Service Quality Tracking Method, Device, Computer Equipment and Storage Medium

Abstract

The present application relates to a method, apparatus, computer device, storage medium, and computer program product for service quality tracking. The method includes: receiving a service quality tracking request, where the service quality tracking request carries a user identifier; obtaining, according to the user identifier, the basic data of the corresponding merchant, and the basic data includes merchant asset information and merchant acquiring information; obtaining, according to the merchant asset information, a new value of the asset management scale corresponding to the merchant, and determining, according to the merchant acquiring information and the merchant asset information, a merchant contribution index value corresponding to the merchant; weighting the new value of the asset management scale and the merchant contribution index value to obtain a service quality tracking result corresponding to the user identifier. By using this method, the service quality can be comprehensively tracked and accurate evaluation can be achieved.

Description

Technical Field

[0001] This application relates to the field of computer technologies, and in particular, to a method, apparatus, computer device, and storage medium for tracking service quality. Background Art

[0002] With the rapid development of the economy, merchant managers have emerged in banks and non-bank financial institutions. A merchant manager refers to a staff member who interfaces with merchants in banks and non-bank financial institutions. In banks and non-bank financial institutions, it is necessary to assess merchant managers to evaluate their service quality.

[0003] In traditional technologies, when assessing merchant managers in banks and non-bank financial institutions, the main method used is to evaluate the performance of merchant managers based on their ability to attract deposits, such as simply evaluating the deposit amounts of merchant managers at the end of the month, quarter, or year.

[0004] However, due to the single assessment method in traditional technologies, the evaluation may be inaccurate and unable to truly reflect the service quality of merchant managers. Summary of the Invention

[0005] Based on this, it is necessary to provide a method, apparatus, computer device, computer-readable storage medium, and computer program product for tracking service quality comprehensively to achieve accurate evaluation in view of the above technical problems.

[0006] In a first aspect, this application provides a method for tracking service quality. The method includes:

[0007] Receiving a service quality tracking request, where the service quality tracking request carries a user identifier;

[0008] Obtaining the basic data of the corresponding merchant according to the user identifier, where the basic data includes merchant asset information and merchant acquiring information;

[0009] Obtaining an asset management scale increase index value corresponding to the merchant according to the merchant asset information, and determining a merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information;

[0010] Weighting the asset management scale increase index value and the merchant contribution index value to obtain a service quality tracking result corresponding to the user identifier.

[0011] In one embodiment, the merchant includes an individual merchant; obtaining an asset management scale increase index value corresponding to the merchant according to the merchant asset information, and determining a merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information includes:

[0012] Determine the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date according to the merchant's asset information, and obtain the new index value of the asset management scale;

[0013] Determine the merchant contribution index value according to the total number of transactions and the total transaction amount in the merchant's card acceptance information and the average daily deposit in the personal account in the merchant's asset information.

[0014] In one embodiment, the merchant includes a corporate merchant; according to the merchant's asset information, obtain the new index value of the asset management scale corresponding to the merchant, and according to the merchant's card acceptance information and the merchant's asset information, determine the merchant contribution index value corresponding to the merchant, including:

[0015] Determine the second increment and the second growth rate between the average daily deposit in the settlement account and the deposit on the preset comparison date according to the merchant's asset information, and obtain the new index value of the asset management scale;

[0016] Determine the merchant contribution index value according to the total number of transactions and the total transaction amount in the merchant's card acceptance information and the net increment of the average daily deposit in the settlement account in the merchant's asset information.

[0017] In one embodiment, weight the new index value of the asset management scale and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier, including:

[0018] Determine the index ratio between the merchant contribution index value and the new index value of the asset management scale;

[0019] Amplify the new index value of the asset management scale according to the index ratio;

[0020] Perform weighted summation on the merchant contribution index value and the amplified new index value of the asset management scale to obtain the service quality tracking result corresponding to the user identifier.

[0021] In one embodiment, the basic data includes the daily transfer amount and the daily incoming amount; the service quality tracking method further includes:

[0022] Determine the amount turnover ratio for each month within the preset tracking period according to the daily transfer amount and the daily incoming amount, and the amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio;

[0023] When the daily amount turnover ratio and / or the monthly amount turnover ratio reaches the preset turnover warning condition, push a turnover warning prompt according to the user identifier.

[0024] In one embodiment, the basic data includes the average monthly asset management scale value and the total monthly card acceptance amount; the service quality tracking method further includes:

[0025] Determine the merchant churn rate based on the average monthly asset management scale value and the total monthly acquirer amount.

[0026] When the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identifier.

[0027] In a second aspect, the present application also provides a service quality tracking device. The device includes:

[0028] A receiving module, configured to receive a service quality tracking request, where the service quality tracking request carries a user identifier;

[0029] An obtaining module, configured to obtain the basic data of the corresponding merchant according to the user identifier, where the basic data includes merchant asset information and merchant acquirer information;

[0030] An index determination module, configured to obtain an asset management scale new index value corresponding to the merchant according to the merchant asset information, and determine a merchant contribution index value corresponding to the merchant according to the merchant acquirer information and the merchant asset information;

[0031] A tracking module, configured to weight the asset management scale new index value and the merchant contribution index value to obtain a service quality tracking result corresponding to the user identifier.

[0032] In one embodiment, the merchant includes an individual merchant; the index determination module is further configured to determine a first increment and a first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date according to the merchant asset information, to obtain the asset management scale new index value, and determine the merchant contribution index value according to the total acquirer volume, the total acquirer amount in the merchant acquirer information, and the average daily deposit in the personal account in the merchant asset information.

[0033] In one embodiment, the merchant includes a corporate merchant; the index determination module is further configured to determine a second increment and a second growth rate between the average daily deposit in the settlement account and the deposit on the preset comparison date according to the merchant asset information, to obtain the asset management scale new index value, and determine the merchant contribution index value according to the total acquirer volume, the total acquirer amount in the merchant acquirer information, and the net increment of the average daily deposit in the settlement account in the merchant asset information.

[0034] In one embodiment, the tracking module is further configured to determine an index ratio between the merchant contribution index value and the asset management scale new index value, and according to the index ratio, amplify the asset management scale new index value, and perform weighted summation on the merchant contribution index value and the amplified asset management scale new index value to obtain a service quality tracking result corresponding to the user identifier.

