Channel information management method, device, electronic equipment and medium

Abstract

The present disclosure provides a channel information management method, including: collecting usage traces of channel services; analyzing the usage traces to extract characteristic access channels; generating a channel label library based on the characteristic access channels according to the channel label generation rules; establishing a correspondence between channel business information and the channel label library; and determining a maintenance mode for channel information under the channel label library based on the correspondence. The present disclosure also provides a channel information management device, an electronic device, and a computer-readable storage medium. The method, device, electronic device, and medium provided by the present disclosure can be used in the field of commercial bank channel management technology.

Description

Technical Field

[0001] The present disclosure relates to the technical field of commercial bank channel management, and in particular to a channel information management method, device, electronic equipment and medium. Background Art

[0002] The existing channel management information is dispersed across various systems, which results in high management costs and is unable to effectively support marketing based on existing channel data.

[0003] With the continuous development of channel management in commercial banks, the transformation of outlets and the diversity of online channels urgently need system support for unified access, maintenance and management of channel information. It is necessary to plan the channel management system architecture with business models from the perspective of business architecture to improve the value output of channel information. Summary of the invention

[0004] In view of this, the present disclosure provides a channel information management method, device, electronic device and medium to solve the technical problems in the prior art that channel management information is dispersed, management costs are high, and it is impossible to effectively support marketing based on existing channel data.

[0005] One aspect of the present disclosure provides a channel information management method, including: collecting usage traces of channel services; analyzing the usage traces and extracting characteristic access channels; generating a channel tag library for the characteristic access channels according to channel tag generation rules; establishing an association between channel business information and the channel tag library; and determining a maintenance mode for channel information under the channel tag library based on the association.

[0006] Optionally, the channel business includes: at least one of: counter and manual channels, partner direct channels, electronic channels, self-service channels, information service publishing channels, and channel contact information physical table.

[0007] Optionally, analyzing usage traces and extracting characteristic access channels includes: classifying and prioritizing usage traces according to regional attributes, experience attributes, security attributes or usage attributes, and extracting characteristic access channels based on the classification and prioritization results.

[0008] Optionally, the characteristic access channels include: young user preference channels, social security business processing channels, high-end customer preference channels, corporate business preference channels, financial product high-frequency trading channels or intelligent service channels.

[0009] Optionally, the channel label generation rule includes: a calculation formula, calculation frequency or index of the channel label.

[0010] Optionally, the maintenance mode of the channel information under the channel label library includes: maintaining the channel information under the channel label library according to the head office level, branch level and outlet level.

[0011] Optionally, the maintenance mode at the head office level includes: the head office level is used to maintain all channel label information at the branch level and the outlet level, add or delete the name or category information of the channel label library according to the generation and changes of the channel label library, and maintain and review the added and deleted channel label library.

[0012] Optionally, the maintenance mode at the branch level includes: the branch level is used to maintain the channel label information within the bank, and is also used to modify the channel label information within the bank according to the additions and deletions to the channel label library at the head office level, and after the modification, it is submitted to the same level or the previous level for review, and after the review, the modified content is called and displayed.

[0013] Optionally, the maintenance mode at the branch level includes: the branch level is used to maintain the channel label information within the branch, and is also used to modify the channel label information within the branch according to the additions and deletions to the channel label library at the head office level, and submit the modified information to the branch level for review.

[0014] Optionally, the channel tag library is used for new product launch operations or channel information organization layout.

[0015] Optionally, the method also includes: based on preset rules, calculating the channel efficiency of the feature access channel according to the business usage traces and channel construction and maintenance costs of the feature access channel; and updating the channel tag library according to the channel efficiency priority of the feature access channel.

[0016] Another aspect of the present disclosure provides a channel information management device, including: a trace collection module for collecting usage traces of channel services; an analysis and extraction module for analyzing usage traces and extracting characteristic access channels; a label generation module for generating a channel label library based on channel label generation rules for characteristic access channels; a label association module for establishing an association between channel business information and the channel label library; and a label maintenance module for determining a maintenance mode for channel information under the channel label library based on the association.

[0017] Optionally, the analysis and extraction module is specifically used to: classify and prioritize usage traces according to regional attributes, experience attributes, security attributes or usage attributes, and extract feature access channels based on the classification and priority ranking results.

