Financial-service-oriented chat robot and system

A chat robot and server technology, applied in the field of chat robots and systems, can solve problems affecting user service experience, large labor investment, and rising costs of various types, and achieve the effect of improving financial service experience, improving operating efficiency, and accurate financial consultation

Inactive Publication Date: 2018-06-05
北京融快线科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, with the diversification of financial products, these financial companies need to undertake more and more financial consulting services. The manual method has high consulting efficiency and a fast and intuitive service experience. The disadvantages are: high labor costs, information asymmetry, and differences in professionalism , lack of products and other shortco

Method used

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  • Financial-service-oriented chat robot and system
  • Financial-service-oriented chat robot and system
  • Financial-service-oriented chat robot and system

Examples

Experimental program
Comparison scheme
Effect test

example 1

[0144] After the user logs in for the first time, the robot welcomes words such as: "Hello, how can I help you?"

[0145] User enters text: "I want to ask some questions about loans"

[0146] After the text input by the user is recognized, it is output to the user portrait module;

[0147] The user portrait module extracts the features of the user data, marks the user features, and outputs the processed data to the financial business processing module;

[0148] The financial business processing module supports the calculation of user characteristics through the classification matching model, classifies users into product consultation scenarios, and at the same time matches with existing product models, judges that there is no product match, and outputs user data to the loan consultation module in the chat robot ;

[0149] The product consultation module corresponding to the chat robot module classifies the user interaction data into problem data through the analysis of user ...

example 2

[0158] The user selects the corresponding product according to their own needs and clicks the application button to transmit the application instruction to the order module;

[0159] The order module prompts the user to fill in the product application form;

[0160] After the form application is completed, the user is prompted to upload or submit the application materials, which include: personal photos holding ID cards, personal income certificates, income records, bank cards, marriage certificates, household registration books, work certificates, etc. According to different products, the application materials include some necessary materials and supplementary materials. If the data is not uploaded successfully or the data is incomplete and you choose to submit, the system will instruct the chatbot to output prompt-type interactive data to the human-machine interaction module.

[0161] After the user information is submitted, the data is input into the risk control approval ...

example 3

[0163] The user characteristics in the user portrait module include: demand characteristics, credit characteristics, product characteristics

[0164] Demand characteristics refer to the extraction of key words of demand, for example: loan demand: use money within 3 days, before the end of December; price demand: low interest rate, no fee.

[0165] Credit features refer to keywords related to user credit, such as: working years, monthly income, education, married or not, etc. Product features refer to keywords related to product functions, conditions, and features, such as: no mortgage, 10% off interest rate, one-day approval, etc.

[0166] It can be seen from the above technical solution that the financial service-oriented chat robot and system provided by the present invention construct user portraits by extracting user characteristics, establish user behavior classification through the matching model of business classification scenarios, and realize matching analysis with pr...

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Abstract

The invention relates to a financial-service-oriented chat robot and system. A financial data acquisition module of the chat robot collects financial data, and sends the financial data to a financialknowledge base module for classified storage. A human-computer interaction module receives financial service consultation information input by a user and makes responses. A financial service processing module is used for carrying out service scene classification according to the financial service consultation information, and a corresponding human-computer interaction strategy is extracted from the financial knowledge base module according to classified service scenes to be pushed to the human-computer interaction module for a man-machine conversation. A user portrait module extracts user characteristics according to the content of the man-machine conversation so as to construct a user portrait. An order module is used for selecting a financial product conforming to the user portrait to generate an order, and performing tracking management on the order confirmed by the user. According to the technical scheme, user data acquisition, question answering, order ex-warehouse and other basicwork in a man-machine interaction mode, and the operation efficiency of financial services and the financial service experience can be improved.

Description

technical field [0001] The invention relates to the technical field of intelligent online services in the financial industry, in particular to a chat robot and system for financial services. Background technique [0002] Generally speaking, Internet financial services are divided into different types such as Internet-based finance, mobile payment and third-party payment, P2P network loans, and crowdfunding. Internet finance has appeared in China since 1997. With the continuous emergence of big data, cloud computing, blockchain, artificial intelligence and other technologies, it has shown a "blowout" and explosive growth since 2013. Relying on the advantages of organizational model and information processing ability, Internet finance expands market opportunities outside the original channels, reduces transaction costs, alleviates the problem of information asymmetry to a certain extent, improves the efficiency of capital allocation, and has made a difference to social and eco...

Claims

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Application Information

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IPC IPC(8): G06F17/30G06F17/27G06Q30/00G06Q30/02G06Q30/06G06Q40/02
CPCG06F16/3329G06F16/35G06Q30/0185G06Q30/0281G06Q30/0631G06F40/30G06Q40/03
Inventor 王文斌
Owner 北京融快线科技有限公司
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