WO2016107416A1 - 客户价值评估方法及系统 - Google Patents

客户价值评估方法及系统 Download PDF

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WO2016107416A1
WO2016107416A1 PCT/CN2015/097598 CN2015097598W WO2016107416A1 WO 2016107416 A1 WO2016107416 A1 WO 2016107416A1 CN 2015097598 W CN2015097598 W CN 2015097598W WO 2016107416 A1 WO2016107416 A1 WO 2016107416A1
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cardholder
merchant
data
feature
database
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PCT/CN2015/097598
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English (en)
French (fr)
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王骏
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中国银联股份有限公司
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Priority to US15/533,172 priority Critical patent/US20170364922A1/en
Priority to EP15875094.3A priority patent/EP3242264A4/en
Priority to KR1020177018138A priority patent/KR101931643B1/ko
Priority to JP2017529670A priority patent/JP6507247B2/ja
Publication of WO2016107416A1 publication Critical patent/WO2016107416A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/01—Customer relationship services
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0637—Strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions based on goals; Analysis or evaluation of effectiveness of goals
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Definitions

  • the present invention relates to transaction processing related data, and more particularly to customer value assessment methods and systems.
  • the merchant can only grasp the consumption situation of the customer to the store, but does not understand the consumption situation of the customer in other similar types of merchants, and thus cannot know the true intention of the customer.
  • the traditional customer relationship management system and payment system are independent of each other and need to be maintained separately, and the maintenance cost is high.
  • small businesses with weak economic strength are unable to maintain a customer relationship management system.
  • the present invention provides a customer value evaluation method for an existing transaction processing system, the transaction processing system including a payment terminal and a transit platform for processing the transaction, the method comprising:
  • a. Establishing a merchant database and a cardholder feature database, the merchant database including a merchant basic attribute data and a merchant customer set, the cardholder feature database characterizing a cardholder's consumption characteristics, and the merchant database customer set
  • An association relationship with the cardholder feature library is such that data corresponding to the card number can be indexed from the cardholder feature library by the card number of the customer set;
  • the transit platform upon receiving the cardholder's transaction data processing request, processes the transaction data, and simultaneously obtains the cardholder card number and the merchant identifier consumed by the cardholder;
  • step c obtaining the feature data related to the cardholder from the cardholder feature database established in step a, and the established from step a, using the cardholder card number and the merchant identity acquired in step b Obtain data related to the merchant where the consumer is located in the merchant database;
  • step d determining the cardholder's basic value information based on the merchant-related data obtained in step c and the obtained feature data related to the cardholder, and generating the cardholder based on the determined value information Value data for the merchant;
  • the step a includes, for example, extracting, from the historical transaction data, all the consumption records in a period of time, the consumption records including cardholder consumption information and merchant information; Extracting consumption records, extracting consumption characteristic data representing consumption propensity, and establishing a cardholder feature database, each feature database corresponding to a consumption feature; establishing an association relationship between the customer set and the cardholder feature database .
  • the present invention also provides a customer value evaluation system for use in a transaction processing system, the transaction processing system including a payment terminal and a transfer platform for processing the transaction, wherein the customer value evaluation system and the payment terminal respectively And the transit platform is electrically connected, and the customer value evaluation system comprises:
  • a database establishing module configured to establish a merchant database and a cardholder feature database, where the merchant database includes a merchant basic attribute data and a merchant customer set, and the cardholder feature library represents a cardholder's consumption characteristic, and the The relationship between the customer set of the merchant database and the cardholder feature database is such that the card number of the customer set can be indexed from the cardholder feature database to the data corresponding to the card number;
  • a first obtaining module configured to process, by the transfer platform, the cardholder's transaction data processing request to process the pair of transaction data, and obtain the cardholder card number and the merchant identifier consumed by the cardholder;
  • a second obtaining module configured to acquire, by using the cardholder card number and the merchant identifier acquired by the first acquiring module, feature data related to the cardholder from the established cardholder feature database, and from the established Obtain data related to the merchant where the consumer is located in the merchant database;
  • a data generating module configured to determine basic information of the cardholder based on the obtained data related to the merchant and the obtained feature data related to the cardholder, and generate the cardholder based on the determined value information Value data for the merchant;
  • a transmission module configured to transmit the generated value data to a display component of the merchant, so that the merchant knows the value information of the cardholder.
