TWM634641U - Marketing Information Generation System Based on Bank Transaction Information Screening - Google Patents

Abstract

A marketing information generation system based on bank transaction information screening, the analysis server creates a classified data table for the bank customer basic information, bank customer financial transaction data and credit score data, so as to combine the bank customer basic information, bank customer financial transaction data and credit score The data is combined with the classification data table to generate integrated type data, so as to filter the data in the integrated type data according to the filtering information provided by the marketing server through the marketing server to generate marketing information, and then the marketing server feeds back the marketing information to the corresponding marketing terminal device and display it, so that the technical function of generating the marketing information required by the marketing terminal device based on the screening of bank transaction information can be achieved.

Description

Marketing Information Generation System Based on Bank Transaction Information Screening

An information generation system, in particular, refers to a marketing information generation system based on bank transaction information screening that generates integrated data through big data analysis and further screens out 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. Proactive banking business expansion is not only carried out through industrial and commercial registers, exhibition booths or street visits...etc. , however, it is difficult for marketers to grasp the background of the marketers, and cannot provide systematic opening and entry into banking business marketing, which is often very time-consuming and labor-intensive with a low success rate.

How to help marketers grasp the background of marketers through big data analysis and a systematic approach, so as to improve the promotion efficiency and success rate of active banking business marketing, will be the expected goal of this creation.

To sum up, it can be known that the existing active banking marketing has long been time-consuming and labor-intensive and has a low success rate in the prior art. Therefore, it is necessary to propose improved technical means to solve this problem.

In view of the time-consuming, labor-intensive and poor success rate of active banking business marketing in the prior art, this creation discloses a marketing information generation system based on bank transaction information screening, in which: the bank transaction information screening disclosed in this creation The marketing information generation system includes: data server, analysis server, marketing server and marketing terminal device, and the analysis server further includes: data receiving module, external data receiving module, data type analysis module and marketing information Generate mods.

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

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

The marketing server establishes a connection with the analysis server, receives the screening information and transmits the screening information to the data receiving module, receives and transmits the marketing information from the analysis server; 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 and displays the marketing information from the marketing server.

The system disclosed in this creation is as above, and the difference between it and the previous technology is that the analysis server creates a classified data table for the basic information of bank customers, financial transaction data of bank customers and credit scoring data, so as to combine the basic information of bank customers, financial transactions of bank customers The data and credit score data are combined with the classification data table to generate integrated type data, so as to filter the data in the integrated type data according to the screening information provided by the marketing server through the marketing server to generate marketing information, and then the marketing server feeds back the marketing information to The corresponding marketing device and display it.

Through the above-mentioned technical means, this creation can achieve the technical effect of generating the marketing information required by the marketing device based on the screening of bank transaction information.

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

24: Planning Module

30: Marketing Server

40:Marketing device

51:Integrate type data

52:Marketing information

53:Marketing information

54:Marketing information

61: User Interface

62:Pull-down menu

701: Processor

702: Memory module

703: busbar

709: shell

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

Step 102: The analysis server establishes a connection with the data server

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

Step 104: Marketing server provides screening information to analysis server

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

Step 106: The analysis server obtains the credit score information from the external server according to the bank customer basic information

Step 107: Analyze the server to create a classification data table for the bank customer basic information, bank customer financial transaction data and credit score data, so as to combine the bank customer basic data, bank customer financial transaction data and credit score data with the classification data table to generate integrated type data

Step 108: The analysis server performs data filtering on the data in the integration type data according to the filtering information to generate marketing information

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

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

Fig. 1A shows the system block diagram of the marketing information generating system based on bank transaction information screening.

Figure 1B shows a schematic diagram of the components of the computing device proposed in this invention.

Figure 2 is a schematic diagram of the integrated type data generated for this creation based on the marketing information filtered by bank transaction information.

FIG. 3A is a schematic diagram of a user interface generated for this invention based on marketing information filtered by bank transaction information.

FIG. 3B is a schematic diagram of the marketing information generated for this creation based on the marketing information filtered by bank transaction information.

FIG. 4A and FIG. 4B are schematic diagrams of the marketing information generated for this creation based on the marketing information filtered by bank transaction information.

FIG. 5A and FIG. 5B are schematic diagrams of further filtering marketing information generated for this creation based on marketing information filtered by bank transaction information.

FIG. 6A and FIG. 6B show the flow chart of generating marketing information based on bank transaction information screening for this creation.

