WO2019062192A1 - 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质 - Google Patents

业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质 Download PDF

Info

Publication number
WO2019062192A1
WO2019062192A1 PCT/CN2018/089886 CN2018089886W WO2019062192A1 WO 2019062192 A1 WO2019062192 A1 WO 2019062192A1 CN 2018089886 W CN2018089886 W CN 2018089886W WO 2019062192 A1 WO2019062192 A1 WO 2019062192A1
Authority
WO
WIPO (PCT)
Prior art keywords
salesperson
risk
risk assessment
behavior
gray list
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/089886
Other languages
English (en)
French (fr)
Inventor
李佳
袁浩
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
Original Assignee
Ping An Technology Shenzhen Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019062192A1 publication Critical patent/WO2019062192A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0635—Risk analysis of enterprise or organisation activities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of data processing technologies, and in particular, to a salesperson behavior risk screening management method, an application server, and a computer readable storage medium.
  • the salesperson may have violations, which will bring risks and losses to the company.
  • the violations of life insurance salesmen will bring high risks and high losses to the company.
  • the risk identification management has a large investment; 2.
  • the risk identification is not timely.
  • the present application provides a method for managing a behavioral risk of a salesperson, an application server, and a computer-readable storage medium, which can divide a behavior risk point of a life insurance salesperson and perform the behavior on a plurality of behavioral risk points.
  • Multi-faceted analysis finally integrates the analysis results of multiple behavioral risk points to improve the correct rate of identification of violations.
  • the present application provides an application server, where the application server includes a memory and a processor, and the memory stores a salesperson behavior risk screening management program executable on the processor,
  • the salesperson behavior risk screening management program is implemented by the processor to implement the following steps:
  • the salesperson is blacklisted and submitted to the higher-level organization to obtain the approval opinion of the superior organization on the blacklist;
  • the salesperson is processed in the relevant system according to the approval opinion.
  • the present application further provides a method for managing a behavioral risk of a clerk, which is applied to an application server, and the method includes:
  • the salesperson is blacklisted and submitted to the parent institution to obtain the approval opinion of the parent institution on the blacklist;
  • the salesperson is processed in the relevant system according to the approval opinion.
  • the present application further provides a computer readable storage medium storing a salesperson behavior risk screening management program, and the salesperson behavior risk screening management program may be at least one
  • the processor executes to cause the at least one processor to perform the steps of the clerk behavior risk discrimination management method as described above.
  • the application server, the salesperson behavior risk screening management method and the computer readable storage medium proposed by the present application firstly divide the behavior risk point of the salesperson; secondly, collect the behavior data of the salesperson; Based on the behavior data, performing a risk assessment on the salesperson to obtain a comprehensive risk assessment score; then setting a risk score threshold, and ranking a salesperson above the risk score threshold; and then placing the graylist Sending to the management personnel, so that the management personnel can audit the personnel in the gray list and obtain the inspection result; if it is determined that the salesperson has a violation behavior, the salesperson is blacklisted and submitted to the superior institution.
  • the salesperson is processed in the relevant system.
  • the life risk point of the life insurance salesperson can be divided, and the salesperson can be analyzed in multiple aspects at multiple behavior risk points, and finally the analysis results of multiple behavior risk points can be integrated to improve the correct rate of the violation behavior recognition.
  • the risk salesperson can be discovered as soon as possible. Conducting process investigation, management, and processing of risk clerk, timely handling risk clerk, preventing the spread of risk behavior and reducing company losses.
  • 1 is a schematic diagram of an optional hardware architecture of an application server of the present application
  • FIG. 2 is a schematic diagram of a program module of a first embodiment of a behavioral risk screening management program of the present invention
  • FIG. 3 is a schematic flowchart of an implementation process of a first embodiment of a behavior risk screening management method of a salesperson of the present application
  • FIG. 4 is a schematic flow chart showing an implementation process of a second embodiment of a method for managing a behavior risk of a salesperson of the present application
  • FIG. 5 is a schematic diagram of an implementation process of a third embodiment of a method for managing a behavior risk of a salesperson in the present application.
  • Application server 2 Memory 11 processor 12 Network Interface 13 Salesperson behavior risk screening management program 200 Partitioning module 201 Collection module 202 Evaluation module 203 Grey list module 204 Audit module 205 Approval module 206 Processing module 207
  • first, second and the like in the present application are for the purpose of description only, and are not to be construed as indicating or implying their relative importance or implicitly indicating the number of technical features indicated. .
  • features defining “first” and “second” may include at least one of the features, either explicitly or implicitly.
  • the technical solutions between the various embodiments may be combined with each other, but must be based on the realization of those skilled in the art, and when the combination of the technical solutions is contradictory or impossible to implement, it should be considered that the combination of the technical solutions does not exist. Nor is it within the scope of protection required by this application.
  • FIG. 1 it is a schematic diagram of an optional hardware architecture of the application server 2 of the present application.
  • the application server 2 may include, but is not limited to, the memory 11, the processor 12, and the network interface 13 being communicably connected to each other through a system bus. It is to be noted that FIG. 2 only shows the application server 2 with components 11-13, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.
  • the application server 2 may be a computing device such as a rack server, a blade server, a tower server, or a rack server.
  • the application server 2 may be an independent server or a server cluster composed of multiple servers. .
  • the memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), a static Random access memory (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like.
  • the memory 11 may be an internal storage unit of the application server 2, such as a hard disk or memory of the application server 2.
  • the memory 11 may also be an external storage device of the application server 2, such as a plug-in hard disk equipped on the application server 2, a smart memory card (SMC), and a secure digital number. (Secure Digital, SD) card, flash card, etc.
  • the memory 11 can also include both the internal storage unit of the application server 2 and its external storage device.
  • the memory 11 is generally used to store an operating system installed in the application server 2 and various types of application software, such as program codes of the IP address risk monitoring system 200. Further, the memory 11 can also be used to temporarily store various types of data that have been output or are to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments.
  • the processor 12 is typically used to control the overall operation of the application server 2.
  • the processor 12 is configured to run program code or process data stored in the memory 11, such as running the IP address risk monitoring system 200 and the like.
  • the network interface 13 may comprise a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the application server 2 and other electronic devices.
  • the behavior risk point of the salesperson is divided; the behavior data of the salesperson is collected; based on the behavior data, The salesperson performs a risk assessment to obtain a comprehensive risk assessment score; sets a risk score threshold, and grays the salesperson above the risk score threshold; sends the graylist to the manager to enable the The management personnel inspect the personnel in the gray list and obtain the audit result; if it is judged that the salesman has a violation, the salesperson is blacklisted and submitted to the superior institution to obtain the black of the superior institution.
  • the approval opinions of the personnel in the list; according to the approval opinions, the salespersons are processed in the relevant system.
