WO2019061614A1

WO2019061614A1 - Loan product matching method, apparatus and computer-readable storage medium

Info

Publication number: WO2019061614A1
Application number: PCT/CN2017/107425
Authority: WO
Inventors: 夏杰
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-09-29
Filing date: 2017-10-24
Publication date: 2019-04-04
Also published as: CN107657527A

Abstract

Disclosed in the present application are a loan product matching method, an apparatus and a computer-readable storage medium, the loan product matching method comprising: acquiring basic information and behavioral information of a loan application-end client, and constructing the basic information and behavioral information into a current portrait of the client; acquiring product attributes of all loan products in a pre-determined product library; making a loan product in the product library having a product attribute matching the current portrait of the client into a loan product matching the client. The present solution performs loan product matching according to a current client portrait characterizing current exclusive features of the client and product characteristics characterizing loan product application conditions, and because the client portrait can fully express client requirements and application conditions of the client, prevents subjective and incomplete matching by customer service personnel, increasing matching accuracy.

Description

Loan product matching method, device and computer readable storage medium

This application claims the priority of the Chinese Patent Application filed on Sep. 29, 2017, the Chinese Patent Application No. PCT Application No. Combined in the application.

Technical field

The present application relates to the field of loan technology, and in particular, to a loan product matching method and apparatus, and a computer readable storage medium.

Background technique

At present, when customers have loan demand, they usually consult through online customer service or go to the store. According to the customer's information, the customer service subjectively judges the customer's loan qualification, such as whether the customer has real estate, vehicles, whether to buy insurance, whether there is a credit card, or the customer. The age group and the region, etc., so that the customer matches the loan product according to the customer's loan qualification. This method of matching is too subjective and may result in excellent and customer-qualified financial products that cannot be accurately matched to customers in real time. In addition, the subjective judgment of the customer service staff may not fully cover all the loan products of the financial institution, thereby further leading the matching. The loan product is not accurate.

Summary of the invention

The main purpose of the present application is to provide a loan product matching method, apparatus and computer readable storage medium, which aim to solve the problem of inaccurate matching of loan products in the prior art.

To achieve the above objective, the present application provides a loan product matching method, and the loan product matching method includes the following steps:

Obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as the current portrait of the client;

Obtain the product attributes of all loan products in the preset product library;

The loan product that matches the product attributes in the preset product library with the current image of the customer is used as the matching loan product of the customer.

Preferably, all the product attributes include an intrinsic attribute and an adjustable attribute, and the step of using the loan product that matches the product attribute in the preset product library with the current image of the customer as the matching loan product of the customer includes:

Comparing the basic information in the current portrait of the customer with the intrinsic attributes of all the loan products, obtaining the loan product corresponding to the inherent attribute matching the basic information, and using the loan as an alternative loan product;

Comparing the behavior information in the current portrait of the customer with the adjustable attributes of the alternative loan product to determine the loan qualification of the customer relative to each of the alternative loan products;

According to the loan qualification, the candidate loan product with the qualification of the customer is determined, and the candidate loan product is used as the matching loan product of the customer.

Preferably, the step of using the candidate loan product as a matching loan product of the customer comprises:

Matching each element in the product attributes of each candidate loan product with each label of the customer portrait, and counting the number of successful matching of the element with the label;

Determining the maximum value of the quantity, and recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end.

Preferably, the step of recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end comprises:

Determining the customer service personnel information corresponding to the loan product, and recommending the loan product and the customer service personnel information to the loan application end.

Preferably, the step of obtaining product attributes of all loan products in the preset product library comprises:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, obtain a past portrait of the customer corresponding to the loan record, and determine whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value;

When the difference between the customer's past portrait and the current portrait of the customer is greater than the preset value, the product attributes of each loan product are obtained.

Preferably, the step of determining whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value comprises:

When the difference value between the past portrait of the customer and the current portrait of the customer is less than or equal to the preset value, the record generation time of the loan record is determined, and the product attribute of the loan product launched after the record generation time is acquired.

Preferably, the step of determining whether the customer has a loan record comprises:

When the customer does not have a loan record, obtain the product attributes of each loan product.

Preferably, the step of constructing the basic information and behavior information as a current portrait of the client comprises:

Establish a customer's personal information database, store the customer's basic information and behavior information into the customer's personal information database, and build the customer's current image based on the personal information database.