[0035] In one embodiment, the basic data includes the daily transfer amount and the daily credit amount; the device further includes a transfer warning module, and the transfer warning includes determining the amount transfer ratio for each month within a preset tracking period according to the daily transfer amount and the daily credit amount. The amount transfer ratio includes the daily amount transfer ratio and the monthly amount transfer ratio. When the daily amount transfer ratio and / or the monthly amount transfer ratio reaches the preset transfer warning condition, a transfer warning prompt is pushed according to the user identifier.

[0036] In one embodiment, the basic data includes the average monthly asset management scale value and the total monthly acquirer amount; the device further includes a churn warning module, and the churn warning module is used to determine the merchant churn rate according to the average monthly asset management scale value and the total monthly acquirer amount. When the merchant churn rate reaches the preset churn rate threshold, a churn warning prompt is pushed according to the user identifier.

[0037] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0038] Receive a service quality tracking request, and the service quality tracking request carries a user identifier;

[0039] According to the user identifier, obtain the basic data of the corresponding merchant, and the basic data includes merchant asset information and merchant acquirer information;

[0040] According to the merchant asset information, obtain the newly added asset management scale index value corresponding to the merchant, and according to the merchant acquirer information and the merchant asset information, determine the merchant contribution index value corresponding to the merchant;

[0041] Weight the newly added asset management scale index value and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier.

[0042] In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0043] Receive a service quality tracking request, and the service quality tracking request carries a user identifier;

[0044] According to the user identifier, obtain the basic data of the corresponding merchant, and the basic data includes merchant asset information and merchant acquirer information;

[0045] According to the merchant asset information, obtain the newly added asset management scale index value corresponding to the merchant, and according to the merchant acquirer information and the merchant asset information, determine the merchant contribution index value corresponding to the merchant;

[0046] Add the newly added indicator value of the asset management scale and the merchant contribution indicator value to obtain the service quality tracking result corresponding to the user identifier.

[0047] In a fifth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the following steps are implemented:

[0048] Receive a service quality tracking request, where the service quality tracking request carries a user identifier;

[0049] According to the user identifier, obtain the basic data of the corresponding merchant, where the basic data includes merchant asset information and merchant acquiring information;

[0050] According to the merchant asset information, obtain the newly added indicator value of the asset management scale corresponding to the merchant, and according to the merchant acquiring information and the merchant asset information, determine the merchant contribution indicator value corresponding to the merchant;

[0051] Add the newly added indicator value of the asset management scale and the merchant contribution indicator value to obtain the service quality tracking result corresponding to the user identifier.

[0052] In the above service quality tracking method, device, computer device, storage medium, and computer program product, after receiving the service quality tracking request, the basic data of the corresponding merchant is obtained according to the user identifier carried therein. According to the merchant asset information in the basic data, the newly added indicator value of the asset management scale corresponding to the merchant is obtained. According to the merchant acquiring information and the merchant asset information in the basic data, the merchant contribution indicator value corresponding to the merchant is determined. The service quality tracking result corresponding to the user identifier can be obtained by using the newly added indicator value of the asset management scale and the merchant contribution indicator value. In the whole process, by first determining the indicator values from the merchant asset information and the merchant acquiring information, and then weighting the indicator values to obtain the service quality tracking result, the service quality can be comprehensively tracked and accurately evaluated. Description of the Drawings

[0053] Figure 1 It is an application environment diagram of the service quality tracking method in an embodiment;

[0054] Figure 2 It is a flowchart of the service quality tracking method in an embodiment;

[0055] Figure 3 It is a flowchart of the service quality tracking method in another embodiment;

[0056] Figure 4 It is a structural block diagram of the service quality tracking device in an embodiment;

[0057] Figure 5Internal structure diagram of a computer device in an embodiment. Detailed implementation manners

[0058] To make the objectives, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0059] The service quality tracking method provided by the embodiments of the present application can be applied to an application environment as Figure 1 shown. When service quality tracking is required, a staff member inputs a service quality tracking request carrying a user identifier to a terminal. The terminal receives the service quality tracking request, and the service quality tracking request carries the user identifier. According to the user identifier, basic data of the corresponding merchant is obtained. The basic data includes merchant asset information and merchant acquiring information. According to the merchant asset information, an increased value of the asset management scale corresponding to the merchant is obtained, and according to the merchant acquiring information and the merchant asset information, a merchant contribution index value corresponding to the merchant is determined. The increased value of the asset management scale index and the merchant contribution index value are weighted to obtain a service quality tracking result corresponding to the user identifier. Among them, the terminal can be, but is not limited to, various personal computers, laptop computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. The portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc.

[0060] In one embodiment, as Figure 2 shown, a service quality tracking method is provided. Taking the method applied to the Figure 1 terminal as an example, the method includes the following steps:

[0061] Step 202: Receive a service quality tracking request, and the service quality tracking request carries a user identifier.

[0062] Among them, the service quality tracking request refers to a request for tracking the service quality of a merchant manager. The user identifier refers to an identifier used to distinguish merchant managers. For example, the user identifier can specifically refer to the employee number of the merchant manager.

[0063] Specifically, when it is necessary to track the service quality of a merchant manager, the staff will input a service quality tracking request carrying the user identification to the terminal. After receiving the service quality tracking request, the terminal will track the merchant manager corresponding to the user identification according to the service quality tracking request. For example, a service quality tracking interface will be displayed on the terminal, and the staff can select the user identification and start tracking on the service quality tracking interface. Further, the service quality of at least two merchant managers can be tracked simultaneously. At this time, the staff will input a service quality tracking request written to at least two user identifications to the terminal.

[0064] Step 204: Obtain the basic data of the corresponding merchant according to the user identification. The basic data includes merchant asset information and merchant acquiring information.

[0065] Among them, the corresponding merchant refers to the merchant corresponding to the merchant manager corresponding to the user identification, that is, the merchant responsible for by the merchant manager corresponding to the user identification. The basic data refers to the data related to the merchant's business in the bank, including merchant asset information, merchant acquiring information, daily transfer amount, daily incoming amount, monthly average asset management scale value, and total monthly acquiring amount, etc.

