Customer Intimacy Determination Method, Apparatus, Device, Medium, and Program Product

Abstract

The present invention discloses a method, device, equipment, medium and program product for determining customer intimacy. The method includes: obtaining transaction data of a customer; wherein, the transaction data includes a customer counterparty table and a core financial event table; constructing a network graph based on the transaction data by means of a graph algorithm; using a community discovery algorithm to perform community identification according to the network graph to obtain a customer group network structure; constructing a community intimacy index according to the community characteristics of the customer group network structure to obtain community intimacy; and measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community; obtaining customer intimacy according to the community intimacy and the intimacy of customers within the community. Compared with the prior art, the embodiment of the present invention improves the accuracy of customer intimacy determination.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a customer intimacy determination method, apparatus, device, medium and program product. Background Art

[0002] With the development of technology and the prevalence of big data, how to measure customer intimacy and provide a reliable basis for customer management has become a common concern for banks and other businesses. In existing technologies, there are two main approaches to determining customer intimacy:

[0003] The first is a supervised classification model, which first labels the feature data with intimacy according to preset criteria; then, by binning the features and encoding the evidence weights, it calculates the information value of the features and selects important features; uses the classification model to obtain the intimacy score results, compares the model results with the labeling results to adjust the model; and then calculates the intimacy index based on the model results.

[0004] The second is to analyze social data and construct important features in the social data between individuals; at the same time, combine some features of the graph algorithm and obtain intimacy evaluation indicators through weighted methods.

[0005] However, the first technical solution uses a supervised classification model to score intimacy, relying on expert experience to assign intimacy labels, which is not universally applicable. The second technical solution calculates intimacy metrics by weighting social data and graph features. While this approach considers both social and graph structural features, it fails to fully account for the community characteristics of the transaction subgraph to which the customer belongs. As a result, existing technologies suffer from inaccurate intimacy assessments. Summary of the Invention

[0006] The present invention provides a customer intimacy determination method, apparatus, device, medium and program product to improve the accuracy of customer intimacy determination.

[0007] According to one aspect of the present invention, a method for determining customer intimacy is provided, comprising:

[0008] Obtaining customer transaction data; wherein the transaction data includes a customer transaction counterparty table and a core financial event table;

[0009] Based on a graph algorithm, a network graph is constructed according to the transaction data;

[0010] Using a community discovery algorithm, community identification is performed based on the network graph to obtain a customer group network structure;

[0011] Construct a community intimacy index based on the community characteristics of the customer group network structure to obtain the community intimacy; and measure the intimacy index of customers within the community to obtain the intimacy of customers within the community;

[0012] Obtain the customer intimacy based on the community intimacy and the intimacy of customers within the community.

[0013] Optionally, the constructed community intimacy index includes at least one of the number of community members, the total number of community transactions, and the total amount of community transactions.

[0014] Optionally, the constructing the community intimacy index to obtain the community intimacy includes:

[0015] Standardize the community intimacy index and set weights;

[0016] Perform weighted summation on the standardized community intimacy indexes to obtain the community intimacy.

[0017] Optionally, the measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community includes:

[0018] Calculate various centrality indexes of customers according to the community characteristics;

[0019] Standardize the centrality indexes;

[0020] Sum the standardized centrality indexes and multiply by the transaction coefficient to obtain the intimacy of customers within the community; where the transaction coefficient is the result of dividing the number of transactions of the customer by the transaction amount.

[0021] Optionally, the centrality indexes include at least two of degree centrality, closeness centrality, betweenness centrality, and eigenvector centrality.

[0022] Optionally, the method of standardization is min-max standardization.

[0023] Optionally, the obtaining the customer intimacy based on the community intimacy and the intimacy of customers within the community includes:

[0024] Multiply the community intimacy index and the intimacy of customers within the community to obtain the customer intimacy.

[0025] Optionally, the constructing the network graph based on the graph algorithm according to the transaction data includes:

[0026] Regard an opponent transaction as an edge in the graph, and correspondingly regard the two parties of the transaction as the vertices of the graph, and regard the number of transactions occurring between the same group of customers as the edge weight.

