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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 repeatedly, and repeated clicking will result in low queuing efficiency
Third, the precise calculation of the waiting time of all customers waiting to handle business does not take into account the fact that customers may have more needs and questions, which may lead to the extension of business processing time, etc.

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

Embodiment 1

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

[0048] The customer enters the user name, card number, password, the type of business that needs to be handled, and optionally enters the radius, outlet or time of the business on the client terminal. Based on the credit investigation data, customers are profiled and classified into categories including 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 telecom mobile operator or an external positioning method (such as GPS, etc.). After the customer authorizes the location information, it searches the outlets within the specified radius by locating the customer's current location and displays ...

Embodiment 2

[0070] Implementation object: ordinary customers.

[0071] Hypothetical conditions: At 9:45 in the morning, the customer Mr. Zhang wants to apply for personal housing loan business, and Mr. Zhang has authorized the opening of the function that the client can access the current location.

[0072] Mr. Zhang entered the user name, card number, and password on the client terminal, and optionally entered a radius of 3km. After successful login, select "personal housing loan business" in the type of business that needs to be handled.

[0073] The client makes customer portraits 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 shows that Mr. Zhang also has loans in other banks , the result of the customer profile is an ordinary customer.

[0074] After the authorization, the positioning module locates the current location of Mr. Zhang ...

Embodiment 3

[0083] Implementation object: VIP customers

[0084] Assumptions: 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 current location function.

[0085] Ms. Li entered the user name, card number, and password on the client terminal, and optionally entered B 1 outlets. After successful login, select "Consultation on Wealth Management Products" in the type of business that needs to be handled.

[0086] The client profile is based on the customer’s input information and personal credit information: It is known that the balance of Ms. Li’s card in the past three months has been more than 5 million, and the credit information shows that Ms. Li is a shareholder of a listed company , the customer portrait result is a VIP customer.

[0087] After authorization, the positioning module locates Ms. Li's current location and searches for B 1 outlets, the di...

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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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