[0018] Optionally, the device also includes: an efficiency calculation module, which is used to calculate the channel efficiency of the feature access channel based on preset rules, according to the business usage traces and channel construction and maintenance costs of the feature access channel; an efficiency supervision module, which is used to update the channel label library according to the channel efficiency priority of the feature access channel.

[0019] Another aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the method as described above.

[0020] Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions, which are used to implement the above method when executed.

[0021] Compared with the prior art, the present invention has at least the following beneficial effects:

[0022] (1) The present invention designs a commercial bank channel management method and device based on a business architecture model. By establishing a channel management system to systematically integrate multi-dimensional channel information, it reduces the daily repetitive and redundant maintenance content of grassroots banks, improves management efficiency, and empowers business marketing based on detailed channel management.

[0023] (2) The present disclosure manages channel information uniformly through the system, dynamically creates a channel tag library based on the behavioral characteristics of target users through channel traces and intelligent models, and then establishes the relationship between channels and channel tags, so as to adapt the most suitable push channel for users and provide a basis for docking customer service and product marketing adaptation. For example, before launching a new product, the product department can refer to the label of the channel to decide the launch channel, so as to achieve efficient and accurate product launch.

[0024] (3) The centralized channel information management disclosed in this disclosure improves the management efficiency of channel information and ensures that the caliber is consistent, accurate and unique.

[0025] (4) The present disclosure achieves scientific optimization of channel layout by comparing the operating conditions of various channels horizontally through channel labels. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] For a more complete understanding of the present disclosure and its advantages, reference will now be made to the following description taken in conjunction with the accompanying drawings, in which:

[0027] Figure 1 A flow chart schematically shows a channel information management method according to a first embodiment of the present disclosure;

[0028] Figure 2 Schematically shows a type structure diagram of a channel service according to the first embodiment of the present disclosure;

[0029] Figure 3 The following schematically shows an operation flow chart of channel tag maintenance according to the first embodiment of the present disclosure;

[0030] Figure 4 A flow chart schematically shows a channel information management method according to a second embodiment of the present disclosure;

[0031] Figure 5 A block diagram schematically shows a channel information management device according to a third embodiment of the present disclosure;

[0032] Figure 6 A block diagram schematically shows a channel information management device according to a fourth embodiment of the present disclosure;

[0033] Figure 7 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0034] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0035] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0036] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0037] In the case of using expressions such as "at least one of A, B, and C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.). In the case of using expressions such as "at least one of A, B, or C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, or C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0038] Some block diagrams and / or flow charts are shown in the accompanying drawings. It should be understood that some boxes or combinations thereof in the block diagrams and / or flow charts can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that these instructions can create a device for implementing the functions / operations described in these block diagrams and / or flow charts when executed by the processor. The technology of the present disclosure can be implemented in the form of hardware and / or software (including firmware, microcode, etc.). In addition, the technology of the present disclosure can take the form of a computer program product on a computer-readable storage medium storing instructions, which can be used by an instruction execution system or used in conjunction with an instruction execution system.

[0039] Figure 1 The flowchart of the channel information management method according to the first embodiment of the present disclosure is schematically shown.

[0040] like Figure 1 As shown, the channel information management method may include operations S210 to S250.

[0041] In operation S210, usage traces of the channel service are collected.

[0042] Channel business refers to the contact points that directly provide our services to customers.

[0043] The usage traces of channel services are used to register channel usage events or restore channel usage scenarios. The usage traces record the operation logs of customers in the process of using different channels, which may include: using customers, using channels, using time or using results. The usage traces of channel services can be obtained through embedding points, for example.

[0044] Figure 2 The diagram schematically shows a type structure diagram of a channel service according to the first embodiment of the present disclosure.

[0045] like Figure 2 As shown, the channel business may include at least one of: counter and manual channels, partner direct channels, electronic channels, self-service channels, information service release channels, and channel contact information physical tables.

[0046] Counter and manual channels refer to channels through which banks provide on-site services to customers through counters at branches or tellers visiting customers, and may include: branch counters, corporate customer marketing, individual customer marketing, private customer marketing, door-to-door services or mobile marketing services. Among them, counters refer to channels that provide face-to-face services to customers through physical branches, including branch services.