  • the behavior risk points of the life insurance clerk can be divided, and the salesperson can be analyzed in multiple aspects at multiple behavior risk points, and finally the analysis results of multiple behavior risk points can be integrated to improve the correct rate of the violation behavior recognition.
  • the risk salesperson can be discovered as soon as possible. Conducting process investigation, management, and processing of risk clerk, timely handling risk clerk, preventing the spread of risk behavior and reducing company losses.
  • the present application proposes a salesperson behavior risk screening management program 200.
  • FIG. 2 it is a program module diagram of the first embodiment of the salesperson behavior risk screening management program 200 of the present application.
  • the clerk behavior risk screening management program 200 includes a series of computer program instructions stored in the memory 11, and when the computer program instructions are executed by the processor 12, the embodiments of the present application may be implemented. Salesperson behavior risk screening management operations.
  • the salesperson behavior risk screening management program 200 can be divided into one or more modules based on the particular operations implemented by the various portions of the computer program instructions. For example, in FIG.
  • the salesperson behavior risk screening management program 200 can be divided into a dividing module 201, a collecting module 202, an evaluation module 203, a gray list module 204, an auditing module 205, an approval module 206, and a processing module 207. among them:
  • the dividing module 201 is configured to divide a behavior risk point of the salesperson.
  • the dividing module 201 pre-defines a plurality of behavior risk points according to risks that may occur in the daily work process of the salesperson; and formulates corresponding identification according to each of the plurality of behavior risk points. Logic, processing flow, etc.
  • the dividing module 201 divides the behavior risk point into: a first behavior risk point, that is, a daily behavior management aspect of the salesperson; and a second behavior risk point, that is, the salesman recruitment and The aspect of assessment management; the third behavior risk point, that is, the salesperson management behavior aspect; the fourth behavior risk point, that is, the salesman's after-sales service management aspect.
  • a first behavior risk point that is, a daily behavior management aspect of the salesperson
  • a second behavior risk point that is, the salesman recruitment and The aspect of assessment management
  • the third behavior risk point that is, the salesperson management behavior aspect
  • the fourth behavior risk point that is, the salesman's after-sales service management aspect.
  • Corresponding identification logic and processing flow are set according to different behavior risk points.
  • the dividing module 201 sets a first identification logic and a first processing flow for the first behavior risk point, that is, the daily behavior management aspect of the salesperson; and the second behavior risk Point, that is, the second identification logic and the second processing flow are set in the recruitment and assessment management of the salesperson; and the third identification logic and the third processing are set in the third behavior risk point, that is, the salesperson management behavior management aspect a fourth identification logic and a fourth processing flow are set for the fourth behavior risk point, that is, the salesman after-sales service management.
  • the collecting module 202 is configured to collect behavior data of the salesperson.
  • the collection module 202 automatically collects salesperson behavior data from the relevant system according to the identification logic corresponding to the plurality of behavior risk points.
  • the behavior data includes, but is not limited to, a salesperson's personal Weibo, WeChat, life insurance underwriting system data, life insurance claims system data, and the like.
  • the evaluation module 203 is configured to perform risk assessment on the salesperson based on the behavior data to obtain a comprehensive risk assessment score.
  • the evaluation module 203 is specifically configured to:
  • the primary risk assessment scores including a primary risk assessment of the salesperson in each of the behavioral risk points fraction
  • the primary risk assessment score is comprehensively calculated to obtain a comprehensive risk assessment score.
  • the evaluation module 203 acquires the behavior data of the salesperson, and the behavior data is according to the first identification logic and the first processing flow to the fourth identification logic and the fourth processing. The process is analyzed separately. Obtaining a first primary risk assessment score under the first behavioral risk point, a second primary risk assessment score under the second behavioral risk point, and a third primary risk under the third behavioral risk point The assessment score and the fourth primary risk assessment score under the fourth behavioral risk point.
  • the evaluation module 203 performs weight setting for each of the behavior risk points, and comprehensively calculates the plurality of primary risk assessment scores to obtain a comprehensive risk assessment score.
  • the weight is 2:1:4:3.
  • the comprehensive risk assessment score 0.2 * first primary risk assessment score + 0.1 * second primary risk assessment score + 0.4 * third primary risk assessment score + 0.3 * fourth primary risk assessment score.
  • the graylisting module 204 is configured to set a risk score threshold, and graylist the salesperson above the risk score threshold.
  • the risk score threshold may be set to 60, and when the salesperson's comprehensive risk assessment score is higher than the risk score threshold, the salesperson's behavior risk is evaluated and the salesperson is listed. Graylisted.
  • the gray list may include the name of the salesperson, a job number, a department, a supervisor, the first primary risk assessment score to the fourth primary risk assessment score, and the comprehensive risk assessment. fraction.
  • the auditing module 205 is configured to send the gray list to a management personnel, so that the management personnel performs an audit on the gray list personnel and obtains an audit result.
  • the auditing module 205 is specifically configured to:
  • the preset sending condition may be set to reach a preset time point, such as 03:00 every Monday or 03:00 every day.
  • the preset sending condition may be set such that the number of clerk in the gray list reaches a preset number of people, and the number of people may be set to 5.
  • the preset sending condition may be set such that a comprehensive risk assessment score of a salesperson is higher than a preset score threshold, and the preset score threshold may be set to 85.
  • the audit result may include that the salesperson has a violation behavior, the salesperson may have a violation, and the salesperson does not have a violation. Further, the audit result may further include interview data and/or survey results.
  • the auditing module 205 sends a gray list to the management personnel, and simultaneously sends an audit result to fill in the mail to the management personnel.
  • the inquiry result filling email may include an interview area and a filling area of the survey result.
  • the approval module 206 is configured to: when the salesperson is determined to have a violation behavior, the salesperson is blacklisted and submitted to the higher-level organization to obtain the approval opinion of the superior organization on the blacklist.
  • the approval opinion may be set as a plurality of approval opinion options and selected by an upper-level organization, and the approval opinion options may include: notification criticism; warning punishment; disciplinary action; dismissal.
  • the upper-level institution may select a plurality of the approval opinion options but select at least one of the approval opinion options.
  • the processing module 207 is configured to process the salesperson in a related system according to the approval opinion.
  • the notification critic email to the salesperson is edited in the mail system and sent to the agencies.
  • the relevant administrative system performs relevant punishment on the salesperson and sends the punishment result to each institution through the mail system.
  • the salesperson behavior risk screening management program 200 proposed by the present application firstly divides the behavior risk point of the salesperson; secondly collects the behavior data of the salesperson; again based on the behavior data, The salesperson performs a risk assessment to obtain a comprehensive risk assessment score; then sets a risk score threshold, graylists the salesperson above the risk score threshold; and then sends the graylist to the manager to enable The management personnel inspects the personnel in the gray list and obtains the inspection result; if it is determined that the salesperson has a violation behavior, the salesperson is blacklisted and submitted to the superior institution to obtain the superior institution The approval opinions of the personnel in the blacklist are finally described; finally, according to the approval opinions, the salespersons are processed in the relevant system.
  • the behavior risk point of the salesperson can be divided, and the salesperson can be analyzed in multiple aspects at multiple behavior risk points, and finally the analysis results of multiple behavior risk points are integrated to improve the correct rate of the violation behavior recognition.