  • the database establishing module includes: a first unit for extracting all consumption records in a period of time from historical transaction data, the consumption record including The card user consumption information and the merchant information; the second unit is configured to extract consumption characteristic data representing the consumption tendency based on the extracted consumption record, and establish a cardholder feature database, and each feature library corresponds to a consumption feature; A three unit for establishing an association relationship between the customer set and the cardholder feature library.
  • the card customer can be evaluated according to the user's current card consumption situation, and the value of the card customer to the merchant where the card is consumed can be given.
  • FIG. 1 is a flow chart of a customer value evaluation method in accordance with an example of the present invention.
  • FIG. 2 is a block diagram showing the structure of a customer value evaluation system according to an example of the present invention.
  • Figure 3a illustrates the value of a cardholder's value displayed on the display device of the Holiday Inn as a merchant at the Holiday Inn.
  • Figure 3b is the consumption habits of the cardholders in Figure 3a in the same industry, based on the consumption habits, can be estimated as The value estimate shown in Figure 3a.
  • the present invention is applicable to existing transaction processing systems including payment terminals and transit platforms that process transactions.
  • the payment terminal is, for example, a POS terminal, and the card user pays the card to the merchant through the POS terminal.
  • the transfer platform consists of a UnionPay system and a card issuer. After receiving the payment request from the POS terminal, the UnionPay system parses the card to obtain the basic information of the card and communicates with the card issuing bank, thereby cooperating with the issuing bank to complete the transaction processing.
  • the UnionPay system included in the above-mentioned transit platform may also be other third-party platforms and is not limited by the UnionPay system.
  • a database of merchants is established, including basic attribute data of the merchant and a customer set of the merchant, and a cardholder's feature database is established, wherein the basic attributes of the merchant include the merchant.
  • the merchant's customer set includes card information and cardholder information of all cardholders who have consumed the merchant.
  • the card information includes, for example, the card number of the card, the type of the card, and the card issuing mechanism where the card is located.
  • the cardholder information includes, for example, the cardholder's name, telephone number, and the like.
  • each feature library characterizing a consumer feature and the library contains a plurality of cardholders.
  • the consumption feature represented by the feature library A is jewelry consumption, indicating that each cardholder in the cardholder feature database has a higher proportion of jewelry consumption in a consumer preference than a preset consumption preference threshold.
  • the feature libraries can be associated with each other.
  • the feature library A can be indexed to the feature library B because the cardholders m categorized therein are also classified in the feature library B that characterizes the food.
  • each cardholder's consumption during this period is diverse. According to the present invention, the consumption is classified, for example, according to diet, clothing, jewelry, daily necessities, business travel, etc.
  • the cardholder is classified into a corresponding feature database, wherein the consumption preference
  • the threshold value for example, is that its frequency and amount for a certain consumption account for more than 20% of its total consumption during this period, and it can be considered as having a consumption preference for the consumption.
  • step 12 upon receiving the cardholder's transaction data processing request, the transit platform acquires the cardholder card number and the merchant identity consumed by the cardholder while processing the transaction data.
  • a series of consumption feature data related to the cardholder is obtained from the cardholder feature database established in step 10 with the cardholder card number obtained in step 12, to obtain the data in step 12 Merchants who consume cardholders Identification, searching the merchant database for relevant data of the merchant.
  • the relevant data of the merchant includes the basic attributes of the merchant, the customer set of the merchant, and the like.
  • the basic type of merchant indicates the type of service of the merchant (for example, consulting services, etc.) or the type of merchandise sold by the merchant (for example, the merchant sells jewelry or the merchant is a bakery).
  • the cardholder's value information is calculated based on the acquired cardholder's series of consumption characteristic data, and the calculated basic value information includes: the cardholder's past consumption situation in the merchant, the cardholder The consumption situation of other merchants in the same industry, etc.; subsequently, based on the calculated basic value information, the cardholder's value to the merchant is generated.
  • the generated value of the cardholder is transmitted to the display device of the merchant for the merchant to understand.
