WO2019153598A1

WO2019153598A1 - Customer risk level management method, server and computer readable storage medium

Info

Publication number: WO2019153598A1
Application number: PCT/CN2018/089416
Authority: WO
Inventors: 陈龙; 吴科宏; 李海林
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-02-07
Filing date: 2018-05-31
Publication date: 2019-08-15
Also published as: CN108416506A; CN108416506B

Abstract

Disclosed in the application is a customer risk level management method, which comprises: building a customer risk rating model that comprises multiple financial systems; obtaining business data of the multiple financial systems and input them into the customer risk rating model to unify the business data to generate a single customer view; extracting a risk level of customers in each financial system on the basis of the single customer view; ranking the customers according to the risk level of customers in various financial systems, with the highest risk level as the final risk level of a customer; and sharing the final risk level of the customer output by the customer risk rating model that comprises the multiple financial systems, as well as the risk level of the customer in each financial system among various financial systems of a terminal device. Also provided in the application are a server and a computer readable storage medium. According to the customer risk level management method, the server and the computer readable storage medium provided by the present application, customer risk level data can be shared among various financial systems.

Description

Customer risk level management method, server and computer readable storage medium

Priority claim

This application claims priority to Chinese Patent Application No. 201810123585.4, entitled "Customer Risk Level Management Method, Server and Computer Readable Storage Media", which was submitted to the Chinese Patent Office on February 7, 2018. The citations are incorporated herein by reference.

Technical field

The present application relates to the field of financial customer management technologies, and in particular, to a customer risk level management method, a server, and a computer readable storage medium.

Background technique

In recent years, with the rapid development of the information industry and the popularity of the mobile Internet, financial companies are also expanding their scale, involving more and more financial services. However, the customer risk rating system in the industry is oriented to a single financial business. For example, the risk rating of bank customers is for bank customers, the risk rating of insurance is only for insurance customers, and the data of customer risk ratings for each financial business cannot be shared.

Summary of the invention

In view of this, the present application proposes a customer risk level management method, a server, and a computer readable storage medium to solve the problem that the data of the customer risk rating of the financial service cannot be shared.

First, in order to achieve the above object, the present application proposes a customer risk level management method, which comprises the steps of:

Build a customer risk rating model that includes multiple financial systems;

Obtaining business data of the plurality of financial systems and inputting to the customer risk rating model;

The customer risk rating model performs uniform processing on the business data to generate a single customer view to obtain business data of the same customer in the plurality of financial systems;

Extracting the risk level of the customer in each financial system according to the single customer view;

According to the customer's level of risk in each financial system, the highest risk level is used as the final risk level of the customer;

The customer's final risk level outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system are shared to various financial systems of the terminal device.

In addition, in order to achieve the above object, the present application further provides a server, including a memory, a processor, and a memory risk management system operable on the processor, where the customer risk level management system is The processor implements the following steps when executed:

Build a customer risk rating model that includes multiple financial systems;

Further, to achieve the above object, the present application further provides a computer readable storage medium storing a customer risk level management system, the customer risk level management system being executable by at least one processor, The step of causing the at least one processor to perform the customer risk level management method as described above.

Compared with the prior art, the customer risk level management method, the server and the computer readable storage medium proposed by the present application firstly construct a customer risk rating model including multiple financial systems; and then, obtain the business of each financial system of the group. Data is consistently processed to generate a single customer view; further, the risk level of the customer in each financial system is extracted according to the single customer view; and then, according to the risk level of the customer in each financial system, the highest is ranked The risk level is the final risk level of the customer; finally, the customer's final risk level output by the customer risk rating model containing multiple financial systems and the risk level of the customer in each financial system are transferred to the financial systems of the terminal device, so that each The sales staff of the financial system can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that the salesperson can refer to the risk level of the customer in other financial systems. better one Risk prevention.

DRAWINGS

1 is a schematic diagram of an optional application environment of each embodiment of the present application;

2 is a schematic diagram of an optional hardware architecture of the server of FIG. 1;

3 is a schematic diagram of a program module of a first embodiment of a customer risk level management system of the present application;

4 is a schematic diagram of a program module of a second embodiment of the customer risk level management system of the present application;

5 is a schematic diagram of a program module of a third embodiment of the customer risk level management system of the present application;

6 is a schematic flowchart of a first embodiment of a method for managing a customer risk level according to the present application;

7 is a schematic flowchart of a second embodiment of a method for managing a customer risk level according to the present application;

FIG. 8 is a schematic flowchart of a third embodiment of a method for managing a customer risk level according to the present application.