  • the risk salesperson can be discovered as soon as possible. Conducting process investigation, management, and processing of risk clerk, timely handling risk clerk, preventing the spread of risk behavior and reducing company losses.
  • the present application also proposes a method for managing the behavior risk of the salesperson.
  • FIG. 3 it is a schematic diagram of an implementation process of the first embodiment of the behavior risk screening management method of the salesperson of the present application.
  • the order of execution of the steps in the flowchart shown in FIG. 3 may be changed according to different requirements, and some steps may be omitted.
  • a plurality of behavior risk points are pre-defined; and corresponding identification logics, processing flows, and the like are formulated according to each of the plurality of behavior risk points.
  • the behavior risk point is divided into: a first behavior risk point, that is, a daily behavior management aspect of the salesperson; a second behavior risk point, that is, the salesperson recruitment and assessment management aspect; The behavior risk point, that is, the salesperson management behavior aspect; the fourth behavior risk point, that is, the salesman after-sales service management aspect. Corresponding identification logic and processing flow are set according to different behavior risk points.
  • a first identification logic and a first processing flow are set for the first behavior risk point, that is, the daily behavior management aspect of the salesperson; and the second behavior risk point, that is, the service Setting a second identification logic and a second processing flow for the recruitment and assessment management; setting a third identification logic and a third processing flow for the third behavior risk point, that is, the salesperson sales behavior management aspect;
  • the fourth behavior risk point, that is, the fourth identification logic and the fourth processing flow are set in the salesman after-sales management.
  • Step S402 collecting behavior data of the salesperson.
  • the salesperson behavior data is automatically collected to the relevant system according to the identification logic corresponding to the plurality of behavior risk points.
  • the behavior data includes, but is not limited to, a salesperson's personal Weibo, WeChat, life insurance underwriting system data, life insurance claims system data, and the like.
  • Step S403 performing risk assessment on the salesperson based on the behavior data to obtain a comprehensive risk assessment score.
  • Step S404 setting a risk score threshold, and ranking the salesperson above the risk score threshold into a gray list.
  • the risk score threshold may be set to 60, and when the salesperson's comprehensive risk assessment score is higher than the risk score threshold, the salesperson's behavior risk is evaluated and the salesperson is listed. Graylisted.
  • the gray list may include the name of the salesperson, a job number, a department, a supervisor, the first primary risk assessment score to the fourth primary risk assessment score, and the comprehensive risk assessment. fraction.
  • Step S405 the method is configured to send the gray list to an administrator, so that the management personnel inspects the personnel in the gray list, and obtains an audit result.
  • Step S406 When it is determined that the salesperson has a violation behavior, the salesperson is blacklisted and submitted to the superior organization to obtain the approval opinion of the superior organization on the blacklist.
  • the approval opinion may be set as a plurality of approval opinion options and selected by an upper-level organization, and the approval opinion options may include: notification criticism; warning punishment; disciplinary action; dismissal.
  • the upper-level institution may select a plurality of the approval opinion options but select at least one of the approval opinion options.
  • Step S407 is configured to process the salesperson in the related system according to the approval opinion.
  • the notification critic email to the salesperson is edited in the mail system and sent to the agencies.
  • the relevant administrative system performs relevant punishment on the salesperson and sends the punishment result to each institution through the mail system.
  • the salesperson behavior risk screening management method proposed by the present application firstly divides the behavior risk point of the salesperson; secondly collects the behavior data of the salesperson; and again based on the behavior data, The salesperson performs a risk assessment to obtain a comprehensive risk assessment score; then sets a risk score threshold to gray out the salesperson above the risk score threshold; then sends the greylist to the manager to The management personnel inspect the personnel in the gray list and obtain the audit result; if it is judged that the salesman has a violation, the salesperson is blacklisted and submitted to the superior institution to obtain the black of the superior institution. The approval opinions of the personnel in the list; finally, according to the approval opinions, the salespersons are processed in the relevant system.
  • the behavior risk point of the salesperson can be divided, and the salesperson can be analyzed in multiple aspects at multiple behavior risk points, and finally the analysis results of multiple behavior risk points are integrated to improve the correct rate of the violation behavior recognition.
  • the risk salesperson can be discovered as soon as possible. Conducting process investigation, management, and processing of risk clerk, timely handling risk clerk, preventing the spread of risk behavior and reducing company losses.
  • FIG. 4 it is a schematic diagram of the implementation process of the second embodiment of the behavior risk screening management method of the salesperson of the present application.
  • the order of execution of the steps in the flowchart shown in FIG. 4 may be changed according to different requirements, and some steps may be omitted.
  • the specific steps of obtaining the comprehensive risk assessment score include:
  • Step S501 acquiring behavior data of the salesperson
  • Step S502 performing risk assessment on the salesperson at each of the behavior risk points, respectively, to obtain a plurality of primary risk assessment scores, where the plurality of primary risk assessment scores include the salesperson in each of the behavior risk points.
  • Primary risk assessment score ;
  • Step S503 performing comprehensive calculation on the primary risk assessment score to obtain a comprehensive risk assessment score.
  • the behavior data of the salesperson is first acquired, and the behavior data is separately analyzed according to the first identification logic and the first processing flow to the fourth identification logic and the fourth processing flow. .
  • a weighting is set for each of the behavioral risk points, and the plurality of primary risk assessment scores are comprehensively calculated to obtain a comprehensive risk assessment score.
  • the weight is 2:1:4:3.
  • the comprehensive risk assessment score 0.2 * first primary risk assessment score + 0.1 * second primary risk assessment score + 0.4 * third primary risk assessment score + 0.3 * fourth primary risk assessment score.
  • FIG. 5 it is a schematic diagram of the implementation process of the third embodiment of the behavior risk screening management method of the salesperson of the present application.
  • the order of execution of the steps in the flowchart shown in FIG. 5 may be changed according to different requirements, and some steps may be omitted.
  • the specific step of sending the gray list to the management personnel and obtaining the audit result includes:
  • Step S601 determining whether the preset sending condition is met
  • the preset sending condition may be set to reach a preset time point, such as 03:00 every Monday or 03:00 every day.
  • the preset sending condition may be set such that the number of clerk in the gray list reaches a preset number of people, and the number of people may be set to 5.
  • the preset sending condition may be set such that a comprehensive risk assessment score of a salesperson is higher than a preset score threshold, and the preset score threshold may be set to 85.
  • Step S602 when the preset sending condition is met, sending the gray list to the management personnel, so that the management personnel perform an audit on the gray list personnel, where the checking manner includes an interview and/or survey;
  • Step S603 obtaining an inspection result of the management personnel on the person in the gray list.
  • the audit result may include that the salesperson has a violation behavior, the salesperson may have a violation, and the salesperson does not have a violation. Further, the audit result may further include interview data and/or survey results.
  • the graylist is sent to the management personnel, and the audit result is sent to the management personnel.
  • the inquiry result filling email may include an interview area and a filling area of the survey result.
  • 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, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Human Resources & Organizations (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Educational Administration (AREA)
  • Technology Law (AREA)
  • Game Theory and Decision Science (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

