WO2019061612A1 - Procédé et appareil de promotion de produit de prêt et support d'informations lisible par ordinateur - Google Patents

Procédé et appareil de promotion de produit de prêt et support d'informations lisible par ordinateur Download PDF

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Publication number
WO2019061612A1
WO2019061612A1 PCT/CN2017/107402 CN2017107402W WO2019061612A1 WO 2019061612 A1 WO2019061612 A1 WO 2019061612A1 CN 2017107402 W CN2017107402 W CN 2017107402W WO 2019061612 A1 WO2019061612 A1 WO 2019061612A1
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WIPO (PCT)
Prior art keywords
product
loan
customer
preset
database
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PCT/CN2017/107402
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English (en)
Chinese (zh)
Inventor
夏杰
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平安科技（深圳）有限公司
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Publication of WO2019061612A1 publication Critical patent/WO2019061612A1/fr

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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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2455—Query execution
    • G06F16/24553—Query execution of query operations

Definitions

  • the present application relates to the field of loan technology, and in particular, to a loan product promotion method, apparatus, and computer readable storage medium.
  • the main purpose of the present application is to provide a loan product promotion method, device, and computer readable storage medium, which aim to solve the problem that the loan product promotion method is inflexible and high in the prior art.
  • the present application provides a loan product promotion method, and the loan product promotion method includes the following steps:
  • the loan product is recommended to the customer based on the matching result.
  • the step of recommending the loan product to the customer according to the matching result comprises:
  • the loan product is recommended to the customer based on the historical information and the matching result.
  • the step of recommending the loan product to the customer according to the historical information and the matching result comprises:
  • the step of determining whether the customer has a loan record according to the basic information of the customer comprises:
  • the loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.
  • the step of recommending the target loan product to a customer comprises:
  • the step of storing the product attribute in an preset product database as an element of a preset product database comprises:
  • the product attribute is excluded
  • the product attribute is stored as a new element update in the preset product database.
  • the step of obtaining the product attribute of the loan product comprises:
  • the step of acquiring the reference attribute of each existing loan product and storing the reference attribute to the preset product database comprises:
  • the repeated reference attributes are excluded from the preset product database.
  • the present application further provides a loan product promotion device, where the loan product promotion device includes: a memory, a processor, a communication bus, and a loan product promotion program stored on the memory;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute the loan product promotion program to implement the following steps:
  • the loan product is recommended to the customer based on the matching result.
  • the present application also provides a computer readable storage medium storing one or more programs, the one or more programs being configurable by one or more processors Execute for:
  • the loan product is recommended to the customer based on the matching result.
  • the loan product promotion method, device and computer readable storage medium of the embodiment by pre-setting the product database, the obtained product attributes representing the characteristics of the loan product are taken as elements in the preset product database; In the information, the basic information of the customer is matched with each element in the preset product database, and then the recommended loan product is determined according to the matching result.
  • the preset product database stores a plurality of elements, and the product attributes of the plurality of elements and the plurality of loan products are the same. When a new loan product is launched, the product attribute of the loan product is stored in the preset product database.
  • the recommendation of the loan product can be made based on the obtained customer basic information and the matching result in the preset product database. Avoid the promotion of corresponding systems for each loan product development, reduce development costs, and accelerate the progress of promotion.
  • FIG. 1 is a schematic flow chart of a first embodiment of a loan product promotion method of the present application
  • FIG. 2 is a schematic flow chart of a second embodiment of a loan product promotion method according to the present application.
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the application provides a method for promoting a loan product.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan product promotion method according to the present application.
  • the loan product promotion method includes:
  • Step S10 Obtain a product attribute of the loan product, and store the product attribute in an preset product database as an element of a preset product database;
  • a product database that is, a preset product database
  • the preset product database stores a plurality of elements, and the plurality of elements correspond to the product attributes of the loan product.
  • the loan product may also have cross-cutting attributes, and the cross-attribution indicates that different loan products have mutually supportive application conditions.
  • Such basic information and cross-cutting attributes are product attributes. Different loan products have different product attributes, and the product attributes of each loan product are used as elements in the preset product database, and the elements in the preset product database can be set by artificially according to actual needs, so that the preset product database is made. The elements in it are more comprehensive.
  • the product promoter or developer inputs the product attribute of the loan product into the product system, uploads it to the server through the product system, and obtains the product attribute of the loan product from the server, and
  • the acquired product attributes are stored in the preset product database as elements of the preset product database. Different combinations of elements may correspond to different product attributes, and different product attributes represent different loan products.
  • the elements in the preset product database include: ⁇ a1, a2, a3, b1, b2, c1 ⁇ , where the elements ⁇ a1, a2, c1 ⁇ represent the product attributes of the loan product A; the elements ⁇ b1, b2, c1 ⁇ represent The product attribute of the loan product B; the elements ⁇ a1, b1, c1 ⁇ represent the product attributes of the loan product C.
  • the loan product is the loan product C.
  • the steps in which the product attributes are stored in the preset product database as elements of the preset product database include:
  • Step S11 comparing the product attributes and the elements in the preset product database one by one, and determining whether there is a corresponding element in the preset product database and the product attribute;
  • Step S12 when there is an element corresponding to the product attribute in the preset product database, the product attribute is removed;
  • step S13 when there is no corresponding element of the product attribute in the preset product database, the product attribute is stored as a new element update in the preset product database.
  • the product attribute and the element in the preset product database are matched one by one to determine whether there is an element corresponding to the product attribute.
  • the product attribute and the element in the preset product database are matched one by one to determine whether there is an element corresponding to the product attribute.
  • Step S20 obtaining basic information of the client of the loan application end, matching the basic information with each element in the preset product database, and obtaining a matching result;
  • the basic information of the customer is obtained through the loan application end, and the loan application end is a smart terminal for the customer to input basic information when purchasing the credit product and purchasing the insurance product, which may be a mobile phone. Or a tablet, there is no limit to this.
