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Customer loss rate early warning method and device

A customer loss and customer technology, applied in the field of artificial intelligence, can solve problems such as bankruptcy, loss of subjective reasons, and service failure to adapt to customers

Pending Publication Date: 2022-07-22
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the discount business, there are usually two reasons that may lead to customer loss: the first reason is that the customer no longer has discount business with the bank due to poor operating conditions or even bankruptcy. This loss is called objective reason loss
The second reason is that because the services provided by the bank cannot meet the needs of customers, customers turn to other banks for cooperation. This kind of loss is called the loss of subjective reasons.
At present, there is no technical method that can provide early warning of customer churn due to subjective reasons

Method used

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  • Customer loss rate early warning method and device

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Embodiment Construction

[0085] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this application.

[0086] It should be noted that the customer churn rate early warning method and device provided by this application can be used in the financial field, and can also be used in any field except the financial field, and the application field of the customer churn rate early warning method and device provided by this application does not limited.

[0087] In one example, see figure 1 , in order to be able to give an early warning to the cus...

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Abstract

The invention provides a customer churn rate early warning method and device, relates to the technical field of network security, can also be used in the financial field, and comprises the steps: determining a customer churn probability according to the transaction level of a customer and a preset customer churn probability calculation model; the transaction level is determined by the number of historical transactions and the amount of historical transactions; determining a loss possibility level of the customer according to a preset customer loss function and the customer loss probability; and performing customer loss rate early warning according to the loss possibility level and a predetermined customer value level. According to the invention, the loss behavior of the customer can be early warned according to the historical transaction condition of the customer.

Description

technical field [0001] The present application relates to the field of artificial intelligence and can be used in the financial field, in particular to a method and device for early warning of customer churn rate. Background technique [0002] At present, more and more financial institutions (taking banks as an example to illustrate below) have carried out discount business. The so-called discount means that the payee endorses the unexpired commercial acceptance bill or bank acceptance bill and transfers it to the transferee. voter (assigner). [0003] In the discount business, there are usually two reasons for the loss of customers: the first reason is that the customer no longer has a discount business with the bank due to poor business conditions or even bankruptcy. This loss is called objective reason loss. The second reason is that because the services provided by banks cannot meet the needs of customers, customers turn to other banks for cooperation. This loss is cal...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04G06Q30/06G06Q10/04G06K9/62
CPCG06Q40/02G06Q40/04G06Q10/04G06Q30/0609G06F18/214
Inventor 吴红娟刘晓红
Owner BANK OF CHINA
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