WO2019153486A1

WO2019153486A1 - Customer risk assessment method, apparatus and device, and computer-readable storage medium

Info

Publication number: WO2019153486A1
Application number: PCT/CN2018/082675
Authority: WO
Inventors: 凌永辉
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-02-07
Filing date: 2018-04-11
Publication date: 2019-08-15
Also published as: CN108335198A

Abstract

Disclosed are a customer risk assessment method, apparatus and device, and a computer-readable storage medium. The method comprises: obtaining customer account information corresponding to an assessment request upon receipt of the assessment request sent by a customer account; determining, according to the customer account information corresponding to the assessment request, the corresponding target assessment test from a preset assessment test library, and outputting the target assessment test to a terminal corresponding to the customer account for carrying out customer risk assessment; and receiving an assessment response sent by the customer account on the basis of the target assessment test, and generating a customer risk assessment result according to the assessment response. According to the solution, an assessment request is sent by means of a terminal corresponding to a customer account for carrying out customer risk assessment so as to avoid an on-site assessment of a financial institution and save the waiting time of a customer and staff input of the financial institution. Moreover, a target assessment test for the customer risk assessment is determined according to the customer account information so that the target assessment test is more purposeful and the accuracy of the customer risk assessment result is improved.

Description

Customer risk assessment method, device, device and computer readable storage medium

This application claims priority to Chinese Patent Application No. 201101131910.1, entitled "Customer Risk Assessment Method, Apparatus, Equipment, and Computer Readable Storage Media", filed on February 7, 2018, the entire contents of which are incorporated herein by reference. It is incorporated in the application by reference.

Technical field

The present application relates to the technical field of financial risk control systems, and in particular to a method, device, device and computer readable storage medium for customer risk assessment.

Background technique

At present, with the development of financial institutions, customers need to conduct customer risk assessment when they conduct business in financial institutions, such as purchasing wealth management products and applying for loans. However, financial institutions' assessment of customers' risks requires customers to go to the counters of financial institutions for evaluation. When the number of customers is large, on the one hand, the customer's queue time is too long, and the customer experience is poor, which may lead to customer loss; Staff members who need more financial institutions evaluate customer risks and increase the labor costs of financial institutions.

Summary of the invention

The main purpose of the present application is to provide a customer risk assessment method, device, device and computer readable storage medium, aiming at solving the problem of customer risk assessment in the prior art at the financial institution, causing the customer to wait a long time and increase the cost of the financial institution. The problem.

To achieve the above objective, the present application provides a customer risk assessment method, and the customer risk assessment method includes the following steps:

When receiving the evaluation request sent by the customer account, obtaining the customer account information corresponding to the evaluation request;

According to the customer account information corresponding to the evaluation request, the corresponding target evaluation test question is determined from the preset evaluation test question database, and the target evaluation test question is output to the corresponding terminal of the customer account to perform the customer risk assessment;

The customer customer account is sent based on the evaluation answer sent by the target evaluation test, and the customer risk assessment result is generated according to the evaluation answer.

In addition, in order to achieve the above object, the present application further provides a customer risk assessment device, where the customer risk assessment device includes:

The obtaining module is configured to obtain, when receiving the evaluation request sent by the client account, the customer account information corresponding to the evaluation request;

a determining module, configured to determine, according to the customer account information corresponding to the evaluation request, a corresponding target evaluation test question from the preset evaluation test question database, and output a target evaluation test question to the customer account information corresponding terminal to perform the customer risk assessment;

The generating module is configured to receive the evaluation answer sent by the customer account based on the target evaluation test question, and generate a customer risk assessment result according to the evaluation answer.

In addition, in order to achieve the above object, the present application further provides a customer risk assessment device, the customer risk assessment device comprising: a memory, a processor, a communication bus, and a customer risk assessment 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 customer risk assessment 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 customer risk assessment method, device, device and computer readable storage medium of the embodiment, when receiving the evaluation request sent by the customer account, obtain the customer account information corresponding to the evaluation request; and according to the received evaluation request Corresponding customer account information, determining corresponding target evaluation test questions from each preset test question bank; outputting the determined target test questions to the customer account information corresponding terminal for customer account risk assessment; receiving customer account based output The evaluation answer sent by the target evaluation test questions, and the customer risk assessment result is generated based on the evaluation answer. The program sends the evaluation request through the corresponding terminal of the customer account to conduct customer risk assessment, avoiding the customer's evaluation on the financial institution's site, saving the customer's waiting time and the investment of the financial institution; in addition, the target evaluation test for the customer risk assessment is based on the customer. The determination of the account information can make the target assessment test more targeted and improve the accuracy of the customer risk assessment results.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a customer risk assessment method of the present application;

2 is a schematic flow chart of a second embodiment of a customer risk assessment method of the present application;

3 is a schematic flow chart of a third embodiment of a customer risk assessment method of the present application;

4 is a schematic diagram of functional modules of a first embodiment of a customer risk assessment apparatus of the present application;

FIG. 5 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 method for customer risk assessment.