The implementation of this creation will be described in detail below with drawings and examples, so as to fully understand and implement the realization process of how this creation uses technical means to solve technical problems and achieve technical effects.

The following will firstly explain the marketing information generation system based on bank transaction information screening disclosed in this creation, and please refer to "Figure 1A", which shows the marketing information generation based on bank transaction information screening in this creation System block diagram of the system.

The marketing information generating system based on bank transaction information screening disclosed in this creation includes: a data server 10, an analysis server 20, a marketing server 30, and a marketing terminal device 40, and the analysis server 20 further includes: a data receiving module 21. An external data receiving module 22 , a data type analysis module 23 and a marketing information generating module 24 .

The data server 10, the analysis server 20, the marketing server 30, and the marketing terminal device 40 are all different presentation forms of computing equipment. The data server 10, the analysis server 20, and the marketing server 30 tend to focus on the computing performance of the computing equipment. , data analysis, data security protection, and mass storage of data, etc., the marketing terminal device 40 tends to focus on the personal usability of computing equipment, which is just an example here, and does not limit the application scope of this creation.

Please refer to "Figure 1B", which is a schematic diagram of the components of the computing device proposed in this creation.

The computing device mentioned in this creation includes but is not limited to hardware components such as one or more processors 701, one or more memory modules 702, and bus bars 703, wherein the bus bars 703 can connect different hardware components . Through the included multiple hardware components, the computing device can load and execute the operating system, so that the operating system can run on the computing device, and can also execute software or programs. The computing device also includes a housing 709, in which the various hardware components mentioned above are arranged.

The bus 703 of the computing device mentioned in this invention may include one or more types, such as data bus, address bus, control bus, and extended function bus. (expansion bus), and/or local bus (local bus) and other types of bus. Buses for computing devices include, but are not limited to, side-by-side Industry Standard Architecture (ISA) bus, Peripheral Component Interconnect (PCI) bus, Video Electronics Standards Association (VESA) local area bus, and serial Universal Serial Bus (USB), Peripheral Component Interconnect Express (PCI-E) bus, etc.

The processor 701 of the computing device mentioned in the present invention is coupled to the bus 703 . The processor 701 includes a register group or a register space, which can be completely set on the processing wafer, or all or part of it can be set outside the processing wafer and controlled by special electrical circuits. connected and/or coupled to the processor via a bus. Processor 701 may be a processing unit, a microprocessor, or any suitable processing element. If the computing device is a multi-processor device, that is, the computing device includes multiple processors, the processors included in the computing device are all the same or similar, and are coupled and communicated through a bus. The processor 701 can interpret a series of multiple instructions to perform specific operations or operations, such as mathematical operations, logical operations, data comparison, copying/moving data, etc., so as to run the operating system or execute various programs, modules, and/or or components.

The processor 701 of the computing device may be coupled to the chipset or electrically connected to the chipset through the bus bar 703 . The chipset is composed of one or more integrated circuits (ICs), including memory controllers and peripheral input/output (I/O) controllers, that is, memory controllers and peripheral I/O controllers can be included in Within one integrated circuit, it can also be implemented using two or more integrated circuits. Chipsets usually provide input/output and memory management functions, and provide multiple general and/or special registers, timers, etc., wherein the above general and/or special registers and timers can be coupled or Accessed or used by one or more processors electrically connected to the chipset.

The processor 701 of the computing device can also access the data in the memory module 702 and the mass storage area installed on the computing device through the memory controller. The aforementioned memory module 702 includes any type of volatile memory (volatile memory) and/or non-volatile (non-volatile memory, NVRAM) memory, such as static random access memory (SRAM), dynamic random access memory Take memory (DRAM), flash memory (Flash), read-only memory (ROM), etc. The above-mentioned large-capacity storage area may include any type of storage device or storage medium, for example, a hard disk drive, a CD, a flash drive (flash memory), a memory card (memory card), a solid state drive (Solid State Disk, SSD), or any other storage device, etc. That is to say, the memory controller can access data in SRAM, DRAM, flash memory, hard disk drive, and solid-state hard disk.