一种业务员行为风险甄别管理方法，所述方法包括：划分业务员的行为风险点(S401)；收集所述业务员的行为数据(S402)；基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数(S403)；设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单(S404)；将所述灰名单发送至管理人员，并获取处理结果(S405)；若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见(S406)；根据所述审批意见，在相关系统中对所述业务员进行处理(S407)。上述业务员行为风险甄别管理方法，可以及时识别风险业务员并进行处理、防止扩散、降低公司损失。

Description

业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质
本申请要求于2017年9月30日提交中国专利局，申请号为201710916188.8、发明名称为“业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及数据处理技术领域，尤其涉及业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质。
背景技术
业务员在日常工作过程中，可能存在违规行为，这些违规行为会给公司带来风险和损失。尤其是寿险行业，寿险业务员的违规行为会给公司带来很高的风险及高额的损失。且目前业内尚没有比较好的对寿险业务员违规行为进行自动收集、甄别、管理的机制。如今，主要靠管理人员人为关注业务员日常行为，或者风险已发生造成损失，才能发现风险点。因此必然存在如下问题：1、风险识别管理人力投入大；2、风险识别不及时。现缺少一种自动收集寿险业务员的行为数据，并进行准确风险识别的系统。
发明内容
有鉴于此，本申请提出一种业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质可以通过对寿险业务员的行为风险点划分，并在多个行为风险点对所述业务员进行多方面分析，最终综合多个行为风险点的分析结果，提高违规行为识别的正确率。通过对业务员行为进行自动收集、识别，能尽快发现风险业务员。对风险业务员进行流程化调查、管理、处理，能及时对风险业务员进行处理，防止风险行为的扩散，降低公司损失。
首先，为实现上述目的，本申请提出一种应用服务器，所述应用服务器包括存储器、处理器，所述存储器上存储有可在所述处理器上运行的业务员行为风险甄别管理程序，所述业务员行为风险甄别管理程序被所述处理器执行时实现如下步骤：
划分业务员的行为风险点；
收集所述业务员的行为数据；
基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；
设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；
将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；
若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上 级机构，以得到上级机构对所述黑名单内人员的审批意见；及
根据所述审批意见，在相关系统中对所述业务员进行处理。
此外，为实现上述目的，本申请还提供一种业务员行为风险甄别管理方法，该方法应用于应用服务器，所述方法包括：
划分业务员的行为风险点；
收集所述业务员的行为数据；
基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；
设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；
将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；
若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；及
根据所述审批意见，在相关系统中对所述业务员进行处理。
进一步地，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质存储有业务员行为风险甄别管理程序，所述业务员行为风险甄别管理程序可被至少一个处理器执行，以使所述至少一个处理器执行如上述的业务员行为风险甄别管理方法的步骤。
相较于现有技术，本申请所提出的应用服务器、业务员行为风险甄别管理方法及计算机可读存储介质，首先，划分业务员的行为风险点；其次收集所述业务员的行为数据；再次基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；然后设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；然后将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；最后根据所述审批意见，在相关系统中对所述业务员进行处理。这样，可以通过对寿险业务员的行为风险点划分，并在多个行为风险点对所述业务员进行多方面分析，最终综合多个行为风险点的分析结果，提高违规行为识别的正确率。通过对业务员行为进行自动收集、识别，能尽快发现风险业务员。对风险业务员进行流程化调查、管理、处理，能及时对风险业务员进行处理，防止风险行为的扩散，降低公司损失。
附图说明
图1是本申请应用服务器一可选的硬件架构的示意图；
图2是本申请业务员行为风险甄别管理程序第一实施例的程序模块示意图；
图3是本申请业务员行为风险甄别管理方法第一实施例的实施流程示意图；
图4为本申请业务员行为风险甄别管理方法第二实施例的实施流程示意 图；
图5为本申请业务员行为风险甄别管理方法第三实施例的实施流程示意图。
附图标记：
应用服务器 2
存储器 11
处理器 12
网络接口 13
业务员行为风险甄别管理程序 200
划分模块 201
收集模块 202
评估模块 203
灰名单模块 204
稽查模块 205
审批模块 206
处理模块 207
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实 现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1所示，是本申请应用服务器2一可选的硬件架构的示意图。
本实施例中，所述应用服务器2可包括，但不仅限于，可通过系统总线相互通信连接存储器11、处理器12、网络接口13。需要指出的是，图2仅示出了具有组件11-13的应用服务器2，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，所述应用服务器2可以是机架式服务器、刀片式服务器、塔式服务器或机柜式服务器等计算设备，该应用服务器2可以是独立的服务器，也可以是多个服务器所组成的服务器集群。
所述存储器11至少包括一种类型的可读存储介质，所述可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等。在一些实施例中，所述存储器11可以是所述应用服务器2的内部存储单元，例如该应用服务器2的硬盘或内存。在另一些实施例中，所述存储器11也可以是所述应用服务器2的外部存储设备，例如该应用服务器2上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。当然，所述存储器11还可以既包括所述应用服务器2的内部存储单元也包括其外部存储设备。本实施例中，所述存储器11通常用于存储安装于所述应用服务器2的操作系统和各类应用软件，例如IP地址风险监测系统200的程序代码等。此外，所述存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
所述处理器12在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器12通常用于控制所述应用服务器2的总体操作。本实施例中，所述处理器12用于运行所述存储器11中存储的程序代码或者处理数据，例如运行所述的IP地址风险监测系统200等。
所述网络接口13可包括无线网络接口或有线网络接口，该网络接口13通常用于在所述应用服务器2与其他电子设备之间建立通信连接。