In addition, in order to achieve the above object, the present application further provides a loan product matching device, the loan product matching device comprising: a memory, a processor, a communication bus, and a loan product matching 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 matching program to implement the following steps:

Moreover, to achieve the above object, 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 matching method and device and the computer readable storage medium of the embodiment are constructed by constructing the customer basic information and the behavior information of the loan application end as images representing the current exclusive characteristics of the customer, and acquiring all the loan products in the preset product library. The product attributes that characterize the application conditions, so as to determine the product attributes corresponding to the current portrait of the customer according to the application conditions of each loan product, that is, the loan product matched by the current portrait of the customer. This program through the customer's current portrait and the product attributes of the loan product, the loan product matching, because the customer portrait can fully represent the customer's needs and application conditions, avoiding the subjective and incomplete nature of the customer service personnel manual matching, improve the matching accuracy.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a loan product matching method of the present application;

2 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 implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The application provides a loan product matching method.

Please refer to FIG. 1. FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan product matching method according to the present application. In this embodiment, the loan product matching method includes:

Step S10, obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as a current portrait of the client;

The loan product matching method of the solution is suitable for matching the loan product suitable for the customer, and in order to achieve an accurate match, the customer information needs to be obtained, so as to determine the customer's application qualification or the customer's demand through the customer information, thereby matching according to the customer's needs. . The customer information may include basic information and behavior information, and the basic information includes but is not limited to the customer's age, gender, credit status, etc., and the behavior information includes but is not limited to investment transaction behavior, social behavior, credit behavior, consumer behavior, and the like. After obtaining the basic information and the behavior information of the customer, the basic information and the behavior information obtained by the embodiment are constructed as the current portrait of the customer, so as to fully and accurately reflect the current needs of the customer and the current conditions for the customer to apply for the loan through the current portrait of the customer. . The customer portrait is a tabular portrait abstracted based on user demographic information, social relationships, preferences, and consumer behavior. Different clients have different basic information and behavioral information, and the resulting customer images are different. The basic information of the customer can be obtained through the basic information input by the customer when applying for credit products, purchasing insurance products or saving at the loan application end. The loan application end can be a mobile terminal such as a mobile phone or a tablet computer; the behavior information can be socialized or consumed by the customer. The process of swiping operations, or the customer's direct investment in financial institutions or credit behaviors. The basic information and behavior information obtained are constructed as customer images to represent the particularity of the customer and distinguish it from other customers. Specifically, the steps of constructing the basic information and behavior information as the current portrait of the client include:

Further, after obtaining the basic information and the behavior information of the customer, the customer-specific personal information database is established, and the obtained basic information and behavior information are stored in the personal information database as the personal label of the customer to construct the current customer. portrait. The process of constructing a customer's portrait is the process of labeling the user, and the part of the label comes from the customer's direct behavior data, such as the ID information and bank card information that are actively filled in and uploaded when applying for the loan; the other part It is obtained through the analysis of customer behavior through algorithms or rules. If the customer's recent consumption behavior is to purchase maternal and child products, it can be inferred to be the new mother/dad according to the frequency and quantity of the user's purchase, combined with the user's age and gender. The personal tags that reflect the current behavior or characteristics of the customer are constructed into the current portrait of the customer. When constructing, the image can be represented by the image of the character. First, a character image representing the customer is set up, and the corresponding basic information and behavior information are used as labels. Fill in the image of this person, such as gender, age, work, consumption behavior, travel behavior, etc. The image of the person and the label thereon reflect the current needs of the customer or their current application conditions, so as to more accurately match the loan product according to the current portrait of the customer's current needs or reflecting the current application conditions of the customer.

Step S20, obtaining product attributes of all loan products in the preset product database;

