Service continuation management and control method, device and equipment and storage medium thereof

Abstract

The embodiment of the invention belongs to the technical field of business control, is applied to a service continuation management scene, and relates to a service continuation management and control method, device and equipment and a storage medium thereof. Obtaining evaluation index data of a target user side; an evaluation result is obtained; according to the evaluation result, judging whether the target user side meets a service continuation condition or not; and respectively carrying out prompt processing according to a judgment result. By determining whether the target user side meets the preset service continuation condition, risk management of service continuation is facilitated, blind continuation is avoided, more service continuation is provided for high-quality customers, and the enterprise service continuation risk is reduced.

Description

Technical Field

[0001] The present application relates to the field of business control technology, and is applied to a service renewal management scenario, and in particular to a service renewal management method, device, equipment and storage medium thereof. Background Art

[0002] Service renewal refers to the way in which a service provider continues to provide the relevant services to the service recipient when the relevant services provided by the service provider expire or are about to expire.

[0003] At present, the renewal of service is mainly based on the analysis of single target users, that is, the indicator data of users to be renewed in the historical service cycle. As a result, the data used for service renewal is small and one-sided. Generally, when the indicator data of the users to be renewed in the historical service cycle is relatively good, the service will be renewed. Otherwise, other processing will be carried out, such as interrupting the renewal business, or continuing the renewal after optimizing the service terms. Even when analyzing the indicator data of users to be renewed in the historical service cycle, the existing methods are mostly to set fixed indicator values, which is relatively mechanical in data processing, resulting in insufficient flexibility and scientificity in the management and control of service risks. Summary of the invention

[0004] The purpose of the embodiments of the present application is to propose a service renewal management method, device, equipment and storage medium thereof, so as to solve the problem that the existing methods mostly set fixed indicator values ​​and are more mechanical in data processing, resulting in insufficient flexibility and scientificity in the management and judgment of service risks.

[0005] In order to solve the above technical problems, the embodiment of the present application provides a service renewal management method, which adopts the following technical solutions:

[0006] A service renewal management method comprises the following steps:

[0007] Identify the user group to which the target user terminal belongs;

[0008] Obtaining evaluation index data corresponding to the target user terminal;

[0009] Inputting the evaluation index data into a pre-built user evaluation model to obtain an evaluation result of the target user terminal, wherein the user evaluation model is constructed based on the evaluation index data corresponding to all user terminals in the user group in the previous service cycle;

[0010] According to the evaluation result, determining whether the target user terminal meets the preset service renewal conditions;

[0011] If the target user terminal does not meet the service renewal condition, sending a prompt message to the target user terminal that the service will not be renewed;

[0012] If the target user terminal meets the service renewal condition, a prompt message for continuing to renew the service is sent to the target user terminal.

[0013] Furthermore, before executing the step of identifying the user group to which the target user terminal belongs, the method further includes:

[0014] Use message monitoring to obtain the latest service renewal requests received;

[0015] Identify the target user terminal by parsing the service renewal request, wherein the service renewal request includes identification information of the user terminal sending the service renewal request and a service unique identification code corresponding to the identification information of the user terminal;

[0016] Querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information;

[0017] The step of identifying the user group to which the target user terminal belongs specifically includes:

[0018] The user group to which the target user terminal belongs is determined according to the service information to be renewed.

[0019] Furthermore, the step of identifying the target user terminal by parsing the service renewal request specifically includes:

[0020] Parsing the service renewal request to obtain identification information of the user terminal that sent the service renewal request;

[0021] Taking the user terminal corresponding to the identification information as the target user terminal;

[0022] After executing the step of identifying the target user terminal by parsing the service renewal request, the method further includes:

[0023] The service renewal request is parsed to obtain a service unique identification code corresponding to the user terminal identification information.

[0024] Furthermore, before executing the step of identifying the user group to which the target user terminal belongs, the method further includes:

[0025] According to a preset automatic screening strategy, users whose services are about to expire are screened out from a preset service management library, wherein the automatic screening strategy includes automatic screening according to the expiration date of the service;

[0026] Querying the communication mode of the user from the historical service record file, and determining the target user terminal based on the communication mode, wherein each user terminal has unique user terminal identification information, and the historical service record file records the service unique identification code corresponding to the user terminal identification information;

[0027] Querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information;

[0028] The step of identifying the user group to which the target user terminal belongs specifically includes:

[0029] The user group to which the target user terminal belongs is determined according to the service information to be renewed.