本实施例中，当所述应用服务器2内安装并运行有业务员行为风险甄别管理程序200时，划分业务员的行为风险点；收集所述业务员的行为数据；基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；根据所述审批意见，在相关系统中对所述业务员进行处理。这样，可以通过对寿 险业务员的行为风险点划分，并在多个行为风险点对所述业务员进行多方面分析，最终综合多个行为风险点的分析结果，提高违规行为识别的正确率。通过对业务员行为进行自动收集、识别，能尽快发现风险业务员。对风险业务员进行流程化调查、管理、处理，能及时对风险业务员进行处理，防止风险行为的扩散，降低公司损失。
至此，己经详细介绍了本申请相关设备的硬件结构和功能。下面，将基于上述介绍提出本申请的各个实施例。
首先，本申请提出一种业务员行为风险甄别管理程序200。
参阅图2所示，是本申请业务员行为风险甄别管理程序200第一实施例的程序模块图。本实施例中，所述的业务员行为风险甄别管理程序200包括一系列的存储于存储器11上的计算机程序指令，当该计算机程序指令被处理器12执行时，可以实现本申请各实施例的业务员行为风险甄别管理操作。在一些实施例中，基于该计算机程序指令各部分所实现的特定的操作，业务员行为风险甄别管理程序200可以被划分为一个或多个模块。例如，在图3中，所述业务员行为风险甄别管理程序200可以被分割成划分模块201、收集模块202、评估模块203、灰名单模块204、稽查模块205、审批模块206及处理模块207。其中：
所述划分模块201，用于划分业务员的行为风险点。
在本实施例中，所述划分模块201会根据业务员日常工作过程中可能出现的风险，预先划分出若干行为风险点；并根据所述若干行为风险点中每一个行为风险点制定相应的识别逻辑、处理流程等。
在一优选实施例中，所述划分模块201将所述行为风险点划分为：第一行为风险点，即所述业务员日常行为管理方面；第二行为风险点，即所述业务员招募及考核管理方面；第三行为风险点，即所述业务员销售行为管理方面；第四行为风险点，即所述业务员售后服务管理方面。根据不同的行为风险点设置相对应的识别逻辑、处理流程。
在另一优选实施例中，所述划分模块201将对所述第一行为风险点，即所述业务员日常行为管理方面设置第一识别逻辑及第一处理流程；对所述第二行为风险点，即所述业务员招募及考核管理方面设置第二识别逻辑及第二处理流程；对所述第三行为风险点，即所述业务员销售行为管理方面设置第三识别逻辑及第三处理流程；对所述第四行为风险点，即所述业务员售后服务管理方面设置第四识别逻辑及第四处理流程。
所述收集模块202，用于收集所述业务员的行为数据。
在本实施例中，所述收集模块202根据所述若干行为风险点对应的识别逻辑，自动到相关系统收集业务员行为数据。所述行为数据包括但不限于：业务员个人的微博、微信，寿险核保系统数据，寿险理赔系统数据等。
所述评估模块203，用于基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数。
在本实施例中，所述评估模块203具体用于：
获取所述业务员的行为数据；
分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
在一优选实施例中，所述评估模块203获取所述业务员的行为数据，并将所述行为数据按照所述第一识别逻辑及第一处理流程至所述第四识别逻辑及第四处理流程分别进行分析。以得到在所述第一行为风险点下的第一初级风险评估分数、在所述第二行为风险点下的第二初级风险评估分数、在所述第三行为风险点下的第三初级风险评估分数及在所述第四行为风险点下的第四初级风险评估分数。
所述评估模块203对每一所述行为风险点进行权值设置，并对所述若干初级风险评估分数进行综合计算，以得到综合风险评估分数。
在一实施例中，若设置所述第一初级风险评估分数至所述第四初级风险评估分数的权值为2:1:4:3。所述综合风险评估分数＝0.2*第一初级风险评估分数+0.1*第二初级风险评估分数+0.4*第三初级风险评估分数+0.3*第四初级风险评估分数。
所述灰名单模块204，用于设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单。
在一实施例中，所述风险分数阈值可以设置为60，当所述业务员的综合风险评估分数高于所述风险分数阈值时，评估所述业务员行为风险较高并将该业务员列入灰名单。
在一实施例中，所述灰名单可以包括所述业务员的姓名，工号，部门，上级主管、所述第一初级风险评估分数至所述第四初级风险评估分数及所述综合风险评估分数。
所述稽查模块205，用于将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果。
在一实施例中，所述稽查模块205具体用于：
判断是否满足预设发送条件；
在一实施例中，所述预设发送条件可以设置为达到一预设时间点，比如每周一03:00或者每天的03:00。
在另一实施例中，所述预设发送条件可以设置为，所述灰名单内的业务员数目达到一预设人数阈值，所述人数阈值可以设置为5人。
在另一实施例中，所述预设发送条件可以设置为，所述灰名单内存在一个业务员的综合风险评估分数高于一预设分数阈值，所述预设分数阈值可以设置为85。
当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行稽查，所述稽查方式包括约谈和/或调查；
获取所述管理人员对所述灰名单内人员的稽查结果。
在一实施例中，所述稽查结果可以包括所述业务员存在违规行为、所述业务员可能存在违规行为及所述业务员不存在违规行为。进一步的，所述稽查结果还可以包括约谈数据和/或调查结果。
在本实施例中，所述稽查模块205会发送灰名单至所述管理人员，并同时发送稽查结果填写邮件至所述管理人员。其中，所述稽查结果填写邮件可以包括约谈数据及调查结果的填写区域。
所述审批模块206，用于当判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见。
在一实施例中，所述审批意见可以设置为多个审批意见选项并由上层机构进行选择，所述审批意见选项可以包括：通报批评；警告处分；记过处分；撤职处分。其中，上层机构可以选择多个所述审批意见选项但至少选择一个所述审批意见选项。
所述处理模块207，用于根据所述审批意见，在相关系统中对所述业务员进行处理。
在一实施例中，若所述处理意见为通报批评，则在邮件系统中编辑对所述业务员的通报批评邮件并发送至各机构。
在一实施例中，若所述处理意见为警告、处分、撤职等行政处罚，则在相关行政系统对所述业务员进行相关处罚并通过邮件系统将处罚结果发送至各机构。
通过上述程序模块201-207，本申请所提出的业务员行为风险甄别管理程序200，首先，划分业务员的行为风险点；其次收集所述业务员的行为数据；再次基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；然后设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；然后将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；最后根据所述审批意见，在相关系统中对所述业务员进行处理。这样，可以通过对业务员的行为风险点划分，并在多个行为风险点对所述业务员进行多方面分析，最终综合多个行为风险点的分析结果，提高违规行为识别的正确率。通过对业务员行为进行自动收集、识别，能尽快发现风险业务员。对风险业务员进行流程化调查、管理、处理，能及时对风险业务员进行处理，防止风险行为的扩散，降低公司损失。
此外，本申请还提出一种业务员行为风险甄别管理方法。
参阅图3所示，是本申请业务员行为风险甄别管理方法第一实施例的实施流程示意图。在本实施例中，根据不同的需求，图3所示的流程图中的步骤的执行顺序可以改变，某些步骤可以省略。
S401，划分业务员的行为风险点。
在本实施例中，根据业务员日常工作过程中可能出现的风险，预先划分出若干行为风险点；并根据所述若干行为风险点中每一个行为风险点制定相应的识别逻辑、处理流程等。
在一优选实施例中，所述行为风险点划分为：第一行为风险点，即所述业务员日常行为管理方面；第二行为风险点，即所述业务员招募及考核管理方面；第三行为风险点，即所述业务员销售行为管理方面；第四行为风险点，即所述业务员售后服务管理方面。根据不同的行为风险点设置相对应的识别逻辑、处理流程。