[0047] Self-service channels refer to banking channels that enable customers to provide self-service through electronic devices, such as point of sales (POS), self-service terminals or automatic teller machines (ATM).

[0048] Partner direct connection channels refer to channels that enable our partners to directly connect to our services by providing interfaces and services, etc., and may include direct connection with finance, government, financial network, clearing organization or remittance company.

[0049] Electronic channels refer to service channels provided by banks to customers with the help of terminal devices and relying on the Internet and communication technologies. For example, they may include online banking, mobile banking, WeChat banking, telephone banking or mobile instant messaging platforms.

[0050] Information service release channels refer to channels through which the Bank can release information on its own, such as SMS release channels, branch marketing information release channels or Weibo release channels.

[0051] Channel touchpoints refer to the main scenarios of customer contact through various channels, including internal and external channels, manual self-service channels, and online and offline channels. They centrally manage touchpoints with high customer interaction frequency and suitable for marketing. Channel touchpoints can include inquiry, transaction, marketing, or reminder touchpoints.

[0052] It should be noted that in the first embodiment of the present disclosure, channel services do not include bank equipment, customer equipment, transactions, public accounts, marketing, partner management, channel customer management, and channels that do not directly contact customers. Among them, channels that do not directly contact customers include, for example, the internal approval system.

[0053] In operation S220, the usage traces are analyzed to extract characteristic access channels.

[0054] In the first embodiment of the present disclosure, the usage traces are classified and prioritized according to regional attributes, experience attributes, security attributes or usage attributes, and feature access channels are extracted based on the classification and priority ranking results.

[0055] Among them, regional attributes refer to the regional information restricted by channel services, experience attributes refer to the user experience of channel services, security attributes refer to the safety of using channel services, and usage attributes refer to the convenience of user use or operation of channel services.

[0056] Specifically, characteristic access channels may include, for example: channels preferred by young customers, channels for handling social security business, channels preferred by high-end customers, channels preferred by corporate business, channels for high-frequency trading of financial products, or intelligent service channels.

[0057] For example, "Channels Preferred by Young Customers" can filter out channels with higher visit frequencies by "customers between 18 and 30 years old" based on the usage traces of channel business, and label the channel as "Channels Preferred by Young Customers".

[0058] In operation S230, the characteristic access channel is used to generate a channel label library according to the channel label generation rule.

[0059] In the first embodiment of the present disclosure, the channel label generation rule may include: a calculation formula, calculation frequency or index of the channel label.

[0060] It can be seen that the feature access channel of the first embodiment of the present disclosure fully reflects the target customer group behavior characteristics corresponding to each channel, and dynamically adjusts or enriches the channel label type according to the data model.

[0061] In operation S240, an association is established between the channel service information and the channel tag library.

[0062] All original channel business information is matched one by one with the channel label library generated in the above operation S230 to establish a relationship between the channel business information and the channel label, thereby improving the channel management level.

[0063] In operation S250, a maintenance mode of the channel information under the channel tag library is determined based on the association.

[0064] Figure 3 The operational flow chart of channel tag maintenance according to the first embodiment of the present disclosure is schematically shown.

[0065] like Figure 3 As shown, the channel information under the channel label library is maintained according to the head office level, branch level and outlet level.

[0066] Among them, the maintenance mode at the head office level includes: the head office level is used to maintain all channel label information at the branch level and outlet level, add or delete the name or category information of the channel label library according to the generation and changes of the channel label library, and maintain and review the added and deleted channel label library.

[0067] The maintenance mode at the branch level includes: the branch level is used to maintain the channel label information within the bank, and is also used to modify the channel label information within the bank according to the additions and deletions to the channel label library at the head office level. After the modification, it is submitted to the same level or the previous level for review, and the modified content is called and displayed after review.

[0068] The branch-level maintenance mode includes: the branch level is used to maintain the channel label information within the branch, and is also used to modify the channel label information within the branch according to the additions and deletions to the channel label library at the head office level, and submit the modified information to the branch level for review.

[0069] It is understandable that there can be multiple branches at the branch level, and each branch is at the same level. Similarly, there can be multiple outlets at the outlet level, and each outlet is at the same level. The priorities of the head office level, branch level, and outlet level decrease in sequence.