[0066] Among them, the merchant asset information is used to describe the merchant asset situation, including the average daily asset management scale and average daily deposit, etc. The merchant acquiring information is used to describe the merchant acquiring situation, including the total acquiring volume and total acquiring amount. The daily transfer amount refers to the amount transferred from the merchant account every day, and the daily incoming amount refers to the amount incoming to the merchant account every day. The monthly average asset management scale value refers to the average asset management scale per month, and the total monthly acquiring amount refers to the income amount brought by the merchant account through acquiring every month.

[0067] Specifically, the user identification corresponds to the merchant manager. The terminal can obtain the basic data of the merchant belonging to the management of the merchant manager according to the user identification.

[0068] Step 206: Obtain the newly added index value of the asset management scale corresponding to the merchant according to the merchant asset information, and determine the merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information.

[0069] Among them, the asset management scale is an index that measures the scale of the asset management business of a financial institution and is the total market value of the customer assets currently managed by the institution. The asset management scale corresponding to the merchant refers to the total market value of the merchant assets currently managed. The newly added index value of the asset management scale is used to describe the newly added situation of the merchant's asset management scale. The merchant contribution index value is used to describe the contribution of the merchant to the service quality of the merchant manager.

[0070] Specifically, merchants include individual merchants and corporate merchants. For individual merchants and corporate merchants, the terminal will adopt different methods. Based on the merchant asset information, the corresponding newly added asset management scale index value will be obtained, and based on the merchant acquiring information and merchant asset information, the corresponding merchant contribution index value will be obtained. Among them, for the newly added asset management scale index value, it is mainly evaluated from two dimensions: increment and growth rate. Specifically, for individual merchants, it is mainly evaluated using the newly added average daily asset management scale, and for corporate merchants, it is mainly evaluated using the newly added average daily deposit in the settlement account. Among them, for the merchant contribution index value, for individual merchants, it is mainly evaluated from the total volume of acquiring, the total amount of acquiring, and the average daily deposit, and for corporate merchants, it is mainly evaluated from the total volume of acquiring, the total amount of acquiring, and the net increment of the average daily deposit in the settlement account.

[0071] Step 208: Weight the newly added asset management scale index value and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier.

[0072] Among them, the service quality tracking result corresponding to the user identifier refers to the service quality tracking result of the merchant manager corresponding to the user identifier.

[0073] Specifically, after obtaining the newly added asset management scale index value and the merchant contribution index value, the terminal will perform weighted summation on the newly added asset management scale index value and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier. Further, the terminal needs to weight the newly added asset management scale index value and the merchant contribution index value under the same dimension in order to obtain an accurate service quality tracking result. At this time, the terminal will determine the index ratio between the merchant contribution index value and the newly added asset management scale index value, and based on the index ratio, amplify the newly added asset management scale index value, and then perform weighted summation on the merchant contribution index value and the amplified newly added asset management scale index value under the same dimension to obtain an accurate service quality tracking result.

[0074] The above service quality tracking method, after receiving a service quality tracking request, obtains the basic data of the corresponding merchant according to the user identifier carried therein, obtains the newly added asset management scale index value corresponding to the merchant according to the merchant asset information in the basic data, and determines the merchant contribution index value corresponding to the merchant according to the merchant acquiring information and merchant asset information in the basic data. It can use the weighted newly added asset management scale index value and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier. In the whole process, by first determining the index values from the merchant asset information and merchant acquiring information, and then weighting the index values to obtain the service quality tracking result, it can comprehensively track the service quality and achieve accurate evaluation.

[0075] In one embodiment, the merchant includes an individual merchant; according to the merchant asset information, the newly added index value of the asset management scale corresponding to the merchant is obtained, and according to the merchant acquiring information and the merchant asset information, the merchant contribution index value corresponding to the merchant is determined, including:

[0076] According to the merchant asset information, determine the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date, and obtain the newly added index value of the asset management scale;

[0077] According to the total volume of acquisitions and the total acquisition amount in the merchant acquiring information and the average daily deposit of the personal account in the merchant asset information, determine the merchant contribution index value.

[0078] Among them, the preset comparison date refers to the benchmark date set in advance for comparison. For example, the preset comparison date can specifically refer to the first day of this year. The average daily asset management scale refers to the average daily asset management scale of this year.

[0079] Specifically, when the merchant is an individual merchant, the terminal will use the asset management scale on the preset comparison date as the comparison basis, determine the first increment and the first growth rate between the average daily asset management scale in the merchant asset information and the comparison base, take the first increment and the first growth rate as the newly added index value of the asset management scale, and according to the total volume of acquisitions and the total acquisition amount in the merchant acquiring information and the average daily deposit of the personal account in the merchant asset information, compare with the preset personal merchant contribution standard table to determine the merchant contribution index value.

[0080] Among them, the corresponding relationship between the total volume of acquisitions and the total acquisition amount in the merchant acquiring information, the average daily deposit of the personal account in the merchant asset information, and the merchant contribution index value is preset in the preset personal merchant contribution standard table. Through comparison, the terminal can determine the merchant contribution index value corresponding to the individual merchant. It should be noted that the merchant contribution index value is determined by dividing the intervals according to the total volume of acquisitions, the total acquisition amount, and the average daily deposit of the personal account, and is positively correlated with the total volume of acquisitions, the total acquisition amount, and the average daily deposit of the personal account.

[0081] Specifically, when taking the first increment and the first growth rate as the newly added index value of the asset management scale, since the numerical gap between the first increment and the first growth rate may be too large, the server will perform normalization processing on the first increment and the first growth rate respectively, so that the first increment and the first growth rate are normalized to the same dimension, and have the same impact on the newly added index value of the asset management scale, to ensure the accuracy of the newly added index value of the asset management scale. The newly added index value of the asset management scale can specifically be the sum of the normalized first increment and the first growth rate.

[0082] For example, the terminal can obtain the maximum increment and the maximum growth rate corresponding to an individual merchant, normalize the first increment according to the maximum increment, and normalize the first growth rate according to the maximum growth rate. Among them, the maximum increment and the maximum growth rate can be the maximum values obtained based on the historical basic information of all individual merchants, or can be the maximum values obtained by sorting the first increments and the first growth rates of all individual merchants when the number of individual merchants is at least two.