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

Step S10: When receiving the evaluation request sent by the client account, acquiring customer account information corresponding to the evaluation request;

The customer risk assessment of this application applies to VTM (Video Teller) Machine, Remote Video Teller Machine, conducts risk assessments for financial institution clients. Customers who have business contacts with financial institutions register their client accounts with financial institutions, including business transactions, purchase of wealth management products, application for loans, and savings. When a client conducts a business such as purchasing a wealth management product or applying for a loan at a financial institution, the financial institution needs to evaluate the risk of the customer. For customers who purchase wealth management products, they can judge the types of risks that the customer can bear according to the results obtained from the evaluation, such as low risk, medium risk or high risk, so as to more accurately recommend wealth management products to customers. For the customer who applies for the loan, the customer's subsequent repayment ability is judged based on the results obtained from the evaluation, and the customer's application loan qualification is determined. Specifically, the financial institution arranges the VTM in each region, and the customer logs in to the VTM system through its account. The display interface of the VTM system displays a virtual option for applying for customer risk assessment, and the customer triggers the evaluation by clicking or double clicking the virtual option. request. The evaluation request is triggered by the customer logging in to the account, so that when the evaluation request sent by the customer account is received, the customer account information corresponding to the evaluation request can be obtained. The steps for obtaining customer account information include:

Step S11, when receiving the evaluation request sent by the client account, prompting to input the identity information corresponding to the client account for verification;

Obviously, in order to prevent the client account from being subjected to malicious risk assessment, when receiving the evaluation request sent by the logged-in customer account, prompting to input the identity information corresponding to the login client account to perform the identity of the client who sent the evaluation request verification. The prompting manner may be that the display interface of the VTM system is displayed in the form of a dialog box, or may be outputted in a voice manner to prompt the customer to input the identity information for verification.

Step S12: When receiving the identity information corresponding to the client account, matching the identity information with the registration identity information bound by the client account;

Further, when the account is registered, the client needs to bind the identity information, so that when the identity information corresponding to the client account is received, and the identity authentication is required, the received identity information and the registered identity of the client account are bound. Information is matched. The received identity information may be identity document information, the VTM is equipped with a scanning location of the identity document or an input device, and the identity document is placed in the scanning position for scanning to read the identity document information or inputting the identity document information through the input device. The identity information obtained or input is the received identity information corresponding to the customer account. When the identity information corresponding to the client account is received, the registration identity information corresponding to the client account is determined, and the two are matched to determine whether the received identity information and the registration identity information are consistent. In addition, the identity verification can also be performed by means of identity document information and face recognition, reading the face image in the identity document information, and scanning the face image information of the person who is operating on the VTM machine, and the face image to be read. Match the scanned face image information to determine whether the person who is operating is consistent with the person in the identity document information.

Step S13: After the identity information and the registration identity information bound to the client account are successfully matched, the client account information corresponding to the identity information is obtained.

Further, when the received identity information and the registered identity information are consistent or the person who is operating is consistent with the person in the identity document information, the client identity verification for sending the evaluation request is successful. After the identity information of the identity document and the registration identity information bound to the client account are successfully matched, and the identity of the client sending the evaluation request is determined to be normal, the client account information corresponding to the identity information is obtained. Customer account information includes customer basic information and customer financial information. The customer basic information includes customer age, gender, job type, working years, etc. Customer financial information includes customer income, total assets, asset flow, liabilities, credit, and existing The purchase of wealth management products/insurance products, the profit and loss of wealth management products, etc.; to measure customer risk based on such customer account information.

Step S20, according to the customer account information corresponding to the evaluation request, determine a corresponding target evaluation test question from the preset evaluation test question database, and output a target evaluation test question to the customer account information corresponding terminal to perform the customer risk evaluation.

Understandably, in order to make the customer risk assessment more targeted, the financial system can set different evaluation questions for different business types. For example, for the wealth management business, there are three sets of evaluation questions A1, A2 and A3, and the loan business is set. B1, B2 and B3 three sets of test questions, this a variety of different test questions together form a test test bank. The specific use of the test questions in the test question bank for customer risk assessment is determined by the type of business. The business type is reflected in the customer risk assessment by the type of assessment. For example, the wealth management business is reflected in the assessment type a, and the loan business is reflected in the assessment type. b. At the same time, the evaluation type is determined when the customer account triggers the evaluation request, that is, the customer selects the evaluation type through the customer account to trigger the evaluation request. In addition, considering different customer accounts with the same evaluation type requirements, because different customer accounts correspond to different customer account information, if the same evaluation questions of the same evaluation type are used for customer risk assessment, the evaluation questions are not very targeted. For example, the customer accounts m and n need to perform the customer risk assessment of the evaluation type b, wherein the customer account m has the customer account information indicating that it has a mortgage, and the customer account has no account loan in the account information. If the evaluation type b has only one set of test questions, and the set of test questions includes questions about the mortgage, if m and n both use the test questions, then for n, you need to answer the information that is not related to it, and the test questions are targeted. Weak, reducing the user experience. Therefore, in this embodiment, multiple sets of evaluation questions are set for different customer account information of the same evaluation type requirement, so as to determine, according to the evaluation type corresponding to the evaluation request and the customer account information, corresponding to the evaluation type and the customer account information from the preset test question database. The target evaluation test questions, and the determined target evaluation test questions are output to the customer account corresponding terminal for the customer to answer the displayed target test questions based on the customer account, and perform customer risk assessment.

