Service data processing method and device

A technology of business data and processing methods, applied in data processing applications, market data collection, instruments, etc., can solve the problems of waste of marketing costs, single data source, low customer conversion rate, etc., to improve the degree of credit use and reduce marketing costs. , the effect of increasing the conversion rate

Inactive Publication Date: 2017-10-03
北京百分点科技集团股份有限公司
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Problems solved by technology

[0004] However, the main sales model of existing bank personal loan products has a relatively single data source, which only selects target customers based on the customer's demographic characteristics and past creditworthiness and contribution status, without considering the customer's behavioral characteristics and preferences. Influenced by the use of loan product credit, potential customers cannot be accurately positioned, but only superficial positioning can be achieved, resulting in a low customer conversion rate and unsatisfactory use of credit, resulting in a large waste of marketing costs

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  • Service data processing method and device
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Embodiment Construction

[0024] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below in conjunction with specific embodiments of the present invention and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present invention, but not all of them. Based on the embodiments in the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the embodiments of the present invention.

[0025] The terms "first", "second", etc., if present, in the description and claims and the above drawings are used to distinguish similar parts and not necessarily to describe a specific order or sequence. It is to be understood that the data so used are interchangeable under appropriat...

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Abstract

An embodiment of the invention provides a service data processing method and a service data processing device. The service data processing method comprises the steps of: analyzing service data of a user to be mined in a designated institution by using a pre-constructed service data model, so as to obtain a conversion rate of the user to be mined; detecting whether the conversion rate of the user to be mined reaches a preset first threshold value; and determining that the user to be mined is a potential seeded user of the designated institution when detecting that the conversion rate of the user to be mined reaches the preset first threshold value. By adopting the service data processing method and the service data processing device, the conversion rate of the client can be improved, the credit limit usage level of the client can be increased, and the marketing cost can be reduced.

Description

technical field [0001] The embodiment of the present invention relates to the technical field of banking business system development, in particular to a method and device for processing business data. Background technique [0002] In the current economic environment, the personal micro-loan products of commercial banks are growing at an astonishing rate, both in terms of issuance volume and scale. The supply and demand of personal loan products are booming, and the varieties of loan products are becoming more and more abundant. [0003] Due to the different characteristics of different loan products, there are also obvious differences in the targeted customer groups. The existing technology is aimed at a certain loan product, how to push the appropriate product to potential customers most efficiently, so as to improve the use of credit. At that time, the main sales model of bank personal loan products was usually to screen out potential customers based on the bank's internal...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0201G06Q40/03
Inventor 梁培明刘钰杜晓梦金英苏海波
Owner 北京百分点科技集团股份有限公司
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