[0083] For example, the preset individual merchant contribution standard table can be as shown in Table 1 below, and the conversion coefficient here is the merchant contribution index value.

[0084] Table 1

[0085]

[0086] In this embodiment, when the merchant is an individual merchant, by determining the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date according to the merchant asset information, the corresponding new asset management scale index value can be obtained based on the first increment and the first growth rate. By calculating the merchant contribution index value according to the total number of transactions and the total transaction amount in the merchant payment information and the average daily deposit in the personal account in the merchant asset information, the acquisition of the merchant contribution index value can be realized.

[0087] In one embodiment, the merchant includes a corporate merchant; according to the merchant asset information, obtaining the new asset management scale index value corresponding to the merchant, and according to the merchant payment information and the merchant asset information, determining the merchant contribution index value corresponding to the merchant includes:

[0088] According to the merchant asset information, determining the second increment and the second growth rate between the average daily deposit in the settlement account and the deposit on the preset comparison date, and obtaining the new asset management scale index value;

[0089] According to the total number of transactions and the total transaction amount in the merchant payment information and the net increment of the average daily deposit in the settlement account in the merchant asset information, determining the merchant contribution index value.

[0090] Among them, the settlement account refers to the corporate account used by the corporate merchant for settlement.

[0091] Specifically, when the merchant is a corporate merchant, the terminal takes the deposit on the preset comparison date as the comparison base, determines the second increment and the second increment between the average daily deposit in the settlement account in the merchant asset information and the comparison base, takes the second increment and the second growth rate as the new asset management scale index value, and compares the preset corporate merchant contribution standard table according to the total number of transactions and the total transaction amount in the merchant payment information and the net increment of the average daily deposit in the settlement account in the merchant asset information to determine the merchant contribution index value.

[0092] Among them, the corresponding relationship between the total volume of acquiring, the total amount of acquiring, and the net increase in the average daily deposit of the settlement account in the merchant asset information and the merchant contribution standard value is preset in the preset corporate merchant contribution standard table. Through comparison, the terminal can determine the merchant contribution index value corresponding to the corporate merchant. It should be noted that the merchant contribution index value is determined by dividing the intervals according to the total volume of acquiring, the total amount of acquiring, and the net increase in the average daily deposit of the settlement account, and is positively correlated with the total volume of acquiring, the total amount of acquiring, and the average daily deposit of the personal account.

[0093] Specifically, when the second increment and the second growth rate are used as the new index value of the asset management scale, since the numerical gap between the second increment and the second growth rate may be too large, the server will perform normalization processing on the second increment and the second growth rate respectively, so that the second increment and the second growth rate are normalized to the same dimension, and have the same impact on the new index value of the asset management scale, to ensure the accuracy of the new index value of the asset management scale. The new index value of the asset management scale can specifically be the sum of the normalized second increment and the second growth rate. For example, the terminal can obtain the maximum increment and the maximum growth rate corresponding to the corporate merchant, and perform normalization processing on the second increment according to the maximum increment, and perform normalization processing on the second growth rate according to the maximum growth rate. Among them, the maximum increment and the maximum growth rate can be the maximum values obtained based on the historical basic information of all corporate merchants, or can be the maximum values obtained by sorting the second increments and the second growth rates of all corporate merchants when the number of corporate merchants is at least two.

[0094] For example, the preset corporate merchant contribution standard table can be as shown in Table 2 below, and the conversion coefficient here is the merchant contribution index value.

[0095] Table 2

[0096]

[0097] In this embodiment, by determining the second increment and the second growth rate between the average daily deposit of the settlement account and the deposit on the preset comparison date according to the merchant asset information, the new index value of the asset management scale can be obtained based on the second increment and the second growth rate. By calculating the merchant contribution index value according to the total volume of acquiring, the total amount of acquiring in the merchant acquiring information, and the net increase in the average daily deposit of the settlement account in the merchant asset information, the determination of the merchant contribution index value can be realized.

[0098] In one embodiment, the merchants include individual merchants and corporate merchants. The terminal will calculate the newly added index values of the asset management scale corresponding to the individual merchants and corporate merchants respectively, add up the newly added index values of the asset management scale corresponding to the individual merchants and corporate merchants to obtain the newly added index value of the asset management scale, and calculate the merchant contribution index values corresponding to the individual merchants and corporate merchants respectively, and add up the merchant contribution index values corresponding to the individual merchants and corporate merchants to obtain the merchant contribution index value.

[0099] In one embodiment, weighting the newly added index value of the asset management scale and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identifier includes:

[0100] Determine the index ratio between the merchant contribution index value and the newly added index value of the asset management scale;

[0101] According to the index ratio, amplify the newly added index value of the asset management scale;

[0102] Perform a weighted sum of the merchant contribution index value and the amplified newly added index value of the asset management scale to obtain the service quality tracking result corresponding to the user identifier.

[0103] Specifically, the terminal will determine the index ratio between the merchant contribution index value and the newly added index value of the asset management scale. According to the index ratio, amplify the newly added index value of the asset management scale so that the merchant contribution index value and the newly added index value of the asset management scale are in the same dimension, and then perform a weighted sum of the merchant contribution index value and the amplified newly added index value of the asset management scale according to the preset weight coefficient to obtain the service quality tracking result corresponding to the user identifier. Among them, the preset weight coefficient can be set by itself as needed, including the coefficients corresponding to the merchant contribution index value and the amplified newly added index value of the asset management scale respectively.

[0104] In this embodiment, by determining the index ratio between the merchant contribution index value and the newly added index value of the asset management scale, and according to the index ratio, amplifying the newly added index value of the asset management scale, it can make the merchant contribution index value and the newly added index value of the asset management scale in the same dimension, and then by performing a weighted sum of the merchant contribution index value and the amplified newly added index value of the asset management scale, an accurate service quality tracking result corresponding to the user identifier can be obtained.

[0105] In one embodiment, the basic data includes the daily transfer amount and the daily incoming amount; the service quality tracking method further includes:

[0106] According to the daily transfer amount and the daily incoming amount, determine the amount turnover ratio for each month within the preset tracking period. The amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio;

[0107] When the daily amount turnover ratio and / or the monthly amount turnover ratio reach the preset turnover warning condition, a turnover warning prompt is pushed according to the user identification.