Understandably, different loan products are applicable to different customers. For a loan product, the customer must satisfy the conditions for applying for the loan to apply. The application condition that the customer must satisfy is the inherent property of the loan product. In addition to the inherent attributes that must be met to apply for a loan product, the loan product also includes an adjustable attribute, and the adjustable attribute is an application condition that can be adjusted. For example, the application conditions for a loan product of Ping An Puhui are: age requirement: 21~55 years old; income requirement: ≥3000 yuan/month after tax; residence requirement: current residence ≥6 months, living or working in the application place Applicant requirements: must be policy insured; life insurance policy requirements: 1) life insurance policy is in force; 2) policy has been in force for ≥ 6 months; 3) support all insurance companies' life insurance policies. When the customer has a loan demand, the age requirement, income requirement, residence requirement, and applicant requirements are inherent attributes, the customer must meet; and the life insurance policy requirement is an adjustable attribute, when the customer does not purchase the life insurance policy, and the disease insurance policy is purchased. At that time, the life insurance policy can be adjusted to a sickness insurance policy. In this embodiment, the intrinsic attribute and the adjustable attribute are used as product attributes of the loan product, and different loan products have different product attributes to suit different customer needs. In addition, a product database, that is, a preset product database, is pre-set, and the preset product database includes all loan products launched by the current financial institution, and the product attributes of all the loan products in the preset product database are obtained, and the product attributes can be determined according to the product attributes. A loan product in the preset product database that matches the current image of the customer.

In step S30, the loan product matching the product attribute in the preset product library and the current image of the customer is used as the matching loan product of the customer.

Furthermore, since the customer's current portrait reflects the customer's needs and the customer's current application conditions, the product attributes reflect the application conditions of the loan product, so that after obtaining the customer's current portrait and the product attributes of all the loan products in the preset product database, This product attribute and the customer's current portrait match the loan product that matches the customer's current portrait, and the loan product that matches the product attributes in the preset product library with the customer's current image is used as the customer's matching loan product. The specific matching steps include:

Step S31, comparing the basic information in the current portrait of the customer with the intrinsic attributes of all the loan products, obtaining the loan product corresponding to the intrinsic attribute matching the basic information, and using the loan as the candidate loan product;

Step S32, comparing the behavior information in the current portrait of the customer with the adjustable attribute of the candidate loan product, and determining the loan qualification of the customer relative to each of the alternative loan products;

Step S33, determining, according to the loan qualification, an alternative loan product that the customer has the application qualification, and using the candidate loan product as the matching loan product of the customer.

Considering that the product attributes include the intrinsic properties that the customer must satisfy the conditions and the adjustable properties that can be adjusted, the current portrait of the customer includes basic information and behavioral information, so that when the product attributes match the current image of the customer, the basic information and inherent Attribute comparisons to determine if the customer satisfies the intrinsic attributes. When the basic information meets the intrinsic attribute requirements of the loan product, it indicates that the customer meets the basic conditions for applying for the loan product, and the loan product is used as an alternative loan product, and further uses the customer's behavior attribute and the adjustable attribute in the candidate product. Compare to determine if the customer has the conditions to apply for this alternative loan product. When comparing, the basic information and behavior information of the current portrait of the customer will be constructed and compared with the intrinsic attributes and adjustable attributes of all loan products, and the loan qualification of the customer relative to each loan product will be determined. When the basic information of the customer's current portrait, When the behavior information satisfies the application conditions of the applied loan product, the customer has the qualification to apply for the loan; when the basic information and behavior information in the current portrait of the customer do not satisfy the application conditions for the applied loan product, the customer does not have the application for this. Eligibility for a loan. If the product attribute of a loan is for a woman in Shanghai, only when the basic information in the current portrait of the customer is a woman in the Shanghai area, is the qualification to apply for the loan product; and the basic information in the current portrait of the customer. When it is a woman in the Shenzhen area, it does not have the qualification to apply for this loan product. That is, the loan qualification includes two parts: the eligibility for application and the eligibility for application. After determining the eligibility of the application, the corresponding loan product can be determined, and the loan product is used as a loan product matched by the customer. For example, after comparing the customer portrait and the product attributes of each loan product, it is determined that the current portrait of the customer corresponds to the product attributes of the alternative loan products A, D, and W, thereby determining the customer's application for the alternative loan product A. , D, W loan qualification, according to the loan qualification to determine the corresponding alternative loan products A, D, W, and then this alternative loan product as a customer's matching loan products. The loan products A, D, and W can be added to the current portrait of the customer as a label in the customer's personal information database. So that the customer or customer service staff can know the customer's current portrait, they can know the loan product that matches the customer, so that the customer or customer service staff can understand or sell the loan product according to the matching loan product, and achieve precise marketing.