[0027] According to another aspect of the present invention, there is provided a customer intimacy determination device, including:

[0028] A data acquisition module for acquiring transaction data of customers; wherein, the transaction data includes a customer counterparty table and a core financial event table;

[0029] A graph construction module for constructing a network graph based on the graph algorithm according to the transaction data;

[0030] A community discovery module for performing community identification according to the network graph by using a community discovery algorithm to obtain a customer group network structure;

[0031] A feature analysis module for constructing a community intimacy index based on the community features of the customer group network structure to obtain community intimacy; and measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community;

[0032] An intimacy judgment module for obtaining customer intimacy according to the community intimacy and the intimacy of customers within the community.

[0033] According to another aspect of the present invention, there is provided an electronic device, the electronic device includes:

[0034] At least one processor; and

[0035] A memory communicatively connected to the at least one processor; wherein,

[0036] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the customer intimacy determination method according to any embodiment of the present invention.

[0037] According to another aspect of the present invention, there is provided a computer-readable storage medium storing computer instructions for causing a processor to implement the customer intimacy determination method according to any embodiment of the present invention when executed.

[0038] According to another aspect of the present invention, there is provided a computer program product including a computer program which implements the customer intimacy determination method according to any embodiment of the present invention when executed by a processor.

[0039] In the embodiments of the present invention, from the perspective of social network analysis, graph algorithms are used to discover communities in the transaction network, and community intimacy is calculated in combination with community characteristics. Moreover, within each community, based on the intimacy index of the customer itself, the intimacy of customers within the community is calculated by weighting. Finally, the community intimacy and the intimacy of customers within the community are combined as a measure of the intimacy of enterprise customers. It can be seen that the embodiments of the present invention consider both social characteristics and graph structure characteristics, and fully consider the community characteristics of the customer transaction subgraph. Without relying on expert experience to label the intimacy, on the basis of universality, the accuracy of customer intimacy determination is improved.

[0040] It should be understood that the content described in this part is not intended to identify the key or important features of the embodiments of the present invention, nor is it used to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0042] Figure 1 It is a schematic flowchart of a method for determining customer intimacy provided by an embodiment of the present invention;

[0043] Figure 2 It is a schematic flowchart of a method for calculating community intimacy provided by an embodiment of the present invention;

[0044] Figure 3 It is a schematic flowchart of a method for calculating the intimacy of customers within a community provided by an embodiment of the present invention;

[0045] Figure 4 It is a schematic structural diagram of a device for determining customer intimacy provided by an embodiment of the present invention;

[0046] Figure 5 It is a schematic structural diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0047] In order to enable those skilled in the art to better understand the solutions of the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only some of the embodiments of the present invention, rather than all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0048] It should be noted that in the specification and claims of the present invention and the above-mentioned drawings, the terms "first", "second", etc. are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the present invention described here can be implemented in an order other than those illustrated or described here. In addition, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0049] It should be noted that in the embodiments of the present invention, when obtaining, storing, and / or processing transaction data, it complies with the relevant regulations of national laws and regulations and does not violate public order and good customs.

[0050] The embodiments of the present invention provide a method for determining customer intimacy. The method aims to use data mining methods to discover transaction characteristics and the intimacy between enterprise customers such as banks and banks for historical transaction funds, providing a reliable basis for customer management. This method can be executed by a customer intimacy determination device, which can be implemented by hardware and / or software.

[0051] Figure 1 It is a schematic flowchart of a method for determining customer intimacy provided by the embodiments of the present invention.

[0052] See Figure 1 , the method for determining customer intimacy includes the following steps:

[0053] S110. Obtain the transaction data of the customer.

[0054] Among them, the transaction data includes a customer counterparty table and a core financial event table. The data recorded in the core financial event table only reaches the account level of the counterparty, without the customer name of the counterparty. The customer counterparty table records data information such as the customer name of the counterparty. The two tables together record the transaction details of the customer. In the specific operation process, the two tables can be merged, and the obtained transaction data includes transaction information such as the transaction time, transaction direction (for example, transfer in or transfer out), transaction amount, number of transaction pens, and counter number between the customer within the bank and the counterparty outside the bank. Specifically, the time period of the customer counterparty table and the core financial event table can also be limited. For example, obtain the transaction data of the fund transactions between customers in the past year.

