has a data gathering module, data analyzing module, a matching module, a first costumer tag generating module and an information providing module. The data gathering module collects costumer information. The data analyzing module analyzing the costumer information based on at least one analyzing factor and then generates an annualized result. The first costumer tag generating module assigns at least one tendency tag to the costumer based on the annualized result. The matching module researches whether a match of a specific service information or a specific product for the at least one tendency tag exists or not? If, yes, the information providing module provides the specific service information or the specific product to the costumer accordingly.

Description

Customer analysis system

This new type is about a customer analysis system, especially a system for customer analysis through direct and indirect data.

With the opening of the financial market, financial institutions provide more and more goods and services for their customers. As the flow of scientific and technological information progresses, the channels for social services to obtain financial services and commodities are becoming more diverse. How to provide financial products or services that meet the needs of customers with their own customers is a topic for financial service providers and a problem that various financial institutions actively want to solve. Moreover, many customers may have potential needs. Or opinions, but will not be directly expressed to the sales staff. How to actively explore the customer's needs or opinions, and then actively provide financial products or services that meet the customer's own needs, has always been a problem that various industries want to solve.

The main purpose of the present invention is to provide a customer analysis system.

Another primary object of the present invention is to provide a customer analysis method.

To achieve the above objective, the customer analysis system of the present invention is configured to find at least one trend label of the customer, so as to match at least one specific product information of the plurality of product information and/or the plurality of service information with at least one of the trend labels. And at least one specific service information is provided to the customer. The customer analysis system includes a data collection module, a data analysis module, a first customer attribute generation module, a mediation module, and an information providing module. The data collection module collects customer's customer data. The data analysis module analyzes the customer data based on at least one analysis factor to generate an analysis result. The first customer attribute generation module assigns at least one trend label to the customer based on the analysis result. The media module searches for the at least one specific product information or/and the at least one specific service information that matches at least one of the trend tags according to the at least one trend tag in the plurality of product information or the plurality of service information. If yes, the information providing module provides at least one specific product information and/or at least one specific service information to the customer.

The present invention further provides a customer analysis method for finding at least one trend label of the customer, so as to match at least one specific product information and/or at least one specificity of the plurality of product information and/or the plurality of service information with the at least one trend label. The service information is provided to the customer. The customer analysis method includes the following steps: collecting the customer's customer data through the data collection module; analyzing the customer data according to at least one analysis factor by the data analysis module to generate the analysis result; by the first customer attribute Generating, by the media module, at least one trending product that is given to the customer according to the analysis result; and searching, by the mediation module, the plurality of product information or the plurality of service information in the plurality of product information or the plurality of service information to find whether there is at least one specific product information that matches at least one of the trend tags or And/or the at least one specific service information; and, if so, providing the customer with at least one specific product information and/or at least one specific service information by the information providing module.

The customer analysis system and the method thereof of the present invention can provide financial products or services that meet the customer's own needs to the customer by analyzing the customer data, which can greatly improve the accuracy of the financial institution providing the corresponding service to the customer. It also saves customers time to explore their own financial products or services.

In order to enable the reviewing committee to better understand the technical content of the present invention, the preferred embodiments are described below. Please refer to FIG. 1 and FIG. 2 for a schematic diagram of a usage environment and a hardware architecture diagram of a first embodiment of a customer analysis system according to a first embodiment of the present invention.

As shown in FIG. 1 and FIG. 2, the customer analysis system 1 of the present embodiment is configured to find at least one trend label 310 of the customer 300, 300a, and 300b, so as to compare the plurality of product information 100 and/or the plurality of service information 200. At least one specific item information 110 or/and at least one specific service information 210 that matches the trend label 310 is provided to the customer 300, 300a, 300b.

In this embodiment, the customer analysis system 1 of the present invention includes a data collection module 10, a data analysis module 20, a first customer attribute generation module 30, a mediation module 40, and an information providing module 50. According to an embodiment of the present invention, the data collection module 10 further includes a data input interface 11, wherein the data input interface 11 is connected to the at least one use terminal device 90, 91, 92 through the network 500, as shown in FIG. Each of the user devices 90, 91, 92 generates a data input interface for the user (eg, an insurance salesman) in contact with the client 300, 300a, 300b to input through the input module of the terminal device 90, 91, 92. Multiple customer data 320, 320a, 320b.