  • step 10 in the method according to FIG. 1 includes extracting from the historical transaction data all the consumption records for a period of time, the consumption records including cardholder consumption information and merchant information;
  • the consumption record extracts the consumption characteristic data representing the propensity to consume, and establishes a cardholder feature database, each feature library corresponding to a consumption feature; establishing an association relationship between the customer set and the cardholder feature database.
  • the customer value assessment system is applied to a transaction processing system that includes a payment terminal and a transit platform that processes the transaction.
  • the customer value evaluation system is electrically connected to the payment terminal 20 and the transfer platform 22, respectively.
  • the customer value evaluation system includes a database creation module 30, a first acquisition module 32, a second acquisition module 34, a data generation module 36, and a transmission module 38.
  • the database establishing module 30 establishes a merchant database and a cardholder feature database.
  • the merchant database includes the merchant's basic attribute data and the merchant's customer set.
  • the cardholder feature database represents the cardholder's consumption characteristics, and the merchant database's customer set and the card holder.
  • the relationship between the human feature libraries is such that the card number of the customer set can be indexed from the cardholder feature library to the data corresponding to the card number. More specifically, the cardholder's feature library may have one or more, each feature library characterizing a consumer feature and the library contains a plurality of cardholders.
  • the consumption feature represented by the feature library A is jewelry consumption, indicating that each cardholder in the cardholder feature database has a higher proportion of jewelry consumption in a consumer preference than a preset consumption preference threshold.
  • the feature libraries can be associated with each other.
  • the feature library A can be indexed to the feature library B because the cardholders m categorized therein are also classified in the feature library B that characterizes the food.
  • the first obtaining module 32 receives the transaction data processing request of the cardholder on the transfer platform 22 to process the pair of transaction data, and obtains the cardholder card number and the merchant identifier consumed by the cardholder.
  • the cardholder issues a payment request via the payment terminal 20, such as a POS terminal, and the transfer platform 22 processes the transaction data after receiving the request.
  • the first obtaining module 32 obtains the cardholder card number from the transfer platform and the merchant identifier consumed by the cardholder.
  • the second obtaining module 34 obtains the feature data related to the cardholder from the established cardholder feature database by using the cardholder card number and the merchant identifier acquired by the first obtaining module 32, and from the established merchant database. Acquisition and consumption The relevant data of the merchant.
  • the relevant data of the merchant includes the basic attributes of the merchant, the customer set of the merchant, and the like.
  • the basic type of merchant indicates the type of service of the merchant (for example, consulting services, etc.) or the type of merchandise sold by the merchant (for example, the merchant sells jewelry or the merchant is a bakery).
  • the data generating module 36 determines the basic value information of the cardholder based on the obtained merchant-related data and the acquired feature data related to the cardholder, and generates the cardholder for the merchant based on the determined value information. Value data.
  • the data generating module 36 calculates the cardholder's value information based on the acquired cardholder's series of consumption feature data, and the calculated basic value information includes: the cardholder's past consumption situation in the merchant, the cardholder The consumption situation of other merchants in the same industry, etc.; subsequently, based on the calculated basic value information, the cardholder's value transmission module 38 for the merchant transmits the generated value data to the display component of the merchant, so that the merchant Know the value information of the cardholder.
  • the database creation module 30 includes a first unit for extracting from the historical transaction data all of the consumption records for a period of time, the consumption records including cardholder consumption information and merchant information. According to an example, this period of time is for example 1 year.
  • the second unit extracts consumption characteristic data representing the propensity to consume based on the extracted consumption records, and establishes a cardholder feature database, and each feature library corresponds to a consumption feature, for example, a consumer characteristic that tends to buy jewelry, and a preference for food. Consumption characteristics, and the consumption characteristics of business travel. It should be noted that each cardholder's consumption during this period is diverse.
  • the consumption is classified, for example, according to diet, clothing, jewelry, daily necessities, business travel, etc. Performing classification, and then calculating the proportion of each category in its total consumption record.
  • the cardholder is classified into a corresponding feature database, wherein the consumption preference
  • the threshold value for example, is that its frequency and amount for a certain consumption account for more than 20% of its total consumption during this period, and it can be considered as having a consumption preference for the consumption.