The processor 701 of the computing device can also be connected and communicated with peripheral devices or interfaces such as peripheral output devices, peripheral input devices, communication interfaces, and GPS receivers through the peripheral I/O controller via the bus 703 . The peripheral input device can be any type of input device, such as keyboard, mouse, trackball, touch pad, joystick, etc., and the peripheral output device can be any type of output device, such as display, printer, etc., peripheral input device and the peripheral output device can also be the same device, for example touch screen etc. The communication interface can include a wireless communication interface and/or a wired communication interface. The wireless communication interface can include support for Wi-Fi, Zigbee and other wireless local area networks, Bluetooth, infrared, near field communication (NFC), 3G/4G/5G and other mobile communication networks The wired communication interface can be an Ethernet device, an ATM device, a DSL modem, a cable modem, etc. The processor 701 can periodically poll (polling) various peripheral devices and interfaces, so that the computing device can input and output data through various peripheral devices and interfaces, and can also communicate with another computing device having the elements described above .

The execution functions mentioned by the data server 10, the analysis server 20, the marketing server 30, and the marketing terminal device 40 are usually performed after the processor 701 in the respective computing device executes a specific program loaded into the memory module 702 generated, or included in processor 701.

The data server 10 is to store the basic data of bank customers and the financial transaction data of bank customers. The basic data of bank customers are, for example: account name, contact number, mailing address, gender, age, occupation, date of birth, etc. Bank customer financial The transaction data are, for example, salary, credit card consumption data, loan data, etc., which are only illustrated here, and are not intended to limit the scope of application of the present invention.

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

The data receiving module 21 of the analysis server 20 receives the bank customer basic data and the bank customer financial transaction data from the data server 10, and the external data receiving module 22 of the analysis server 20 can receive the bank customer basic data from the external server ( (i.e. Joint Recruitment Center) to obtain credit score information, The external data receiving module 22 of the analysis server 20 obtains the credit score data from the external server through an API, and the credit score data is obtained by the external server through a credit card payment method (such as: full payment, minimum amount, installment payment) payment, etc.), whether the credit card is in debt (such as: credit card limit usage rate, credit balance, number of consecutive months of credit balance decrease, number of borrowing financial institutions, cash advance, revolving credit,), longest credit card holding time, credit card being used The scoring values calculated from information such as the number of joint inquiries, etc., are just examples here, and do not limit the scope of application of this creation.

Next, the data type analysis module 23 of the analysis server 20 establishes a classification data table for the bank customer basic data, bank customer financial transaction data and credit scoring data, so as to coordinate the bank customer basic data, bank customer financial transaction data and credit score data Categorical data tables generate aggregate type data.

Specifically, the genders in the basic data of bank customers are male and female respectively, and the classification data table created by the data type analysis module 23 of the analysis server 20 includes gender classification, and the gender classification includes male and female; 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 occupation classification, and the occupation classification includes Civil servants, military personnel, teachers, information personnel, technical personnel, catering personnel, etc.; bank customer financial transaction data include monthly income minus monthly expenditure monthly balance, and the data type analysis module 23 of the analysis server 20 will base on the highest monthly Balance value, minimum monthly balance value and the number of intervals to create multiple monthly balance intervals, such as: 1 to 5000, 5001 to 10000, 10001 to 20000, 1 to 10000, 10001 to 25000, 25001 to 35000, etc. , here is only an example, and does not limit the scope of application of this creation; bank customer financial transaction data includes seniority, and the data type analysis module 23 of the analysis server 20 will divide the interval according to the highest seniority, the lowest seniority and To establish multiple seniority intervals, seniority zones For example, the period is: less than 6 months, less than 1 year, 1 to 3 years, 3 years to 5 years... etc. This is just an example and does not limit the scope of application of this creation; credit score The data contains scoring values. The data type analysis module 23 of the analysis server 20 will create multiple scoring value intervals based on the highest scoring value, the lowest scoring value and dividing intervals. The scoring value intervals are, for example, less than 400, 701 to 450 , 451 to 500, 501 to 550..., etc., are just examples here, and do not limit the scope of application of this creation.

After establishing the classified data table for the above-mentioned basic bank customer information, bank customer financial transaction data, and credit score data, the data type analysis module 23 of the analysis server 20 can collect the bank customer basic information, bank customer financial transaction data, and credit score data. The data is combined with the classification data table to generate the integrated type data 51. Please refer to "Figure 2" for the integrated type data 51. "Figure 2" is a schematic diagram of the integrated type data generated based on the marketing information screened by bank transaction information.