In detail, the data collection module 10 itself is a server or a servo host having a communication function, and is connected with at least one user terminal device 90, 91, 92 to provide a data input interface 11 to the user device. 90, 91, 92. The data transmission mode of the data collection module 10 and the user devices 90, 91, and 92 are different according to the hardware architecture of each other. Specifically, the network 500 may be a wired or wireless transmission data technology, such as Ethernet. Network, 3G, Wi-Fi or 4G LTE, etc., but not limited to this. The "Using End Device 90, 91, 92" in this embodiment is described by taking a general tablet computer (PAD) as an example, but it should be noted that the device referred to in the specification includes a personal computer, a tablet computer (PAD), and a smart phone. The present invention is not limited to electronic devices that execute computer software. In addition, specifically, the data collection module 10 has a non-transitory computer readable storage medium, including but not limited to a flash memory, a compact disc or a magnetic disk, and can divide its storage space to generate a storage unit. The plurality of customer profiles 320, 320a, 320b are stored.

According to an embodiment of the present invention, the data collection module 10 is a customer management platform, specifically a customer management platform of an insurance company. The insurance salesperson uses the terminal devices 90, 91, 92 to store the plurality of customer data 320, 320a, 320b is input to the data collection module 10, and the customer data 320, 320a, 320b collected by the data collection module 10 includes a financial data, a non-financial data, and/or a customer demand, wherein the financial information may be the customer's Asset information, such as the credit card used by the customer, whether it has a home, the type of policy purchased, or the status of the loan used by the customer. Non-financial information includes the client's personal data, family status, health status, salesperson's record of the customer's service, system operation records, and family organization chart. Customer needs include the asset needs and financial planning needs of the client for his future life planning, such as: expected pensions of 50,000 per month, or the need to hire foreign workers in old age. According to a specific embodiment of the present invention, the plurality of customer data 320 further includes an external data, wherein the external data is defined as the data obtained by the customer management platform, for example, the financial institution's third party obtains the daily movement of the customer. Information about the situation. However, it should be understood that the financial information, non-financial information, and/or a customer's needs referred to in the present invention are not limited to the above information.

The data collection module 10 will import the received plurality of customer data 320, 320a, 320b into the data analysis module 20, and then the data analysis module 20 analyzes the plurality of customer data 320 according to at least one analysis factor to generate an analysis. The result 22, for example, the data analysis module 20 analyzes the data of the loaded data analysis modules 20 according to the analysis factor to generate the analysis result 22, and then the first customer attribute generation module 30 assigns the customer 300 according to the analysis result 22. At least one of the trend labels 310.

According to an embodiment of the present invention, the analysis factor may include a frequency at which the customer 300, 300a, 300b uses the service provided by the financial institution, a customer demand, or a marketing strategy based on the plurality of product information 100 and/or the plurality of service information 200. Customer terms. For example, the analysis factor can be set to review or analyze the frequency and manner in which each customer uses the insurance company's customer service system, thereby knowing the customer base that tends to use the online customer service system, and the customer base that tends to use the telephone customer service system. That is, the analysis result 22 is obtained. The first customer attribute generation module 30 further assigns a tendency label 310 suitable for each customer based on the above results. For example, if the analysis result 22 indicates that the customer A belongs to a customer group that tends to use the online customer service system, the first customer attribute generation module 30 gives the customer A a network service tendency label 310 as a financial institution in the future. Customer A's reference when providing services. Similarly, if the analysis result 22 indicates that the customer B belongs to the customer group that favors the telephone customer service system, the first customer attribute generation module 30 gives the customer B a telephone service tendency label 310a as a future financial institution to provide the customer B with Reference when serving. Alternatively, the analysis factor may be set according to the marketing content of the current main push product of the insurance company, and the potential customer C that meets the marketing content is found according to the analysis result, and the related information of the main push product is provided to the customer C.

It should be noted that in order to comply with the legal requirements and protect the customer's personal resources, the data analysis module 20 uses the Dynamic Data Masking technology to immediately display the client 300 before analyzing the data according to the analysis factor. 300a, 300b data to identify. At present, the commonly used technology dynamically transposes the viewable data for the customer ID card number or according to the use rights of the analyst, but the present invention is not limited thereto.

After the first customer attribute generation module 30 completes the at least one trend label 310 assigned to each of the clients 300, 300a, and 300b, the mediation module 40 searches for the plurality of product information 100 or the plurality of service information 200 according to the at least one trend label 310. At least one specific item information 110 or/and at least one specific service information 210 that is consistent with at least one trending label 310. If the mediation module 40 finds at least one specific product information 110 or/and at least one specific service information 210 that matches at least one of the trend tags 310, the information providing module 50 sets at least one specific product information 110 or/and at least one specific Service information 210 provides customer 300. For example, the mediation module 40 provides the insurance company with a policy for providing a long-term project or related product information in the insurance company according to the trend label 310 in all the product information and/or service information provided by the insurance company. Customers with long-term demand labels; or provide up-to-date information on asset management and service information to customers with high asset tags. It should be noted that when the information providing module 50 provides at least one specific product information 110 or/and at least one specific service information 210 to the customer 300, the information about the customer 300 in the data collection module 10 can be obtained. Provided to the customer 300 by e-mail, direct contact by a business person, or by SMS.