  • the third unit is configured to establish an association relationship between the customer set and the cardholder feature library, so that the card corresponding to the card number can be indexed from the cardholder feature library by the card number of the customer set.
  • the customer value evaluation method according to the present invention can be implemented in the transit platform or in other electronic devices, as long as the electronic device can communicate with the transit platform.
  • the customer value evaluation system according to the present invention can be implemented as software or hardware or a combination of software and hardware, and the customer value evaluation system can be implemented directly in the transit platform or in communication with the transit platform.
  • the established merchant database and cardholder feature library can be updated. For example, daily transaction data is obtained from historical data, analyzed, and an updated merchant database and cardholder feature database are obtained.
  • the merchant database and the cardholder feature database that can be updated are fully covered, or only newly added.
  • the merchant database data and the cardholder signature database are updated to the merchant database and the cardholder Collect the library.
  • the historical data used when subsequently updating the merchant database and the cardholder feature database may not include the established merchant database and the card holder. Historical data used by the human signature library.
  • Figure 3a illustrates the value of a cardholder's value displayed on the display device of the Holiday Inn as a merchant at the Holiday Inn. As shown in the figure, the cardholder customer has a customer potential value of 82.03% for Holiday Inn.
  • Figure 3b is the consumption habit of the cardholders in Figure 3a in the same industry. Based on the consumption habits, the value estimate shown in Figure 3a can be estimated.

Abstract

一种客户价值评估方法，包括：建立商户数据库以及持卡人特征库，且商户数据库的客户集与持卡人特征库之间有关联关系使得可通过客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据（10）；在接收到持卡人的交易数据处理请求时，转接平台处理交易数据，同时获取持卡人卡号与持卡人消费的商户标识（12）；以所获取的卡号及商户标识，从持卡人特征库中获取与该持卡人有关的特征数据，以及从商户数据库中获取与消费所在的商户有关的数据（14）；基于所获得的数据以及特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据（16）；将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息（18）。