[0108] Among them, the preset tracking period refers to the period set in advance for tracking the service quality. For example, the preset tracking period can specifically refer to the most recent seven months with the current month as the node.

[0109] Specifically, the terminal will determine the amount turnover ratio for each month within the preset tracking period based on the daily transfer amount and the daily incoming amount. The amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio. After obtaining the amount turnover ratio, the terminal will compare the amount turnover ratio with the preset turnover warning condition. When the daily amount turnover ratio and / or the monthly amount turnover ratio reach the preset turnover warning condition, a turnover warning prompt is pushed to the merchant manager corresponding to the user identification according to the user identification.

[0110] Among them, the preset turnover warning condition can be set according to needs. Different turnover warning conditions can be set for the daily amount turnover ratio and the monthly amount turnover ratio respectively. For example, for the daily amount turnover ratio, the turnover warning condition can be that in half of the months within the preset tracking period, the daily amount turnover ratio with the number of days exceeding the preset turnover threshold in that month is greater than or equal to the preset first amount turnover ratio. Among them, the preset turnover threshold and the preset first amount turnover ratio can be set according to needs. For example, the preset turnover threshold can be 20, and the preset first amount turnover ratio can be 80%. Then the turnover warning condition corresponding to the daily amount turnover ratio can specifically be that in half of the months within the preset tracking period, the daily amount turnover ratio with the number of days exceeding 20 days in that month is greater than or equal to 80%.

[0111] Another example, for the monthly amount turnover ratio, the turnover warning condition can specifically be that in half of the months within the preset tracking period, the monthly amount turnover ratio is greater than or equal to the preset second amount turnover ratio. Among them, the preset second amount turnover ratio can be set according to needs. For example, the preset second amount turnover ratio can be 80%. Then the turnover warning condition corresponding to the monthly amount turnover ratio can specifically be that in half of the months within the preset tracking period, the monthly amount turnover ratio is greater than or equal to 80%.

[0112] In this embodiment, by determining the amount turnover ratio for each month within the preset tracking period based on the daily transfer amount and the daily incoming amount, a turnover warning prompt can be pushed according to the user identification when the daily amount turnover ratio and / or the monthly amount turnover ratio reach the preset turnover warning condition, so as to prompt the merchant manager corresponding to the user identification that there is a turnover risk for the merchant and it is necessary to retain the merchant.

[0113] In one embodiment, the basic data includes the monthly average asset management scale value and the total monthly acquirer amount; the service quality tracking method further includes:

[0114] Determine the merchant churn rate based on the average monthly asset management scale value and the total monthly acquirer amount.

[0115] When the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identification.

[0116] Specifically, the terminal will determine the merchant churn rate according to the average monthly asset management scale value, the total monthly acquirer amount, and the preset churn rate calculation formula, and when the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identification to prompt the merchant manager corresponding to the user identification that there is a risk of merchant churn and the merchant needs to be retained. Among them, the preset churn rate calculation formula can be set by itself according to needs, and the preset churn rate threshold can be set by itself according to needs and corresponds to the specific preset churn rate calculation formula. Further, when the churn rates of at least two merchants reach the preset churn rate threshold, the churn warning prompt pushed by the terminal can include a merchant list, and the merchant list lists the merchants that need to be retained.

[0117] For example, the preset churn rate calculation formula can be: churn rate = (the average monthly asset management scale value of the merchant this month - (the average monthly asset management scale of last month + the total acquirer amount this month)) / the total acquirer amount this month), and the corresponding preset churn rate threshold can be -2, that is, when the churn rate is greater than or equal to -2, it is determined that the merchant churn rate reaches the preset churn rate threshold. Another example, the preset churn rate calculation formula can also be: churn rate = (the average monthly asset management scale value of the merchant this month - (the average monthly asset management scale value of last month + the average daily acquirer amount this month)) / the average daily acquirer amount this month, and the corresponding preset churn rate threshold can be -1.3, that is, when the churn rate is less than -1.3, it is determined that the merchant churn rate reaches the preset churn rate threshold.

[0118] In this embodiment, by determining the merchant churn rate based on the average monthly asset management scale value and the total monthly acquirer amount, a churn warning prompt can be pushed according to the user identification when the merchant churn rate reaches the preset churn rate threshold, realizing churn warning.

[0119] In one embodiment, the terminal can also determine whether a merchant is a high - contribution merchant based on the basic data of the merchant. After determining that the merchant is not a high - contribution merchant, it pushes the merchant list corresponding to the non - high - contribution merchant to the merchant manager to prompt the merchant manager to maintain the non - high - contribution merchant. Among them, since merchants include individual merchants and corporate merchants, when determining whether a merchant is a high - contribution merchant, the terminal will judge whether individual merchants and corporate merchants are high - contribution merchants respectively according to different judgment factors. For example, when judging whether an individual merchant is a high - contribution merchant, the corresponding judgment factors can be the net increase in average daily deposits in the current year, the total amount of acquiring in the current year, and the total volume of acquiring in the current year. The threshold corresponding to each judgment factor can be set according to needs. For example, when judging whether an individual merchant is a high - contribution merchant, the specific threshold corresponding to the judgment factor can be: the net increase in average daily deposits in the current year ≥ 10,000 yuan, and the acquiring transaction amount in the current year ≥ 1,000 yuan, and the number of acquiring transactions in the current year ≥ 24. Another example, when judging whether a corporate merchant is a high - contribution merchant, the corresponding judgment factors can be the increase in average daily deposits in the settlement account in the current year, the total amount of acquiring in the current year, and the total volume of acquiring in the current year. The threshold corresponding to each judgment factor can be set according to needs. For example, when judging whether a corporate merchant is a high - contribution merchant, the specific threshold corresponding to the judgment factor can be: the increase in average daily deposits in the settlement account in the current year ≧ 500,000 yuan, and the acquiring transaction amount in the current year ≧ 400,000 yuan, and the number of acquiring transactions in the current year ≧ 23.