Reference mark:

终端设备Terminal Equipment	11
服务器 server	22
网络The internet	33
存储器Memory	1111
处理器processor	1212

网络接口Network Interface	1313
客户风险等级管理系统Customer risk management system	200200
构建模块Building module	201201
生成模块Build module	202202
提取模块Extraction module	203203
排序模块Sorting module	204204
共享模块Shared module	205205
判断模块Judgment module	206206
提示模块Prompt module	207207
评估模块Evaluation module	208208
识别模块Identification module	209209

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

Detailed ways

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

It should be noted that the descriptions of "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. . Thus, features defining "first" or "second" may include at least one of the features, either explicitly or implicitly. In addition, 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.

Referring to FIG. 1 , it is a schematic diagram of an optional application environment of each embodiment of the present application.

In this embodiment, the present application is applicable to an application environment including, but not limited to, the terminal device 1, the server 2, and the network 3. The terminal device 1 may be a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a navigation device, an in-vehicle device, etc. Mobile devices such as, and fixed terminals such as digital TVs, desktop computers, notebooks, servers, and the like. The server 2 may be a computing device such as a rack server, a blade server, a tower server, or a rack server. The server 2 may be a stand-alone server or a server cluster composed of multiple servers. The network 3 may be an intranet, an Internet, a Global System of Mobile communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, Wireless or wired networks such as 5G networks, Bluetooth, Wi-Fi, and call networks.

The server 2 is respectively connected to one or more of the terminal devices 1 through the network 3 for data transmission and interaction.

Referring to FIG. 2, it is a schematic diagram of an optional hardware architecture of the server 2 of FIG. In this embodiment, the 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 pointed out that Figure 2 only shows the server 2 with the components 11-13, but it should be understood that not all illustrated components are required to be implemented, and more or fewer components may be implemented instead.

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.), and a random access memory (RAM). , 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. In some embodiments, the memory 11 may be an internal storage unit of the server 2, such as a hard disk or memory of the server 2. In other embodiments, the memory 11 may also be an external storage device of the server 2, such as a plug-in hard disk equipped on the server 2, a smart memory card (SMC), and a secure digital (Secure) Digital, SD) cards, flash cards, etc. Of course, the memory 11 can also include both the internal storage unit of the server 2 and its external storage device. In this embodiment, the memory 11 is generally used to store an operating system installed in the server 2 and various types of application software, such as program codes of the customer risk level management 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 server 2, such as performing control and processing related to data interaction or communication with the terminal device 1. In this embodiment, the processor 12 is configured to run program code or process data stored in the memory 11, such as running the customer risk level management 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 server 2 and other electronic devices. In this embodiment, the network interface 13 is mainly used to connect the server 2 to one or more of the terminal devices 1 through the network 3, and the server 2 and the one or more terminal devices 1 Establish a data transmission channel and communication connection between.

So far, the application environment of the various embodiments of the present application and the hardware structure and functions of related devices have been described in detail. Hereinafter, various embodiments of the present application will be proposed based on the above-described application environment and related devices.

First, the present application proposes a customer risk level management system 200.

Referring to FIG. 3, it is a program module diagram of the first embodiment of the customer risk level management system 200 of the present application.

In this embodiment, the customer risk level management system 200 includes a series of computer program instructions stored on the memory 11, and when the computer program instructions are executed by the processor 12, the customer risk level of the embodiments of the present application can be implemented. Manage operations. In some embodiments, the customer risk level management system 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. 3, the customer risk level management system 200 can be divided into a building module 201, a generating module 202, an extracting module 203, a sorting module 204, and a sharing module 205. among them:

The establishing module 201 is configured to construct a customer risk rating model including multiple financial systems.

Specifically, with the continuous expansion of financial companies, there are more and more financial businesses involved. Take a large financial group as an example. The financial system of the large financial group includes the banking system, insurance system, securities system, and loan system. And so on, the financial business involved should be banking, insurance, securities, loan business and so on. The customer risk rating model constructed by the server 2 including a plurality of financial systems includes all financial services involved in the group.

The obtaining module 202 is configured to acquire the business data of the plurality of financial systems and input the risk data to the customer risk rating model, and perform uniform processing on the business data by using the customer risk rating model to generate a single customer view. To obtain business data of the same customer in the multiple financial systems.