  • the basic information of the customer it is judged whether the customer satisfies the application condition of the loan product, specifically, the basic information of the customer is matched with each element in the preset product database, and the matching result is determined. Because the elements in the preset product database represent the product attribute set of each loan product, the essence is to match the basic information of the customer with the product attributes of each loan product, and the loan product that the customer can apply can be determined according to the matching result.
  • the basic information of the customer includes the date of birth, the current city of residence, whether it is a local account, and whether there is a credit record. Understandably, the customer may be an old customer who has applied for a loan or a credit card before, and the previous application requires customer information, so that the basic information of the customer can be judged by judging whether the customer is an old customer, and when judging that the customer is When the old customer, the previous processing record is extracted to obtain the basic information of the customer; when it is judged that the customer is a new customer, the basic information of the customer can be input through the customer's personnel, thereby obtaining the basic information of the customer.
  • Step S30 recommending a loan product to the customer according to the matching result.
  • the elements in the preset product database are collections of product attributes of a plurality of loan products, and different elements of the preset product database are combined to determine different loan products. Therefore, when the basic information of the customer is matched with the elements in the preset product database, the matching result does not necessarily match the product attribute of a certain loan product, and may be consistent with the product attributes of the various loan products, or with the loan product. Some of the product attributes are consistent. When it is consistent with the product attributes of various loan products, the various loan products can be recommended to the customer for selection; when the product attributes of the loan product are consistent, the product attributes are the highest. The loan product is recommended to the customer to increase the success rate of the customer's application for the loan.
  • the loan product promotion method of the present application includes: obtaining a product attribute of the loan product, and storing the product attribute in an preset product database as an element of a preset product database; acquiring basic information of the loan application client, and the basic information The information is matched with each element in the preset product database, and the matching result is obtained; the loan product is recommended to the customer according to the matching result.
  • the product attribute of the obtained loan product characteristic is taken as an element in the preset product database; thus, when the basic information of the customer is obtained, the basic information of the customer and the preset product database are obtained.
  • Each element is matched, and then it is determined according to the matching result that the customer loan product is recommended.
  • the preset product database stores a plurality of elements, and the product attributes of the plurality of elements and the plurality of loan products are consistent.
  • the product attribute of the loan product is stored in the preset product database.
  • the recommendation of the loan product can be made based on the obtained customer basic information and the matching result in the preset product database. Avoid the promotion of corresponding systems for each loan product development, reduce development costs, and accelerate the progress of promotion.
  • the step S30, according to the matching result, recommending the loan product to the customer includes:
  • Step S31 determining whether the customer has a loan record according to the basic information of the customer
  • Step S32 when the customer has a loan record, acquiring historical information corresponding to the loan record;
  • Step S33 recommending the loan product to the customer according to the historical information and the matching result.
  • the historical information of the loan product handled by the customer can reflect the customer's demand, so that when the loan product is recommended to the customer, the historical information reflecting the customer's demand can be combined with the customer. , recommend to customers. Because no matter what kind of loan product the customer handles, the customer's personal basic information is required, so that the customer's basic information can be used to judge whether the customer has the loan record. When the loan record is recorded, the customer is the old customer who successfully processed the loan product. .
  • the historical information corresponding to the loan record when the customer handles the loan product is obtained, and the historical information is used to determine the customer's demand.
  • the customer information such as the customer's age, income, social security information, etc. in the customer loan record is obtained, and according to the customer information, the loan product with the qualification applied for is determined, and the loan product most likely to be demanded is inferred according to the historical loan product.
  • the historical information shows that the customer has handled the purchase loan
  • the customer information in the purchase loan it is determined that the loan product that can be applied for has a car loan and a special loan.
  • the step S31 of the embodiment determines whether the customer has the loan record and includes:
  • Step S34 when the customer does not have a loan record, obtain an element in the preset product database that matches the basic information;
  • Step S35 determining a loan product with the highest similarity to the matched element, wherein the more product attributes in the loan product that are the same as the matched elements, the higher the similarity between the matched elements and the loan product;
  • Step S36 determining the loan product with the highest similarity as the target loan product, and recommending the target loan product to the customer.
  • the customer When it is determined that the customer does not have a loan record, the customer is a new customer who has not successfully processed the loan product before, and obtains an element matching the basic information from the preset product database, and determines the target loan product according to the matched element, and This target loan product is recommended to the customer. Understandably, different loan products have different product attributes, which are characterized by different numbers of elements in a preset product database, such as n1, n2, n3, m1 and m2 included in the preset product database.
  • the product attributes of the loan product N1 are n1, n2, n3, m1; the product attributes of the loan product N2 are n1, n2, m1, m2; the product attributes of the loan product N3 are n2, n3, m1; judged by the basic information of the customer When it is a new customer, and the basic information is matched with the elements in the preset product database, the matching result is matched with the elements n1, n2 and n3.
  • the number is 3, 2 and 2, all of which are partially matched, but the same as the product attribute of N1, the N1 is determined as the loan product with the highest similarity, and it is recommended as the target loan product to the customer.
  • the matching result in the above embodiment is matched with the elements n1, n2, n3, and m2, the basic information of the customer and the similarity of the loan products N1 and N2 are juxtaposed first, thereby determining the target loan product according to the similarity.
  • N1 and N2 recommend N1 and N2 to the customer for selection to make the recommendation more accurate. Understandably, when the loan product matching the customer basic information is recommended to the customer, the customer does not fully understand the information of the loan product, and the steps of recommending the target loan product to the customer include:
  • the customer may need to go through a complicated process when he wants to have a deep understanding of the target loan product information, resulting in poor customer experience and easy customer loss. Therefore, in order to better serve the customer, after determining the target loan product according to the matched elements, it is also necessary to determine the customer service personnel information corresponding to the target loan product, the customer personnel information including the customer's telephone number, name and the like, and the target The loan product and the corresponding customer information are recommended to the loan application end display. When the customer needs it, the customer can contact the customer to consult the target loan product to meet the different needs of the customer.