Description

客户价值评估方法及系统 技术领域
本发明涉及与交易有关的数据处理，更为具体地，涉及客户价值评估方法与系统。
背景技术
传统的客户关系管理里，商户只能掌握客户到本店的消费情况，却不了解客户在其他同类型商户的消费情况，从而无法得知客户的真实选择意向。另一方面，对商户而言，传统的客户关系管理系统和支付系统相互独立，需要分开维护，维护成本高。而且经济实力较弱的小商户也无力维护客户关系管理系统。
发明内容
有鉴于此，本发明提供客户价值评估方法，所述方法用于现有的交易处理系统，所述交易处理系统包括支付终端以及对交易进行处理的转接平台，所述方法包括：
a.建立商户数据库以及持卡人特征库，所述商户数据库包括商户基本属性数据与商户的客户集，所述持卡人特征库表征持卡人的消费特征，且所述商户数据库的客户集与所述持卡人特征库之间有关联关系使得可通过所述客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据；
b.在接收到持卡人的交易数据处理请求时，所述转接平台对交易数据进行处理，同时获取持卡人卡号与持卡人消费的商户标识；
c.以在步骤b中所获取的持卡人卡号及商户标识，从在步骤a中建立的持卡人特征库中获取与该持卡人有关的特征数据，以及从在步骤a中建立的商户数据库中获取与消费所在的商户有关的数据；
d.基于在步骤c中所获得的商户有关的数据以及所获取的与该持卡人有关的特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据；以及
d.将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息。
根据本发明所述的客户价值评估方法，示例地，所述步骤a包括：从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息；基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征；建立所述客户集与所述持卡人特征库之间的关联关系。
本发明还提供一种客户价值评估系统，其应用在交易处理系统，所述交易处理系统包括支付终端以及对交易进行处理的转接平台，其中，所述客户价值评估系统分别与所述支付终端及转接平台电性连接，所述客户价值评估系统包括：
数据库建立模块，其用于建立商户数据库及持卡人特征库，所述商户数据库包括商户基本属性数据与商户的客户集，所述持卡人特征库表征持卡人的消费特征，且所述商户数据库的客户集与所述持卡人特征库之间有关联关系使得可通过所述客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据；
第一获取模块，其用于在转接平台接收到持卡人的交易数据处理请求对所述对交易数据进行处理，获取持卡人卡号与持卡人消费的商户标识；
第二获取模块，其用于以第一获取模块所获取的持卡人卡号及商户标识，从所建立的持卡人特征库中获取与该持卡人有关的特征数据，以及从所建立的商户数据库中获取与消费所在的商户有关的数据；
数据生成模块，其用于基于所获得的商户有关的数据以及所获取的与该持卡人有关的特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据；以及
传输模块，其用于将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息。
根据本发明所述的客户价值评估系统，作为示例，其中，所述数据库建立模块包括：第一单元，其用于从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息；第二单元，其用于基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征；第三单元，其用于建立所述客户集与所述持卡人特征库之间的关联关系。
根据本发明所述的方法或系统，可根据用户当下的持卡消费情况对该持卡客户做出评估，给出该持卡客户对其消费所在商户的价值。
附图说明
图1是是根据本发明示例的客户价值评估方法的流程图。
图2是根据本发明示例的客户价值评估系统的结构示意图。
图3a是以假日酒店作为商户来举例说明在该假日酒店的显示设备上所显示的某持卡客户的价值估计。
图3b是图3a中的持卡客户在同行业商户的消费习惯，基于该消费习惯，可估算出如 图3a所示的价值估计。
具体实施方式
现在参照附图描述本发明的示意性示例，相同的附图标号表示相同的元件。下文描述的各实施例有助于本领域技术人员透彻理解本发明，且意在示例而非限制。除非另有限定，文中使用的术语(包括科学、技术和行业术语)具有与本发明所属领域的技术人员普遍理解的含义相同的含义。
图1是根据本发明示例的客户价值评估方法的流程图。本发明可应用在已有的交易处理系统中，该已有的交易处理系统包括支付终端与对交易进行处理的转接平台。支付终端例如为POS终端，持卡用户通过POS终端刷卡向商户进行支付。转接平台由银联系统及卡的发卡行构成。银联系统接收到来自POS终端的支付请求后，解析卡以获得该卡的基本信息并通信连接发卡行，从而与发卡行相互配合完成交易处理。需要说明的是，上文提到的转接平台所包括的银联系统也可以是其它第三方平台并不以银联系统为限制。