Specifically, the customer risk rating model including a plurality of financial systems includes a data concentration platform. First, the server 2 collects business data of various financial systems, such as a banking system, an insurance system, a securities system, a loan system, etc., into the data centralized platform through the acquisition module 202. Second, the obtaining module 202 obtains data of the same customer in the plurality of financial systems from the data of the data centralized platform, for example, the A customer has processed the business in the banking system and the securities system, and the obtaining module 202 acquires the A customer. The business data of the banking system and the securities system, that is, data consistency processing, generates a mapping diagram between the customer and the business data, that is, forms a single customer view.

The extracting module 203 is configured to extract a risk level of the customer in each financial system according to the single customer view.

Specifically, each financial system has different risk rating criteria for customers, and the definition of customer data analysis also differs. Therefore, in this embodiment, each financial system separately evaluates the risk rating of customers. The customer risk rating model including multiple financial systems includes each financial system including an industry-specific customer risk rating model, and the single customer view data in the data centralized platform passes through the customer risk level evaluation model of each financial system. The corresponding risk level. The server 2 extracts the risk level of the customer in each financial system from the customer risk rating model including a plurality of financial systems through the extraction module 203. Understandably, because the risk rating criteria of customers in each financial system are different, the risk level of the same customer in different financial systems may be different. For example, the risk level of A customer in the banking system is high risk. The risk level in the securities system is medium risk, while the risk level in the insurance system is low risk.

The ranking module 204 is configured to sort the risk levels of the customers in each financial system, and the highest risk level is the final risk level of the customer.

Specifically, the server 2 ranks the risk levels of the customers in each financial system according to the high and low principles, and adopts the highest risk level as the final risk level of the customer according to the high principle and the risk prudence principle. For example, the risk level of the B customer in the banking system is high risk, the risk level in the securities system is low risk, and the risk level in the insurance system and other systems is low risk, even if the customer is in the risk level of the securities system, insurance system, etc. For low risk, but the customer's risk level in the banking system is high, according to the high principle, the final risk assessed by the B customer is a high risk level. In this way, when B customers purchase financial products such as insurance products, the insurance system can prevent the business risks that B customers may bring in advance.

The sharing module 205 is configured to share the final risk level of the customer outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1.

Specifically, when the customer final risk level is output by the customer risk rating model including a plurality of financial systems, the server 2 shares the final risk level of the customer to each financial system through the sharing module 205, and also The risk levels of the financial systems are shared among various financial systems, so that the clerk of each financial system can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, thereby Members can refer to the risk level of customers in other financial systems to make better risk prevention.

In other embodiments of the present application, the server 2 displays corresponding prompt information when the risk levels of the same customers output by the risk rating models of the respective financial systems are inconsistent. In this embodiment, the warning signal may be, but is not limited to, adding a label to the customer to remind the salesperson to take risk prevention. For example, the risk level of the A customer in the loan system is low, and when the risk level of the banking system is high, when the A customer handles the loan business in the loan system, the salesperson of the loan system can query the A customer according to the warning signal. In the banking system, the risk level is high, and then determine whether the A customer is eligible for the loan business.

In other embodiments of the present application, when a customer's risk level in a particular financial system is high, an event leading to a high risk level is displayed. For example, when a customer is assessed as a high-risk level in a banking system due to triggering a high-risk event, a high-risk event of the customer is displayed, such as an event in which the customer is inquired, frozen, or deducted by the public security organ, the tax authority, the customs.

Through the above-mentioned program modules 201-205, the customer risk level management system 200 proposed by the present application firstly constructs a customer risk rating model including a plurality of financial systems; and then, obtains the business data of each financial system of the group to be consistently processed, Generating a single customer view; further, extracting the risk level of the customer in each financial system according to the single customer view; and then sorting according to the risk level of the customer in each financial system, with the highest risk level being the most customer's final Risk level; finally, sharing the customer's final risk level output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to the various financial systems of the terminal device 1 so that the business of each financial system The staff can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that the salesperson can refer to the risk level of the customer in other financial systems to make better risk prevention. .

Referring to FIG. 4, it is a program module diagram of the second embodiment of the customer risk level management system 200 of the present application. In this embodiment, the customer risk level management system 200 includes the determining module 201, the generating module 202, the extracting module 203, the sorting module 204, and the sharing module 205 in the first embodiment, and further includes a determining module. 206, prompt module 207 and evaluation module 208.