  • the step S33 of recommending the loan product to the client according to the historical information and the matching result includes:
  • Step S331 acquiring an element that matches the basic information, and determining a matching loan product according to the matched element;
  • Step S332 determining the relevance of the matching loan product and the historical information, and recommending the loan product to the customer according to the relevance.
  • the loan product needs to be recommended to the customer in combination with the historical information of the loan product and the matching result.
  • an element matching the basic information of the customer is obtained, a matching loan product is determined according to the matched element, and secondly, the relevance of the matching loan product to the historical information is determined, and the loan product recommended to the customer is determined according to the correlation degree.
  • the basic information of the customer is consistent with the product attributes of the plurality of loan products, that is, when the plurality of matching loan products can be determined according to the matching result of the basic information of the customer and the elements in the preset product database, determining the plurality of matching loans
  • the relevance of the product to the historical information of the loan product is the loan product recommended by the customer with the most relevant matching loan product.
  • the historical information indicates that the loan product handled by the customer is a home purchase loan, and the plurality of matching loan products determined include a car loan, an education loan, a decoration loan, etc., so that the decoration loan is regarded as the most relevant according to the correlation of the purchase loan.
  • Match loan products as loan products recommended to customers.
  • the matching loan product and the loan product are determined.
  • Historical information relevance When the matching loan product is not related to the historical information of the loan product, the loan product corresponding to the historical information of the loan product is determined, and the loan product corresponding to the loan product and the historical information is used as the loan product recommended to the customer.
  • the matching loan product is related to the historical information of the loan product, the matching loan product is directly used as the loan product recommended to the customer.
  • the recommendation method combining the history information and the matching result can make the recommendation more accurate.
  • the step S10 acquires the product attribute of the loan product.
  • the steps include:
  • Step S40 establishing a preset product database
  • Step S50 Obtain reference attributes of each existing loan product, and store the reference attributes into a preset product database, where the reference attributes are used as elements of a preset product database.
  • the product database stores a reference attribute as its element.
  • the reference attribute is derived from the existing loan product, which is used to represent the customer group, cross attribute, etc. currently applicable to the existing loan product, so as to match the customer's basic loan information by matching the reference attribute with the obtained customer basic information.
  • product Specifically, a preset product database for organizing, storing, and managing data is created by writing code, obtaining reference attributes of each existing loan product, and storing the obtained reference attributes into a preset product database. Form the elements of the preset product database, and use different combinations of elements to characterize different loan products.
  • the step of storing the reference attribute to the preset product database then includes:
  • Step S60 determining whether there is a duplicate reference attribute in the preset product database
  • Step S70 When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.
  • the step of determining whether there is a duplicate reference attribute may also determine whether the reference attribute already exists in the preset product database before storing the reference attribute in the preset product database, and storing the reference attribute in the preset product database when it is stored.
  • the product database is preset to ensure the uniqueness of the elements in the preset product database to avoid duplicate matching and improve the efficiency of matching comparison when matching the basic information with the elements in the preset product database.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.
  • the loan product promotion device in the embodiment of the present application may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compression standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.
  • MP3 Motion Picture Experts Group Audio Layer III, motion picture expert compression standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3 terminal devices such as players and portable computers.
  • the loan product promotion device may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005.
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the loan product promotion device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • the user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface.
  • the network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).
  • the structure of the loan product promotion device shown in FIG. 3 does not constitute a limitation on the loan product promotion device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.
  • an operating system, a network communication module, and a loan product promotion program may be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the hardware and software resources of the loan product promotion device, and supports the operation of the loan product promotion program and other software and/or programs.
  • the network communication module is used to enable communication between components within the memory 1005 and to communicate with other hardware and software in the loan product promotion device.
  • the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:
  • the loan product is recommended to the customer based on the matching result.
  • step of recommending the loan product to the client according to the matching result includes:
  • the loan product is recommended to the customer based on the historical information and the matching result.
  • the step of recommending the loan product to the client according to the historical information and the matching result includes:
  • the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:
  • the loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.
  • the step of recommending the target loan product to a customer includes:
  • step of storing the product attribute in the preset product database as an element of the preset product database includes:
  • the product attribute is excluded
  • the product attribute is stored as a new element update in the preset product database.
  • the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:
  • the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps. :
  • the repeated reference attributes are excluded from the preset product database.
  • the application provides a computer readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for:
  • the loan product is recommended to the customer based on the matching result.
  • step of recommending the loan product to the client according to the matching result includes:
  • the loan product is recommended to the customer based on the historical information and the matching result.
  • the step of recommending the loan product to the client according to the historical information and the matching result includes:
  • the one or more programs may be executed by one or more processors for:
  • the loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.
  • the step of recommending the target loan product to a customer includes:
  • step of storing the product attribute in the preset product database as an element of the preset product database includes:
  • the product attribute is excluded
  • the product attribute is stored as a new element update in the preset product database.
  • the one or more programs may be executed by one or more processors for:
  • the one or more programs may also be executed by one or more processors. Used for:
  • the repeated reference attributes are excluded from the preset product database.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, or a network device, etc.