Please refer to FIG. 3 and FIG. 4 for a schematic diagram of the usage environment and a hardware architecture diagram of the second embodiment of the customer analysis system of the second embodiment of the present invention.

Compared with the first embodiment, as shown in FIG. 3 and FIG. 4, the customer analysis system 1a further includes a second customer attribute generation module 60, and the second customer attribute generation module 60 assigns the plurality of customers according to a data input party. The data 310 is at least one attribute label 61. In the embodiment, the data input party refers to a user (such as an insurance salesman) who is in contact with the customer 300, 300a, 300b. The customer 300, 300a, 300b is given an attribute tag 61. For example, the insurance salesperson labels a high-income tag for the customer 300 whose annual income exceeds 3 million yuan; according to the title of the customer 300, the customer 300 is marked with the management tag. It should be noted that the attribute tag 61 is an attribute tag 61 defined by the insurance clerk according to the information that can be filled in by the data input interface 11, and the number of the attribute tags 61 is not limited, and can coexist with the trend tag 310 generated by the analysis result 22. In order to more accurately determine the product information or service information suitable for the customer according to the attribute tags 61 and the trend tags 310.

In other embodiments, the customer analysis system 1 of the present invention further includes an operation data storage module 70 (ODS, data storage) for storing data from the data collection module 10, and then providing The data analysis module 20 is used by the data analysis module 20, and the information from the information providing module 50 has the attribute label 61 and the trend label 310. The work data storage module 70 stores the unanalyzed and analyzed data. Used by the customer analysis system 1.

It should be noted that, in addition to being configurable as a hardware device, a software program, a firmware, or a combination thereof, each of the above modules may also be configured by a circuit loop or other suitable type; and, in addition, each module may be configured in a separate type. It can also be combined with the type configuration. In a preferred embodiment, each module is stored in a software program on a memory, and each module is executed by a processor (not shown) in the client analysis system 1, 1a to achieve the functions of the present invention. In addition, the present embodiment is merely illustrative of the preferred embodiments of the present invention, and all possible combinations of variations are not described in detail in order to avoid redundancy. However, those of ordinary skill in the art will appreciate that the various modules or components described above are not necessarily required. In order to implement the present invention, other well-known modules or components of more detail may also be included. Each module or component may be omitted or modified as needed, and no other modules or components may exist between any two modules.

Please refer to FIG. 1, FIG. 2 and FIG. 5, wherein FIG. 5 is a flow chart of the steps of the first embodiment of the operation method of the customer analysis system of the present invention.

The operation method of the customer analysis system of the present invention, as shown in FIG. 1 , is applied to the customer analysis system 1 for finding at least one trend label 310 of the customer 300, 300a, 300b, so as to display the plurality of product information 100 and/or At least one specific item information 110 or/and at least one specific service information 210 in the plurality of service information 200 that matches at least one of the trend tags 310 is provided to the customers 300, 300a, 300b. As shown in FIG. 5, the customer analysis method of the present invention mainly includes steps S1 to S6. The various steps of the first embodiment of the customer analysis method of the present invention will be described in detail below.

Step S1: Collecting multiple customer data of the customer.

As shown in FIG. 1 , the customer analysis system 1 includes a data collection module 10 , a data analysis module 20 , a first customer attribute generation module 30 , a mediation module 40 , and an information providing module 50 . The data collection module 10 further includes a data input interface 11, wherein the data input interface 11 is connected to at least one of the user devices 90, 91, 92 via the network 500, so that each of the user devices 90, 91, 92 generates a data input interface. The user (e.g., insurance clerk) in contact with the customer 300, 300a, 300b inputs the plurality of customer data 320, 320a, 320b by using the input modules of the end devices 90, 91, 92.

According to an embodiment of the present invention, the data collection module 10 is a customer management platform, specifically a customer management platform of an insurance company. The insurance salesperson uses the terminal devices 90, 91, 92 to store the plurality of customer data 320, 320a, 320b is input to the data collection module 10, and the customer data 320, 320a, 320b collected by the data collection module 10 includes a financial data, a non-financial data, and/or a customer demand, wherein the financial information may be the customer's Asset information, such as the credit card used by the customer, whether it owns the real estate, the type of policy purchased, or the status of the loan used by the customer. Non-financial information includes information about the customer's personal data, family status, and health status. Customer needs include the customer's need for assets for their future life planning, such as an estimated pension of 50,000 per month, or the need to hire a foreign worker for care when they are old. According to a specific embodiment of the present invention, the plurality of customer data 320 further includes an external data, wherein the external data is defined as information obtained by the customer management platform, for example, obtaining, by the financial institution, the daily exercise situation of the customer. Relevant information.

