TWM596918U - Automatic Recognition System for Key Customer Deals - Google Patents

Abstract

A preferential automatic recognition system for key customer transactions includes a database, at least one transaction execution device, a transaction system and a servo host. The database stores multiple key customer data and multiple transaction object data. The key customer data and the transaction object data include a transaction record. The transaction execution device is adapted to generate a transaction message. The transaction system is suitable for receiving transaction messages. The servo host is communicatively connected to the database and the transaction system, and receives the transaction message. The servo host will compare these transaction messages and determine that the transaction messages are consistent with the key customer data. If they match, the pre-graded preferential information will be sent to the transaction system. The transaction system will automatically substitute the preferential message when the transaction is executed and implement the discount .

Description

Automatic Recognition System for Key Customer Deals

A recognition system, especially a preferential automatic recognition system for key customer transactions.

There are many service customers in general banking units, and each customer's contribution to the banking unit is different. In order to maintain the customer base and maintain the stickiness of loyal customers, the banking unit will most likely provide these customers with considerable discounts and create more revenue for the bank. However, most of the general banking units only maintain the existing customers in the bank, but fail to maintain the contacts of these customers, such as users of other banks who deal with customers of the bank. Therefore, how to maintain and exchange these objects to make them important customers of the bank is worth considering for those with ordinary knowledge in this field.

This creation provides a preferential automatic recognition system for key customers, automatically identifying key customers and giving discounts during transactions to increase customer stickiness. This creation provides a preferential automatic recognition system for key customer transactions, including a database, at least one transaction execution device, a transaction system, and a servo host. The database stores multiple key customer data and multiple transaction object data. The key customer data and the transaction object data include a transaction record. The transaction execution device is adapted to input a transfer-in information, a transfer-out information and a transaction information, and generate a transaction message according to the transfer-in information, the transfer-out 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. The servo host is communicatively connected to the database and the transaction system and receives the transaction message. The servo host includes an identification module, a scoring module and a discount module. The identification module receives the transaction message and compares the transaction message, the key customer data and the transaction object data to identify whether the transferor information is consistent with the key customer data, and identifies whether the transferee information and the transaction object data Match, if the transferee information does not match the transaction object data, convert the transferee information to the transaction object and store in the database, if the transferee information matches the transaction object data, the transaction information Add to the corresponding transaction record. The scoring module divides the transaction information into multiple levels according to the transaction record. The preferential module includes multiple preferential information, the preferential information corresponds to the level grouping of the counterparty information, and the preferential information is sent to the trading system. Among them, when the transaction system executes the transaction, the transaction will be executed according to the preferential information. The above preferential automatic recognition system for key customer transactions, which also includes an employee-side device that is communicatively connected to the servo host, the servo host also includes a build module, the employee-side device is suitable for inputting the key customer data and the For the transaction object data, the building module is adapted to receive the key customer data and the transaction object data and send it to the database. The above preferential automatic recognition system for key customer transactions, wherein the preferential information also includes frequency information and deadline information, and the trading system determines whether to apply the preferential information to execute a transaction based on the frequency information and the deadline information. The above preferential automatic recognition system for key customer transactions, which also includes a data warehouse that is communicatively connected to the servo host, the servo host also includes an output module, the output module is suitable for grouping the level with the corresponding key The customer data and the transaction object data are sent to the data warehouse.