根据本发明的示例，在图1所示的方法的步骤10，建立商户的数据库，包括商户的基本属性数据与商户的客户集，建立持卡人的特征库，其中，商户的基本属性包括商户所在地以及商户的基本类型等。商户的客户集包括了在该商户消费过的所有持卡人的卡信息及持卡人信息。卡信息例如包括该卡的卡号、卡的类型以及卡所在的发卡机构等。持卡人信息例如包括持卡人的姓名、电话号码等。持卡人的特征库可能有一个也可能是多个，每个特征库表征了一个消费特征且该库所包含的持卡人是多个。例如特征库A所表征的消费特征是珠宝类消费，则表明该持卡人特征库中的各持卡人在其消费偏好中，珠宝类消费的占比高于预先设定的消费偏好阈值。各特征库之间可彼此关联，例如特征库A可因归类在其中的持卡人m也被归类在表征美食的特征库B中而索引到特征库B。需要说明的是，每个持卡人在这段时期之内的消费是多样的，根据本发明，将其消费归类，例如按照饮食类、服装类、珠宝类、生活用品类、商旅类等进行分类，再计算各类在其总的消费记录中的比重，当所所计算的比重小于预先确定的消费偏好阈值时，则将该持卡人归入相对应的特征数据库中，其中，消费偏好阈值的大小例如为其针对某项消费的频率与数额占其在这个时期的总消费额的20％以上，便可认为其对该项消费具有消费偏好。
在步骤12，在接收到持卡人的交易数据处理请求时，所述转接平台在对交易数据进行处理的同时，获取持卡人卡号与持卡人消费的商户标识。
在步骤14，以在步骤12中所获取的持卡人卡号从在步骤10中建立的持卡人特征库中获取与该持卡人有关的一系列消费特征数据，以在步骤12中所获取的持卡人消费的商户 标识，从商户数据库中搜索该商户的相关数据。商户的相关数据包括商户的基本属性、该商户的客户集等。商户的基本类型表明该商户的服务类型(例如是咨询服务类等)或商户销售的商品类型(例如商户贩售珠宝或商户是面包店等)。
在步骤16，基于所获取的该持卡人的一系列消费特征数据，计算该持卡人的价值信息，所计算的基本价值信息包括：持卡人在该商户的过往消费情况，持卡人在同行业其它商户的消费情况等；随后，基于所计算的基本价值信息产生该持卡人对于该商户的价值。
在步骤18，将所产生的该持卡人的价值传送给该商户的显示设备，以便商户了解。
根据本发明的一个示例，根据图1所示的方法中的步骤10包括从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息；基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征；建立所述客户集与所述持卡人特征库之间的关联关系。
图2是根据本发明示例的客户价值评估系统的结构示意图。该客户价值评估系统其应用在交易处理系统，交易处理系统包括支付终端以及对交易进行处理的转接平台。该客户价值评估系统分别与所述支付终端20及转接平台22电性连接。该客户价值评估系统包括数据库建立模块30、第一获取模块32、第二获取模块34、数据生成模块36、传输模块38。
数据库建立模块30建立商户数据库及持卡人特征库，商户数据库包括商户基本属性数据与商户的客户集，持卡人特征库表征持卡人的消费特征，且商户数据库的客户集与该持卡人特征库之间有关联关系使得可通过该客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据。更为具体地，持卡人的特征库可能有一个也可能是多个，每个特征库表征了一个消费特征且该库所包含的持卡人是多个。例如特征库A所表征的消费特征是珠宝类消费，则表明该持卡人特征库中的各持卡人在其消费偏好中，珠宝类消费的占比高于预先设定的消费偏好阈值。各特征库之间可彼此关联，例如特征库A可因归类在其中的持卡人m也被归类在表征美食的特征库B中而索引到特征库B。
第一获取模块32在转接平台22接收到持卡人的交易数据处理请求对所述对交易数据进行处理，获取持卡人卡号与持卡人消费的商户标识。持卡人通过例如POS终端的支付终端20发出支付请求，转接平台22接收到该请求之后，对交易数据进行处理。在转接平台22接收到请求时，第一获取模块32从该转接平台获取持卡人卡号与持卡人消费的商户标识。
第二获取模块34以第一获取模块32所获取的持卡人卡号及商户标识，从所建立的持卡人特征库中获取与该持卡人有关的特征数据，以及从所建立的商户数据库中获取与消费 所在的商户有关的数据。商户的相关数据包括商户的基本属性、该商户的客户集等。商户的基本类型表明该商户的服务类型(例如是咨询服务类等)或商户销售的商品类型(例如商户贩售珠宝或商户是面包店等)。
数据生成模块36基于所获得的商户有关的数据以及所获取的与该持卡人有关的特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据。数据生成模块36基于所获取的该持卡人的一系列消费特征数据，计算该持卡人的价值信息，所计算的基本价值信息包括：持卡人在该商户的过往消费情况，持卡人在同行业其它商户的消费情况等；随后，基于所计算的基本价值信息产生该持卡人对于该商户的价值传输模块38将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息。
根据本发明的示例，数据库建立模块30包括第一单元，用于从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息。根据示例，这一段时间例如为1年。第二单元基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征，例如倾向于买珠宝的消费特征、倾向于美食的消费特征、倾向于商旅的消费特征等。需要说明的是，每个持卡人在这段时期之内的消费是多样的，根据本发明，将其消费归类，例如按照饮食类、服装类、珠宝类、生活用品类、商旅类等进行分类，再计算各类在其总的消费记录中的比重，当所所计算的比重小于预先确定的消费偏好阈值时，则将该持卡人归入相对应的特征数据库中，其中，消费偏好阈值的大小例如为其针对某项消费的频率与数额占其在这个时期的总消费额的20％以上，便可认为其对该项消费具有消费偏好。