Step S2: analyzing the plurality of customer data according to at least one analysis factor to generate an analysis result.

The data collection module 10 will import the received plurality of customer data 320, 320a, 320b into the data analysis module 20, and then the data analysis module 20 analyzes the plurality of customer data 320, 320a, 320b according to at least one analysis factor to generate Analysis result 22. According to an embodiment of the present invention, the analysis factor includes the frequency at which the customer 300, 300a, 300b uses the service provided by the financial institution, the customer demand, or the target customer generated according to the marketing strategy of the plurality of commodity information 100 and/or the plurality of service information 200 condition. For example, the analysis factor can be set to check or analyze the frequency and manner in which each customer uses the insurance company's customer service system, thereby knowing the customer base that tends to use the online customer service system, and also knows the customer base that tends to use the telephone customer service system. The result is the analysis result 22.

It should be noted that, in order to protect the customer's personal assets in accordance with the law and regulations, before the data analysis module 20 analyzes the data according to the analysis factor, the data analysis module 20 can use the Dynamic Data Masking technology to instantly connect the customer 300, 300a, 300b data to identify. At present, the commonly used technology dynamically transposes the viewable data for the customer ID card number or according to the use rights of the analyst, but the present invention is not limited thereto.

Step S3: At least one potential consumption attribute is given to the customer according to the analysis result.

The first customer attribute generation module 30 assigns at least one trend label 310 to the client 300 based on the analysis result 22. For example, if the analysis result 22 indicates that the customer A belongs to a customer group that tends to use the online customer service system, the first customer attribute generation module 30 gives the customer A a network service tendency label 310. Similarly, if the analysis result 22 indicates that the customer B belongs to the customer group that favors the telephone customer service system, the first customer attribute generation module 30 gives the customer B a telephone service tendency label 310a. Alternatively, the analysis factor may be set according to the marketing content of the current main push product of the insurance company, and the potential customer C that meets the marketing content is found according to the analysis result, and the related information of the main push product is provided to the customer C.

Step S4: Whether there is a matching service information and/or product information.

If the mediation module 40 searches the plurality of product information 100 or the plurality of service information 200 according to the at least one trend tag 310, whether there is at least one specific product information 110 or/and at least one specific service information 210 that matches at least one of the trend tags 310. . If the mediation module 40 finds at least one specific product information 110 or/and at least one specific service information 210 that matches at least one of the trend tags 310, the information providing module 50 will at least one specific product information 110 or/and at least one specific service. The information 210 provides the customer 300, that is, performs step S5.

For example, the mediation module 40 provides the insurance company with a policy for providing a long-term project or related product information in the insurance company according to the trend label 310 in all the product information and/or service information provided by the insurance company. Customers with long-term demand labels; or provide up-to-date information on asset management and service information to customers with high asset tags. It should be noted that when the information providing module 50 provides at least one specific product information 110 or/and at least one specific service information 210 to the customer 300, the information about the customer 300 in the data collection module 10 can be obtained. Provided to the customer 300 by e-mail, direct contact by a business person, or by SMS. If the mediation module 40 cannot find at least one specific product information 110 or/and at least one specific service information 210 that matches at least one of the trend tags 310 in the plurality of product information 100 or the plurality of service information 200, step S6 is performed.

Please refer to FIG. 3, FIG. 4 and FIG. 6, which are flowcharts of the steps of the second embodiment of the operation method of the customer analysis system of the present invention. As shown in FIG. 6, the second embodiment of the customer analysis method of the present invention is different from the first embodiment in that, in the second embodiment, the operation method of the customer analysis system of the present invention further includes step S11. Step S11 will be described in detail below.

Step S11: assigning at least one attribute tag to the plurality of customer data according to a data input party.

As shown in FIG. 3 and FIG. 4, the second customer attribute generation module 60 assigns at least one attribute tag 61 to the plurality of customer profiles 310 according to a data input party. In the present embodiment, the data input party refers to a user (such as an insurance salesman) who is in contact with the customer 300, 300a, 300b, and directly assigns the customer 300, 300a, 300b to the attribute tag 61, for example, an insurance salesman. The customer 300 with an annual income of more than 3 million yuan is marked as a high-income label; according to the title of the customer 300, the customer 300 is marked with a management label. It should be noted that the attribute tag 61 is an attribute tag 61 defined by the insurance clerk according to the information that can be filled in by the data input interface 11, and the number of the attribute tags 61 is not limited, and can coexist with the trend tag 310 generated by the analysis result 22. In order to more accurately determine the product information or service information suitable for the customer according to the attribute tags 61 and the trend tags 310.