[0030] Furthermore, the step of querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information specifically includes:

[0031] Using the service unique identification code as search data, the service agreement signed by the target user terminal is retrieved from a preset service management library, wherein the service unique identification code includes the contract coding information of the service agreement;

[0032] Parsing the service agreement to obtain service name information and service agreement information, and setting the service name information and the service agreement information as the to-be-renewed service information of the target user terminal, wherein the service name information and the service agreement information are recorded in the service agreement;

[0033] Before executing the step of determining the user group to which the target user terminal belongs according to the service information to be renewed, the method further includes:

[0034] Taking the service name information and service agreement information as common clustering conditions, clustering is performed on users with the same service name and the same service agreement information to obtain clusters;

[0035] Obtain identification information of users in each cluster respectively, and add identification information of users in the same cluster to the same set, so as to construct user groups corresponding to each cluster respectively;

[0036] The step of determining the user group to which the target user terminal belongs according to the service information to be renewed specifically includes:

[0037] Based on the to-be-renewed service information, identifying the service name information and service agreement information to be renewed by the target user terminal;

[0038] Taking the service name information and the service agreement information as identification conditions, identifying a cluster with the service name information and the service agreement information as common clustering conditions as a target cluster;

[0039] The user group corresponding to the target cluster is determined as the user group to which the target user terminal belongs.

[0040] Furthermore, before executing the step of inputting the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal, the method further includes:

[0041] Obtain the evaluation index data corresponding to all user terminals in each user group in the previous service cycle, and construct an evaluation index data set corresponding to each user group;

[0042] According to the evaluation index data set and the preset evaluation algorithm corresponding to each user group, an evaluation sub-model corresponding to each user group is constructed;

[0043] Integrate all evaluation sub-models into the same model according to different user groups to obtain the user evaluation model of the pre-purchase model;

[0044] The step of inputting the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal specifically includes:

[0045] According to the user group to which the target user terminal belongs, a target evaluation sub-model is selected from the user evaluation model;

[0046] The evaluation index data corresponding to the target user terminal is sent to the target evaluation sub-model, and the output result of the target evaluation sub-model is obtained as the evaluation result.

[0047] Furthermore, the preset evaluation algorithm includes a normal distribution algorithm, and the step of constructing an evaluation sub-model corresponding to each user group according to the evaluation indicator data set corresponding to each user group and the preset evaluation algorithm specifically includes:

[0048] Perform normal distribution fitting on the evaluation index data set corresponding to each user group to obtain the normal distribution curve corresponding to each user group;

[0049] The normal distribution curve corresponding to each user group is used as an evaluation reference curve, and a multi-level evaluation threshold is constructed according to the μ value and σ value of each normal distribution curve, and the evaluation reference curve and the multi-level evaluation threshold are deployed in groups to the corresponding evaluation sub-model to complete the construction of the evaluation sub-model corresponding to each user group, wherein μ is the mean and σ is the standard deviation;

[0050] The step of sending the evaluation index data corresponding to the target user terminal to the target evaluation sub-model and obtaining the output result of the target evaluation sub-model as the evaluation result specifically includes:

[0051] Determine the magnitude relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model;

[0052] Determine the user level corresponding to the target user terminal according to the size relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model and a preset user level table;

[0053] The user level corresponding to the target user terminal is output as the evaluation result.

[0054] In order to solve the above technical problems, the embodiment of the present application also provides a service renewal management and control device, which adopts the following technical solution:

[0055] A service renewal management and control device, comprising:

[0056] A user group identification module, used to identify the user group to which the target user terminal belongs;

[0057] An evaluation index data acquisition module, used to acquire the evaluation index data corresponding to the target user terminal;

[0058] An evaluation result obtaining module, used for inputting the evaluation index data into a pre-built user evaluation model to obtain the evaluation result of the target user terminal, wherein the user evaluation model is constructed based on the evaluation index data corresponding to all user terminals in the user group in the previous service cycle;

[0059] A condition judgment module, used to judge whether the target user terminal meets the preset service renewal condition according to the evaluation result;

[0060] A first branch processing module, configured to send a prompt message to the target user terminal indicating that the service will not be renewed if the target user terminal does not meet the service renewal condition;

[0061] The second branch processing module is used to send a prompt message for continuing to renew the service to the target user terminal if the target user terminal meets the service renewal condition.

[0062] In order to solve the above technical problems, the embodiment of the present application further provides a computer device, which adopts the following technical solution:

[0063] A computer device includes a memory and a processor, wherein the memory stores computer-readable instructions, and the processor implements the steps of the service renewal management method described above when executing the computer-readable instructions.