Step S30, receiving a measurement response sent by the customer account based on the target evaluation test question, and generating a customer risk evaluation result according to the evaluation answer.

After the customer answers the displayed target test questions based on the customer account, the evaluation answer is sent to the VTM system. The target evaluation test questions contain multiple questions. The sending operation can be sent in real time after each question is answered, or all questions can be sent uniformly after the answer is completed. There is no restriction on this. The VTM system receives the evaluation response sent by the customer account based on the target test question, and generates a customer risk evaluation result according to the received evaluation answer. The VTM system sets scores for each question of each question in the test question bank, and each question score is different. It is used to characterize the impact of each question on the customer risk assessment results. The degree is high or low. For example, if the evaluation type is the target test of the loan business, the problem of the number of overdue customers is included, and the options for the answer include 0 times, 1~3 times, 3~5 times, 5 times or more, because the number of overdue customers is more The worse the customer's credit is, the higher the score is set for the answer in this question, and the lower score is set for the answer more than 5 times, so that the score of this question is less when the number of times the customer overdue is high. Calculate the scores of the evaluation responses sent by the customers, accumulate the scores of each question in the target test questions, and obtain the total score of the target test questions. The VTM system matches the different scores of the target scores of the different test types for the target test questions. For example, the target test score of the loan business matches the high risk type below 60 points, the score is between 60 and 80 points, and the score is above 80 points. After the total score of the customer account evaluation answer is obtained, the total score and the risk type are matched to determine the risk type and generate the customer risk assessment result.

The customer risk assessment method of the embodiment, when receiving the evaluation request sent by the customer account, obtains the customer account information corresponding to the evaluation request; and according to the customer account information corresponding to the received evaluation request, The corresponding test questions are determined in the test test library; the determined target test questions are output to the customer account information corresponding terminal for the customer account to perform the customer risk assessment; and the customer account is sent based on the output target test questions sent by the test answer, Generate customer risk assessment results based on this assessment response. The program sends the evaluation request through the corresponding terminal of the customer account to conduct customer risk assessment, avoiding the customer's evaluation on the financial institution's site, saving the customer's waiting time and the investment of the financial institution; in addition, the target evaluation test for the customer risk assessment is based on the customer. The determination of the account information can make the target assessment test more targeted and improve the accuracy of the customer risk assessment results.

Further, based on the first embodiment of the customer risk assessment method of the present application, a second embodiment of the customer risk assessment method of the present application is proposed. In the second embodiment, the receiving customer account is based on the evaluation answer sent by the target assessment test. And the steps to generate customer risk assessment results based on the assessment responses include:

Step S31, when receiving the evaluation response of the customer account for each question in the target evaluation test question, determining the information corresponding to each question in the customer account information;

Understandably, when a customer answers a target evaluation question based on a customer account, there may be a phenomenon of forgetting about his or her own information, data, etc., such as an answer to the number of overdue questions, the customer may not know much about the number of overdue questions. So that there is a random answer. In order to avoid the occurrence of such a phenomenon, the present embodiment is provided with a mechanism for checking the evaluation answer of the customer through the customer account information. The customer account information is a record of various operational actions of the financial institution on the customer account and the basic information of the customer, and has the characteristics of authenticity, so that the customer account information is used to check the evaluation answer, and the score of the evaluation answer can be more accurate. When the customer account receives the evaluation response of each question in the target evaluation test question, the corresponding information with each question is determined from the customer account information, and the evaluation answer is checked by the corresponding information.

Step S32, matching the evaluation answers of each question according to the information corresponding to each question in the customer account information, generating a matching degree level, and determining a rating of each question evaluation answer according to the matching degree level;