[0070] Specifically, the branch information administrator at the head office level maintains the business label information of all branches of the bank and sets label names, categories and other information. After it takes effect immediately, the branch information administrators of the first-level branches, second-level branches or branches maintain the basic information and business label information of the branches. After entering the basic information of the business labels and setting the display priority and other information, the branch information administrators at the same level or the previous level will review the information. Only after the review is passed can it be queried and displayed in the downstream system.

[0071] The centralized channel information management disclosed in this disclosure improves the management efficiency of channel information and ensures that the caliber is consistent, accurate and unique.

[0072] In the first embodiment of the present disclosure, the channel information management method is used for new product launch operations or channel information organization layout.

[0073] Specifically, new product launch operations, such as the launch of new social insurance products, will be prioritized for pilot testing at outlets with more social insurance business in the channel tag. In this way, the application of channel tags fully utilizes the great advantages of rapid resource integration and improved management efficiency, and realizes the efficient and accurate launch of new social insurance products.

[0074] Channel information organization layout, for example, in the bank branch layout, for the branches that are frequently visited by high-end customers, dedicated account managers can be assigned to these branches. The application of channel tags can significantly reduce the daily repetitive and redundant maintenance content of grassroots banks and improve management efficiency.

[0075] Through the first embodiment of the present disclosure, a commercial bank channel management system is established to integrate multi-dimensional channel information, reduce daily repetitive and redundant maintenance content of grassroots banks, improve management efficiency, and empower business marketing based on detailed channel management.

[0076] For the sake of brevity, the channel information management method of the second embodiment of the present disclosure will not be described in detail with respect to features that are the same or similar to those of the first embodiment. Only features that are different from those of the first embodiment will be described below.

[0077] Figure 4 The flowchart of the channel information management method according to the second embodiment of the present disclosure is schematically shown.

[0078] like Figure 4 As shown, the channel information management method may include operations S410 to S470.

[0079] In operation S410, the use traces of the channel service are collected;

[0080] In operation S420, the usage traces are analyzed to extract characteristic access channels;

[0081] In operation S430, the characteristic access channel is used to generate a channel label library according to the channel label generation rule;

[0082] In operation S440, based on a preset rule, the channel effectiveness of the feature access channel is calculated according to the business usage traces of the feature access channel and the channel construction and maintenance costs;

[0083] In operation S450, the channel tag library is updated according to the channel performance priority of the characteristic access channel;

[0084] In operation S460, an association is established between the channel business information and the channel tag library;

[0085] In operation S470, a maintenance mode of the channel information under the channel tag library is determined based on the association.

[0086] Among them, operation steps S410-S430 and S460-S470 of the second embodiment of the present disclosure respectively correspond to operation steps S210-S250 of the first embodiment of the present disclosure, and are not repeated here.

[0087] It can be seen that the difference between the second embodiment of the present disclosure and the first embodiment is that the present disclosure adds operations S440 to S450.

[0088] Through the second embodiment of the present disclosure, the channel efficiency quantification value compares the operation status of each feature access channel horizontally through the channel label, monitors the channel efficiency of each feature access channel, and realizes the scientific optimization of the channel layout.

[0089] Figure 5 A block diagram schematically shows a channel information management device according to a third embodiment of the present disclosure.

[0090] like Figure 5 As shown, the channel information management device 500 may include a trace collection module 510 , an analysis and extraction module 520 , a label generation module 530 , a label association module 540 and a label maintenance module 550 .

[0091] The trace collection module 510 is used to collect the usage traces of the channel business;

[0092] An analysis and extraction module 520 is used to analyze usage traces and extract characteristic access channels;

[0093] The label generation module 530 is used to generate a channel label library according to the channel label generation rules based on the characteristic access channel;

[0094] The tag association module 540 is used to establish the association between the channel business information and the channel tag library;

[0095] The tag maintenance module 550 is used to determine the maintenance mode of the channel information under the channel tag library based on the association.

[0096] According to the third embodiment of the present disclosure, the analysis and extraction module is specifically used to classify and prioritize usage traces according to regional attributes, experience attributes, security attributes or usage attributes, and extract feature access channels based on the classification and priority ranking results.

[0097] It should be noted that the apparatus part of the third embodiment of the present disclosure corresponds to the method part of the first embodiment of the present disclosure. The description of the apparatus part specifically refers to the method part and will not be repeated here.