The marketing server 30 establishes a connection with the analysis server 20 through a wired transmission method or a wireless transmission method, and the marketing terminal device 40 establishes a connection with the marketing server 30 through a wired transmission method or a wireless transmission method. The aforementioned wired transmission method is, for example, It is: cable network, optical fiber network, etc. The aforementioned wireless transmission methods are, for example, Wi-Fi, mobile communication network, etc., which are just examples here and do not limit the scope of application of this creation.

The marketing terminal device 40 allows marketers to select the required filtering information through the multiple drop-down menus 62 provided in the user interface 61. For the schematic diagram of the user interface 61, please refer to "Fig. 3A", "Fig. Figure 3A" is a schematic diagram of the user interface generated by this creation based on marketing information filtered by bank transaction information. In "Figure 3A", the drop-down menu 62 of the monthly balance range is selected as "10001 to 20000" and the scoring range The drop-down menu 62 is selected as "501 to 550", marketing The screening information obtained by the terminal device 40 on the user interface 61 is that the monthly balance range is "10001-20000" and the score range is "501-550".

The marketing server 30 provides screening information to the analysis server 20, and the marketing information generation module 24 of the analysis server 20 performs data screening on the data in the integrated type data according to the screening information to generate marketing information. It is worth noting that the screening information can be A single filter condition, filter information can also be multiple filter conditions, filter conditions such as: gender, occupation, monthly balance range, seniority range, and rating range... etc., this is just an example and does not limit this The scope of application of the creation.

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

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, and 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 according to the filtering information to generate marketing information. Please refer to "Chapter 4A As shown in "Figure" and "Figure 4B", "Figure 4A" and "Figure 4B" are schematic diagrams of the marketing information generated by this creation based on the marketing information screened by bank transaction information.

Specifically, assuming that the screening 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 in the integration type data 51 that matches the monthly balance range "10001 to 20000". To generate the marketing information 53, please refer to "Figure 4A" for the illustration of the marketing information 53; assuming that the filtering information is gender "male" and the scoring value range "501 to 550", the marketing information generation module 24 of the analysis server 20 That is to say, from the integration type data 51, the data matching the gender as "male" and the rating range as "501 to 550" are filtered out to generate the marketing information 54. For the illustration of the marketing information 53, please refer to "Figure 4B".

The marketing server 30 scores the marketing terminal device 40 according to the marketing success rate and marketing efficiency of the marketing terminal device 40, and then the marketing server 30 sets a corresponding scoring weight for the marketing terminal device 40 according to the scoring. When the marketing server 30 self-analyzes the server When the server 20 receives the marketing information, the marketing server 30 then selects the marketing terminal device 40 according to the rating weight of the marketing terminal device 40, so as 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 providing location information to the marketing server 30, and the marketing server 30 provides the location information to the data receiving module 21 of the analysis server 20, and the marketing information generation module 24 of the analysis server 20 integrates according to the screening information When filtering the data in the type data to generate marketing information, further filter out the information similar to the address information of the basic bank customer data in the marketing information based on the location information.

Specifically, assuming that the marketing terminal device 40 provides the location information as "Songshan District" to the marketing server 30, the marketing server 30 provides the location information as "Songshan District" to the data receiving module 21 of the analysis server 20, and the analysis server The marketing information generation module 24 of 20 performs data screening on the data in the integrated type data according to the screening information to generate marketing information 54, and then further filters the marketing information 54 for "Songshan District" according to the location information (please refer to "Figure 4B" Shown) The address data of the basic information of Bank of China customers For similar information, further filter out marketing information 55 Please refer to "Figure 5A", which is a schematic diagram of further filtering marketing information generated by this creation based on marketing information filtered by bank transaction information.

Specifically, assuming that the marketing terminal device 40 provides the location information as "Wanhua District" to the marketing server 30, and the marketing server 30 provides the location information as "Wanhua District" to the data receiving module 21 of the analysis server 20, the analysis The marketing information generation module 24 of the server 20 performs data screening on the data in the integrated type data according to the screening information to generate the marketing information 54, and then further filters out the basic bank customer data in the marketing information 54 for "Wanhua District" according to the location information Please refer to "Figure 5B" for information similar to the address information, and further filter out marketing information 56. "Figure 5B" is a schematic diagram of further filtering marketing information generated based on the marketing information filtered by bank transaction information.

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

Next, please refer to "Figure 6A" and "Figure 6B" at the same time. "Figure 6A" and "Figure 6B" are the flow charts for the creation of marketing information based on bank transaction information screening.