[0120] In one embodiment, the terminal will also display a merchant display interface. Specifically, the terminal will obtain the merchant location information, mark it on the map according to the merchant location information to obtain the merchant display interface, and display the merchant display interface. At the same time, on the merchant display interface, the terminal will also display the business district corresponding to the merchant. Further, the business district includes a center point, which is used to mark the central position in the business district. The user can adjust the central position to update the business district. For example, the user can drag the central position or input the location information of the central position to adjust the central position. After the central position is adjusted, the terminal will update the business district according to the preset business district radius, where the preset business district radius can be set and adjusted in real - time according to needs. Further, the user can also update the center point of the business district by adjusting the business district boundary. For example, the user can select the merchants on the business district boundary to define the business district, so that the terminal can obtain the center point of the new business district according to the business district defined by the user. Further, the merchant classification information will also be displayed on the merchant display interface. Specifically, the terminal will classify the merchants according to the keywords of the gathering place name and divide different types of merchant gathering areas.

[0121] In one embodiment, as Figure 3As shown below, a process schematic diagram is used to illustrate the service quality tracking method of this application. The service quality tracking method specifically includes the following steps:

[0122] Step 302, receive a service quality tracking request, and the service quality tracking request carries a user identifier;

[0123] Step 304, according to the user identifier, obtain the basic data of the corresponding merchant, and the basic data includes merchant asset information and merchant acquiring information;

[0124] Step 306, according to the merchant asset information, obtain the newly added asset management scale index value corresponding to the merchant, and according to the merchant acquiring information and the merchant asset information, determine the merchant contribution index value corresponding to the merchant;

[0125] Step 308, determine the index ratio between the merchant contribution index value and the newly added asset management scale index value;

[0126] Step 310, according to the index ratio, amplify the newly added asset management scale index value;

[0127] Step 312, perform weighted summation on the merchant contribution index value and the amplified newly added asset management scale index value to obtain the service quality tracking result corresponding to the user identifier;

[0128] Step 314, according to the daily transfer amount and the daily incoming amount, determine the amount turnover ratio for each month within the preset tracking period. The amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio;

[0129] Step 316, when the daily amount turnover ratio and / or the monthly amount turnover ratio reaches the preset turnover warning condition, push a turnover warning prompt according to the user identifier;

[0130] Step 318, determine the merchant churn rate according to the average monthly asset management scale value and the total monthly acquiring amount;

[0131] Step 320, when the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identifier.

[0132] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are sequentially shown as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear indication in this article, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0133] Based on the same inventive concept, an embodiment of the present application also provides a service quality tracking device for implementing the service quality tracking method described above. The solution provided by this device to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the service quality tracking device provided below can refer to the limitations on the service quality tracking method in the above text, and will not be repeated here.

[0134] In one embodiment, as Figure 4 shown, a service quality tracking device is provided, including: a receiving module 402, an obtaining module 404, an index determination module 406, and a tracking module 408, where:

[0135] The receiving module 402 is configured to receive a service quality tracking request, and the service quality tracking request carries a user identifier;

[0136] The obtaining module 404 is configured to obtain the basic data of the corresponding merchant according to the user identifier, and the basic data includes merchant asset information and merchant acquiring information;

[0137] The index determination module 406 is configured to obtain an incremental index value of the asset management scale corresponding to the merchant according to the merchant asset information, and determine a merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information;

[0138] The tracking module 408 is configured to weight the incremental index value of the asset management scale and the merchant contribution index value to obtain a service quality tracking result corresponding to the user identifier.

[0139] The above service quality tracking device, after receiving a service quality tracking request, obtains the basic data of the corresponding merchant according to the user identification carried therein, obtains the newly added index value of the asset management scale corresponding to the merchant according to the merchant asset information in the basic data, and determines the merchant contribution index value corresponding to the merchant according to the merchant acquisition information and the merchant asset information in the basic data. It can use the newly added index value of the weighted asset management scale and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identification. In the whole process, by first determining the index values from the merchant asset information and the merchant acquisition information, and then weighting the index values to obtain the service quality tracking result, it can comprehensively track the service quality and achieve accurate evaluation.

[0140] In one embodiment, the merchant includes individual merchants; the index determination module is further configured to determine the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date according to the merchant asset information, obtain the newly added index value of the asset management scale, and determine the merchant contribution index value according to the total acquisition volume and the total acquisition amount in the merchant acquisition information and the average daily deposit of the personal account in the merchant asset information.

[0141] In one embodiment, the merchant includes corporate merchants; the index determination module is further configured to determine the second increment and the second growth rate between the average daily deposit of the settlement account and the deposit on the preset comparison date according to the merchant asset information, obtain the newly added index value of the asset management scale, and determine the merchant contribution index value according to the total acquisition volume and the total acquisition amount in the merchant acquisition information and the net increment of the average daily deposit of the settlement account in the merchant asset information.

[0142] In one embodiment, the tracking module is further configured to determine the index ratio between the merchant contribution index value and the newly added index value of the asset management scale, amplify the newly added index value of the asset management scale according to the index ratio, and perform weighted summation on the merchant contribution index value and the amplified newly added index value of the asset management scale to obtain the service quality tracking result corresponding to the user identification.

[0143] In one embodiment, the basic data includes the daily transfer amount and the daily incoming amount; the device further includes a transfer warning module. The transfer warning is configured to determine the amount transfer ratio for each month within the preset tracking period according to the daily transfer amount and the daily incoming amount. The amount transfer ratio includes the daily amount transfer ratio and the monthly amount transfer ratio. When the daily amount transfer ratio and / or the monthly amount transfer ratio reaches the preset transfer warning condition, a transfer warning prompt is pushed according to the user identification.

[0144] In one embodiment, the basic data includes the average monthly asset management scale value and the total monthly acquirement amount; the device further includes a churn warning module, which is configured to determine the merchant churn rate according to the average monthly asset management scale value and the total monthly acquirement amount, and when the merchant churn rate reaches a preset churn rate threshold, push a churn warning prompt according to the user identification.

[0145] Each module in the above service quality tracking device can be implemented in whole or in part by software, hardware, and their combination. Each of the above modules can be embedded in the processor of the computer device in hardware form or be independent of it, or can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to each of the above modules.

[0146] In one embodiment, a computer device is provided. The computer device can be a terminal, and its internal structure diagram can be as Figure 5 shown. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a service quality tracking method. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, a trackball, or a touchpad provided on the shell of the computer device, or an external keyboard, a touchpad, or a mouse, etc.