在另一优选实施例中，对所述第一行为风险点，即所述业务员日常行为管理方面设置第一识别逻辑及第一处理流程；对所述第二行为风险点，即所述业务员招募及考核管理方面设置第二识别逻辑及第二处理流程；对所述第三行为风险点，即所述业务员销售行为管理方面设置第三识别逻辑及第三处理流程；对所述第四行为风险点，即所述业务员售后服务管理方面设置第四识别逻辑及第四处理流程。
步骤S402，收集所述业务员的行为数据。
在本实施例中，根据所述若干行为风险点对应的识别逻辑，自动到相关系统收集业务员行为数据。所述行为数据包括但不限于：业务员个人的微博、微信，寿险核保系统数据，寿险理赔系统数据等。
步骤S403，基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数。
具体地，所述得到综合风险评估分数的具体步骤将在本申请业务员行为风险甄别管理方法第二实施例(图5)进行详述。
步骤S404，设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单。
在一实施例中，所述风险分数阈值可以设置为60，当所述业务员的综合风险评估分数高于所述风险分数阈值时，评估所述业务员行为风险较高并将该业务员列入灰名单。
在一实施例中，所述灰名单可以包括所述业务员的姓名，工号，部门，上级主管、所述第一初级风险评估分数至所述第四初级风险评估分数及所述综合风险评估分数。
步骤S405，用于将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果。
具体地，所述将所述灰名单发送至管理人员并获取稽查结果的具体步骤将在本申请业务员行为风险甄别管理方法第三实施例(图6)进行详述
步骤S406，当判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见。
在一实施例中，所述审批意见可以设置为多个审批意见选项并由上层机构进行选择，所述审批意见选项可以包括：通报批评；警告处分；记过处分； 撤职处分。其中，上层机构可以选择多个所述审批意见选项但至少选择一个所述审批意见选项。
步骤S407，用于根据所述审批意见，在相关系统中对所述业务员进行处理。
在一实施例中，若所述处理意见为通报批评，则在邮件系统中编辑对所述业务员的通报批评邮件并发送至各机构。
在一实施例中，若所述处理意见为警告、处分、撤职等行政处罚，则在相关行政系统对所述业务员进行相关处罚并通过邮件系统将处罚结果发送至各机构。
通过上述步骤S401-407，本申请所提出的业务员行为风险甄别管理方法，首先，划分业务员的行为风险点；其次收集所述业务员的行为数据；再次基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；然后设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；然后将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；最后根据所述审批意见，在相关系统中对所述业务员进行处理。这样，可以通过对业务员的行为风险点划分，并在多个行为风险点对所述业务员进行多方面分析，最终综合多个行为风险点的分析结果，提高违规行为识别的正确率。通过对业务员行为进行自动收集、识别，能尽快发现风险业务员。对风险业务员进行流程化调查、管理、处理，能及时对风险业务员进行处理，防止风险行为的扩散，降低公司损失。
参阅图4所示，是本申请业务员行为风险甄别管理方法第二实施例的实施流程示意图。在本实施例中，根据不同的需求，图4所示的流程图中的步骤的执行顺序可以改变，某些步骤可以省略。
在本实施例中，所述得到综合风险评估分数的具体步骤，具体包括：
步骤S501，获取所述业务员的行为数据；
步骤S502，分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
步骤S503，对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
在一优选实施例中，先获取所述业务员的行为数据，并将所述行为数据按照所述第一识别逻辑及第一处理流程至所述第四识别逻辑及第四处理流程分别进行分析。以得到在所述第一行为风险点下的第一初级风险评估分数、在所述第二行为风险点下的第二初级风险评估分数、在所述第三行为风险点下的第三初级风险评估分数及在所述第四行为风险点下的第四初级风险评估分数。
对每一所述行为风险点进行权值设置，并对所述若干初级风险评估分数进行综合计算，以得到综合风险评估分数。
在一实施例中，若设置所述第一初级风险评估分数至所述第四初级风险评估分数的权值为2:1:4:3。所述综合风险评估分数＝0.2*第一初级风险评估分数+0.1*第二初级风险评估分数+0.4*第三初级风险评估分数+0.3*第四初级风险评估分数。
参阅图5所示，是本申请业务员行为风险甄别管理方法第三实施例的实施流程示意图。在本实施例中，根据不同的需求，图5所示的流程图中的步骤的执行顺序可以改变，某些步骤可以省略。
在本实施例中，所述将所述灰名单发送至管理人员并获取稽查结果的具体步骤，具体包括：
步骤S601，判断是否满足预设发送条件；
在一实施例中，所述预设发送条件可以设置为达到一预设时间点，比如每周一03:00或者每天的03:00。
在另一实施例中，所述预设发送条件可以设置为，所述灰名单内的业务员数目达到一预设人数阈值，所述人数阈值可以设置为5人。
在另一实施例中，所述预设发送条件可以设置为，所述灰名单内存在一个业务员的综合风险评估分数高于一预设分数阈值，所述预设分数阈值可以设置为85。
步骤S602，当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行稽查，所述稽查方式包括约谈和/或调查；
步骤S603，获取所述管理人员对所述灰名单内人员的稽查结果。
在一实施例中，所述稽查结果可以包括所述业务员存在违规行为、所述业务员可能存在违规行为及所述业务员不存在违规行为。进一步的，所述稽查结果还可以包括约谈数据和/或调查结果。
在本实施例中，发送灰名单至所述管理人员，并同时发送稽查结果填写邮件至所述管理人员。其中，所述稽查结果填写邮件可以包括约谈数据及调查结果的填写区域。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种业务员行为风险甄别管理方法，应用于应用服务器，其特征在于，所述方法包括：
    划分业务员的行为风险点；
    收集所述业务员的行为数据；
    基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；
    设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；
    将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；
    若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；及
    根据所述审批意见，在相关系统中对所述业务员进行处理。
  2. 如权利要求1所述的业务员行为风险甄别管理方法，其特征在于，所述划分业务员行为风险点的步骤还包括：
    根据业务员日常工作过程中可能出现的风险，预先划分出若干行为风险点；
    根据所述若干行为风险点中每一个行为风险点制定相应的识别逻辑、处理流程。
  3. 如权利要求1所述的业务员行为风险甄别管理方法，其特征在于，所述基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤还包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  4. 如权利要求2所述的业务员行为风险甄别管理方法，其特征在于，所述基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤还包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  5. 如权利要求1所述的业务员行为风险甄别管理方法，其特征在于，所述将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果的步骤还包括：
    判断是否满足预设发送条件；