[0064] In order to solve the above technical problems, the embodiment of the present application further provides a computer-readable storage medium, which adopts the following technical solution:

[0065] A computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the service renewal management method as described above.

[0066] Compared with the prior art, the embodiments of the present application have the following beneficial effects:

[0067] The service renewal management method described in the embodiment of the present application identifies the user group to which the target user terminal belongs; obtains the evaluation index data of the target user terminal; obtains the evaluation result; judges whether the target user terminal meets the service renewal conditions according to the evaluation result; and performs prompt processing according to the judgment result. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal. BRIEF DESCRIPTION OF THE DRAWINGS

[0068] In order to more clearly illustrate the scheme in the present application, a brief introduction is given below to the drawings required for use in the description of the embodiments of the present application. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0069] Figure 1 is an exemplary system architecture diagram to which the present application may be applied;

[0070] Figure 2 is a flow chart of an embodiment of a service renewal management method according to the present application;

[0071] Figure 3 It is a flowchart of a specific embodiment of the method for querying information of services to be renewed in the service renewal management method described in this application;

[0072] Figure 4 It is a flowchart of another specific embodiment of the method for querying information of services to be renewed in the service renewal management method described in this application;

[0073] Figure 5 yes Figure 4A flowchart of a specific embodiment of step 403 is shown;

[0074] Figure 6 It is a flowchart of a specific embodiment of the method for constructing a user group in the service renewal management method described in this application;

[0075] Figure 7 yes Figure 2 A flowchart of a specific embodiment of step 201 is shown;

[0076] Figure 8 It is a flowchart of a specific embodiment of the method for constructing a user evaluation model in the service renewal management method described in this application;

[0077] Fig. 9 yes Figure 2 A flowchart of a specific embodiment of step 203 is shown;

[0078] Fig.10 is a structural diagram of an embodiment of a service renewal control device according to the present application;

[0079] Fig.11 It is a structural diagram of an embodiment of a computer device according to the present application. DETAILED DESCRIPTION

[0080] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by technicians in the technical field of the present application; the terms used in the specification of the application herein are only for the purpose of describing specific embodiments and are not intended to limit the present application; the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. The terms "first", "second", etc. in the specification and claims of the present application or the above-mentioned drawings are used to distinguish different objects, not to describe a specific order.

[0081] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0082] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0083] like Figure 1As shown, the system architecture 100 may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0084] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0085] The terminal devices 101, 102, and 103 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, e-book readers, MP3 players (Moving Picture Experts Group Audio Layer III), MP4 (Moving Picture Experts Group Audio Layer IV) players, laptop computers, desktop computers, etc.

[0086] The server 105 may be a server that provides various services, such as a background server that provides support for web pages displayed on the terminal devices 101 , 102 , and 103 .

[0087] It should be noted that the service renewal control method provided in the embodiment of the present application is generally executed by a terminal device, and accordingly, the service renewal control device is generally set in the terminal device.

[0088] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0089] Continue to refer Figure 2 , shows a flow chart of an embodiment of a service renewal management method according to the present application. The service renewal management method comprises the following steps:

[0090] Step 201: Identify the user group to which the target user terminal belongs.

[0091] In this embodiment, before executing the step of identifying the user group to which the target user terminal belongs, the service renewal management and control method further includes a method for querying information of services to be renewed.

[0092] Continue to refer Figure 3 , Figure 3 It is a flowchart of a specific embodiment of the method for querying information of services to be renewed in the service renewal management method described in this application, including:

[0093] Step 301, using a message monitoring method to obtain the latest received service renewal request;

[0094] Step 302: Identify the target user terminal by parsing the service renewal request, wherein the service renewal request includes the identification information of the user terminal sending the service renewal request and the service unique identification code corresponding to the identification information of the user terminal;

[0095] In this embodiment, the step of identifying the target user terminal by parsing the service renewal request specifically includes: parsing the service renewal request to obtain identification information of the user terminal sending the service renewal request; and using the user terminal corresponding to the identification information as the target user terminal.

[0096] In this embodiment, after executing the step of identifying the target user terminal by parsing the service renewal request, the method further includes: parsing the service renewal request to obtain a service unique identification code corresponding to the user terminal identification information.

[0097] Step 303: query the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information.