The determining module 206 is configured to determine, according to the single customer view, whether the customer is a new customer when receiving a service request from the client.

Specifically, as can be seen from the above, in the first embodiment, the server 2 aggregates business data of various financial systems, such as a banking system, an insurance system, a securities system, a loan system, and the like into a data centralized platform for data consistency processing. To form a single customer view. Inevitably, every system will have new customers to join, even new customers of the group. Therefore, in the embodiment, when the server 2 receives the service request of the terminal device 1, the determining module 206 determines whether the client is a new client according to a single client view of the data centralized platform, when the data centralized platform includes When there is a single customer view of the customer, it indicates that the customer is an old customer, and when the data centralized platform does not have a single customer view of the customer, it indicates that the customer is a new customer. The new customers here refer to the new customers of the group, that is, they have not handled the business in various systems.

The prompting module 207 is configured to automatically display the final risk level of the customer and the risk level of the customer in each financial system if it is not a new customer.

Specifically, when the customer is not a new user, it indicates that the customer risk rating model including the plurality of financial systems has evaluated the risk level of the customer in the corresponding system in which the business has been handled. The server 2 displays the final risk level of the customer and the risk level of the customer in each financial system through the prompting module 207. At the same time, if the customer's final risk level is high, a specific event with a high risk level is also displayed.

The evaluation module 208 is configured to, if it is a new customer, evaluate the risk level of the new customer according to the customer information of the new customer.

Specifically, if the customer is a new customer, that is, the customer has not handled any business in the group, the evaluation module 208 evaluates the risk level of the customer according to the customer information of the new customer, and shares it with each financial system.

Through the above-mentioned program modules 206-208, the customer risk level management system 200 proposed by the present application can also determine that the customer is a new group customer according to the single customer view when receiving the business request of the customer; if not a new customer, automatically Display the final risk level of the customer and the risk level of the customer in each financial system; if it is a new customer, evaluate the risk level of the new customer according to the customer information of the new customer, realize the classification processing of new and old customers, and improve the risk prevention .

Referring to FIG. 5, it is a program module diagram of a third embodiment of the customer risk level management system 200 of the present application. In this embodiment, the customer risk level management system 200 includes the identification module 201, the generation module 202, the extraction module 203, the sequencing module 204, and the sharing module 205 in the first embodiment, and includes an identification module. 209.

The extraction module 203 is further configured to extract customer profile information.

Specifically, the server 2 extracts customer profile information from the data centralized platform by using the extraction module 203, where the personal profile information includes but is not limited to the customer's name, gender, date of birth, document type, and certificate number. Business and so on.

The identification module 209 is configured to identify the same customer according to the five principles of name, gender, date of birth, type of document, and number of documents.

Specifically, as can be seen from the above, the server identifies that the same customer of the group forms a single customer view, but in order to avoid confusion with customers of the same name, the server identifies the same customer according to certain rules. In this embodiment, the server 2 identifies the same customer from the personal information extracted to the customer through the identification module 209 according to the five principles of the customer name, gender, date of birth, document type, and document number, and ensures the customer. The information is accurate.

The generating module 202 is configured to generate a single client view according to the mapping relationship between the client and each financial system service.

Specifically, as can be seen from the above, the server 2 aggregates business data of various financial systems, such as a banking system, an insurance system, a securities system, a loan system, and the like, into a data centralized platform. In an embodiment of the present application, the generating module 202 may configure the crawler to capture the business data of the same customer in the plurality of financial systems, and form a mapping relationship between the client and each financial service system, and then the generating module 202 A single customer view is generated according to the mapping relationship between the customer and each financial system business.

Through the above program module 209, the customer risk level management system 200 proposed by the present application can also extract the personal information information of the customer; and identify the same customer according to the five principles of name, gender, date of birth, type of document and number of documents; The mapping relationship between the customer and each financial system business generates a single customer view, thereby ensuring accurate customer information.

In addition, the present application also proposes a customer risk level management method.

Referring to FIG. 6, it is a schematic flowchart of the first embodiment of the customer risk level management method of the present application. In this embodiment, the order of execution of the steps in the flowchart shown in FIG. 6 may be changed according to different requirements, and some steps may be omitted.

In step S301, a customer risk rating model including multiple financial systems is constructed.