This creation provides a preferential automatic recognition system for key customer transactions, which can automatically recognize the transaction object and list it as a key customer to give discounts to maintain the stickiness of the transaction object. Please refer to FIG. 1, which is a schematic diagram of an automatic recognition system for key customer transaction preferences for this creation. The key customer preferential automatic recognition system 100 of this creation includes a database 110, a transaction system 120, a server host 130, at least one transaction execution device 140, at least one line-end device 150, and a data warehouse 160. The database 110 is a database for storing customer data in the preferential automatic recognition system 100 for key customers. In this embodiment, the database 110 stores a plurality of key customer data and a plurality of transaction object data, and the key customer data and the transaction object data both include a transaction record. Among them, the key customer data refers to the important customers known in the banking unit, and the transaction object data is the object of dealing with important customers. 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 in which a bank's insider executes a transaction, and the executed transaction is, for example, a transaction such as transfer or remittance. In this embodiment, the transaction system 120 is also communicatively connected to the transaction execution device 140. The transaction execution device 140 is, for example, an automated teller machine, a counter operator device, or a device installed with Internet banking software, that is, a key customer communicates with a transaction object. 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, the transferor information, the transferor information and the transaction information will be converted into a transaction message and sent to the transaction system 120. The transaction system 120 receives the transaction message, and can obtain the transferee information, the transferor information and the transaction information from the transaction message to facilitate subsequent execution of the transaction. Wherein, the transferee information is, for example, the account number or identification code for transferring the amount, and the transferee information is the account number or identification code for receiving the amount. That is to say, 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 sends the transaction message to the server 130. The servo host 130 is the main computing device of the automatic recognition system 100 for key customer deals. Moreover, the servo host 130 is communicatively connected to the transaction system 120, and the further servo host 130 is also communicatively connected to the employee device 150. The servo 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 staff-end device 150 refers to a device used by managers of key customer preferential automatic recognition system 100. Therefore, the crew-end device 150 is suitable for inputting key customer data and transaction object data, and the building module 131 of the server host 130 receives the key customer data and transaction object data and stores them in the database 110. That is to say, the management personnel can input and edit the key customer data and transaction object data through the employee terminal device 150 to create the data in the database 110. The identification module 132 is adapted to receive the transaction message from the transaction system 120, and the identification module 132 is adapted to compare the transaction message, key customer data and transaction object data, and identify whether the transfer-out information and the key customer data are consistent. Its purpose is to identify whether the transferor information is a known key customer. Further, the identification module 132 may also identify whether the transferee information is consistent with the transaction object data, and used to determine whether the transferee information is a known transaction object. Therefore, if the transferee information does not match the transaction object data, 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 indicates that the transferee is a new transaction object, so it is converted to transaction object data and stored in the database 110 to make it a transaction object. Conversely, if the transferred-in information matches the transaction data, the transaction information will be accumulated in the corresponding transaction record. If the transferee information matches the transaction object data, it indicates that the transferee is a known transaction object, and the key customers will accumulate the transaction times or transaction amount of the transaction object. The scoring module 133 is adapted to divide the information of the transaction objects into multiple levels according to the transaction records. Further, it is based on the number of transactions and transaction amount of the transaction object, grouping multiple transaction objects. In this embodiment, the counterparts will be divided into four groups: "Pu", "Medium", "Excellent" and "Special Excellent" to indicate the contribution of the counterpart. Specifically, it is grouped by judging whether the transaction number and transaction amount of the counterparty have reached the judgment threshold. The preferential module 134 includes a plurality of preferential information. The preferential information is grouped according to the level of the counterparty information, and the preferential information is transmitted to the trading system 120. That is to say, the discount module 134 gives different discounts according to the grouping of contacts. For example, the "General" group does not give discounts, while the "Medium", "Excellent" and "Special Premium" 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 reductions and exemptions is given according to the level, and the higher the level, the more times the counterparty is given. The preferential information is sent to the trading system 120, and the trading system 120 executes the transaction according to the preferential information. That is to say, when key customers conduct transactions through the trading system 120, if the transaction object (that is, the transaction object or the transferee) meets the grouping of the aforementioned scoring module 133 and belongs to a certain level grouping, the trading system 120 can be The corresponding discount is automatically included, for example, the processing fee of the transaction is waived. Further, in the preferred embodiment, the preferential information further includes time information and deadline information, and the transaction system 120 determines whether to apply the preferential information to execute the transaction based on the frequency information and the deadline information. That is to say, the discount has timeliness or number of times. For example, the discount is given for 10 transfers within a month without handling fees, and the trading system 120 will determine whether the discount information is applicable based on the frequency information and the deadline information. If the discount information is still available If applicable, the transaction will be executed with discount information. Conversely, if the information is not applicable (expiration of the period or the number of times is exhausted), the preferential information will not be used to execute the transaction. The output module 135 then groups the levels with the corresponding key customer data and the transaction object data and sends them to the data warehouse 160. In this embodiment, the output module 135 sends the key customer data, transaction target data, level grouping, and preferential information generated by the asset identification module 132, the scoring module 133, and the discount module 134 to the data warehouse 160 in. The data warehouse 160 is also communicatively connected to a plurality of external systems 10. The external system refers to other systems in the banking unit, such as an accounting system, a customer management system, a marketing system, a credit reporting system, and so on. That is, other units in the bank can obtain key customer data, transaction target data, level grouping, preferential information and other data through the data warehouse 160. These units can use this data as a reference for performing business, for example, the loan unit can use this data as an interest rate review Reference basis. This creation of automatic recognition system for key customers' preferential objects offers 100, by recording the transaction amount and number of transactions of key customers, and grouping them to give preferential automatically, when key customers deal with these objects, they can directly from the trading system 120 Give the discount directly. For key customers, there is no need to request a special meeting. Therefore, the preferential automatic recognition system 100 for key customer transactions can effectively improve the stickiness of key customers, and at the same time attract the key customers to become new customers. This creation is described above with examples, but it is not intended to limit the scope of patent rights claimed in this creation. The scope of patent protection depends on the scope of the attached patent application and its equivalent fields. Anyone with ordinary knowledge in this field who makes changes or retouching without departing from the spirit or scope of this patent belongs to the equivalent change or design completed under the spirit disclosed in this creation, and shall be included in the scope of the following patent application Inside.