[0147] Those skilled in the art can understand that Figure 5 the structure shown in

[0148] is only a block diagram of some structures related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0148] In one embodiment, a computer device is provided, including a memory and a processor. A computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0149] Receive a service quality tracking request, where the service quality tracking request carries a user identification;

[0150] Obtain the basic data of the corresponding merchant according to the user identification, where the basic data includes merchant asset information and merchant acquiring information;

[0151] Obtain the newly added index value of the asset management scale corresponding to the merchant according to the merchant asset information, and determine the merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information;

[0152] Weight the newly added index value of the asset management scale and the merchant contribution index value to obtain the service quality tracking result corresponding to the user identification.

[0153] In one embodiment, when the processor executes the computer program, the following steps are further implemented: Determine the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date according to the merchant asset information, to obtain the newly added index value of the asset management scale, and determine the merchant contribution index value according to the total acquisition volume and the total acquisition amount in the merchant acquiring information and the average daily deposit of the personal account in the merchant asset information.

[0154] In one embodiment, when the processor executes the computer program, the following steps are further implemented: Determine the second increment and the second growth rate between the average daily deposit of the settlement account and the deposit on the preset comparison date according to the merchant asset information, to obtain the newly added index value of the asset management scale, and determine the merchant contribution index value according to the total acquisition volume and the total acquisition amount in the merchant acquiring information and the net increment of the average daily deposit of the settlement account in the merchant asset information.

[0155] In one embodiment, when the processor executes the computer program, the following steps are further implemented: Determine the index ratio between the merchant contribution index value and the newly added index value of the asset management scale, and according to the index ratio, amplify the newly added index value of the asset management scale, and perform weighted summation on the merchant contribution index value and the amplified newly added index value of the asset management scale to obtain the service quality tracking result corresponding to the user identification.

[0156] In one embodiment, when the processor executes the computer program, the following steps are further implemented: Determine the amount turnover ratio for each month within the preset tracking period according to the daily transfer amount and the daily incoming amount, where the amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio. When the daily amount turnover ratio and / or the monthly amount turnover ratio reaches the preset turnover warning condition, push a turnover warning prompt according to the user identification.

[0157] In one embodiment, when the processor executes the computer program, the following steps are further implemented: Determine the merchant churn rate according to the average monthly asset management scale value and the total monthly acquisition amount. When the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identification.

[0158] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0159] Receive a quality of service tracking request, which carries a user identifier;

[0160] According to the user identifier, obtain the basic data of the corresponding merchant, where the basic data includes merchant asset information and merchant acquiring information;

[0161] According to the merchant asset information, obtain the new value of the asset management scale corresponding to the merchant, and according to the merchant acquiring information and the merchant asset information, determine the merchant contribution index value corresponding to the merchant;

[0162] Weight the new value of the asset management scale and the merchant contribution index value to obtain the quality of service tracking result corresponding to the user identifier.

[0163] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented: According to the merchant asset information, determine the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date to obtain the new value of the asset management scale index. According to the total number of acquisitions and the total acquisition amount in the merchant acquiring information and the average daily deposit of the personal account in the merchant asset information, determine the merchant contribution index value.

[0164] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented: According to the merchant asset information, determine the second increment and the second growth rate between the average daily deposit of the settlement account and the deposit on the preset comparison date to obtain the new value of the asset management scale index. According to the total number of acquisitions and the total acquisition amount in the merchant acquiring information and the net increment of the average daily deposit of the settlement account in the merchant asset information, determine the merchant contribution index value.

[0165] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented: Determine the index ratio between the merchant contribution index value and the new value of the asset management scale index. According to the index ratio, amplify the new value of the asset management scale index, and perform weighted summation on the merchant contribution index value and the amplified new value of the asset management scale index to obtain the quality of service tracking result corresponding to the user identifier.

[0166] In one embodiment, when the computer program is executed by a processor, the following steps are also implemented: According to the daily transfer amount and the daily incoming amount, determine the amount transfer ratio for each month within the preset tracking period. The amount transfer ratio includes the daily amount transfer ratio and the monthly amount transfer ratio. When the daily amount transfer ratio and / or the monthly amount transfer ratio reaches the preset transfer warning condition, push a transfer warning prompt according to the user identifier.

[0167] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining a merchant churn rate based on the average monthly asset management scale value and the total monthly acquirer amount, and when the merchant churn rate reaches a preset churn rate threshold, pushing a churn warning prompt according to the user identifier.

[0168] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the following steps:

[0169] Receiving a service quality tracking request, where the service quality tracking request carries a user identifier;

[0170] According to the user identifier, obtaining the basic data of the corresponding merchant, where the basic data includes merchant asset information and merchant acquirer information;

[0171] According to the merchant asset information, obtaining an asset management scale new index value corresponding to the merchant, and according to the merchant acquirer information and the merchant asset information, determining a merchant contribution index value corresponding to the merchant;

[0172] Weighting the asset management scale new index value and the merchant contribution index value to obtain a service quality tracking result corresponding to the user identifier.

[0173] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining a first increment and a first growth rate between the average daily asset management scale and the asset management scale on a preset comparison date according to the merchant asset information to obtain an asset management scale new index value, and determining a merchant contribution index value according to the total acquirer volume, the total acquirer amount in the merchant acquirer information, and the average daily deposit of the personal account in the merchant asset information.

[0174] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining a second increment and a second growth rate between the average daily deposit of the settlement account and the deposit on a preset comparison date according to the merchant asset information to obtain an asset management scale new index value, and determining a merchant contribution index value according to the total acquirer volume, the total acquirer amount in the merchant acquirer information, and the net increment of the average daily deposit of the settlement account in the merchant asset information.

[0175] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining an index ratio between the merchant contribution index value and the asset management scale new index value, magnifying the asset management scale new index value according to the index ratio, and performing a weighted sum of the merchant contribution index value and the magnified asset management scale new index value to obtain a service quality tracking result corresponding to the user identifier.

[0176] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining, according to the daily transfer-out amount and the daily transfer-in amount, the amount turnover ratio for each month within a preset tracking period, where the amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio, and when the daily amount turnover ratio and / or the monthly amount turnover ratio reaches a preset turnover warning condition, pushing a turnover warning prompt according to the user identifier.