Step S302: Obtain business data of the plurality of financial systems and input the risk information to the customer risk rating model, and perform consistent processing on the business data by using the customer risk rating model to generate a single customer view to obtain the same customer. Business data in the plurality of financial systems.

Specifically, the customer risk rating model including multiple financial systems includes a data concentration platform. First, the server 2 aggregates business data of various financial systems, such as a banking system, an insurance system, a securities system, a loan system, and the like. Data concentration platform. Second, the obtaining module 202 obtains data of the same customer in the plurality of financial systems from the data of the data centralized platform, for example, the A customer has processed the business in the banking system and the securities system, and the obtaining module 202 acquires the A customer. The business data of the banking system and the securities system, that is, data consistency processing, generates a mapping diagram between the customer and the business data, that is, forms a single customer view.

Step S303, extracting a risk level of the customer in each financial system according to the single customer view.

Specifically, each financial system has different risk rating criteria for customers, and the definition of customer data analysis also differs. Therefore, in this embodiment, each financial system separately evaluates the risk rating of customers. The customer risk rating model including multiple financial systems includes each financial system including an industry-specific customer risk rating model, and the single customer view data in the data centralized platform passes through the customer risk level evaluation model of each financial system. The corresponding risk level. The server 2 extracts the risk level of the customer in each financial system from a customer risk rating model comprising a plurality of financial systems. Understandably, because the risk rating criteria of customers in each financial system are different, the risk level of the same customer in different financial systems may be different. For example, the risk level of A customer in the banking system is high risk. The risk level in the securities system is medium risk, while the risk level in the insurance system is low risk.

In step S304, the customer is ranked according to the risk level of each financial system, and the highest risk level is the final risk level of the customer.

Step S305, sharing the final risk level of the customer outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1.

Specifically, when the customer final risk level output by the customer risk rating model including a plurality of financial systems is output, the server 2 shares the final risk level of the customer to each financial system, and also the customer in each financial system. The risk level is shared among various financial systems, so that the salesperson of each financial system can know the risk level of the same customer in different financial systems and the final risk level of the customer in time, and realize the sharing of customer risk level data, so that the salesperson can refer to the customer. Make better risk prevention in the risk level of other financial systems. For example, the risk level of the A customer in the loan system is low, and when the risk level of the banking system is high, when the A customer handles the loan business in the loan system, the salesperson of the loan system can query the A customer according to the warning signal. In the banking system, the risk level is high, and then determine whether the A customer is eligible for the loan business.

In other embodiments of the present application, the server 2 displays corresponding prompt information when the risk levels of the same customers output by the risk rating models of the respective financial systems are inconsistent. In this embodiment, the warning signal may be, but is not limited to, adding a label to the customer to remind the salesperson to take risk prevention.

Through the above steps S301-S305, the customer risk level management method proposed in this embodiment firstly constructs a customer risk rating model including multiple financial systems; and then, obtains the business data of each financial system of the group for uniform processing, and generates a single customer view; further, extracting the risk level of the customer in each financial system according to the single customer view; and then sorting according to the risk level of the customer in each financial system, with the highest risk level and the final risk of the customer Level; finally, sharing the customer's final risk level output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to the various financial systems of the terminal device 1 so that the clerk of each financial system The company can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that the salesperson can refer to the risk level of the customer in other financial systems to make better risk prevention.

As shown in FIG. 7, it is a schematic flowchart of a second embodiment of the customer risk level management method of the present application. In this embodiment, in the foregoing first embodiment, the step of sharing the final risk level of the customer and the risk level of the customer in each financial system by the customer risk rating model including the plurality of financial systems After that, it also includes the following steps:

Step S401, when receiving the service request of the client, determining whether the client is a new client according to the single client view, if not executing step S402, otherwise skipping to step S403.

Specifically, as can be seen from the above, in the first embodiment, the server 2 aggregates business data of various financial systems, such as a banking system, an insurance system, a securities system, a loan system, and the like into a data centralized platform for data consistency processing. To form a single customer view. Inevitably, every system will have new customers to join, even new customers of the group. Therefore, in the embodiment, when the server 2 receives the service request of the terminal device 1, it determines whether the client is a new client according to a single client view of the data centralized platform, and when the data centralized platform includes the client When the single customer view indicates that the customer is an old customer, when the data centralized platform does not have a single customer view of the customer, the customer is a new customer. The new customers here refer to the new customers of the group, that is, they have not handled the business in various systems.