After determining the corresponding information of each question in the customer account information, the corresponding information is matched with the evaluation answer of each question to generate a matching degree level of each question, and the matching degree level is used to represent the matching degree of the evaluation answer and the corresponding information. For example, the questions of the target test questions include age, occupation and monthly income. The customer's evaluation of the three questions is 28, clerk and 4000; and the corresponding information of the customer account information and these three questions is 28, clerk. And 3800; matching the corresponding information of the three questions with the evaluation answers of the three questions to generate a matching level. Because the problem age and occupation are completely matched, the matching degree is the highest, and the problem monthly income is not completely matched, but the difference is not big, so the matching level is determined to be second only to the highest level. The specific matching degree level may be determined according to the percentage difference between the corresponding information and the evaluation answer. When the percentage difference is large, the difference between the corresponding information and the evaluation answer is large, and the matching degree level may be set to be lower, and the percentage difference is smaller. It indicates that the difference between the corresponding information and the evaluation response is small, and the matching degree level can be set to be high. The evaluation answers of each question are set with their own scores. After the matching degree level is generated, the scores obtained by the evaluation questions of each question are scored according to the matching degree level. For the above three questions about age, occupation and monthly income, the score between ages 20 and 30 is 5 points, the score between 30 and 50 is 8 points, and the score between 50 and 65 is 5 points. The professional clerk has a score of 3, the civil servant has a score of 10, and the R&D staff has a score of 8; the monthly income between 3000 and 5000 has a score of 3, and the score is between 5000 and 10000. The value is 5 points, and the score of 10000 to 15000 is 10 points. Because the evaluation answers for the three questions are 28, clerk and 4000, the corresponding scores are 5 points, 3 points and 3 points respectively. When the evaluation answer and the corresponding information are matched, the evaluation answer of the age and occupation is completely matched with the corresponding information, so that when the score obtained by the score is scored according to the matching degree level, it is still 5 points and 3 points; Monthly income, because the corresponding information and the evaluation answer are inconsistent, when the score is scored according to the matching degree level, the score needs to be reduced. For example, the score is reduced from 3 points to 2 points, and each level is determined according to the matching degree level. The score of the question assessment is answered to make the score of the assessment answer more accurate.

In step S33, the scores of the evaluation questions of the questions in the target evaluation questions are integrated, and the customer risk evaluation result of the target evaluation questions is generated.

Further, after the scores of the evaluation questions of the respective questions are determined according to the matching degree level, the scores of the evaluation questions of the questions in the target evaluation questions are integrated, and the cumulative operation is performed, and the obtained value is the total score obtained by the target test questions. The total score obtained is matched with the risk type to determine the type of risk, and the customer risk assessment result of the target evaluation test is generated. If the risk type is a high risk type, the generated customer risk assessment result is high risk.

Further, based on the first embodiment of the customer risk assessment method of the present application, a third embodiment of the customer risk assessment method of the present application is proposed. In the third embodiment, the receiving customer account is based on the evaluation answer sent by the target assessment test. And the steps to generate customer risk assessment results based on the assessment responses include:

Step S34, when receiving the evaluation response of the customer account for each question in the target evaluation test question, determining each single answer time consumed by the evaluation answer of each question;

Further, when the customer answers the target evaluation test question based on the customer account, there is an appropriate range of answer time, and if the evaluation time for each question is too long or too short, there may be an abnormal phenomenon. The target evaluation test questions are used for customer risk assessment. The questions should be related to the customer information. If the evaluation response is too long, it means that the customer information is unfamiliar, and may be fraudulently used for customer risk assessment. The time is too short, and it is too late to read the content of the question, which means that the customer risk assessment is more casual and may be maliciously evaluated for others. In order to avoid the occurrence of such a phenomenon, the present embodiment is provided with a mechanism for correcting the score of the customer's evaluation answer by a single answer time of each question. When receiving the evaluation response of each question in the target test question of the customer account, determining the time of each single answer taken by the evaluation answer of each question, that is, the time spent answering each question in the target test question, wherein the single answer time is received by The time interval between the two questions is determined, and for the first question, it is determined by the time interval between outputting the target evaluation test question to the corresponding terminal of the customer account and receiving the evaluation answer.

Step S35, comparing each individual answer time with a preset answer time of the corresponding question, and determining a score of each question evaluation answer;

Further, in order to judge the length of each individual answering time, a preset answering time is preset for each question, and the preset answering time is comprehensively determined in consideration of the reading time, the thinking time, and the answering time applicable to the public. After determining the individual answering time spent on the evaluation answer of each question, the individual answering time is compared with the preset answering time of the corresponding question, and the score of the evaluation answer of each question is determined according to the result obtained by the comparison. When the single answer time is within the preset answer time range of the corresponding question, it indicates that the answer time is normal, and the score of the evaluation answer is not corrected. The score of each question evaluation answer is the score of the evaluation answer itself. When the single answer time is outside the preset answer time range, it indicates that the answer time is abnormal, then the score of the evaluation answer needs to be corrected according to the comparison result, and the score of each question evaluation answer is determined. The size of the correction can be determined according to the percentage difference between the single answer time and the preset answer time of the corresponding question. When the percentage difference is large, the difference between the single answer time and the preset answer time is large, and a larger correction value can be set. , and the percentage difference is small, indicating that the difference between the single answer time and the preset answer time is small, and a smaller correction value can be set. For the three questions of k1, k2, and k3, the scores of the customer evaluation answers are 8 points, 5 points, and 10 points respectively, and the time of the answer for detecting the evaluation of k1 is within the preset answer time range, k2 The answer time of the evaluation answer is less than the preset answer time, and the answer time of the evaluation answer of k3 is greater than the preset answer time. According to the comparison result, the score of the evaluation answer of each question is corrected. Correct the score of the evaluation answer of k1 to 8 points, that is, the score is the same as the original score; correct the score of the score of k2 to 4 points, that is, the score is smaller than the original score; the answer to the answer due to the evaluation of k3 The time is greater than the preset answer time, and the score score of k3 is corrected to 7 points, that is, the score is smaller than the original score, and the answer to each question is determined according to the comparison between the single answer time and the preset answer time. Rating to make the score of the assessment answer more accurate.