The customer analysis system of the present invention analyzes the plurality of customer data by analyzing factors, and can provide financial products or services that meet the customer's own needs to the customer, which can greatly improve the accuracy of the financial institution to provide the corresponding service to the customer, and also Save time for customers to explore their own financial products or services.

It should be noted that the above is only an embodiment, and is not limited to the embodiment. For example, those who do not deviate from the basic structure of this new model shall be the scope of rights claimed in this patent, and shall be subject to the scope of patent application.

1, 1a‧‧‧Customer Analysis System
10‧‧‧ Data Collection Module
11‧‧‧Data input interface
20‧‧‧Data Analysis Module
22‧‧‧ Analysis results
70‧‧‧Working data storage module
30‧‧‧First Customer Attribute Generation Module
40‧‧‧Media module
50‧‧‧Information Providing Module
60‧‧‧Second customer attribute generation module
61‧‧‧Attribute label
90, 91, 92‧‧‧Using end devices
100‧‧‧Product Information
110‧‧‧Specific product information
200‧‧‧Service Information
210‧‧‧Special service information
300, 300a, 300b‧‧‧ customers
310‧‧‧ tendency label
320, 320a, 320b‧‧‧ Customer Information
500‧‧‧Network

1 is a schematic diagram of the use environment of the first embodiment of the customer analysis system of the present invention. 2 is a hardware architecture diagram of a first embodiment of the customer analysis system of the present invention. 3 is a schematic diagram of the use environment of the second embodiment of the customer analysis system of the present invention. 4 is a hardware architecture diagram of a second embodiment of the customer analysis system of the present invention. Figure 5 is a flow chart showing the steps of a first embodiment of the method of operation of the customer analysis system of the present invention. 6 is a flow chart showing the steps of a second embodiment of the method of operating the customer analysis system of the present invention.

1‧‧‧Customer Analysis System

10‧‧‧ Data Collection Module

11‧‧‧Data input interface

20‧‧‧Data Analysis Module

30‧‧‧First Customer Attribute Generation Module

40‧‧‧Media module

50‧‧‧Information Providing Module

70‧‧‧Working data storage module

300, 300a, 300b‧‧‧ customers

90, 91, 92‧‧‧Using end devices

320, 320a, 320b‧‧‧ Customer Information

500‧‧‧Network

Claims (9)

A customer analysis system for identifying at least one trend label of a customer to at least one specific product information and/or at least one specific service information in the plurality of product information and/or plural service information that matches the at least one trend label Provided to the customer, the customer analysis system comprises: a data collection module for collecting customer data of the customer; a data analysis module, analyzing the customer data according to at least one analysis factor to generate an analysis result; a customer attribute generation module, according to the analysis result, the at least one trend label is given to the customer; the media combination module searches for the at least one of the plurality of trend information in the plurality of product information or the plurality of service information The at least one specific product information and/or the at least one specific service information; and the information providing module, wherein the mediation module finds the at least one specific product information that matches the at least one trending label or And the at least one specific service information, the information providing module to the at least one specific product information and/or the at least A specific service information is provided to the customer. For example, in the customer analysis system described in claim 1, the customer information includes a financial information, a non-financial information, and/or a customer demand. For example, in the customer analysis system described in claim 2, the data collection module includes a customer management platform for receiving the customer data. For example, in the customer analysis system described in claim 3, the at least one analysis factor includes the frequency with which the customer uses the service provided by the financial institution, the customer demand, or marketing according to the plurality of product information and/or plural service information. The target customer condition generated by the strategy. For example, in the customer analysis system described in claim 3, the customer data further includes an external data, wherein the external data is defined as information obtained by the customer management platform. For example, in the customer analysis system described in claim 3, the data collection module further includes a storage unit for storing customer data from the customer management platform. The customer analysis system of any one of the first to sixth aspects of the application, further comprising an operation data storage module for storing data from the data collection module and information from the information providing module . The customer analysis system according to any one of claims 1 to 6, further comprising a second customer attribute generation module, configured to assign at least one attribute tag to the customer profile according to a data input party. The customer analysis system as described in claim 7 further includes a second customer attribute generation module for assigning at least one attribute tag to the customer profile according to a data input party.