The loan product matching method of the present application comprises: obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as a current portrait of the customer; acquiring product attributes of all loan products in the preset product library; The loan product in the product library with the product attributes matching the customer's current image is preset as the matching loan product of the customer. The solution constructs the customer basic information and behavior information as a portrait representing the current exclusive characteristics of the customer, and obtains the product attributes in the preset product library for characterizing the loan product application conditions, thereby determining according to the application conditions of all the loan products. The product attribute corresponding to the customer's current portrait, that is, the loan product matched by the customer's current portrait. Through the customer's current portrait and the product attributes of the loan product, the loan product is matched. The customer portrait can fully represent the customer's needs and the application conditions, avoiding the subjectivity and incompleteness of the customer service manual matching, and improving the matching. The accuracy.

Further, in another embodiment of the loan product matching method of the present application, the step S32 includes the step of using the candidate loan product as a matching loan product of the customer:

Step S34, matching each product attribute of each candidate loan product with each label of the current portrait of the customer, and counting the number of successful matching of the product attribute and the label;

In step S35, the maximum value of the quantity is determined, and the candidate loan product corresponding to the maximum value is recommended as a matching loan product of the customer to the loan application end.

Understandably, because different loan products have multiple different product attributes, the customer's current portrait also has multiple tags that characterize the customer. Therefore, when the current portrait of the customer is compared with the product attributes of the respective loan products, the actual product attributes of the candidate loan product are matched with the respective labels of the current portrait of the customer, and the labels of the current portrait of the customer may be multiple Some product attributes of the loan product are consistent, and the degree of conformity is inconsistent. When the degree of conformity is too low, that is, if the customer's current portrait is not consistent with the product attributes of the loan product, if the loan product is also used as a matching loan product, subsequent recommendation is obviously unreasonable, and the subsequent development cost is wasted. Therefore, in this embodiment, a preset value may be set. When the current image of the customer and the product attribute meet the preset value, the loan product corresponding to the product attribute is determined to match the current image of the customer. In the loan products determined to be matched, the product attributes of each loan product and the current image of the customer are inconsistent, that is, the degree of matching is inconsistent. At this time, in order to better serve the customer, the number of successful matching of the product attributes of each candidate loan product in the current portrait label of the customer is counted, and the number of successful matching is sorted, and the candidate loan product corresponding to the maximum quantity is determined. The product attributes of this loan product match the current image of the customer. The success rate of applying for this loan product is the highest according to the application conditions of the customer in the customer's current portrait, or the loan product best meets the customer's needs, thus maximizing the quantity. The alternative loan product corresponding to the value is recommended to the loan application end of the customer for applying for the loan, and is displayed for the loan application end. The steps of recommending the candidate loan product corresponding to the maximum value as the matching loan product of the customer to the loan application end include:

Determining the customer service personnel information corresponding to the loan product, and recommending the loan product and the customer service personnel information to the customer loan application end.

Further, considering that after recommending the most matching loan product to the customer, if the customer wants to deeply understand the product information of the most matching loan product, the customer may need to go through a complicated process, resulting in poor customer experience, the customer Easy to lose. Therefore, in order to better serve the customer, after determining the loan product with the highest matching with the current portrait of the customer, it is also necessary to determine the customer service personnel information corresponding to the loan product with the highest matching degree, the customer personnel information includes the telephone number of the customer personnel. Information such as name and name, this loan product and corresponding customer personnel are recommended to the loan application end display. When the customer needs it, the customer can contact the customer to consult the loan product to meet the different needs of the customer.

Further, in another embodiment of the loan product matching method of the present application, the step of obtaining the product attributes of all the loan products in the preset product library by the step S20 includes:

Step S21, determining whether the customer has a loan record according to the basic information of the customer;

Step S22, when the customer has a loan record, obtain a past portrait of the customer corresponding to the loan record, and determine whether the difference between the past portrait of the customer and the current portrait of the customer is greater than a preset value;

In step S23, when the difference value between the past portrait of the customer and the current portrait of the customer is greater than a preset value, the product attributes of each loan product are obtained.

