User card activating method, device, equipment and product

Abstract

The invention discloses a user card activating method, device, equipment and product, and relates to the technical field of data analysis, and the method comprises the steps: receiving an initial customer information sheet sent by a user, sending the initial customer information sheet to a management platform, and verifying the initial customer information sheet by the management platform to obtain a verification result; receiving a verification result sent by the management platform, and sending the verification result to the user for confirmation; receiving a final customer information sheet sent by the user; and sending a card activating request and the final customer information sheet to the management platform, and activating a card by the management platform based on the card activating request and the final customer information sheet to obtain a card activating result. The problem that the card activating result is unreasonable and cannot meet user requirements due to the fact that customer information is not fully verified and mined is solved, and the card activating accuracy is improved.

Description

Technical Field

[0001] The present application relates to the field of data analysis technology, and in particular to a user card activation method, device, equipment and product. Background Art

[0002] Today, with the rapid development of Internet information technology, electronic informatization has brought convenience to life, but it has also brought severe challenges to personal financial risk prevention. In recent years, relevant state departments have successively introduced various policies and implemented relevant measures to strictly control personal risks. Against this background, when individual customers open a new bank account, banks will often conduct more stringent reviews and restrictions on new card customers in order to control risks. However, while reducing risks, it may also lead to the inability to meet the personalized needs of some customers, which may easily cause customer dissatisfaction.

[0003] At present, most banks generally adopt a one-size-fits-all approach when opening new accounts for individual customers. They do not give customers appropriate autonomy based on the various dimensions of information they fill out when opening a card, and are unable to meet the diverse needs of customers, causing inconvenience to customers.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a user card activation method, device, equipment and product, aiming to solve the technical problem that the customer information is not fully verified and mined, resulting in unreasonable card activation results and failure to meet user needs.

[0006] To achieve the above purpose, the present application proposes a user card activation method, which is applied to a customer service end and includes:

[0007] Receiving an initial customer information sheet sent by a user, sending the initial customer information sheet to a management platform, and having the management platform verify the initial customer information sheet to obtain a verification result;

[0008] Receiving the verification result sent by the management platform, and sending the verification result to the user for confirmation;

[0009] Receive the final customer information sheet sent by the user;

[0010] A card activation request and a final customer information sheet are sent to the management platform, and the management platform activates the card based on the card activation request and the final customer information sheet to obtain a card activation result.

[0011] In one embodiment, after the step of sending the card activation request and the final customer information sheet to the management platform, and the management platform activating the card based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes:

[0012] Receiving user risk information and user potential information sent by the management platform when the development result is successful card activation;

[0013] Based on the preset business content, risk prediction is performed through the user risk information to obtain a risk prediction result;

[0014] When the risk prediction result is less than the risk threshold, based on the business content, marketing analysis is performed through the user potential information to obtain a marketing strategy;

[0015] Recommending equity information to the user based on the marketing strategy.

[0016] In addition, to achieve the above purpose, the present application also proposes a user card activation method, which is applied to a management platform and includes:

[0017] Receive the initial customer information sent by the client, verify the initial customer information, obtain the verification result, and send the verification result to the client, which is then submitted to the user for confirmation. When the user completes the confirmation, obtain the final customer information;

[0018] Receive the card activation request and the final customer information sheet sent by the client, activate the card based on the card activation request and the final customer information sheet, and obtain the card activation result.

[0019] In one embodiment, the step of receiving initial customer information sent by the client, verifying the initial customer information, obtaining a verification result, and sending the verification result to the client, which is then submitted by the client to the user for confirmation. When the user confirms the result, obtaining the final customer information includes:

[0020] Analyze the site information of the customer service end to obtain the branch information, outlet information and customer portrait corresponding to the customer service end;

[0021] An information filling template is obtained by constructing the branch information, outlet information and customer portrait;

[0022] The initial customer information is verified based on the information filling template to obtain a verification result, and the verification result is sent to the client.

[0023] In one embodiment, the step of receiving a card activation request and a final customer information sheet sent by a client, and performing card activation based on the card activation request and the final customer information sheet to obtain a card activation result includes:

[0024] generating a third-party information acquisition request based on the final customer information sheet;

[0025] Sending the third-party information acquisition request to the cooperation end, and the cooperation end performing data query based on the third-party information acquisition request to obtain the third-party data;

[0026] Receiving third-party data sent by the cooperation end;

[0027] After data preprocessing, the third-party data and the final customer information sheet are input into a pre-built risk and potential prediction model for prediction to obtain user risk information and user potential information of the user;

[0028] Analyze the card opening request according to the user risk information and the user potential information to obtain an analysis result;

[0029] When the analysis result is passed, the card activation process is executed to obtain the card activation result.