Step S402, if it is not a new customer, automatically displays the final risk level of the customer and the risk level of the customer in each financial system.

Specifically, when the customer is not a new user, it indicates that the customer risk rating model including the plurality of financial systems has evaluated the risk level of the customer in the corresponding system in which the business has been handled. The server 2 displays the final risk level of the customer and the risk level of the customer in each financial system. At the same time, if the customer's final risk level is high, a specific event with a high risk level is also displayed.

Step S403, if it is a new customer, evaluate the risk level of the new customer according to the customer information of the new customer.

Specifically, if the customer is a new customer, that is, the customer has not handled any business in the group, the server 2 evaluates the risk level of the customer through a customer risk rating model including multiple financial systems, and shares the financial information. system.

Through the above steps S401-S403, the customer risk level management method proposed in this embodiment can also determine that the customer is a group new customer according to the single customer view when receiving the customer's business request; if not a new customer, automatically display The final risk level of the customer and the risk level of the customer in each financial system; if it is a new customer, the risk level of the new customer is evaluated according to the customer information of the new customer, and the classification of new and old customers is realized, and the risk prevention is improved.

As shown in FIG. 8, it is a schematic flowchart of a second embodiment of the customer risk level management method of the present application. In this embodiment, in the foregoing first embodiment, the step of extracting the risk level of the customer in each financial system according to the single customer view specifically includes the following steps:

Step S501, extracting customer profile information.

Specifically, the server 2 extracts customer profile information from a data centralized platform, where the personal profile information includes, but is not limited to, a customer's name, gender, date of birth, document type, document number, processed business, and the like.

In step S502, the same customer is identified according to the five principles of name, gender, date of birth, type of document, and number of documents.

Specifically, as can be seen from the above, the server identifies that the same customer of the group forms a single customer view, but in order to avoid confusion with customers of the same name, the server identifies the same customer according to certain rules. In this embodiment, the server 2 identifies the same customer from the customer profile information extracted from the customer according to the customer's name, gender, date of birth, document type, and document number, ensuring accurate customer information.

The step is 503, and a single customer view is generated according to the mapping relationship between the client and each financial system service.

Through the above steps S501-S503, the customer risk level management method proposed in the embodiment can also extract the customer's personal information information; and identify the same customer according to the five principles of name, gender, date of birth, document type and document number; According to the mapping relationship between the customer and each financial system business, a single customer view is generated to ensure accurate customer information.

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, 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.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

A method for managing a customer risk level, applied to a server, characterized in that the method comprises the steps of:

Build a customer risk rating model that includes multiple financial systems;

Obtaining business data of the plurality of financial systems and inputting to the customer risk rating model;

The customer risk rating model performs uniform processing on the business data to generate a single customer view to obtain business data of the same customer in the plurality of financial systems;

Extracting the risk level of the customer in each financial system according to the single customer view;

According to the customer's level of risk in each financial system, the highest risk level is used as the final risk level of the customer;

The customer's final risk level outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system are shared to various financial systems of the terminal device.
The customer risk level management method according to claim 1, wherein said sharing a customer risk level model including a plurality of financial systems outputs a final risk level of the customer and a risk level of the customer in each financial system to each After the steps of the financial system, the following steps are also included:

Determining, according to the single customer view, whether the customer is a new customer, where the service request is a service request of any one of the plurality of financial systems;

If it is not a new customer, it automatically displays the customer's final risk level and the customer's risk level in each financial system;

If it is a new customer, the risk level of the new customer is evaluated based on the customer information of the new customer.
The customer risk level management method according to claim 1, wherein the step of extracting the risk level of the customer in each financial system according to the single customer view further comprises the following steps:

Extract customer profile information;

Identify the same customer based on the five principles of name, gender, date of birth, type of document and number of documents;

A single customer view is generated according to the mapping relationship between the customer and each financial system business.
The customer risk level management method according to claim 1, wherein the method further comprises the following steps:

When the risk level of the same customer output by the risk rating model of each financial system is inconsistent, the corresponding prompt information is displayed.
The customer risk level management method according to claim 1, wherein the method further comprises the following steps:

