System and method for analyzing credit card preference

Abstract

The invention discloses a system and method for analyzing credit card preference. The method includes the steps that a data converter has access to a personal credit information basic database and initiates a query request to customer data; the personal credit information basic database returns data to the data converter; the data converter converts the data into data corresponding to and matched with a data processor and sends the data to the data processor; the data processor collects the data and data in an internal database to form data with a single customer as a unit, and the data are sent to a rule engine for preference analysis; the rule engine extracts basic fields from the data to perform preference analysis, and preference analysis is performed on a user through combination of limit preference data and product preference data. The analyzing method is specific to the single user, so that specific service is supplied according to the preference of the user, service differentiation of various users is increased so as to cater to the pleasure of the users, personalized service types are arranged, and therefore the live card rate of credit cards in the financial industry is increased effectively and waste of resources is reduced.

Description

technical field [0001] The invention relates to a credit card preference analysis system and method. Background technique [0002] Credit cards have been widely used in more than 95% of countries around the world. By the end of 2011, the total number of domestic credit cards had exceeded 285 million. Credit cards have become the most important non-cash payment tool in residents' daily life. However, the market competition means in the credit card field in the financial industry is very single at present, and the research on credit card related data has not been analyzed from the perspective of natural human beings. Most banks rely too much on credit decision-making and resource investment, and the effect of differentiated services is not significant. The overall active card rate is only about 50%, and the frequency of use of credit cards is much lower than that of bank cards. As the market matures, the growth rate of credit cards slows down, and cardholders have higher and ...

AI Technical Summary

Problems solved by technology

However, the market competition means in the credit card field in the financial industry is very single at present, and the research on credit card related data has not been analyzed from the perspective of natural human beings. Most banks rely too much on credit decision-making and resource investment, and the effect of differentiated services is not significant. The overall active card rate is only about 50%, and the frequency of use of credit cards is much lower than that of bank cards

As the market matures, the growth rate of credit cards slows down, and cardholders have higher and higher service requirements. Card issuing banks are also facing challenges such as cost pressures and homogeneous competition. However, data research shows that nearly 30% of Cardholders think that there is no difference between credit cards of different banks. More than 50% of cardholders think that there are some differences between credit cards of different banks. Cardholders who think that there are big differences only account for about 12% of the total number of surveys. Therefore, how to increase products and services The differentiation of banks has become a major issue facing the competition of banks

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