    当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行稽查，所述稽查方式包括约谈和/或调查；
    获取所述管理人员对所述灰名单内人员的稽查结果，所述稽查结果包括约谈数据和/或调查结果。
  6. 如权利要求2-4任一项所述的业务员行为风险甄别管理方法，其特征在于，所述将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果的步骤还包括：
    判断是否满足预设发送条件；
    当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行稽查，所述稽查方式包括约谈和/或调查；
    获取所述管理人员对所述灰名单内人员的稽查结果，所述稽查结果包括约谈数据和/或调查结果。
  7. 根据权利要求2所述的业务员行为风险甄别管理方法，其特征在于，所述根据所述审批意见，在相关系统中对所述业务员进行处理的步骤还包括：
    若所述处理意见为通报批评，则在邮件系统中编辑对所述业务员的通报批评邮件并发送至各机构；
    若所述处理意见为警告、处分、撤职等行政处罚，则在相关行政系统对所述业务员进行相关处罚并通过邮件系统将处罚结果发送至各机构。
  8. 一种应用服务器，其特征在于，所述应用服务器包括存储器、处理器，所述存储器上存储有可在所述处理器上运行的业务员行为风险甄别管理程序，所述业务员行为风险甄别管理程序被所述处理器执行时实现如下步骤：
    划分业务员的行为风险点；
    收集所述业务员的行为数据；
    基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；
    设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；
    将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；
    若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；及
    根据所述审批意见，在相关系统中对所述业务员进行处理。
  9. 如权利要求8所述的应用服务器，其特征在于，所述划分业务员行为风险点的步骤，具体包括：
    根据业务员日常工作过程中可能出现的风险，预先划分出若干行为风险点；
    根据所述若干行为风险点中每一个行为风险点制定相应的识别逻辑、处理流程。
  10. 如权利要求8所述的应用服务器，其特征在于，所述基于所述行为数 据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤，具体包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  11. 如权利要求9所述的应用服务器，其特征在于，所述基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤，具体包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  12. 如权利要求8所述的应用服务器，其特征在于，所述将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果的步骤，具体包括：
    判断是否满足预设发送条件；
    当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行处理，所述处理方式包括约谈和/或调查，警告处分、记过处分、撤职处分等；
    获取所述管理人员对所述灰名单内人员的处理结果，所述处理结果包括约谈数据和/或调查结果。
  13. 如权利要求9-11任一项所述的应用服务器，其特征在于，所述将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果的步骤，具体包括：
    判断是否满足预设发送条件；
    当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行处理，所述处理方式包括约谈和/或调查，警告处分、记过处分、撤职处分等；
    获取所述管理人员对所述灰名单内人员的处理结果，所述处理结果包括约谈数据和/或调查结果。
  14. 如权利要求9所述的应用服务器，其特征在于，所述根据所述审批意见，在相关系统中对所述业务员进行处理的步骤还包括：
    若所述处理意见为通报批评，则在邮件系统中编辑对所述业务员的通报批评邮件并发送至各机构；
    若所述处理意见为警告、处分、撤职等行政处罚，则在相关行政系统对所述业务员进行相关处罚并通过邮件系统将处罚结果发送至各机构。
  15. 一种计算机可读存储介质，所述计算机可读存储介质存储有业务员行为风险甄别管理程序，所述业务员行为风险甄别管理程序可被至少一个处理器执行，以使所述至少一个处理器执行如下步骤：
    划分业务员的行为风险点；
    收集所述业务员的行为数据；
    基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数；
    设置风险分数阈值，将高于所述风险分数阈值的业务员列入灰名单；
    将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果；
    若判断所述业务员存在违规行为，将所述业务员列入黑名单并提交至上级机构，以得到上级机构对所述黑名单内人员的审批意见；及
    根据所述审批意见，在相关系统中对所述业务员进行处理。
  16. 如权利要求15所述的计算机可读存储介质，其特征在于，所述划分业务员行为风险点的步骤，具体包括：
    根据业务员日常工作过程中可能出现的风险，预先划分出若干行为风险点；
    根据所述若干行为风险点中每一个行为风险点制定相应的识别逻辑、处理流程。
  17. 如权利要求15所述的计算机可读存储介质，其特征在于，所述基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤，具体包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  18. 如权利要求16所述的计算机可读存储介质，其特征在于，所述基于所述行为数据，对所述业务员进行风险评估，以得到综合风险评估分数的步骤，具体包括：
    获取所述业务员的行为数据；
    分别在每一个所述行为风险点对所述业务员进行风险评估，得到若干初级风险评估分数，所述若干初级风险评估分数包括所述业务员在每一所述行为风险点中的初级风险评估分数；
    对所述初级风险评估分数进行综合计算，得到综合风险评估分数。
  19. 如权利要求15-18任一项所述的计算机可读存储介质，其特征在于，所述将所述灰名单发送至管理人员，以使所述管理人员对所述灰名单内人员进行稽查，并获取稽查结果的步骤，具体包括：
    判断是否满足预设发送条件；
    当满足所述预设发送条件时，发送所述灰名单至所述管理人员，以使所述管理人员对所述灰名单内人员进行处理，所述处理方式包括约谈和/或调查，警告处分、记过处分、撤职处分等；
    获取所述管理人员对所述灰名单内人员的处理结果，所述处理结果包括约谈数据和/或调查结果。
  20. 如权利要求16所述的计算机可读存储介质，其特征在于，所述根据所述审批意见，在相关系统中对所述业务员进行处理的步骤还包括：
    若所述处理意见为通报批评，则在邮件系统中编辑对所述业务员的通报批评邮件并发送至各机构；
    若所述处理意见为警告、处分、撤职等行政处罚，则在相关行政系统对所述业务员进行相关处罚并通过邮件系统将处罚结果发送至各机构。
PCT/CN2018/089886 2017-09-30 2018-06-05 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质 Ceased WO2019062192A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710916188.8 2017-09-30
CN201710916188.8A CN107871203A (zh) 2017-09-30 2017-09-30 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质