[0098] In this embodiment, the step of querying the to-be-renewed service information of the target user terminal based on the service unique identification code corresponding to the user terminal identification information specifically includes: using the service unique identification code as retrieval data, retrieving the service agreement signed by the target user terminal from a preset service management library, wherein the service unique identification code includes the contract coding information of the service agreement; parsing the service agreement to obtain service name information and service agreement information, and setting the service name information and the service agreement information as the to-be-renewed service information of the target user terminal, wherein the service name information and service agreement information are recorded in the service agreement.

[0099] Specifically, the latest received service renewal request is obtained through message monitoring, and then the service renewal request is parsed to identify the target user terminal and the service unique identification code, and the service information to be renewed of the target user terminal is queried according to the service unique identification code. By querying the service information to be renewed, the service renewal or not can be analyzed from the perspective of the customer group in combination with the service information to be renewed.

[0100] In this embodiment, the service renewal request, for example, taking a financial leasing company as an example, the vehicle leasing service provided by the leasing company, under normal circumstances, requires the target user to pay a certain amount of lease money, so that the vehicle can be used within a certain period, and the service renewal request is the request for continued leasing in the next round after the current round of leasing ends. The service unique identification code can also be understood as the unique number of the lease contract, and the service information to be renewed specifically includes the name of the leasing business and the lease agreement matters. Of course, the service renewal request can also be a rent renewal request. In short, the service renewal request can be understood as a renewal request sent by the service user in order to continue to use the target service, and can also include virtual services, such as: renewal requests after the expiration of video membership cards and store membership cards.

[0101] Continue to refer Figure 4 , Figure 4 It is a flowchart of another specific embodiment of the method for querying information of services to be renewed in the service renewal management method described in the present application, including:

[0102] Step 401, filtering out users whose services are about to expire from a preset service management library according to a preset automatic screening strategy, wherein the automatic screening strategy includes automatic screening according to the expiration date of the service;

[0103] Step 402, querying the communication mode of the user from the historical service record file, and determining the target user terminal based on the communication mode, wherein each user terminal has unique user terminal identification information, and the historical service record file records the service unique identification code corresponding to the user terminal identification information;

[0104] Step 403: query the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information.

[0105] Continue to refer Figure 5 , Figure 5 yes Figure 4 The flowchart of a specific embodiment of step 403 shown includes:

[0106] Step 501, using the service unique identification code as search data, to retrieve the service agreement signed by the target user terminal from a preset service management library, wherein the service unique identification code includes the contract coding information of the service agreement;

[0107] Step 502, parse the service agreement to obtain service name information and service agreement information, set the service name information and the service agreement information as the target user's terminal's to-be-renewed service information, wherein the service agreement records the service name information and service agreement information.

[0108] Specifically, through an automated screening method, users whose services are about to expire are screened out, and then the communication method of the user is queried from the historical service record file. Based on the communication method, the target user terminal and the service unique identification code are determined, and the service information to be renewed of the target user terminal is queried according to the service unique identification code.

[0109] The above provides two ways to obtain the information of pending renewal services. One is to passively obtain the information of pending renewal services through the service renewal request sent by the target user, and the other is to actively obtain the information of pending renewal services through automatic screening. The two methods can be selected or used in combination, so that when the service expires, the service renewal screening can be carried out in time to avoid missing the pending renewal service and ensure the processing efficiency of the company's business.

[0110] In this embodiment, before executing the step of determining the user group to which the target user terminal belongs according to the service information to be renewed, the service renewal management and control method further includes a user group construction method.

[0111] Continue to refer Figure 6 , Figure 6 It is a flowchart of a specific embodiment of the method for constructing a user group in the service renewal management method described in this application, including:

[0112] Step 601, using service name information and service agreement information as common clustering conditions, clustering users with the same service name and the same service agreement information to obtain clusters;

[0113] Step 602: Obtain identification information of users in each cluster respectively, and add identification information of users in the same cluster into the same set to construct user groups corresponding to each cluster respectively.

[0114] In this embodiment, the step of identifying the user group to which the target user terminal belongs specifically includes: determining the user group to which the target user terminal belongs according to the service to be renewed information.

[0115] Continue to refer Figure 7 , Figure 7 yes Figure 2 The flowchart of a specific embodiment of step 201 shown includes:

[0116] Step 701, based on the to-be-renewed service information, identifying the service name information and service agreement information to be renewed by the target user terminal;

[0117] Step 702, using the service name information and the service agreement information as identification conditions, identifying a cluster with the service name information and the service agreement information as common clustering conditions as a target cluster;

[0118] Step 703: determine the user group corresponding to the target cluster as the user group to which the target user terminal belongs.