When the customer's risk level in a certain financial system is high, the event that leads to the high risk level is displayed.
The customer risk level management method according to claim 1, wherein said customer risk rating model including a plurality of financial systems comprises a data concentration platform that aggregates business data of respective financial systems.
The customer risk level management method according to claim 1, wherein each financial system separately evaluates the risk rating of the customer.
A server, comprising: a memory, a processor, on which is stored a customer risk level management system operable on the processor, the customer risk level management system being The following steps are implemented during execution:

Build a customer risk rating model that includes multiple financial systems;

Obtaining business data of the plurality of financial systems and inputting to the customer risk rating model;

The customer risk rating model performs uniform processing on the business data to generate a single customer view to obtain business data of the same customer in the plurality of financial systems;

Extracting the risk level of the customer in each financial system according to the single customer view;

According to the customer's level of risk in each financial system, the highest risk level is used as the final risk level of the customer;

The customer's final risk level outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system are shared to various financial systems of the terminal device.
The server according to claim 8, wherein said step of sharing said customer's final risk level outputted by said customer risk rating model comprising a plurality of financial systems and said customer's risk level in each financial system to respective financial systems After that, it also includes the following steps:

When receiving a service request from a client, determining, according to the single customer view, that the client is a new client, wherein the service request is a service request of any one of the plurality of financial systems;

If it is not a new customer, it automatically displays the customer's final risk level and the customer's risk level in each financial system;

If it is a new customer, the risk level of the new customer is evaluated based on the customer information of the new customer.
The server according to claim 8, wherein the step of extracting the risk level of the customer in each financial system according to the single customer view further comprises the following steps:

Extract customer profile information;

Identify the same customer based on the five principles of name, gender, date of birth, type of document and number of documents;

A single customer view is generated according to the mapping relationship between the customer and each financial system business.
The server according to claim 8, wherein when said customer risk level management system is executed by said processor, the following steps are further implemented:

When the risk level of the same customer output by the risk rating model of each financial system is inconsistent, the corresponding prompt information is displayed;
The server according to claim 8, wherein when said customer risk level management system is executed by said processor, the following steps are further implemented:

When the customer's risk level in a certain financial system is high, the event that leads to the high risk level is displayed.
The server of claim 8 wherein said customer risk rating model comprising a plurality of financial systems comprises a data concentration platform that aggregates business data for each financial system.
The server of claim 8 wherein each financial system evaluates the risk rating of the customer separately.
A computer readable storage medium storing a customer risk level management system, the customer risk level management system being executable by at least one processor to cause the at least one processor to perform the following steps:

Build a customer risk rating model that includes multiple financial systems;

Obtaining business data of the plurality of financial systems and inputting to the customer risk rating model;

The customer risk rating model performs uniform processing on the business data to generate a single customer view to obtain business data of the same customer in the plurality of financial systems;

Extracting the risk level of the customer in each financial system according to the single customer view;

According to the customer's level of risk in each financial system, the highest risk level is used as the final risk level of the customer;

The customer's final risk level outputted by the customer risk rating model including the plurality of financial systems and the risk level of the customer in each financial system are shared to various financial systems of the terminal device.
The computer readable storage medium of claim 15 wherein said sharing said customer end risk level of a customer risk rating model comprising a plurality of financial systems and said customer's risk level in each financial system to each After the steps of the financial system, the following steps are also included:

When receiving a service request from a client, determining, according to the single customer view, that the client is a new client, wherein the service request is a service request of any one of the plurality of financial systems;

If it is not a new customer, it automatically displays the customer's final risk level and the customer's risk level in each financial system;

If it is a new customer, the risk level of the new customer is evaluated based on the customer information of the new customer.
The computer readable storage medium of claim 15, wherein the step of extracting the risk level of the customer in each financial system according to the single customer view further comprises the following steps:

Extract customer profile information;

Identify the same customer based on the five principles of name, gender, date of birth, type of document and number of documents;

A single customer view is generated according to the mapping relationship between the customer and each financial system business.
The computer readable storage medium of claim 15, wherein when the customer risk level management system is executed by the processor, the following steps are further implemented:

When the risk level of the same customer output by the risk rating model of each financial system is inconsistent, the corresponding prompt information is displayed;
The computer readable storage medium of claim 15, wherein when the customer risk level management system is executed by the processor, the following steps are further implemented:

When the customer's risk level in a certain financial system is high, the event that leads to the high risk level is displayed.
The computer readable storage medium of claim 15 wherein said customer risk rating model comprising a plurality of financial systems comprises a data concentration platform that aggregates business data for respective financial systems.