[0098] Figure 6 A block diagram schematically shows a channel information management device according to a fourth embodiment of the present disclosure.

[0099] like Figure 6 As shown, the channel information management device 600 may include a trace collection module 610 , an analysis and extraction module 620 , a label generation module 630 , an efficiency calculation module 640 , an efficiency supervision module 650 , a label association module 660 and a label maintenance module 670 .

[0100] The efficiency calculation module 640 is used to calculate the channel efficiency of the characteristic access channel based on the preset rules and the business usage traces and channel construction and maintenance costs of the characteristic access channel;

[0101] The performance monitoring module 650 is used to update the channel tag library according to the channel performance priority of the feature access channel.

[0102] The trace collection module 610, analysis and extraction module 620, label generation module 630, label association module 660 and label maintenance module 670 of the fourth embodiment of the present disclosure respectively correspond one-to-one with the trace collection module 510, analysis and extraction module 520, label generation module 530, label association module 540 and label maintenance module 550 of the third embodiment of the present disclosure, and are not repeated here.

[0103] It should be noted that the device part of the fourth embodiment of the present disclosure corresponds to the method part of the second embodiment of the present disclosure. The description of the device part specifically refers to the method part and will not be repeated here.

[0104] According to the embodiment of the present disclosure, any one or more of the trace collection module 510, the analysis and extraction module 520, the label generation module 530, the label association module 540, the label maintenance module 550, the performance calculation module 640 and the performance monitoring module 650, or at least part of the functions of any one of them can be implemented in one module. According to the embodiment of the present disclosure, any one or more of the modules, sub-modules, units, and sub-units can be split into multiple modules for implementation. According to the embodiment of the present disclosure, any one or more of the trace collection module 510, the analysis and extraction module 520, the label generation module 530, the label association module 540, the label maintenance module 550, the performance calculation module 640 and the performance monitoring module 650 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware in any other reasonable way of integrating or packaging the circuit, or in any one of the three implementation methods of software, hardware and firmware, or in any appropriate combination of any of them. Alternatively, according to the embodiments of the present disclosure, one or more of the trace collection module 510, the analysis and extraction module 520, the label generation module 530, the label association module 540, the label maintenance module 550, the performance calculation module 640 and the performance monitoring module 650 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is executed.

[0105] Figure 7 A block diagram of an electronic device according to an embodiment of the present disclosure is schematically shown. Figure 7 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present disclosure.

[0106] like Figure 7 As shown, the electronic device 700 includes a processor 710 and a computer-readable storage medium 720. The electronic device 700 can execute the method according to the embodiment of the present disclosure.

[0107] Specifically, the processor 710 may include, for example, a general-purpose microprocessor, an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 710 may also include an onboard memory for cache purposes. The processor 710 may be a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0108] The computer-readable storage medium 720 may be, for example, a non-volatile computer-readable storage medium, and specific examples include but are not limited to: a magnetic storage device, such as a magnetic tape or a hard disk (HDD); an optical storage device, such as a compact disk (CD-ROM); a memory, such as a random access memory (RAM) or flash memory; and the like.

[0109] The computer-readable storage medium 720 may include a computer program 721 , which may include code / computer-executable instructions that, when executed by the processor 710 , cause the processor 710 to perform a method according to an embodiment of the present disclosure or any variation thereof.

[0110] The computer program 721 may be configured to have, for example, a computer program code including a computer program module. For example, in an example embodiment, the code in the computer program 721 may include one or more program modules, for example, including 721A, module 721B, ... It should be noted that the division method and number of modules are not fixed, and those skilled in the art may use appropriate program modules or program module combinations according to actual conditions, and when these program module combinations are executed by the processor 710, the processor 710 may execute the method according to the embodiment of the present disclosure or any variation thereof.

[0111] According to an embodiment of the present disclosure, at least one of the trace collection module 510, the analysis and extraction module 520, the label generation module 530, the label association module 540, the label maintenance module 550, the performance calculation module 640 and the performance supervision module 650 can be implemented as a reference. Figure 7 The computer program modules described herein, when executed by the processor 710, can implement the corresponding operations described above.