Further, considering that the customer may be an old customer who has previously applied for a loan product, and when applying for a loan product before, a corresponding customer portrait will be created, and the customer portrait is a past portrait of the customer. The customer's past portraits and the customer's current portraits may be basically the same or different. They are mainly based on the customer's basic information and behavioral information changes. When the change is small, the two are basically the same, and when the change is large, the two may be different. Very big. When the two are basically the same, it indicates that the customer's needs and the application conditions have not changed much. The loan products before the time of applying for the loan product may not meet the customer's needs or the customer does not have the application conditions, so this class The acquisition of product attributes for loan products is of little value and will increase operating costs. Therefore, the embodiment determines whether the customer has a loan record according to the basic information of the customer. When it is determined that the customer has the loan record, the customer indicates that the customer is an old customer who has applied for the loan product before, and obtains a past portrait of the customer corresponding to the previously applied loan product, and Set a preset value to determine the difference in the difference between the customer's past portrait and the customer's current portrait. The difference between the customer's past portrait and the customer's current portrait can be judged by the number of labels that characterize the customer's characteristics and the content of the label. The larger the difference between the number of labels or the content of the label, the greater the difference value. When the difference value is greater than the preset value, it indicates that the customer's past portrait and the customer's current portrait are quite different. The customer's current basic information and behavior information have changed greatly. The loan product that may be introduced before the loan can be adapted to the customer's needs or customers. Applicable conditions to obtain product attributes for each loan product prior to applying for a loan to match all launched loan products.

In addition, after determining whether the difference between the customer's past portrait and the current portrait of the customer is greater than the preset value, the method further includes:

In step S24, when the difference value between the past portrait of the customer and the current portrait of the customer is less than or equal to the preset value, the record generation time of the loan record is determined, and the product attribute of the loan product launched after the record generation time is obtained.

Furthermore, when the difference between the customer's past portrait and the customer's current portrait is not greater than the preset value, it means that the customer's past portrait and the customer's current portrait are not much different, and the customer's current basic information and behavior information have not changed substantially. The previously launched loan products are still not suitable for customer needs or the customer does not have the application conditions, so that it is not necessary to obtain the product attributes of the loan products including the loan before applying for the loan, and only need to obtain the product attributes of the loan products launched after applying for the loan. Therefore, when the difference value is less than or equal to the preset value, the record generation time of the loan record when the customer previously applied for the loan is determined, and the loan product launched after the record generation time is determined, and the product attribute of the loan product is acquired to use the product. The attribute matches the current portrait of the customer, avoiding duplicate matches and improving matching efficiency.

Preferably, it is considered that not all the customers are old customers who have applied for the loan product before, so the steps of determining whether the customer has the application record in this embodiment include:

In step S25, when the customer does not have a loan record, the product attributes of each loan product are obtained.

When the customer has no previous loan record, that is, the customer is a new customer who has not applied for a loan, the loan product that can meet the demand and meet the application conditions is not known, so as to obtain the product attributes of each loan product. Matching the product attributes of all launched loan products with the current customer image makes the match more comprehensive and the match more accurate and comprehensive.

It should be noted that those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable state. In the storage medium, the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

Referring to FIG. 2, FIG. 2 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 matching 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 4) terminal devices such as players and portable computers.

As shown in FIG. 2, the loan product matching 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.

Optionally, the loan product matching 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).

It will be understood by those skilled in the art that the loan product matching device structure shown in FIG. 2 does not constitute a limitation on the loan product matching device, and may include more or less components than those illustrated, or combine some components, or different. Parts layout.

As shown in FIG. 2, an operating system, a network communication module, and a loan product matching program may be included in the memory 1005 as a computer storage medium. The operating system is a program that manages and controls the loan product matching device hardware and software resources, and supports the operation of the loan product matching 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 matching device.

In the loan product matching device shown in FIG. 2, the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:

Further, all the product attributes include an intrinsic attribute and an adjustable attribute, and the step of using the loan product that matches the product attribute in the product library with the current image of the customer as the matching loan product of the customer includes:

Further, after the step of using the candidate loan product as a matching loan product of the customer, the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:

Matching each product attribute of each candidate loan product with each label of the current portrait of the customer, and counting the number of successful matching of the product attribute and the label;

Further, the step of recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end includes:

Further, the step of obtaining product attributes of all loan products in the preset product library includes:

Further, after the step of determining whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value, the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:

Further, after the step of determining whether the customer has a loan record, the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:

Further, the step of constructing the basic information and behavior information as a current portrait of the client includes:

The specific implementation manners of the loan product matching device of the present application are basically the same as the foregoing embodiments of the loan product matching method, and details are not described herein again.

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:

Further, the step of using the candidate loan product as a matching loan product of the customer includes:

Further, after the step of determining whether the difference between the customer's past portrait and the current portrait of the client is greater than a preset value, the one or more programs may also be executed by one or more processors for:

Further, after the step of determining whether the customer has a loan record, the one or more programs may also be executed by one or more processors for:

The specific embodiment of the computer readable storage medium of the present application is substantially the same as the embodiment of the foregoing method for matching the loan product, and details are not described herein again.