In step S36, the scores of the evaluation questions of the questions in the target evaluation questions are integrated, and the customer risk evaluation result of the target evaluation questions is generated.

Further, after determining the scores of the evaluation questions of each question according to the comparison between the single answer time and the preset answer time, the scores of the evaluation questions of the questions in the target test questions are integrated, and the accumulating operation is performed, and the obtained value is the target test. The total score obtained from the test questions. The total score obtained is matched with the risk type to determine the type of risk, and the customer risk assessment result of the target evaluation test is generated. If the risk type is a high risk type, the generated customer risk assessment result is high risk.

It should be noted that the third embodiment can be implemented in combination with the second embodiment. Specifically, after determining the score of each question evaluation answer according to the matching degree level, the rating is further based on the answer time of each question and the corresponding question. The preset answer time comparison result is scored twice, and the score determined by the matching level is corrected to make the score of the evaluation answer more accurate.

Further, in another embodiment of the client risk assessment method of the present application, the step of determining a corresponding target assessment test question from the preset evaluation test question database according to the customer account information corresponding to the evaluation request includes:

Step S21, determining a type of evaluation corresponding to the evaluation request, and determining, from the preset evaluation question database, each intermediate preset evaluation question corresponding to the evaluation type;

Further, in order to facilitate the customer to select the type of service for which risk assessment is required, the display interface of the VTM system is provided with an evaluation type option that reflects the service type, such as the evaluation type of the wealth management service and the evaluation type of the loan business. The customer can trigger the evaluation request by selecting the evaluation type, so that when the evaluation request is received, the evaluation type corresponding to the evaluation request can be determined. In order to evaluate the customer risk, multiple sets of test questions are pre-set for different types of evaluation, and each test result forms a preset test question bank. After determining the type of evaluation corresponding to the test request, it is determined from the preset test question bank. Each test question corresponding to the type of evaluation, the corresponding test questions are used as intermediate preset test questions. The intermediate preset test questions are test questions used for customer risk assessment of a certain type of assessment, such as intermediate preset test questions p1, p2 and p3 for evaluation type p; intermediate preset test questions for evaluation type q Q1, q2 and q3, etc.

In step S22, the customer account information is matched with each intermediate preset test question one by one, and the matching degree between the client account information and each intermediate preset test question is determined, and the target test question is determined according to the matching degree.

Further, in order to make each customer risk assessment more targeted, after determining the intermediate preset evaluation questions corresponding to the evaluation type, the customer account information is matched with each intermediate preset evaluation test one by one, and the customer account information and each are determined. The degree of conformity of the scope of application of the intermediate pre-tested test questions, the degree of conformity is the matching degree between the customer account information and the intermediate preset test questions. When the degree of conformity between the customer account information and the applicable scope of the intermediate preset test questions is more consistent, the higher the matching degree, the less the corresponding degree of conformity between the two, the lower the matching degree. The higher the matching degree between the two, the more accurate the risk assessment of the customer by the intermediate preset test questions, so that the intermediate preset test questions can be used as the target test questions of the customer account, that is, the target test questions are determined according to the matching degree, so that the customer risk The accuracy of the assessment is higher.

Further, referring to FIG. 2, based on the first, second or third embodiment of the customer risk assessment method of the present application, a fourth embodiment of the customer risk assessment method of the present application is proposed. In the fourth embodiment, The steps to generate customer risk assessment results based on the assessment response are followed by:

Step S40, after generating the evaluation result according to the evaluation answer, calling the monitoring video captured in the customer risk assessment process, and verifying the validity of the customer risk assessment result according to the monitoring video;

Understandably, in the process of customer risk assessment, there may be interference from external factors, affecting the results of customer risk assessment, such as providing answers to the assessment questions to improve the scores of the target assessment questions, so that the generated customer risk assessment results are not correct. In order to make the generated customer risk assessment results true and effective, a monitoring device is set up to monitor and monitor the customer risk assessment process when conducting customer risk assessment. After generating the customer risk assessment result, the monitoring video taken during the risk assessment process is invoked to verify the validity of the customer risk assessment result according to the monitoring video, wherein the verification operation may be performed by a financial institution's manual agent or VTM. The system automatically checks. The VTM system communicates with the monitoring device. If the verification is performed by the manual agent, after the customer risk assessment result is generated, the manual agent triggers the call instruction, and the monitoring video call is displayed on the terminal interface corresponding to the manual agent, and the manual evaluation process is performed in the customer evaluation process. Whether there is interference from external factors, such as talking with other people in the outside world, there are multiple people at the assessment site. If it is automatically verified by the VTM system, after detecting the generation of the customer risk assessment result, the monitoring video is automatically invoked, and the image processing and identification technology is used to determine whether there are multiple persons in the video, or to talk with other outsiders, that is, whether there is an outside world. The interference of factors enables the verification of the validity of the generated customer risk assessment results by monitoring video.

