WO2019061614A1 - Procédé de mise en correspondance de produits de prêt, appareil et support d'informations lisible par ordinateur - Google Patents

Procédé de mise en correspondance de produits de prêt, appareil et support d'informations lisible par ordinateur Download PDF

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Publication number
WO2019061614A1
WO2019061614A1 PCT/CN2017/107425 CN2017107425W WO2019061614A1 WO 2019061614 A1 WO2019061614 A1 WO 2019061614A1 CN 2017107425 W CN2017107425 W CN 2017107425W WO 2019061614 A1 WO2019061614 A1 WO 2019061614A1
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WIPO (PCT)
Prior art keywords
loan
customer
product
matching
portrait
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PCT/CN2017/107425
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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 WO2019061614A1 publication Critical patent/WO2019061614A1/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

Definitions

  • 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.
  • customers when customers have loan demand, they usually consult through online customer service or go to the store.
  • 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.
  • 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.
  • 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.
  • the present application provides a loan product matching method, and the loan product matching method includes the following steps:
  • 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.
  • all the product attributes include an intrinsic attribute and an adjustable attribute
  • 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:
  • 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 step of using the candidate loan product as a matching loan product of the customer comprises:
  • 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:
  • the step of obtaining product attributes of all loan products in the preset product library comprises:
  • 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:
  • 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 step of determining whether the customer has a loan record comprises:
  • the step of constructing the basic information and behavior information as a current portrait of the client comprises:
  • 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:
  • 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 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 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 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.
  • FIG. 1 is a schematic flow chart of a first embodiment of a loan product matching method of the present application
  • 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 application provides a loan product matching method.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan product matching method according to the present application.
  • 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.
  • 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 are constructed as customer images to represent the particularity of the customer and distinguish it from other customers.
  • the steps of constructing the basic information and behavior information as the current portrait of the client include:
  • 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.
  • the image can be represented by the image of the character.
  • 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
  • loan products are applicable to different customers.
  • the customer 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.
  • 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.
  • 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
  • life insurance policy requirements 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the basic information and behavior information of the current portrait of the customer 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.
  • the basic information of the customer's current portrait 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.
  • 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.
  • 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 is provided.
  • 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;
  • 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.
  • 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.
  • the loan product corresponding to the product attribute is determined to match the current image of the customer.
  • the product attributes of each loan product and the current image of the customer are inconsistent, that is, the degree of matching is inconsistent.
  • 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:
  • 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.
  • 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;
  • 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.
  • 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 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.
  • the method further includes:
  • 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.
  • 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.
  • 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.
  • the steps of determining whether the customer has the application record in this embodiment include:
  • step S25 when the customer does not have a loan record, the product attributes of each loan product are obtained.
  • 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.
  • the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.
  • 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.
  • 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 4
  • terminal devices such as players and portable computers.
  • 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.
  • 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).
  • 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.
  • an operating system 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.
  • the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:
  • 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.
  • all the product attributes include an intrinsic attribute and an adjustable attribute
  • 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:
  • 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 processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:
  • 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:
  • step of obtaining product attributes of all loan products in the preset product library includes:
  • the processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:
  • 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 processor 1001 is configured to execute the loan product matching program stored in the memory 1005, and implement the following steps:
  • the step of constructing the basic information and behavior information as a current portrait of the client includes:
  • 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 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.
  • all the product attributes include an intrinsic attribute and an adjustable attribute
  • 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:
  • 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.
  • step of using the candidate loan product as a matching loan product of the customer includes:
  • 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:
  • step of obtaining product attributes of all loan products in the preset product library includes:
  • the one or more programs may also be executed by one or more processors for:
  • 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 one or more programs may also be executed by one or more processors for:
  • the step of constructing the basic information and behavior information as a current portrait of the client includes:
  • 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.

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Abstract

La présente invention concerne un procédé de mise en correspondance de produits de prêt, ainsi qu'un appareil et un support d'informations lisible par ordinateur, le procédé de mise en correspondance de produits de prêt consistant : à acquérir des informations de base et des informations de comportement d'un client d'extrémité d'application de prêt, et à construire un portrait actuel du client sur la base des informations de base et des informations de comportement; à acquérir des attributs de produit de tous les produits de prêt présents dans une bibliothèque de produits prédéfinie; et à considérer un produit de prêt présent dans la bibliothèque de produits ayant un attribut de produit correspondant au portrait actuel du client comme un produit de prêt correspondant au client. La présente solution réalise une mise en correspondance de produits de prêt en fonction d'un portrait actuel de client caractérisant des caractéristiques exclusives actuelles du client et de caractéristiques de produit caractérisant des conditions d'application de produits de prêt, et étant donné que le portrait de client peut pleinement exprimer les exigences de client et les conditions d'application du client, la solution empêche une mise en correspondance subjective et incomplète par le personnel du service clients, augmentant la précision de mise en correspondance.
PCT/CN2017/107425 2017-09-29 2017-10-24 Procédé de mise en correspondance de produits de prêt, appareil et support d'informations lisible par ordinateur WO2019061614A1 (fr)

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