[0119] By constructing a user group in advance based on the service name information and the service agreement information, and then identifying the service name information and the service agreement information to be renewed by the target user terminal, the service name information and the service agreement information are used as identification conditions to identify the user group to which the target user terminal belongs. It is convenient to subsequently construct a user evaluation model based on the evaluation index data corresponding to all the user terminals in the user group in the previous service cycle, evaluate the evaluation index data corresponding to the target user terminal through the user evaluation model, and then identify whether to renew the service based on the evaluation result.

[0120] Step 202: Obtain evaluation index data corresponding to the target user terminal.

[0121] In this embodiment, the evaluation index data includes, for example, the average monthly operating mileage in the vehicle rental business, the average monthly turnover in the house rental business, the average monthly shopping amount in the store membership card renewal business, etc.

[0122] Step 203, input the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal, wherein the user evaluation model is constructed according to the evaluation index data corresponding to all user terminals in the user group in the previous service cycle.

[0123] In this embodiment, before executing the step of inputting the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal, the service renewal management method also includes a user evaluation model construction method.

[0124] Continue to refer Figure 8 , Figure 8 It is a flowchart of a specific embodiment of the method for building a user evaluation model in the service renewal management method described in this application, including:

[0125] Step 801, obtaining evaluation index data corresponding to all user terminals in each user group in the previous service cycle, and constructing an evaluation index data set corresponding to each user group;

[0126] Step 802, constructing an evaluation sub-model corresponding to each user group according to the evaluation index data set corresponding to each user group and the preset evaluation algorithm;

[0127] In this embodiment, the preset evaluation algorithm includes a normal distribution algorithm. The step of constructing an evaluation sub-model corresponding to each user group according to the evaluation indicator data set corresponding to each user group and the preset evaluation algorithm specifically includes: performing normal distribution fitting on the evaluation indicator data set corresponding to each user group to obtain a normal distribution curve corresponding to each user group; using the normal distribution curve corresponding to each user group as an evaluation reference curve, and constructing a multi-level evaluation threshold value according to the μ value and σ value of each normal distribution curve, deploying the evaluation reference curve and the multi-level evaluation threshold value in groups to the corresponding evaluation sub-model, and completing the construction of the evaluation sub-model corresponding to each user group, wherein μ is the mean and σ is the standard deviation.

[0128] Specifically, the method of constructing multi-level evaluation thresholds according to the μ value and σ value of each normal distribution curve includes: using μ-3σ, μ-2σ, μ-σ, μ+σ, μ+2σ and μ+3σ as multi-level evaluation thresholds to construct multiple user evaluation levels.

[0129] By combining user groups and pre-constructing multiple user evaluation levels, the user level can be identified directly based on the evaluation threshold interval of the evaluation index data corresponding to the target user end, ensuring that service renewal is provided to more high-quality customers, thereby reducing the risk of enterprise service renewal. At the same time, according to the gradual increase in the user group, μ is the mean, σ is the standard deviation, and the evaluation threshold interval corresponding to multiple user evaluation levels is also a dynamically changing value. The dynamic evaluation threshold interval is constructed in combination with the user group, making the service renewal risk assessment method more scientific, facilitating risk management of service renewal, avoiding blind renewal, ensuring that service renewal is provided to more high-quality customers, and reducing the risk of enterprise service renewal.

[0130] Step 803, integrating all evaluation sub-models into the same model according to different user groups, to obtain the pre-purchase user evaluation model.

[0131] Continue to refer Fig. 9 , Fig. 9 yes Figure 2 The flowchart of a specific embodiment of step 203 shown includes:

[0132] Step 901, according to the user group to which the target user terminal belongs, a target evaluation sub-model is selected from the user evaluation model;

[0133] Step 902: Send the evaluation index data corresponding to the target user terminal to the target evaluation sub-model, and obtain the output result of the target evaluation sub-model as the evaluation result.

[0134] In this embodiment, the step of sending the evaluation index data corresponding to the target user terminal to the target evaluation sub-model and obtaining the output result of the target evaluation sub-model as the evaluation result specifically includes: judging the size relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model; determining the user level corresponding to the target user terminal according to the size relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model and a preset user level table; and outputting the user level corresponding to the target user terminal as the evaluation result.

[0135] Step 204: judging whether the target user terminal meets a preset service renewal condition according to the evaluation result.