[0055] S120. Based on the graph algorithm, construct a network graph according to the transaction data.

[0056] Exemplarily, a counterparty transaction is regarded as an edge in a graph, and the corresponding two parties to the transaction are regarded as the vertices of the graph. The number of transactions occurring between the same group of customers is regarded as the edge weight.

[0057] S130. Adopt a community discovery algorithm to perform community identification based on the network graph to obtain the customer group network structure.

[0058] Among them, there are various specific implementation methods for the community discovery algorithm. For example, the GN algorithm. The GN algorithm is a classic community discovery algorithm, which belongs to the divisive hierarchical clustering algorithm. Its basic idea is to continuously delete the edge with the maximum betweenness centrality relative to all source nodes in the network, and then recalculate the betweenness centrality of the remaining edges in the network relative to all source nodes, and repeat this process until all edges in the network are deleted.

[0059] Adopting the community discovery algorithm can cluster the social network in the transaction process and discover the differences in the network structures of each customer group and the intimacy with enterprises such as banks. Among them, a customer group network structure can be regarded as a community, a sub-network or a sub-graph. No characteristics can be seen from the large graph of the network graph. Therefore, the network graph is divided into customer group network structures.

[0060] S140. Construct a community intimacy index based on the community characteristics of the customer group network structure to obtain the community intimacy; and measure the intimacy index of the customers within the community to obtain the intimacy of the customers within the community.

[0061] Among them, a community includes multiple customers. According to the degree of association between these multiple customers, the intimacy degree between a certain customer and enterprises such as banks can be obtained, that is, the community intimacy of this customer. This step combines social characteristics to calculate the community intimacy. And, through the characteristic analysis of the customers within the community, the intimacy of the customers within the community of this customer can be obtained. This step combines graph structure characteristics to calculate the community intimacy.

[0062] S150. Obtain the customer intimacy based on the community intimacy and the intimacy of the customers within the community.

[0063] Exemplarily, multiply the community intimacy index by the intimacy of the customers within the community to obtain the customer intimacy.

[0064] From the perspective of social network analysis, the embodiments of the present invention use graph algorithms to discover communities in the transaction network and calculate the community intimacy in combination with community characteristics. Moreover, within each community, based on the intimacy index of the customer itself, the customer intimacy within the community is calculated by weighting. Finally, the community intimacy and the customer intimacy within the community are combined as a measure of the enterprise customer intimacy. It can be seen that the embodiments of the present invention consider both social characteristics and graph structure characteristics, and fully consider the community characteristics of the customer transaction subgraph, without relying on expert experience to label the intimacy. On the basis of universality, the accuracy of customer intimacy determination is improved.

[0065] Based on the above embodiments, there are various calculation methods for community intimacy and customer intimacy within the community. Specific descriptions are given below, but they are not intended to limit the present invention.

[0066] Figure 2 It is a schematic flowchart of a method for calculating community intimacy provided by an embodiment of the present invention. Refer to Figure 2 In an embodiment of the present invention, optionally, the method for calculating community intimacy includes the following steps:

[0067] S210. Standardize the community intimacy index and set weights.

[0068] Exemplarily, the community intimacy index includes at least one of the number of community members, the total number of community transactions, and the total amount of community transactions, etc. For example, all community intimacy indexes such as the number of community members, the total number of community transactions, and the total amount of community transactions are standardized. The standardization method can be the maximum-minimum standardization method. The maximum-minimum standardization is also called discrete standardization, which is a linear transformation of the community intimacy index, mapping the community intimacy index to the range of [0, 1]. The weight setting method can combine business experience to set weights for indexes such as the number of community members, the total number of community transactions, and the total amount of community transactions.

[0069] S220. Perform weighted summation on the standardized community intimacy indexes to obtain the community intimacy.