Step S50, if the validity of the customer risk assessment result is successfully verified, the customer risk assessment is completed;

Further, when the effectiveness of the customer risk assessment result is verified by the monitoring video to determine whether there is no external factor interference in the customer risk assessment process, the validity of the customer risk assessment result can be determined to be successful. Therefore, the customer risk assessment is completed, and the customer risk assessment result is sent to each system of the financial institution. When the financial institution's systems subsequently have the need to evaluate the customer's risk, the customer risk assessment result issued by the customer can be directly used. Avoid repeated customer risk assessment of each system and improve business processing efficiency.

In step S60, if the validity verification of the customer risk assessment result fails, the prompt information of the customer risk assessment failure is output.

Further, if the validity of the customer risk assessment result is verified by the monitoring video to determine the interference of external factors in the customer risk assessment process, the validity verification of the customer risk assessment result may be determined to be unsuccessful. Therefore, the prompt information of the failure of the customer risk assessment is outputted, and the prompt information may be in the form of text display, picture display or voice, and the content includes the reason for the failure of the evaluation, for example, there are multiple personnel in the evaluation process, so that the customer knows that the evaluation fails according to the prompt information. The reason is to conduct customer risk assessment again.

Further, referring to FIG. 3, based on the first, second, third or fourth embodiment of the customer risk assessment method of the present application, a fifth embodiment of the customer risk assessment method of the present application is proposed. In the fifth embodiment, The step of obtaining the customer account information corresponding to the evaluation request when receiving the evaluation request sent by the client account includes:

Step S70, when detecting that the customer account attribute is a newly registered account, jumping to the display interface of the customer risk assessment to guide the customer account to send the evaluation request, and performing customer risk assessment;

Further, the customer risk assessment may be directed to a newly registered account at the financial institution, the customer logs into the VTM system through his new registered account, and when detecting that the registered customer account attribute is a newly registered account, then jumps to the customer risk assessment. The display interface guides the newly registered customer account to send a measurement request for customer risk assessment.

Alternatively, when it is detected that the customer account is a registered account that has not performed the customer risk assessment, the prompt information for performing the customer risk assessment operation is output.

Further, the customer risk assessment can also be directed to an old customer who has registered an account with a financial institution, and the customer logs into the VTM system through his account, and further detects when the customer account attribute of the login is detected as a registered account. Whether the customer risk assessment has been carried out, if the customer risk assessment is carried out, it will not be processed. When the customer risk assessment has not been performed, the prompt information is output to prompt the registered account that has not performed the customer risk assessment to perform the customer risk assessment operation, and the registered account can perform the customer risk assessment according to the prompt information.

In addition, referring to FIG. 4, the present application provides a customer risk assessment apparatus. In the first embodiment of the customer risk assessment apparatus of the present application, the customer risk assessment apparatus includes:

The obtaining module 10 is configured to obtain, when receiving the evaluation request sent by the client account, the customer account information corresponding to the evaluation request;

The determining module 20 is configured to determine, according to the customer account information corresponding to the evaluation request, a corresponding target evaluation test question from the preset evaluation test question database, and output a target evaluation test question to the customer account information corresponding terminal to perform the customer risk assessment;

The generating module 30 is configured to receive the evaluation answer sent by the customer account based on the target evaluation test question, and generate a customer risk assessment result according to the evaluation answer.

Specifically, the obtaining module 10 may include:

The prompting sub-module is configured to prompt to input the identity information corresponding to the client account for verification when receiving the evaluation request sent by the client account;

a matching submodule, configured to match the identity information with the registration identity information bound to the client account when receiving the identity information corresponding to the client account;

The obtaining sub-module is configured to obtain the customer account information corresponding to the identity information after the identity information and the registration identity information bound to the client account are successfully matched.

The customer risk assessment device of the embodiment obtains the customer account information corresponding to the evaluation request by the obtaining module 10 when receiving the evaluation request sent by the customer account; the determining module 20 is based on the customer account corresponding to the receiving the evaluation request. Information, determining corresponding target evaluation test questions from each preset evaluation test question bank; and outputting the determined target test questions to the customer account information corresponding terminal for customer risk evaluation; the generating module 30 receiving the customer account based output The evaluation answer sent by the target evaluation test questions, and the customer risk assessment result is generated based on the evaluation answer. The program sends the evaluation request through the corresponding terminal of the customer account to conduct customer risk assessment, avoiding the customer's evaluation on the financial institution's site, saving the customer's waiting time and the investment of the financial institution; in addition, the target evaluation test for the customer risk assessment is based on the customer. The determination of the account information can make the target assessment test more targeted and improve the accuracy of the customer risk assessment results.