[0136] In this embodiment, the step of determining whether the target user terminal meets the preset service renewal conditions based on the evaluation results specifically includes: identifying the user level corresponding to the target user terminal based on the evaluation results; determining whether the user level is higher than a preset service level, wherein the service level is a pre-selected reference user level; if the user level is higher than the service level, the target user terminal meets the preset service renewal conditions; if the user level is not higher than the service level, the target user terminal does not meet the preset service renewal conditions.

[0137] By setting the service level, it is determined whether the user level is higher than the preset service level, thereby determining whether the target user terminal meets the preset service renewal conditions. This facilitates risk management of service renewal and avoids blind renewal.

[0138] Step 205: If the target user terminal does not meet the service renewal condition, a prompt message is sent to the target user terminal indicating that the service will not be renewed.

[0139] Step 206: If the target user terminal meets the service renewal condition, a prompt message for continuing to renew the service is sent to the target user terminal.

[0140] This application identifies the user group to which the target user terminal belongs; obtains the evaluation index data of the target user terminal; obtains the evaluation result; determines whether the target user terminal meets the service renewal conditions according to the evaluation result; and performs prompt processing according to the judgment result. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal.

[0141] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0142] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0143] In the embodiment of the present application, the user group to which the target user terminal belongs is identified; the evaluation index data of the target user terminal is obtained; the evaluation result is obtained; according to the evaluation result, it is determined whether the target user terminal meets the service renewal conditions; and prompts are processed respectively according to the judgment results. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal.

[0144] Further references Fig.10 , as a response to the above Figure 2 The present application provides an embodiment of a service renewal management device, and the device embodiment is similar to Figure 2 Corresponding to the method embodiment shown, the device can be specifically applied to various electronic devices.

[0145] like Fig.10 As shown, the service renewal management device 10 described in this embodiment includes: a user group identification module 10a, an evaluation index data acquisition module 10b, an evaluation result acquisition module 10c, a condition judgment module 10d, a first branch processing module 10e and a second branch processing module 10f. Among them:

[0146] A user group identification module 10a is used to identify the user group to which the target user terminal belongs;

[0147] An evaluation index data acquisition module 10b is used to acquire evaluation index data corresponding to the target user terminal;

[0148] An evaluation result obtaining module 10c is used to input the evaluation index data into a pre-built user evaluation model to obtain the evaluation result of the target user terminal, wherein the user evaluation model is constructed based on the evaluation index data corresponding to all user terminals in the user group in the previous service cycle;

[0149] A condition judgment module 10d, used to judge whether the target user terminal meets the preset service renewal condition according to the evaluation result;

[0150] The first branch processing module 10e is configured to send a prompt message to the target user terminal indicating that the service will not be renewed if the target user terminal does not meet the service renewal condition;

[0151] The second branch processing module 10f is configured to send a prompt message for continuing to renew the service to the target user terminal if the target user terminal meets the service renewal condition.

[0152] This application identifies the user group to which the target user terminal belongs; obtains the evaluation index data of the target user terminal; obtains the evaluation result; determines whether the target user terminal meets the service renewal conditions according to the evaluation result; and performs prompt processing according to the judgment result. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal.

[0153] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through computer-readable instructions, and the computer-readable instructions can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, the aforementioned storage medium can be a non-volatile storage medium such as a disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0154] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0155] To solve the above technical problems, the present application also provides a computer device. Fig.11 , Fig.11 This is a basic structural block diagram of the computer device in this embodiment.

[0156] The computer device 11 includes a memory 11a, a processor 11b, and a network interface 11c that are interconnected through a system bus. It should be noted that the figure only shows a computer device 11 having a memory 11a, a processor 11b, and a network interface 11c, but it should be understood that it is not required to implement all the components shown, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to a microprocessor, an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA), a digital processor (DSP), an embedded device, etc.

[0157] The computer device may be a computing device such as a desktop computer, a notebook, a PDA, a cloud server, etc. The computer device may interact with a user through a keyboard, a mouse, a remote controller, a touch pad, or a voice control device.

[0158] The memory 11a includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the memory 11a can be an internal storage unit of the computer device 11, such as a hard disk or memory of the computer device 11. In other embodiments, the memory 11a can also be an external storage device of the computer device 11, such as a plug-in hard disk equipped on the computer device 11, a smart memory card (Smart Med ia Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. Of course, the memory 11a can also include both the internal storage unit of the computer device 11 and its external storage device. In this embodiment, the memory 11a is generally used to store an operating system and various application software installed on the computer device 11, such as a computer-readable instruction of a service renewal management method. In addition, the memory 11a can also be used to temporarily store various data that have been output or are to be output.