[0112] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0113] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0114] It will be appreciated by those skilled in the art that, although the present disclosure has been shown and described with reference to specific exemplary embodiments of the present disclosure, it will be appreciated by those skilled in the art that, without departing from the spirit and scope of the present disclosure as defined by the appended claims and their equivalents, various changes in form and detail may be made to the present disclosure. Therefore, the scope of the present disclosure should not be limited to the above-described embodiments, but should be determined not only by the appended claims, but also by the equivalents of the appended claims.

Claims

1. A channel information management method, characterized in that: include: Collect usage traces of channel services; Analyze the usage traces and extract characteristic access channels; Generate a channel tag library based on the characteristic access channel according to the channel tag generation rules; the channel tag library is used for new product launch operation or channel information organization layout; Establish the association between channel business information and channel tag library; Determine a maintenance mode for channel information under the channel tag library based on the association; The analyzing the usage traces and extracting characteristic access channels includes: classifying and prioritizing the usage traces according to regional attributes, experience attributes, security attributes or usage attributes, and extracting characteristic access channels based on the classification and priority ranking results; The channel business includes: at least one of the following: counter and manual channels, partner direct channels, electronic channels, self-service channels, information service release channels, and channel contact information physical tables; The characteristic access channels include: channels preferred by young users, channels for handling social security business, channels preferred by high-end customers, channels preferred by corporate business, channels for high-frequency trading of financial products, or channels for intelligent services; The maintenance mode of the channel information under the channel label library includes: maintaining the channel information under the channel label library according to the head office level, branch level and outlet level.

2. The channel information management method according to claim 1, characterized in that: The channel label generation rules include: The calculation formula, calculation frequency or indicator of the channel label.

3. The channel information management method according to claim 1, characterized in that: The head office level maintenance modes include: The head office level is used to maintain all channel label information at the branch level and the outlet level, add or delete the name or category information of the channel label library according to the generation and changes of the channel label library, and maintain and review the added and deleted channel label library.

4. The channel information management method according to claim 1, characterized in that: The branch-level maintenance modes include: The branch level is used to maintain the channel label information within the bank, and is also used to modify the channel label information within the bank according to the additions and deletions to the channel label library at the head office level. After the modification, it is submitted to the same level or the previous level for review, and the modified content is called and displayed after review.

5. The channel information management method according to claim 1, characterized in that: The maintenance modes at the network level include: The branch level is used to maintain the channel label information within the branch, and is also used to modify the channel label information within the branch according to the additions and deletions to the channel label library at the head office level, and submit the modified information to the branch level for review.

6. The channel information management method according to claim 1, characterized in that: The method further comprises: Based on preset rules, the channel effectiveness of the characteristic access channel is calculated according to the business usage traces of the characteristic access channel and the channel construction and maintenance costs; The channel tag library is updated according to the channel performance priority of the feature access channel.

7. A channel information management device, characterized in that: include: Trace collection module, used to collect usage traces of channel services; An analysis and extraction module, used to analyze the usage traces and extract characteristic access channels; A label generation module is used to generate a channel label library according to the channel label generation rules based on the feature access channel; the channel label library is used for new product launch operation or channel information organization layout; The label association module is used to establish the association between channel business information and channel label library; A label maintenance module, used to determine a maintenance mode of the channel information under the channel label library based on the association; Among them, the analysis and extraction module is specifically used to: classify and prioritize the usage traces according to regional attributes, experience attributes, security attributes or usage attributes, and extract characteristic access channels based on the classification and priority ranking results; the channel business includes: counter and manual channels, partner direct channels, electronic channels, self-service channels, information service release channels, and at least one of the physical tables of channel contact information; the characteristic access channels include: young user preference channels, social security business processing channels, high-end customer preference channels, corporate business preference channels, financial product high-frequency trading channels or intelligent service channels; the maintenance mode of the channel information under the channel label library includes: maintaining the channel information under the channel label library according to the head office level, branch level and outlet level.

8. The channel information management device according to claim 7, characterized in that: The device also includes: An efficiency calculation module, used to calculate the channel efficiency of the characteristic access channel based on preset rules and the business usage traces and channel construction and maintenance costs of the characteristic access channel; The performance monitoring module is used to update the channel tag library according to the channel performance priority of the feature access channel.

9. An electronic device, comprising: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 6.

10. A computer-readable storage medium storing computer-executable instructions, wherein the instructions are used to implement the method according to any one of claims 1 to 6 when executed.

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