[0070] The calculation of community intimacy is realized through S210 - S220. The result of calculating community intimacy by this method has high accuracy, which is beneficial to improving the accuracy of customer intimacy determination.

[0071] Figure 3 It is a schematic flowchart of a method for calculating customer intimacy within a community provided by an embodiment of the present invention. Refer to Figure 3 In an embodiment of the present invention, optionally, the method for calculating customer intimacy within a community includes the following steps:

[0072] S310. Calculate various centrality indexes of the customer according to community characteristics.

[0073] Exemplarily, the centrality metrics include at least two of degree centrality, closeness centrality, betweenness centrality, eigenvector centrality, etc. For example, all centrality metrics such as degree centrality, closeness centrality, betweenness centrality, and eigenvector centrality are calculated. Among them, degree centrality focuses on the number of customers who have transactions with this customer; closeness centrality focuses on the distance between this customer and other customers in the community; betweenness centrality focuses on whether this customer plays a bridging role in transactions, that is, between customers B and C, whether it is necessary to go through customer A for transactions, if so, the betweenness centrality of A is higher; eigenvector centrality focuses on the importance of the neighbor nodes of this customer.

[0074] S320. Standardize the centrality metrics.

[0075] Specifically, all centrality metrics such as degree centrality, closeness centrality, betweenness centrality, and eigenvector centrality are standardized. The method of standardization can be min-max standardization. Min-max standardization is also called discrete standardization, which is a linear transformation of the centrality metrics, mapping the centrality metrics to the range of [0, 1].

[0076] S330. Sum the standardized centrality metrics and multiply by the transaction coefficient to obtain the customer intimacy within the community.

[0077] Among them, the transaction coefficient is the result of dividing the number of transaction pens of this customer by the transaction amount.

[0078] Through S310 - S330, the calculation of the customer intimacy within the community is achieved. The result of this method for calculating the customer intimacy within the community has high accuracy, which is beneficial to improving the accuracy of customer intimacy determination.

[0079] In summary, from the perspective of social network analysis, the embodiments of the present invention use graph algorithms to perform community discovery on the transaction network, calculate the community intimacy in combination with community characteristics. And within each community, based on the intimacy metrics of the customers themselves, the customer intimacy within the community is calculated by weighting. Finally, combining the community intimacy and the customer intimacy within the community, using community intimacy * customer intimacy within the community as the measure of the enterprise - customer intimacy. It can be seen that the embodiments of the present invention consider both social characteristics and graph structure characteristics, and fully consider the community characteristics of the customer transaction sub - graph, without relying on expert experience to label the intimacy, and on the basis of universality, improve the accuracy of customer intimacy determination.

[0080] The embodiments of the present invention also provide a customer intimacy determination device, which can be implemented by hardware and / or software. Figure 4 For a structural schematic diagram of a customer intimacy determination device provided by an embodiment of the present invention. Refer to Figure 4, the customer intimacy determination device includes:

[0081] A data acquisition module 410 for acquiring the transaction data of the customer; wherein, the transaction data includes a customer counterparty table and a core financial event table;

[0082] A graph construction module 420 for constructing a network graph based on the graph algorithm according to the transaction data;

[0083] A community discovery module 430 for performing community identification according to the network graph by using a community discovery algorithm to obtain a customer group network structure;

[0084] A feature analysis module 440 for constructing a community intimacy index according to the community features of the customer group network structure to obtain the community intimacy; and measuring the intimacy index of the customers within the community to obtain the intimacy of the customers within the community;

[0085] An intimacy judgment module 450 for obtaining the customer intimacy according to the community intimacy and the intimacy of the customers within the community.

[0086] Optionally, the constructed community intimacy index includes at least one of: the number of community members, the total number of community transactions, and the total amount of community transactions.

[0087] Optionally, the feature analysis module 440 includes a community intimacy calculation unit and a customer intimacy calculation unit within the community. The community intimacy calculation unit is used for:

[0088] Standardizing the community intimacy index and setting weights;

[0089] Performing weighted summation on the standardized community intimacy indexes to obtain the community intimacy.