[0159] The processor 11b may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chips in some embodiments. The processor 11b is generally used to control the overall operation of the computer device 11. In this embodiment, the processor 11b is used to run the computer-readable instructions stored in the memory 11a or process data, such as running the computer-readable instructions of the service renewal management method.

[0160] The network interface 11c may include a wireless network interface or a wired network interface. The network interface 11c is generally used to establish a communication connection between the computer device 11 and other electronic devices.

[0161] The computer device proposed in this embodiment belongs to the field of business control technology and is applied in the service renewal management scenario. This application identifies the user group to which the target user terminal belongs; obtains the evaluation index data of the target user terminal; obtains the evaluation result; judges whether the target user terminal meets the service renewal conditions according to the evaluation result; and performs prompt processing according to the judgment result. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal.

[0162] The present application also provides another implementation, namely, providing a computer-readable storage medium, wherein the computer-readable storage medium stores computer-readable instructions, and the computer-readable instructions can be executed by a processor to enable the processor to perform the steps of the service renewal management method as described above.

[0163] The computer-readable storage medium proposed in this embodiment belongs to the field of business control technology and is applied to the service renewal management scenario. This application identifies the user group to which the target user terminal belongs; obtains the evaluation index data of the target user terminal; obtains the evaluation result; judges whether the target user terminal meets the service renewal conditions according to the evaluation result; and performs prompt processing according to the judgment result. By determining whether the target user terminal meets the preset service renewal conditions, it is convenient to manage the risk of service renewal, avoid blind renewal, ensure that service renewal is provided to more high-quality customers, and reduce the risk of enterprise service renewal.

[0164] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, or the part that contributes to the prior art, can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present application.

[0165] Obviously, the embodiments described above are only some embodiments of the present application, rather than all embodiments. The preferred embodiments of the present application are given in the accompanying drawings, but they do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application is described in detail with reference to the aforementioned embodiments, for those skilled in the art, it is still possible to modify the technical solutions recorded in the aforementioned specific implementation methods, or to perform equivalent replacement of some of the technical features therein. Any equivalent structure made using the contents of the specification and drawings of this application, directly or indirectly used in other related technical fields, is similarly within the scope of patent protection of this application.

Claims

1. A service renewal management and control method, characterized in that: The steps include: Identify the user group to which the target user terminal belongs; Obtaining evaluation index data corresponding to the target user terminal; Inputting the evaluation index data into a pre-built user evaluation model to obtain an evaluation result of the target user terminal, wherein the user evaluation model is constructed based on the evaluation index data corresponding to all user terminals in the user group in the previous service cycle; According to the evaluation result, determining whether the target user terminal meets the preset service renewal conditions; If the target user terminal does not meet the service renewal condition, sending a prompt message to the target user terminal that the service will not be renewed; If the target user terminal meets the service renewal condition, a prompt message for continuing to renew the service is sent to the target user terminal.

2. The service renewal management method according to claim 1, characterized in that: Before executing the step of identifying the user group to which the target user terminal belongs, the method further includes: Use message monitoring to obtain the latest service renewal requests received; Identify the target user terminal by parsing the service renewal request, wherein the service renewal request includes identification information of the user terminal sending the service renewal request and a service unique identification code corresponding to the identification information of the user terminal; Querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information; The step of identifying the user group to which the target user terminal belongs specifically includes: The user group to which the target user terminal belongs is determined according to the service information to be renewed.

3. The service renewal management method according to claim 2, characterized in that: The step of identifying the target user terminal by parsing the service renewal request specifically includes: Parsing the service renewal request to obtain identification information of the user terminal that sent the service renewal request; Taking the user terminal corresponding to the identification information as the target user terminal; After executing the step of identifying the target user terminal by parsing the service renewal request, the method further includes: The service renewal request is parsed to obtain a service unique identification code corresponding to the user terminal identification information.

4. The service renewal management method according to claim 1, characterized in that: Before executing the step of identifying the user group to which the target user terminal belongs, the method further includes: According to a preset automatic screening strategy, users whose services are about to expire are screened out from a preset service management library, wherein the automatic screening strategy includes automatic screening according to the expiration date of the service; Querying the communication mode of the user from the historical service record file, and determining the target user terminal based on the communication mode, wherein each user terminal has unique user terminal identification information, and the historical service record file records the service unique identification code corresponding to the user terminal identification information; Querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information; The step of identifying the user group to which the target user terminal belongs specifically includes: The user group to which the target user terminal belongs is determined according to the service information to be renewed.

