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A method to match the financial institution's flow with the operator's data

A technology for financial institutions and operators, applied in data mining, market data collection, file metadata retrieval, etc., to solve problems such as difficulty in identifying users, lack of unique identifiers, and inability to accurately analyze consumption behavior.

Active Publication Date: 2021-01-15
JIUYUAN QIANCHANG BEIJING TECH SERVICE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The lack of a unique identifier makes it difficult to identify users, making it impossible to accurately analyze the user's consumption behavior

Method used

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  • A method to match the financial institution's flow with the operator's data
  • A method to match the financial institution's flow with the operator's data

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Embodiment Construction

[0043] The implementation of the present invention will be described in detail below in conjunction with the accompanying drawings and examples, so as to fully understand and implement the process of how to apply technical means to solve technical problems and achieve technical effects in the present invention. It should be noted that, as long as there is no conflict, each embodiment and each feature in each embodiment of the present invention can be combined with each other, and the formed technical solutions are all within the protection scope of the present invention.

[0044]In addition, the steps shown in the flow diagrams of the figures may be performed in a computer system, such as a set of computer-executable instructions, and, although a logical order is shown in the flow diagrams, in some cases, the sequence may be different. The steps shown or described are performed in the order herein.

[0045] Such as figure 1 As shown, a method of matching the financial institu...

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Abstract

The invention discloses a method for matching a financial institution statement with operator data. The method comprises the following steps that: obtaining transaction statement data generated on a financial mechanism side, wherein the transaction statement data comprises a bank transaction statement, a Unionpay statement or a third-party payment platform statement; obtaining prompt information generated on a telecom operator side, wherein the prompt information comprises short message contents, an original DNS (Domain Name Server) log or an original URL (Uniform Resource Locator) log; extracting a user code and generation time from the above transaction statements and the prompt information of the operator, carrying out sorting according to the generation time, and independently obtaining the set of the transaction statements and the set of the prompt information; and obtaining an appointed parameter from the above sets, carrying out matching by the generation time, taking a matched user number as the same user or the user with the same attribute, utilizing all data under the matched user number to analyze the consumption behavior and the payment behavior of the user, and meanwhile, outputting a matching success result.

Description

technical field [0001] The invention belongs to a method for matching financial institution flow and operator data. Background technique [0002] With the rapid increase in the number of cards issued by banks (debit cards, credit cards) and the rapid development of various payment technologies, the consumption scenarios in people's daily life are also constantly changing. When people consume, the proportion of using bank cards or third-party payment is increasing, and the proportion of using cash as a means of payment is getting smaller and smaller. When each user consumes with a bank card or a third-party payment platform, records will be generated on the financial institution side and the telecom operator side, and the records themselves are isolated from each other. Under the trend of informatization, how to connect the flow of financial institutions and operator data, break the data silos, and better tap and utilize the value of big data has become an important link. ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q30/02G06F16/14G06F16/182
CPCG06F2216/03G06Q30/0201G06F16/148G06F16/182
Inventor 尹嘉路白晟丁文涛
Owner JIUYUAN QIANCHANG BEIJING TECH SERVICE CO LTD