[0090] Optionally, the customer intimacy calculation unit within the community is used for:

[0091] Calculating various centrality indexes of the customer according to the community features;

[0092] Standardizing the centrality indexes;

[0093] Summing the standardized centrality indexes and multiplying by a transaction coefficient to obtain the intimacy of the customers within the community; wherein, the transaction coefficient is the result of dividing the number of transactions of the customer by the transaction amount.

[0094] Optionally, the centrality indexes include at least two of: degree centrality, closeness centrality, betweenness centrality, and eigenvector centrality.

[0095] Optionally, the method of standardization is min-max standardization.

[0096] Optionally, the intimacy judgment module is further used for:

[0097] Multiply the community intimacy index by the customer intimacy within the community to obtain the customer intimacy.

[0098] Optionally, the graph construction module is further configured to:

[0099] Regard an opposite transaction as an edge in the graph, and correspondingly regard the two parties to the transaction as the vertices of the graph, and regard the number of transactions occurring between the same group of customers as the edge weight.

[0100] The customer intimacy determination device provided by the embodiments of the present invention can execute the customer intimacy determination method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects for executing the method.

[0101] Figure 5 It is a schematic structural diagram of an electronic device provided by an embodiment of the present invention. The electronic device is intended to represent various forms of digital computers, such as, laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as, personal digital processors, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are only examples and are not intended to limit the implementation of the present invention described herein and / or claimed.

[0102] As [[ID=1�]] Figure 5 shown, the electronic device 10 includes at least one processor 11, and a memory communicatively connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc. Among them, the memory stores a computer program executable by the at least one processor. The processor 11 can execute various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 into the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. The input / output (I / O) interface 15 is also connected to the bus 14.

[0103] Multiple components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disc, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0104] The processor 11 can be various general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as the customer intimacy determination method.

[0105] In some embodiments, the customer intimacy determination method can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as the storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed onto the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the customer intimacy determination method described above can be executed. Alternatively, in other embodiments, the processor 11 can be configured to execute the customer intimacy determination method by any other suitable means (e.g., by means of firmware).

[0106] The various embodiments of the systems and technologies described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include: implemented in one or more computer programs, the one or more computer programs can be executed and / or interpreted on a programmable system including at least one programmable processor, the programmable processor can be a special or general programmable processor, can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit the data and instructions to the storage system, the at least one input device, and the at least one output device.

[0107] A computer program for implementing the method of the present invention can be written in any combination of one or more programming languages. These computer programs can be provided to a processor of a general purpose computer, a special purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowchart and / or block diagram to be implemented. The computer programs can be executed entirely on the machine, partly on the machine, as a stand-alone software package partly on the machine and partly on a remote machine, or entirely on a remote machine or server.

[0108] In the context of the present invention, a computer-readable storage medium can be a tangible medium that can contain or store a computer program for use by or in connection with an instruction execution system, apparatus, or device. The computer-readable storage medium can include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination of the foregoing. Alternatively, the computer-readable storage medium can be a machine-readable signal medium. More specific examples of the machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0109] In order to provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or a trackball) by which the user can provide input to the electronic device. Other kinds of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0110] The systems and techniques described herein can be implemented in a computing system including backend components (e.g., as a data server), or a computing system including middleware components (e.g., an application server), or a computing system including frontend components (e.g., a user computer having a graphical user interface or a web browser through which a user can interact with an implementation of the systems and techniques described herein), or a computing system including any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected to each other by digital data communication in any form or medium (e.g., a communication network). Examples of communication networks include: local area network (LAN), wide area network (WAN), blockchain network, and the Internet.

[0111] A computing system can include a client and a server. The client and the server are generally far from each other and typically interact through a communication network. The client-server relationship is created by computer programs running on respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or a cloud host, which is a host product in the cloud computing service system, solving the defects of difficult management and weak business scalability existing in traditional physical hosts and VPS services.

[0112] An embodiment of the present invention also provides a computer program product, which includes computer-executable instructions that, when executed by a computer processor, are used to execute the customer intimacy determination method provided in any embodiment of the present invention.