第三单元，其用于建立客户集与所述持卡人特征库之间的关联关系，使得可通过该客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据。
根据本发明所述的客户价值评估方法可实现在转接平台中，或实现在其它电子设备中，只需该电子设备可以与该转接平台通信即可。根据本发明所述的客户价值评估系统可实现为软件或硬件或软件与硬件的结合，且该客户价值评估系统可直接实现在转接平台中，或与给转接平台通信连接。
根据本发明所述的客户价值评估方法和/或客户价值评估系统中，已经建立的商户数据库及持卡人特征库可以更新。例如，每天都从历史数据中获取交易数据，进行分析，获得更新的商户数据库与持卡人特征库，可以更新的商户数据库与持卡人特征库全面覆盖原有的，也可只将新增加的商户数据库数据及持卡人特征库的数据更新到商户数据库与持卡人特 征库。此外，可替代地，在已经建立了商户数据库与持卡人特征库的情况下，后续更新商户数据库与持卡人特征库时，所采用的历史数据可以不包括已建立的商户数据库与持卡人特征库所采用的历史数据。
图3a是以假日酒店作为商户来举例说明在该假日酒店的显示设备上所显示的某持卡客户的价值估计。如图所示，该持卡客户对假日酒店而言，客户潜力值达到82.03％。图3b是图3a中的持卡客户在同行业商户的消费习惯，基于该消费习惯，可估算出如图3a所示的价值估计。

Claims (4)

  1. 一种客户价值评估方法，所述方法用于现有的交易处理系统，所述交易处理系统包括支付终端以及对交易进行处理的转接平台，其特征在于，所述方法包括：
    a.建立商户数据库以及持卡人特征库，所述商户数据库包括商户基本属性数据与商户的客户集，所述持卡人特征库表征持卡人的消费特征，且所述商户数据库的客户集与所述持卡人特征库之间有关联关系使得可通过所述客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据；
    b.在接收到持卡人的交易数据处理请求时，所述转接平台对交易数据进行处理，同时获取持卡人卡号与持卡人消费的商户标识；
    c.以在步骤b中所获取的持卡人卡号及商户标识，从在步骤a中建立的持卡人特征库中获取与该持卡人有关的特征数据，以及从在步骤a中建立的商户数据库中获取与消费所在的商户有关的数据；
    d.基于在步骤c中所获得的商户有关的数据以及所获取的与该持卡人有关的特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据；
    d.将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息。
  2. 如权利要求1所述的客户价值评估方法，其特征在于，所述步骤a包括：
    从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息；
    基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征；
    建立所述客户集与所述持卡人特征库之间的关联关系。
  3. 一种客户价值评估系统，其应用在交易处理系统，所述交易处理系统包括支付终端以及对交易进行处理的转接平台，其特征在于，所述客户价值评估系统分别与所述支付终端及转接平台电性连接，所述客户价值评估系统包括：
    数据库建立模块，其用于建立商户数据库及持卡人特征库，所述商户数据库包括商户基本属性数据与商户的客户集，所述持卡人特征库表征持卡人的消费特征，且所述商户数据库的客户集与所述持卡人特征库之间有关联关系使得可通过所述客户集中的卡号从持卡人特征库中索引到与该卡号对应的数据；
    第一获取模块，其用于在转接平台接收到持卡人的交易数据处理请求对所述对交易数据进行 处理，获取持卡人卡号与持卡人消费的商户标识；
    第二获取模块，其用于以第一获取模块所获取的持卡人卡号及商户标识，从所建立的持卡人特征库中获取与该持卡人有关的特征数据，以及从所建立的商户数据库中获取与消费所在的商户有关的数据；
    数据生成模块，其用于基于所获得的商户有关的数据以及所获取的与该持卡人有关的特征数据确定该持卡人的基本价值信息，并基于所确定的价值信息生成该持卡人针对该商户的价值数据；
    传输模块，其用于将所生成的价值数据传送给与该商户的显示部件，以便该商户获知该持卡人的价值信息。
  4. 如权利要求3所述的客户价值评估系统，其特征在于，所述数据库建立模块包括：
    第一单元，其用于从历史交易数据中提取一段时间内的所有消费记录，所述消费记录包括持卡人消费信息及商户信息；
    第二单元，其用于基于所提取的消费记录，提取表征消费倾向的消费特征数据，并建立持卡人特征库，每个特征库对应一种消费特征；
    第三单元，其用于建立所述客户集与所述持卡人特征库之间的关联关系。
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JP6507247B2 (ja) 2019-04-24
EP3242264A4 (en) 2018-06-20
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