Recommending system and method for guiding customer to handle banking business based on big data prediction

A banking business and recommendation system technology, applied in data processing applications, transmission systems, instruments, etc., can solve problems such as low queuing efficiency, unexplained, and inability to accurately identify important customers and general customers, and achieve high efficiency, low cost, and The effect of precision marketing

Inactive Publication Date: 2016-06-15
BANK OF SHANGHAI
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the invention has the following disadvantages: First, the patent does not provide a standard for customer classification, and cannot accurately distinguish important customers from general customers
Second, the patent does not explain how to process the queuing request if the customer clicks repe

Method used

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  • Recommending system and method for guiding customer to handle banking business based on big data prediction
  • Recommending system and method for guiding customer to handle banking business based on big data prediction
  • Recommending system and method for guiding customer to handle banking business based on big data prediction

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0046] Example 1

[0047] See figure 1 , A recommendation system based on big data prediction to guide customers to handle banking business, including: client, positioning module, outlets, data transmission module and prediction module.

[0048] The customer enters the user name, card number, password, the type of business to be processed, and optionally the radius, outlet or time for processing the business in the client. The client terminal is based on the customer’s total deposit in the bank or the total deposit in recent months or the customer The credit investigation data of the customer is carried out on the portrait, and the customers are classified. The classification types include ordinary customers, potential VIP customers and VIP customers.

[0049] The positioning module obtains the location information of the client user through the radio communication network (GSM network, CDMA network) of the telecommunication mobile operator or external positioning method (such as GPS...

Example Embodiment

[0069] Example 2

[0070] Implementation object: ordinary customers.

[0071] Assumptions: At 9:45 in the morning, the client Mr. Zhang wants to apply for personal housing loan business, and Mr. Zhang has authorized the client to access the functions of the current location.

[0072] Mr. Zhang entered the user name, card number, and password on the client, and optionally entered a radius of 3km. After successfully logging in, select "Personal Housing Loan Business" in the type of business to be handled.

[0073] The client conducts a customer portrait based on the customer's input information and personal credit information: It is known that the balance of Mr. Zhang's card in the past three months is less than 200,000, and the credit information indicates that Mr. Zhang also has loans in other banks , The result of customer portrait is ordinary customer.

[0074] After the authorization, the positioning module searches for nearby outlets within 3km by locating the current location of ...

Example Embodiment

[0082] Example 3

[0083] Implementation object: VIP customers

[0084] Assumption: Customer Ms. Li wants to be in B 1 The branch handles the business of consulting bank wealth management products, and Ms. Li has authorized the opening of the client to access the functions of the current location.

[0085] Ms. Li entered the user name, card number, password on the client, and optionally entered B 1 Outlets. After successfully logging in, select "Consulting and Wealth Management Product Business" in the type of business to be handled.

[0086] The client conducts a customer portrait based on the customer's input information and personal credit information: It is known that Ms. Li's card balance in the past three months is above 5 million, and the credit information indicates that Ms. Li is a shareholder of a listed company , The client profile turned out to be a VIP client.

[0087] After authorization, the positioning module searches for B by locating the current location of Ms. Li 1 ...

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Abstract

The invention discloses a recommending system and method for guiding a client to handle a banking business based on big data prediction. The system comprises clients, a positioning module, network sites, a data transmission module and a prediction module; the clients portray and classify the clients; the positioning module positions the current locations of the clients and synchronously displays specific distances and predicted arriving time of the network sites; the network sites divide time into different periods and respectively calculate the average handling time of a certain business in different periods, the demand density of handling the certain business in different periods or the demand density of reserving the certain business in different periods; the data transmission module obtains data through connecting with the client, the network sites and the positioning module in real time and transmits the data to the prediction module; and the prediction module customizes recommending information for the clients. According to the system and the method provided by the invention, the recommending degree of each network site can be accurately and intelligently given out; through portraying and classifying the clients, individual recommending and precise marketing can be carried out to different clients; the efficiency is relatively high; and the cost is relatively low.

Description

technical field [0001] The invention relates to the field of banking service management, in particular to a recommendation system and method for guiding customers to handle banking business based on big data prediction. Background technique [0002] When handling business in the bank, it often occurs that customers wait for a long time in the bank branch, and the business is not processed after taking the number. This will not only fail to make full use of resources, but also cause customer dissatisfaction and reduce customer experience. The number calling machine solves the orderliness of customer queuing to a certain extent, but there are still problems that customers are uncertain about the business processing time and many people do not handle business after picking up the number, so customers still spend a lot of time waiting. In view of this phenomenon, it is very important to recommend customers to handle banking business reasonably and effectively, that is, to minimi...

Claims

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Application Information

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IPC IPC(8): H04L29/08G06Q50/10
CPCH04L67/12G06Q40/02G06Q50/10H04L67/55H04L67/52
Inventor 谭茂周周樟俊周文
Owner BANK OF SHANGHAI
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