[0113] Of course, for the computer program product provided in the embodiments of the present application, the computer-executable instructions are not limited to the above method operations, and can also execute related operations in the methods provided in any embodiment of the present invention.

[0114] It should be understood that various forms of the processes shown above can be used, with steps reordered, added, or deleted. For example, the steps recited in the present invention can be executed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved, and no limitation is imposed herein.

[0115] The above specific embodiments do not constitute a limitation to the protection scope of the present invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A method for determining customer intimacy, characterized in that, including: obtaining transaction data of customers; wherein, the transaction data includes a customer counterparty table and a core financial event table; constructing a network graph based on the graph algorithm according to the transaction data; using a community discovery algorithm to perform community identification according to the network graph to obtain a customer group network structure; constructing a community intimacy index according to the community characteristics of the customer group network structure to obtain community intimacy; and measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community; obtaining customer intimacy according to the community intimacy and the intimacy of customers within the community; wherein, the constructed community intimacy index includes at least one of the number of community members, the total number of community transactions, and the total amount of community transactions; wherein, the constructing the community intimacy index to obtain community intimacy includes: standardizing the community intimacy index and setting weights; performing weighted summation on the standardized community intimacy indexes to obtain the community intimacy; wherein, the measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community includes: calculating various centrality indexes of customers according to the community characteristics; standardizing the centrality indexes; summing up the standardized centrality indexes and multiplying by a transaction coefficient to obtain the intimacy of customers within the community; wherein, the transaction coefficient is the result of dividing the number of transactions of the customer by the transaction amount; 2. The method according to claim 1, characterized in that, the centrality indexes include at least two of degree centrality, closeness centrality, betweenness centrality, and eigenvector centrality; 3. The method according to claim 1, characterized in that, the method of standardization is min-max standardization; 4. The method according to claim 1, characterized in that, the obtaining customer intimacy according to the community intimacy and the intimacy of customers within the community includes: multiplying the community intimacy and the intimacy of customers within the community to obtain the customer intimacy; 5. The method according to claim 1, characterized in that, the constructing a network graph based on the graph algorithm according to the transaction data includes: regarding one counterparty transaction as an edge in the graph, and correspondingly regarding the two parties to the transaction as vertices of the graph, and the number of transactions occurring between the same group of customers as the edge weight; 6. A customer intimacy determination device, characterized in that, including: a data acquisition module for obtaining transaction data of customers; wherein, the transaction data includes a customer counterparty table and a core financial event table; a graph construction module for constructing a network graph based on the graph algorithm according to the transaction data; a community discovery module for performing community identification according to the network graph using a community discovery algorithm to obtain a customer group network structure; a feature analysis module for constructing a community intimacy index according to the community characteristics of the customer group network structure to obtain community intimacy; and measuring the intimacy index of customers within the community to obtain the intimacy of customers within the community; an intimacy judgment module for obtaining customer intimacy according to the community intimacy and the intimacy of customers within the community; wherein, the constructed community intimacy index includes at least one of the number of community members, the total number of community transactions, and the total amount of community transactions; wherein, the feature analysis module includes: A community intimacy calculation unit, configured to standardize the community intimacy indicators and set weights; perform weighted summation on the standardized community intimacy indicators to obtain the community intimacy; A customer intimacy calculation unit within the community, configured to calculate various centrality indicators of a customer according to the community characteristics; standardize the centrality indicators; sum the standardized centrality indicators and multiply by a transaction coefficient to obtain the customer intimacy within the community; wherein, the transaction coefficient is the result of dividing the number of transactions of the customer by the transaction amount.

7. An electronic device, characterized in that, The electronic device includes: At least one processor; and A memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the customer intimacy determination method according to any one of claims 1-5.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions, and the computer instructions are used to implement the customer intimacy determination method according to any one of claims 1-5 when executed by a processor.

9. A computer program product, characterized in that, The computer program product includes a computer program, and the computer program implements the customer intimacy determination method according to any one of claims 1-5 when executed by a processor.

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