First, the data server stores the basic information of the bank customer and the financial transaction data of the bank customer (step 101); then, the analysis server establishes a connection with the data server (step 102); then, the marketing terminal device establishes a connection with the marketing server line, the marketing terminal device provides screening information to the marketing server (step 103); then, the marketing server provides screening information to the analysis server (step 104); then, the analysis server receives the bank customer basic information and the bank Customer financial transaction data (step 105); then, the analysis server fetches from the external server according to the bank customer basic data Get the credit score data (step 106); then, the analysis server establishes a classification data table for the bank customer basic data, bank customer financial transaction data and credit score data, so that the bank customer basic data, bank customer financial transaction data and credit score data Cooperate with the classification data table to generate integrated type data (step 107); then, the analysis server performs data filtering on the data in the integrated type data according to the screening information to generate marketing information (step 108); then, the marketing server receives marketing from the analysis server information (step 109); finally, the marketing server sends the marketing information to the marketing terminal device and displays it (step 110).

In summary, it can be seen that the difference between this creation and the prior art lies in that the analysis server establishes a classification data table for the bank customer basic information, bank customer financial transaction data and credit scoring data, so as to combine the bank customer basic information, bank customer financial transaction The data and credit score data are combined with the classification data table to generate integrated type data, so as to filter the data in the integrated type data according to the screening information provided by the marketing server through the marketing server to generate marketing information, and then the marketing server feeds back the marketing information to The corresponding marketing device and display it.

This technical means can solve the time-consuming, labor-intensive and poor success rate problems of the existing active banking business marketing in the prior art, and then achieve the technical effect of generating marketing information required by the marketing terminal device based on screening of bank transaction information.

Although the embodiment disclosed in this creation is as above, the content described is not used to directly limit the scope of patent protection of this creation. Anyone with ordinary knowledge in the technical field to which this creation belongs can make slight changes in the form and details of the implementation without departing from the spirit and scope disclosed in this creation. The scope of patent protection for this creation must still be defined by the scope of the attached patent application.

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 (5)

A marketing information generating system based on bank transaction information screening, which includes: a data server, storing a bank customer's basic data and a bank customer's financial transaction data; an analysis server, establishing a connection with the data server, so The analysis server further includes: a data receiving module, which receives the basic data of the bank customer and the financial transaction data of the bank customer from the data server, and receives a filter information; an external data receiving module, according to the The basic bank customer information obtains a credit score data from an external server; a data type analysis module creates a classification data table for the bank customer basic data, the bank customer financial transaction data and the credit score data, so as to The basic data of the bank customer, the financial transaction data of the bank customer and the credit score data cooperate with the classification data table to generate an integrated type data; The data in the data is screened to generate a marketing information; a marketing server establishes a connection with the analysis server, receives the screened information and sends the screened information to the data receiving module, from the analysis The server receives the marketing information and transmits the marketing information; and a marketing device establishes a connection with the marketing server, the marketing device provides the screening information to the marketing server, and the marketing The terminal device receives and displays the marketing information from the marketing server. The marketing information generating system based on bank transaction information screening as described in claim item 1, wherein the marketing server scores the marketing terminal device according to the marketing success rate and marketing efficiency of the marketing terminal device, and then evaluates the marketing information based on the scoring The marketing terminal device sets corresponding scoring weights, and the marketing information generating module further includes generating the filtering information according to the classification data table and performing data filtering on the data in the integration type data according to the filtering information to generate The marketing information, the marketing server receives the marketing information from the analysis server, and then selects the marketing terminal device according to the scoring weight of the marketing terminal device, so as to transmit the marketing information to the selected The marketing end device and display it. The marketing information generating system based on bank transaction information screening as described in claim 1, wherein the marketing device further includes providing location information to the marketing server, and the marketing server provides the location information to the The data receiving module, the marketing information generation module filters the data in the integrated type data according to the screening information to generate the marketing information, and then further filters out the marketing information according to the location information Information similar to the address information of the bank customer basic data, the analysis server further includes a planning module, the planning module starts from the location information and further filters out information from the marketing information as the middle point or end point to generate a marketing path, and the marketing server receives the marketing path from the analysis server and provides it to the marketing terminal device for display. The marketing information generating system based on bank transaction information screening as described in Claim 1, wherein the marketing terminal device provides options for filtering information through a plurality of pull-down menus in a user interface. The marketing information generation system based on bank transaction information screening as described in Claim 1, wherein the external data receiving module obtains credit scoring data from an external server through an API.

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