It is also to be understood that the term "comprises", "comprising", or any other variants thereof is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device that comprises a And also includes other elements not explicitly listed, or elements that are inherent to such a process, method, item, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, 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.

The above description is only a preferred embodiment of the present application, and is not intended to limit the scope of the patents of the present application, and the equivalent structural transformations made by the contents of the specification and the drawings of the present application, or directly/indirectly Other related technical fields are included in the patent protection scope of the present application.

Claims

A loan product matching method, characterized in that the loan product matching method comprises the following steps:

Obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as the current portrait of the client;

Obtain the product attributes of all loan products in the preset product library;

The loan product that matches the product attributes in the preset product library with the current image of the customer is used as the matching loan product of the customer.
The loan product matching method according to claim 1, wherein all product attributes include an intrinsic attribute and an adjustable attribute, and the loan product that matches a product attribute in the product library with a current image of the customer is used as a matching loan of the customer. The steps of the product include:

Comparing the basic information in the current portrait of the customer with the intrinsic attributes of all the loan products, obtaining the loan product corresponding to the inherent attribute matching the basic information, and using the loan as an alternative loan product;

Comparing the behavior information in the current portrait of the customer with the adjustable attributes of the alternative loan product to determine the loan qualification of the customer relative to each of the alternative loan products;

According to the loan qualification, the candidate loan product with the qualification of the customer is determined, and the candidate loan product is used as the matching loan product of the customer.
The loan product matching method according to claim 2, wherein the step of using the alternative loan product as a matching loan product of the customer comprises:

Matching each product attribute of each candidate loan product with each label of the current portrait of the customer, and counting the number of successful matching of the product attribute and the label;

Determining the maximum value of the quantity, and recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end.
The loan product matching method according to claim 3, wherein the step of recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end comprises:

Determining the customer service personnel information corresponding to the loan product, and recommending the loan product and the customer service personnel information to the loan application end.
The loan product matching method according to claim 1, wherein the step of obtaining product attributes of all loan products in the preset product library comprises:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, obtain a past portrait of the customer corresponding to the loan record, and determine whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value;

When the difference between the customer's past portrait and the current portrait of the customer is greater than the preset value, the product attributes of each loan product are obtained.
The loan product matching method according to claim 5, wherein the step of determining whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value comprises:

When the difference value between the past portrait of the customer and the current portrait of the customer is less than or equal to the preset value, the record generation time of the loan record is determined, and the product attribute of the loan product launched after the record generation time is acquired.
The loan product matching method according to claim 5, wherein the step of determining whether the customer has a loan record comprises:

When the customer does not have a loan record, obtain the product attributes of each loan product.
The loan product matching method according to claim 1, wherein the step of constructing the basic information and the behavior information as a current portrait of the client comprises:

Establish a customer's personal information database, store the customer's basic information and behavior information into the customer's personal information database, and build the customer's current image based on the personal information database.
A loan product matching device, characterized in that: the loan product matching device comprises: a memory, a processor, a communication bus, and a loan product matching 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 matching program to implement the following steps:

Obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as the current portrait of the client;

Obtain the product attributes of all loan products in the preset product library;

The loan product that matches the product attributes in the preset product library with the current image of the customer is used as the matching loan product of the customer.
The loan product matching device according to claim 9, wherein all of the product attributes include an intrinsic attribute and an adjustable attribute, and the loan product that matches the product attribute in the preset product library with the current image of the customer is used as a matching of the customer. The steps to loan the product include:

Comparing the basic information in the current portrait of the customer with the intrinsic attributes of all the loan products, obtaining the loan product corresponding to the inherent attribute matching the basic information, and using the loan as an alternative loan product;

Comparing the behavior information in the current portrait of the customer with the adjustable attributes of the alternative loan product to determine the loan qualification of the customer relative to each of the alternative loan products;

According to the loan qualification, the candidate loan product with the qualification of the customer is determined, and the candidate loan product is used as the matching loan product of the customer.
The loan product matching apparatus according to claim 10, wherein said processor is configured to execute said loan product matching program after said step of using said alternative loan product as a matching loan product of a customer The following steps:

Matching each product attribute of each candidate loan product with each label of the current portrait of the customer, and counting the number of successful matching of the product attribute and the label;

