Credit card rate information determination method and device based on knowledge graph

Abstract

The invention discloses a credit card rate information determination method and device based on a knowledge graph. The method comprises the steps of acquiring client information of a target client; querying one or more associated customers of the target customer from a pre-constructed customer knowledge graph according to the customer information of the target customer; obtaining a credit attribute value of the target client and a credit attribute value of each associated client; and according to the credit attribute value of the target client and the credit attribute value of each associatedclient, determining rate information of executing installment payment operation by the target client. According to the invention, the group relationship of each client is determined based on the knowledge graph, and then the installment rate of installment payment of each client is determined according to the credit attribute information of each client and the associated clients, so that personalized customization of the installment payment installment rate of the credit card can be realized, and the user experience of using the credit card by the client is improved.

Description

technical field [0001] The present invention relates to the application field of knowledge graphs, in particular to a method and device for determining credit card rate information based on knowledge graphs. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] Credit card installment payment means that when a cardholder uses a credit card for large-amount consumption, the card-issuing bank pays the merchant a one-time consumption fund for the goods (or services) purchased by the cardholder. The cardholder's credit card account is deducted, and the cardholder repays according to the monthly account amount. [0004] Credit card installment payment methods mainly include bill installment and single consumption installment. Banks usually charge corresponding handling fees according t...

AI Technical Summary

Problems solved by technology

[0007] An embodiment of the present invention provides a method for determining credit card fee rate information based on knowledge graphs, which is used to solve the problem that in the existing credit card system, the same fee rate calculation method is used for different customers' installment payments, and it is impossible to provide different customers. The technical problem of personalized installment payment fee rate, the method includes: obtaining the customer information of the target customer; querying one or more associated customers of the target customer from the pre-built customer knowledge map according to the customer information of the target customer; obtaining The credit attribute value of the target customer and the credit attribute value of each associated customer; according to the credit attribute value of the target customer and the credit attribute value of each associated customer, determine the rate information for the target customer to perform the installment payment operation

[0008] The embodiment of the present invention also provides a credit card fee rate information determination device based on the knowledge map, which is used to solve the problem that in the existing credit card system, the installment payment for different customers adopts the same fee rate calculation method, which cannot be used for different customers. The technical problem of providing personalized installment fee rates, the device includes: a customer information acquisition module, used to obtain customer information of target customers; a knowledge map query module, used to obtain customer knowledge from pre-built In the map, one or more associated customers of the target customer are queried; the customer credit attribute value acquisition module is used to obtain the target customer's credit attribute value and the credit attribute value of each associated customer; the rate information determination module is used to determine the target customer according to The credit attribute value of the target customer and the credit attribute value of each associated customer determine the rate information for the target customer to perform the installment payment operation

[0009] The embodiment of the present invention also provides a computer device, which is used to solve the problem that in the existing credit card system, the same fee rate calculation method is adopted for the installment payment of different customers, and it is impossible to provide personalized installment payment fee rates for different customers. Technical problem, the computer device includes a memory, a processor, and a computer program stored on the memory and operable on the processor. When the processor executes the computer program, the above-mentioned credit card rate information determination method based on knowledge graph is realized.

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