10: External system 100: Automatic recognition system for preferential treatment of key customers 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 installation 160: data storage

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

10: External system

100: Automatic recognition system for preferential treatment of key customers

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 installation

160: data storage

Claims (4)

A preferential automatic recognition system for key customer transactions, including: 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, adapted to input a transfer-in information, a transfer-out information and a transaction information, and generate a transaction message according to the transfer-in information, the transfer-out information and the transaction information; A transaction system that 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; and A servo host that communicates with the database and the transaction system and receives the transaction message. The servo host includes: An identification module that receives the transaction message and compares the transaction message, the key customer data and the transaction object data, identifies whether the transferor information matches the key customer data, and identifies the transferee information and the transaction object Whether the data matches, if the transferee information does not match the correspondent data, convert the transferee information to the correspondent and store in the database, if the transferee information matches the correspondent data, the The transaction information is accumulated to the corresponding transaction record; A scoring module, which divides the transaction information into multiple levels according to the transaction record; and A preferential module, including multiple preferential information, the preferential information corresponding to the level grouping of the counterparty information, the preferential information will be sent to the trading system; Among them, when the transaction system executes the transaction, the transaction will be executed according to the preferential information. As described in item 1 of the patent application scope, the automatic recognition system for preferential transactions of key customers, which also includes a line-end device that is communicatively connected to the servo host, the servo host also includes a build module, the line-end device It is suitable for inputting the key customer data and the contact object data, and the building module is suitable for receiving the key customer data and the contact object data and sending it to the database. As described in item 1 of the patent application scope, the automatic recognition system for key customer deals offers, where the offer information also includes a number of times information and a period of information, the trading system determines whether to apply the offer based on the number of times information and the period of information Information execution transactions. As described in item 1 of the patent application scope, the automatic recognition system for key customer deals, which also includes a data warehouse that is communicatively connected to the servo host, the servo host also includes an output module, the output module is suitable for The level is grouped with the corresponding key customer data and the corresponding object data and sent to the data warehouse.

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