Determining the maximum value of the quantity, and recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end.
The loan product matching device according to claim 11, wherein the step of recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end comprises:

Determining the customer service personnel information corresponding to the loan product, and recommending the loan product and the customer service personnel information to the loan application end.
The loan product matching device according to claim 9, wherein the step of obtaining product attributes of all loan products in the preset product library comprises:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, obtain a past portrait of the customer corresponding to the loan record, and determine whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value;

When the difference between the customer's past portrait and the current portrait of the customer is greater than the preset value, the product attributes of each loan product are obtained.
The loan product matching device according to claim 13, wherein said processor is configured to execute said loan product matching program after said step of determining whether a difference between a customer's past portrait and a current image of the customer is greater than a preset value To achieve the following steps:

When the difference value between the past portrait of the customer and the current portrait of the customer is less than or equal to the preset value, the record generation time of the loan record is determined, and the product attribute of the loan product launched after the record generation time is acquired.
The loan product matching apparatus according to claim 13, wherein said processor is operative to execute said loan product matching program after said step of determining whether said customer has a loan record, to implement the following steps:

When the customer does not have a loan record, obtain the product attributes of each loan product.
The loan product matching apparatus according to claim 9, wherein said step of constructing said basic information and behavior information as a current portrait of a client comprises:

Establish a customer's personal information database, store the customer's basic information and behavior information into the customer's personal information database, and build the customer's current image based on the personal information database.
A computer readable storage medium, characterized in that a computer product storage medium stores a loan product matching program, and the loan product matching program is executed by a processor to implement the following steps:

Obtaining basic information and behavior information of the client of the loan application end, and constructing the basic information and behavior information as the current portrait of the client;

Obtain the product attributes of all loan products in the preset product library;

The loan product that matches the product attributes in the preset product library with the current image of the customer is used as the matching loan product of the customer.
The computer readable storage medium of claim 17, wherein all of the product attributes comprise an intrinsic attribute and an adjustable attribute, and the loan product that matches the product attribute in the predetermined product library with the current image of the customer is used as the customer's The steps to match a loan product include:

Comparing the basic information in the current portrait of the customer with the intrinsic attributes of all the loan products, obtaining the loan product corresponding to the inherent attribute matching the basic information, and using the loan as an alternative loan product;

Comparing the behavior information in the current portrait of the customer with the adjustable attributes of the alternative loan product to determine the loan qualification of the customer relative to each of the alternative loan products;

According to the loan qualification, the candidate loan product with the qualification of the customer is determined, and the candidate loan product is used as the matching loan product of the customer.
The computer readable storage medium of claim 18, wherein after said step of using said alternate loan product as a customer's matching loan product, said loan product matching program is executed by a processor to achieve the following step:

Matching each product attribute of each candidate loan product with each label of the current portrait of the customer, and counting the number of successful matching of the product attribute and the label;

Determining the maximum value of the quantity, and recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end.
The computer readable storage medium according to claim 19, wherein the step of recommending the candidate loan product corresponding to the maximum value as a matching loan product of the customer to the loan application end comprises:

Determining the customer service personnel information corresponding to the loan product, and recommending the loan product and the customer service personnel information to the loan application end.
The computer readable storage medium of claim 17, wherein the step of obtaining product attributes of all loan products in the preset product library comprises:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, obtain a past portrait of the customer corresponding to the loan record, and determine whether the difference between the customer's past portrait and the current portrait of the customer is greater than a preset value;

When the difference between the customer's past portrait and the current portrait of the customer is greater than the preset value, the product attributes of each loan product are obtained.
The computer readable storage medium according to claim 21, wherein said loan product matching program is executed by a processor after said step of determining whether a difference between a customer's past portrait and a current image of the customer is greater than a preset value, To achieve the following steps:

When the difference value between the past portrait of the customer and the current portrait of the customer is less than or equal to the preset value, the record generation time of the loan record is determined, and the product attribute of the loan product launched after the record generation time is acquired.
The computer readable storage medium of claim 21, wherein said step of determining whether a customer has a loan record is performed by said processor to implement the following steps:

When the customer does not have a loan record, obtain the product attributes of each loan product.
The computer readable storage medium according to claim 17, wherein said step of constructing said basic information and behavior information as a current portrait of a client comprises:

Establish a customer's personal information database, store the customer's basic information and behavior information into the customer's personal information database, and build the customer's current image based on the personal information database.