Publications (1)

Publication Number Publication Date
WO2019062192A1 true WO2019062192A1 (zh) 2019-04-04

Family

ID=61752486

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/089886 Ceased WO2019062192A1 (zh) 2017-09-30 2018-06-05 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质

Country Status (2)

Country Link
CN (1) CN107871203A (zh)
WO (1) WO2019062192A1 (zh)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107871203A (zh) * 2017-09-30 2018-04-03 平安科技（深圳）有限公司 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质
CN109409641A (zh) * 2018-09-03 2019-03-01 平安科技（深圳）有限公司 风险评价方法、装置、计算机设备和存储介质
CN109840693A (zh) * 2019-01-04 2019-06-04 平安科技（深圳）有限公司 坐席行为安全监控方法、装置、计算机设备及存储介质
CN110570097B (zh) * 2019-08-15 2024-09-03 中国平安人寿保险股份有限公司 基于大数据的业务人员风险识别方法、装置及存储介质
CN111383150B (zh) * 2020-03-04 2023-08-22 青岛海信网络科技股份有限公司 一种用于交通警务违规行为的识别监管方法和装置

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130179314A1 (en) * 2005-03-24 2013-07-11 Accenture Global Services Limited Risk Based Data Assessment
CN103577905A (zh) * 2012-07-23 2014-02-12 深圳中兴网信科技有限公司 一种信息安全的审计方法及系统
CN103824148A (zh) * 2013-08-29 2014-05-28 国家电网公司 电力营销风险预警方法及系统
CN106203817A (zh) * 2016-07-06 2016-12-07 佛山市恒南微科技有限公司 一种客服绩效考核方法
CN107871203A (zh) * 2017-09-30 2018-04-03 平安科技（深圳）有限公司 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101425926A (zh) * 2008-10-08 2009-05-06 北京赛尔汇力安全科技有限公司 基于信用评估的网络秩序调控方法
CN102495942B (zh) * 2011-10-26 2014-09-17 深信服网络科技（深圳）有限公司 一种组织内部网络风险评估方法及系统
CN102622552A (zh) * 2012-04-12 2012-08-01 焦点科技股份有限公司 一种基于数据挖掘的b2b平台欺诈访问的检测方法和系统
CN110009372B (zh) * 2012-08-03 2023-08-18 创新先进技术有限公司 一种用户风险识别方法和装置
CN103714479A (zh) * 2012-10-09 2014-04-09 四川欧润特软件科技有限公司 银行个人业务欺诈行为实时智能化集中监控的方法和系统
CN103955787A (zh) * 2014-04-04 2014-07-30 广州辰鹏信息科技有限公司 一种税务风险管控系统
CN106485378A (zh) * 2015-08-26 2017-03-08 平安科技（深圳）有限公司 业务数据的传输方法、系统和服务器
US20170061345A1 (en) * 2015-08-27 2017-03-02 ClearForce LLC Systems and methods for electronically monitoring employees to determine potential risk
CN105205624A (zh) * 2015-10-29 2015-12-30 云南电网有限责任公司昆明供电局 企业廉洁风险监控系统

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130179314A1 (en) * 2005-03-24 2013-07-11 Accenture Global Services Limited Risk Based Data Assessment
CN103577905A (zh) * 2012-07-23 2014-02-12 深圳中兴网信科技有限公司 一种信息安全的审计方法及系统
CN103824148A (zh) * 2013-08-29 2014-05-28 国家电网公司 电力营销风险预警方法及系统
CN106203817A (zh) * 2016-07-06 2016-12-07 佛山市恒南微科技有限公司 一种客服绩效考核方法
CN107871203A (zh) * 2017-09-30 2018-04-03 平安科技（深圳）有限公司 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质

Also Published As

Publication number Publication date
CN107871203A (zh) 2018-04-03

Similar Documents

Publication Publication Date Title
CN111128399B (zh) 一种基于人流密度的流行病疫情风险等级评估方法
CN108449327B (zh) 一种账号清理方法、装置、终端设备及存储介质
WO2019062192A1 (zh) 业务员行为风险甄别管理方法、应用服务器及计算机可读存储介质
CN104412283B (zh) 用于控制供应链的方法和系统
US11386224B2 (en) Method and system for managing personal digital identifiers of a user in a plurality of data elements
CN108416506B (zh) 客户风险等级管理方法、服务器及计算机可读存储介质
US9923917B2 (en) System and method for automatic calculation of cyber-risk in business-critical applications
CN112348371B (zh) 云资产的安全风险评估方法、装置、设备、及存储介质
US10257228B2 (en) System and method for real time detection and prevention of segregation of duties violations in business-critical applications
US20110166926A1 (en) Evaluating Online Marketing Efficiency
CN111460312A (zh) 空壳企业识别方法、装置及计算机设备
WO2019041859A1 (zh) 监察信息处理方法、装置、服务器和存储介质
CN111914408B (zh) 面向威胁建模的信息处理方法、系统及电子设备
CN113553583A (zh) 信息系统资产安全风险评估方法与装置
CN110502531A (zh) 报表数据校验方法、装置、计算机设备和存储介质
CN110008979A (zh) 异常数据预测方法、装置、电子设备及计算机存储介质
WO2019104982A1 (zh) 考勤综合管控方法、应用服务器及计算机可读存储介质
US20160267602A1 (en) System for generating historical hail evaluation data
CN110516836A (zh) 基于大数据的智能预警方法、装置、设备及存储介质
CN111582754A (zh) 风险排查方法、装置、设备及计算机可读存储介质
CN113723522B (zh) 异常用户的识别方法、装置、电子设备以及存储介质
CN111798246A (zh) 一种金融风险等级评估方法和装置
US20240020408A1 (en) Masking compliance measurement system
CN115967613A (zh) 一种自适应性页面拨测告警方法、装置、设备及存储介质
US20250088542A1 (en) Data set and algorithm validation, bias characterization, and valuation

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18861313

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 22/09/2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18861313

Country of ref document: EP

Kind code of ref document: A1