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. 5, FIG. 5 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 customer risk assessment device in the embodiment of the present application may be a PC, or may be a terminal device such as a smart phone, a tablet computer, an e-book reader, or a portable computer.

As shown in FIG. 5, the customer risk assessment device can 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 customer risk assessment 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 customer risk assessment device structure shown in FIG. 5 does not constitute a limitation on the customer risk assessment device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.

As shown in FIG. 5, an operating system, a network communication module, and a customer risk assessment program may be included in the memory 1005 as a computer storage medium. The operating system is a program that manages and controls the hardware and software resources of the customer risk assessment equipment, and supports the operation of the customer risk assessment program and other software and/or programs. The network communication module is used to implement communication between components within the memory 1005 and with other hardware and software in the customer risk assessment device.

In the customer risk assessment device shown in FIG. 5, the processor 1001 is configured to execute the customer risk assessment program stored in the memory 1005, and implement the steps in the foregoing embodiments of the customer risk assessment method.

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 implementing the above Customer risk assessment method steps in various embodiments.

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 includes other elements not explicitly listed, or elements that are inherent to such a process, method, article, 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 customer risk assessment method, characterized in that the customer risk assessment method comprises the following steps:

When receiving the evaluation request sent by the customer account, obtaining the customer account information corresponding to the evaluation request;

According to the customer account information corresponding to the evaluation request, the corresponding target evaluation test question is determined from the preset evaluation test question database, and the target evaluation test question is output to the corresponding terminal of the customer account to perform the customer risk assessment;

The customer customer account is sent based on the evaluation answer sent by the target evaluation test, and the customer risk assessment result is generated according to the evaluation answer.
The customer risk assessment method according to claim 1, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account to each question in the target evaluation test question, determining the information corresponding to each question in the customer account information;

According to the information corresponding to each question in the customer account information, the evaluation answers of each question are matched, a matching degree level is generated, and the score of each question evaluation answer is determined according to the matching degree level;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The customer risk assessment method according to claim 1, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account for each question in the target evaluation test question, determining the individual answer time spent by the evaluation answer of each question;

Compare each individual answer time with the preset answer time of the corresponding question to determine the score of each question evaluation answer;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The customer risk assessment method according to claim 1, wherein the step of determining a corresponding target assessment test question from the preset evaluation test question database according to the customer account information corresponding to the evaluation request comprises:

Determining the type of evaluation corresponding to the evaluation request, and determining each intermediate preset evaluation question corresponding to the type of evaluation from the preset evaluation question database;

The customer account information is matched with each intermediate preset test question one by one, and the matching degree between the customer account information and each intermediate preset test question is determined, and the target test question is determined according to the matching degree.
The customer risk assessment method according to claim 1, wherein the step of generating a customer risk assessment result according to the evaluation response comprises:

After generating the evaluation result according to the evaluation answer, the monitoring video taken during the customer risk assessment process is invoked, and the validity of the customer risk assessment result is verified according to the monitoring video;

If the validity of the customer risk assessment results is verified successfully, the customer risk assessment is completed;

If the validity of the customer risk assessment result fails, the prompt information of the customer risk assessment failure is output.
The customer risk assessment method according to claim 1, wherein the step of obtaining the customer account information corresponding to the evaluation request when receiving the evaluation request sent by the customer account comprises:

When receiving the evaluation request sent by the customer account, prompting to input the identity information corresponding to the customer account for verification;

When the identity information corresponding to the client account is received, the identity information is matched with the registration identity information bound by the client account;

After the identity information and the registration identity information bound to the client account are successfully matched, the client account information corresponding to the identity information is obtained.
The customer risk assessment method according to claim 6, wherein the step of obtaining the customer account information corresponding to the evaluation request when receiving the evaluation request sent by the customer account comprises:

When it is detected that the customer account attribute is a newly registered account, the user jumps to the display interface of the customer risk assessment to guide the customer account to send a measurement request, and conducts customer risk assessment;

Alternatively, when it is detected that the customer account is a registered account that has not performed the customer risk assessment, the prompt information for performing the customer risk assessment operation is output.
A customer risk assessment device, characterized in that the customer risk assessment device comprises:

The obtaining module is configured to obtain, when receiving the evaluation request sent by the client account, the customer account information corresponding to the evaluation request;

a determining module, configured to determine, according to the customer account information corresponding to the evaluation request, a corresponding target evaluation test question from the preset evaluation test question database, and output a target evaluation test question to the customer account information corresponding terminal to perform the customer risk assessment;

The generating module is configured to receive the evaluation answer sent by the customer account based on the target evaluation test question, and generate a customer risk assessment result according to the evaluation answer.
A customer risk assessment device, characterized in that the customer risk assessment device comprises: a memory, a processor, a communication bus, and a customer risk assessment 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 customer risk assessment program to implement the following steps:

When receiving the evaluation request sent by the customer account, obtaining the customer account information corresponding to the evaluation request;

According to the customer account information corresponding to the evaluation request, the corresponding target evaluation test question is determined from the preset evaluation test question database, and the target evaluation test question is output to the corresponding terminal of the customer account to perform the customer risk assessment;