5. The service renewal management method according to claim 2 or 4, characterized in that: The step of querying the to-be-renewed service information of the target user terminal according to the service unique identification code corresponding to the user terminal identification information specifically includes: Using the service unique identification code as search data, the service agreement signed by the target user terminal is retrieved from a preset service management library, wherein the service unique identification code includes the contract coding information of the service agreement; Parsing the service agreement to obtain service name information and service agreement information, and setting the service name information and the service agreement information as the to-be-renewed service information of the target user terminal, wherein the service name information and the service agreement information are recorded in the service agreement; Before executing the step of determining the user group to which the target user terminal belongs according to the service information to be renewed, the method further includes: Taking the service name information and service agreement information as common clustering conditions, clustering is performed on users with the same service name and the same service agreement information to obtain clusters; Obtain identification information of users in each cluster respectively, and add identification information of users in the same cluster to the same set, so as to construct user groups corresponding to each cluster respectively; The step of determining the user group to which the target user terminal belongs according to the service information to be renewed specifically includes: Based on the to-be-renewed service information, identifying the service name information and service agreement information to be renewed by the target user terminal; Taking the service name information and the service agreement information as identification conditions, identifying a cluster with the service name information and the service agreement information as common clustering conditions as a target cluster; The user group corresponding to the target cluster is determined as the user group to which the target user terminal belongs.

6. The service renewal management method according to claim 1, characterized in that: Before executing the step of inputting the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal, the method further includes: Obtain the evaluation index data corresponding to all user terminals in each user group in the previous service cycle, and construct an evaluation index data set corresponding to each user group; According to the evaluation index data set and the preset evaluation algorithm corresponding to each user group, an evaluation sub-model corresponding to each user group is constructed; Integrate all evaluation sub-models into the same model according to different user groups to obtain the user evaluation model of the pre-purchase model; The step of inputting the evaluation index data into the pre-built user evaluation model to obtain the evaluation result of the target user terminal specifically includes: According to the user group to which the target user terminal belongs, a target evaluation sub-model is selected from the user evaluation model; The evaluation index data corresponding to the target user terminal is sent to the target evaluation sub-model, and the output result of the target evaluation sub-model is obtained as the evaluation result.

7. The service renewal management method according to claim 6, characterized in that: The preset evaluation algorithm includes a normal distribution algorithm. The step of constructing an evaluation sub-model corresponding to each user group according to the evaluation indicator data set corresponding to each user group and the preset evaluation algorithm specifically includes: Perform normal distribution fitting on the evaluation index data set corresponding to each user group to obtain the normal distribution curve corresponding to each user group; The normal distribution curve corresponding to each user group is used as an evaluation reference curve, and a multi-level evaluation threshold is constructed according to the μ value and σ value of each normal distribution curve, and the evaluation reference curve and the multi-level evaluation threshold are deployed in groups to the corresponding evaluation sub-model to complete the construction of the evaluation sub-model corresponding to each user group, wherein μ is the mean and σ is the standard deviation; The step of sending the evaluation index data corresponding to the target user terminal to the target evaluation sub-model and obtaining the output result of the target evaluation sub-model as the evaluation result specifically includes: Determine the magnitude relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model; Determine the user level corresponding to the target user terminal according to the size relationship between the evaluation index data and the multi-level evaluation threshold in the target evaluation sub-model and a preset user level table; The user level corresponding to the target user terminal is output as the evaluation result.

8. A service renewal management and control device, characterized in that: include: A user group identification module, used to identify the user group to which the target user terminal belongs; An evaluation index data acquisition module, used to acquire the evaluation index data corresponding to the target user terminal; An evaluation result obtaining module, used for inputting the evaluation index data into a pre-built user evaluation model to obtain the evaluation result of the target user terminal, wherein the user evaluation model is constructed based on the evaluation index data corresponding to all user terminals in the user group in the previous service cycle; A condition judgment module, used to judge whether the target user terminal meets the preset service renewal condition according to the evaluation result; A first branch processing module, configured to send a prompt message to the target user terminal indicating that the service will not be renewed if the target user terminal does not meet the service renewal condition; The second branch processing module is used to send a prompt message for continuing to renew the service to the target user terminal if the target user terminal meets the service renewal condition.

9. A computer device, characterized in that: It comprises a memory and a processor, wherein the memory stores computer-readable instructions, and when the processor executes the computer-readable instructions, the steps of the service renewal management method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-readable instructions, and when the computer-readable instructions are executed by a processor, the steps of the service renewal management method according to any one of claims 1 to 7 are implemented.

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