Abstract

La présente invention concerne un procédé et un appareil de promotion de produit de prêt et un support d'informations lisible par ordinateur. Le procédé consiste : à acquérir des attributs de produit d'un produit de prêt, et à stocker les attributs de produit dans une base de données de produits prédéfinis en tant qu'éléments de la base de données de produits prédéfinis ; à acquérir des informations de base concernant un client à partir d'une extrémité d'application de prêt, à mettre en correspondance les informations de base avec les éléments dans la base de données de produits prédéfinis, et à acquérir un résultat de mise en correspondance ; et à recommander un produit de prêt au client en fonction du résultat de mise en correspondance. Selon la solution, une base de données de produits stockant une pluralité d'éléments est prédéfinie, et la pluralité d'éléments sont compatibles avec des attributs de produit d'une pluralité de produits de prêt. Lorsqu'un nouveau produit de prêt est lancé, des attributs de produit du produit de prêt sont stockés dans la base de données de produits prédéfinis en tant qu'éléments de ce dernier, et le produit de prêt est recommandé selon le résultat de mise en correspondance des informations de base concernant le client et la base de données de produits prédéfinis. Le développement d'un système pour chaque produit de prêt de façon à favoriser ce dernier est évité, les coûts de développement sont réduits, et la promotion est expédiée.
PCT/CN2017/107402 2017-09-29 2017-10-24 Procédé et appareil de promotion de produit de prêt et support d'informations lisible par ordinateur WO2019061612A1 (fr)

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