[0177] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented: determining the merchant churn rate according to the average monthly asset management scale value and the total monthly acquirer amount, and when the merchant churn rate reaches a preset churn rate threshold, pushing a churn warning prompt according to the user identifier.

[0178] It should be noted that the basic data of the merchants involved in this application (including but not limited to merchant asset information, merchant acquirer information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) are all information and data authorized by the merchants or fully authorized by all parties.

[0179] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, data processing logics based on quantum computing, etc., without limitation.

[0180] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0181] The above-described embodiments merely represent several implementation manners of the present application. The description is relatively specific and detailed, but it should not be construed as a limitation on the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A method for tracking service quality, characterized in that, the method includes: Receiving a service quality tracking request, where the service quality tracking request carries a user identification; According to the user identification, obtaining the basic data of the corresponding merchant, where the basic data includes merchant asset information and merchant acquiring information; the merchant acquiring information is used to describe the merchant acquiring situation, including the total acquisition volume and the total acquisition amount; According to the merchant asset information, obtaining the newly added index value of the asset management scale corresponding to the merchant, and according to the merchant acquiring information and the merchant asset information, determining the merchant contribution index value corresponding to the merchant; determining the index ratio between the merchant contribution index value and the newly added index value of the asset management scale; According to the index ratio, amplifying the newly added index value of the asset management scale; Performing a weighted sum of the merchant contribution index value and the amplified newly added index value of the asset management scale to obtain the service quality tracking result corresponding to the user identification.

2. The method according to claim 1, characterized in that, the merchant includes an individual merchant; the obtaining the newly added index value of the asset management scale corresponding to the merchant according to the merchant asset information, and determining the merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information includes: According to the merchant asset information, determining the first increment and the first growth rate between the average daily asset management scale and the asset management scale on the preset comparison date to obtain the newly added index value of the asset management scale; According to the total acquisition volume and the total acquisition amount in the merchant acquiring information and the average daily deposit of the personal account in the merchant asset information, determining the merchant contribution index value.

3. The method according to claim 1, characterized in that, the merchant includes a corporate merchant; the obtaining the newly added index value of the asset management scale corresponding to the merchant according to the merchant asset information, and determining the merchant contribution index value corresponding to the merchant according to the merchant acquiring information and the merchant asset information includes: According to the merchant asset information, determining the second increment and the second growth rate between the average daily deposit of the settlement account and the deposit on the preset comparison date to obtain the newly added index value of the asset management scale; According to the total acquisition volume and the total acquisition amount in the merchant acquiring information and the net increment of the average daily deposit of the settlement account in the merchant asset information, determining the merchant contribution index value.

4. The method according to claim 1, characterized in that, the basic data includes the daily transfer amount and the daily incoming amount; the service quality tracking method further includes: According to the daily transfer amount and the daily incoming amount, determining the amount turnover ratio for each month within the preset tracking period, where the amount turnover ratio includes the daily amount turnover ratio and the monthly amount turnover ratio; When the daily amount turnover ratio and / or the monthly amount turnover ratio reaches the preset turnover warning condition, pushing a turnover warning prompt according to the user identification.

5. The method according to claim 1, characterized in that, the basic data includes the average monthly asset management scale value and the total monthly acquisition amount; the service quality tracking method further includes: Determine the merchant churn rate according to the monthly average asset management scale value and the total monthly acquirement amount. When the merchant churn rate reaches the preset churn rate threshold, push a churn warning prompt according to the user identifier.

6. A service quality tracking device Characterized in that The device includes: A receiving module, configured to receive a service quality tracking request, where the service quality tracking request carries a user identifier; An obtaining module, configured to obtain the basic data of the corresponding merchant according to the user identifier, where the basic data includes merchant asset information and merchant acquirement information; the merchant acquirement information is used to describe the merchant acquirement situation, including the total acquirement volume and the total acquirement amount; An index determination module, configured to obtain an asset management scale new index value corresponding to the merchant according to the merchant asset information, and determine a merchant contribution index value corresponding to the merchant according to the merchant acquirement information and the merchant asset information; a tracking module, configured to determine an index ratio between the merchant contribution index value and the asset management scale new index value, amplify the asset management scale new index value according to the index ratio, and perform weighted summation on the merchant contribution index value and the amplified asset management scale new index value to obtain a service quality tracking result corresponding to the user identifier.

7. The device according to claim 6, Characterized in that The merchant includes an individual merchant; the index determination module is further configured to determine a first increment and a first growth rate between the daily average asset management scale and the asset management scale on the preset comparison date according to the merchant asset information, obtain the asset management scale new index value, and determine the merchant contribution index value according to the total acquirement volume and the total acquirement amount in the merchant acquirement information and the daily average deposit in the personal account in the merchant asset information.

8. The device according to claim 6, Characterized in that The merchant includes a corporate merchant; the index determination module is further configured to determine a second increment and a second growth rate between the daily average deposit in the settlement account and the deposit on the preset comparison date according to the merchant asset information, obtain the asset management scale new index value, and determine the merchant contribution index value according to the total acquirement volume and the total acquirement amount in the merchant acquirement information and the net increment of the daily average deposit in the settlement account in the merchant asset information.

9. The device according to claim 6, Characterized in that The basic data includes the daily transfer amount and the daily incoming amount; the device further includes a transfer warning module, and the transfer warning is configured to determine the amount transfer ratio for each month within a preset tracking period according to the daily transfer amount and the daily incoming amount, where the amount transfer ratio includes the daily amount transfer ratio and the monthly amount transfer ratio, and when the daily amount transfer ratio and / or the monthly amount transfer ratio reaches the preset transfer warning condition, push a transfer warning prompt according to the user identifier.

10. The device according to claim 6, Characterized in that The basic data includes the monthly average asset management scale value and the total monthly acquittance amount; the device further includes a churn warning module, which is used to determine the merchant churn rate according to the monthly average asset management scale value and the total monthly acquittance amount, and when the merchant churn rate reaches a preset churn rate threshold, push a churn warning prompt according to the user identification.

11. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, when the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

12. A computer-readable storage medium, having a computer program stored thereon, characterized in that, when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

13. A computer program product, comprising a computer program, characterized in that, when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

Images