The customer customer account is sent based on the evaluation answer sent by the target evaluation test, and the customer risk assessment result is generated according to the evaluation answer.
The customer risk assessment apparatus according to claim 9, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account to each question in the target evaluation test question, determining the information corresponding to each question in the customer account information;

According to the information corresponding to each question in the customer account information, the evaluation answers of each question are matched, a matching degree level is generated, and the score of each question evaluation answer is determined according to the matching degree level;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The customer risk assessment apparatus according to claim 9, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account for each question in the target evaluation test question, determining the individual answer time spent by the evaluation answer of each question;

Compare each individual answer time with the preset answer time of the corresponding question to determine the score of each question evaluation answer;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The customer risk assessment device according to claim 9, wherein the step of determining a corresponding target assessment test question from the preset evaluation test question database according to the customer account information corresponding to the evaluation request comprises:

Determining the type of evaluation corresponding to the evaluation request, and determining each intermediate preset evaluation question corresponding to the type of evaluation from the preset evaluation question database;

The customer account information is matched with each intermediate preset test question one by one, and the matching degree between the customer account information and each intermediate preset test question is determined, and the target test question is determined according to the matching degree.
The customer risk assessment device according to claim 9, wherein the step of generating a customer risk assessment result according to the evaluation response comprises:

After generating the evaluation result according to the evaluation answer, the monitoring video taken during the customer risk assessment process is invoked, and the validity of the customer risk assessment result is verified according to the monitoring video;

If the validity of the customer risk assessment results is verified successfully, the customer risk assessment is completed;

If the validity of the customer risk assessment result fails, the prompt information of the customer risk assessment failure is output.
The customer risk assessment device according to claim 9, wherein the step of obtaining the customer account information corresponding to the evaluation request when receiving the evaluation request sent by the customer account comprises:

When receiving the evaluation request sent by the customer account, prompting to input the identity information corresponding to the customer account for verification;

When the identity information corresponding to the client account is received, the identity information is matched with the registration identity information bound by the client account;

After the identity information and the registration identity information bound to the client account are successfully matched, the client account information corresponding to the identity information is obtained.
A computer readable storage medium, wherein the computer learning storage medium stores a customer risk assessment program, and the customer risk assessment program is executed by a processor to implement the following steps:

When receiving the evaluation request sent by the customer account, obtaining the customer account information corresponding to the evaluation request;

According to the customer account information corresponding to the evaluation request, the corresponding target evaluation test question is determined from the preset evaluation test question database, and the target evaluation test question is output to the corresponding terminal of the customer account to perform the customer risk assessment;

The customer customer account is sent based on the evaluation answer sent by the target evaluation test, and the customer risk assessment result is generated according to the evaluation answer.
The computer readable storage medium according to claim 15, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account to each question in the target evaluation test question, determining the information corresponding to each question in the customer account information;

According to the information corresponding to each question in the customer account information, the evaluation answers of each question are matched, a matching degree level is generated, and the score of each question evaluation answer is determined according to the matching degree level;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The computer readable storage medium according to claim 15, wherein the step of receiving the customer account based on the evaluation answer sent by the target evaluation question and generating the customer risk evaluation result according to the evaluation answer comprises:

When receiving the evaluation response of the customer account for each question in the target evaluation test question, determining the individual answer time spent by the evaluation answer of each question;

Compare each individual answer time with the preset answer time of the corresponding question to determine the score of each question evaluation answer;

The scores of the evaluation questions of each question in the target test questions are integrated to generate the customer risk evaluation results of the target test questions.
The computer readable storage medium according to claim 15, wherein the step of determining a corresponding target evaluation test question from the preset evaluation test question database according to the customer account information corresponding to the evaluation request comprises:

Determining the type of evaluation corresponding to the evaluation request, and determining each intermediate preset evaluation question corresponding to the type of evaluation from the preset evaluation question database;

The customer account information is matched with each intermediate preset test question one by one, and the matching degree between the customer account information and each intermediate preset test question is determined, and the target test question is determined according to the matching degree.
The computer readable storage medium of claim 15, wherein the step of generating a customer risk assessment result based on the evaluation response comprises:

After generating the evaluation result according to the evaluation answer, the monitoring video taken during the customer risk assessment process is invoked, and the validity of the customer risk assessment result is verified according to the monitoring video;

If the validity of the customer risk assessment results is verified successfully, the customer risk assessment is completed;

If the validity of the customer risk assessment result fails, the prompt information of the customer risk assessment failure is output.
The computer readable storage medium according to claim 15, wherein the step of obtaining the customer account information corresponding to the evaluation request when receiving the evaluation request sent by the customer account comprises:

When receiving the evaluation request sent by the customer account, prompting to input the identity information corresponding to the customer account for verification;

When the identity information corresponding to the client account is received, the identity information is matched with the registration identity information bound by the client account;

After the identity information and the registration identity information bound to the client account are successfully matched, the client account information corresponding to the identity information is obtained.