[0030] In one embodiment, before the step of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes:

[0031] Extracting features from the branch information, outlet information, and customer portraits to obtain data features;

[0032] The data features are sent to a preset prediction model for model training to obtain a risk and potential prediction model.

[0033] In one embodiment, after the step of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes:

[0034] Generate a card activation record table according to the card activation result, and simultaneously write user risk information and user potential information corresponding to the card activation result into the card activation record table;

[0035] The risk and potential prediction model is iteratively updated through the card opening record table.

[0036] In addition, to achieve the above purpose, the present application also proposes a user card opening device, which is applied to a customer service end and includes:

[0037] A receiving module, used for receiving an initial customer information sheet sent by a user, and sending the initial customer information sheet to a management platform, and the management platform verifies the initial customer information sheet to obtain a verification result;

[0038] The card activation module is used to receive the verification result sent by the management platform, send the verification result to the user for confirmation, obtain the final customer information sheet when the user confirmation is completed, and send a card activation request to the management platform based on the final customer information sheet. The management platform activates the card based on the card activation request and the final customer information sheet to obtain the card activation result.

[0039] In addition, to achieve the above-mentioned purpose, the present application also proposes a user card activation device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the user card activation method described above.

[0040] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the user card activation method described above are implemented.

[0041] One or more technical solutions proposed in this application have at least the following technical effects:

[0042] The embodiment of the present application proposes a user card opening method, device, equipment, storage medium and computer program product, which receives the initial customer information sheet sent by the user, sends the initial customer information sheet to the management platform, and the management platform verifies the initial customer information sheet to obtain the verification result; receives the verification result sent by the management platform, and sends the verification result to the user for confirmation; receives the final customer information sheet sent by the user; sends the card opening request and the final customer information sheet to the management platform, and the management platform performs the card opening based on the card opening request and the final customer information sheet to obtain the card opening result. Thus, the initial customer information sheet of the user is received through the client end, and then the management platform verifies the initial customer information to obtain the verification result, and then the client sends the verification result to the user for confirmation. When it is determined to be completed, the final customer information sheet is obtained, and the card opening request is sent to the management platform, and the management platform executes the card opening process to obtain the card opening result, which solves the problem that the customer information is not fully verified and mined, resulting in unreasonable card opening results and failure to meet user needs, and improves the accuracy of card opening. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0044] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0045] Figure 1 A flowchart of the first embodiment of the method for opening a card for a user of this application;

[0046] Figure 2 A flowchart of the second embodiment of the method for opening a card for a user of this application;

[0047] Figure 3 A schematic diagram of a simplified process of a method for activating a user card provided in Embodiment 2 of the present application;

[0048] Figure 4 This is a schematic diagram of the module structure of the user card opening device in the embodiment of the present application;

[0049] Figure 5 This is a schematic diagram of the device structure of the hardware operating environment involved in the user card activation method in the embodiment of the present application.

[0050] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0051] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0052] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0053] The main solution of the embodiment of the present application is: receiving the user risk information and user potential information sent by the management platform when the development result is a successful card opening; based on the preset business content, performing risk prediction through the user risk information to obtain a risk prediction result; when the risk prediction result is less than the risk threshold, based on the business content, performing marketing analysis through the user potential information to obtain a marketing strategy; recommending rights and interests information to the user based on the marketing strategy. Receive the initial customer information sent by the client, verify the initial customer information, obtain the verification result, and send the verification result to the client, which is submitted by the client to the user for confirmation. When the user confirms, the final customer information is obtained; receive the card opening request and the final customer information sheet sent by the client, open the card based on the card opening request and the final customer information sheet, and obtain the card opening result. Analyze the site information of the client to obtain the branch information, outlet information and customer portrait corresponding to the client; construct an information filling template through the branch information, outlet information and customer portrait; verify the initial customer information based on the information filling template to obtain the verification result, and send the verification result to the client. Generate a third-party information acquisition request based on the final customer information sheet; send the third-party information acquisition request to the cooperation end, and the cooperation end performs data query based on the third-party information acquisition request to obtain third-party data; receive the third-party data sent by the cooperation end; perform data preprocessing on the third-party data and the final customer information sheet, and input them into the pre-built risk and potential prediction model for prediction to obtain the user risk information and user potential information of the user; analyze the card opening request through the user risk information and user potential information to obtain the analysis result; if the analysis result is passed, execute the card opening process to obtain the card opening result. Extract features from the branch information, outlet information and customer portrait to obtain data features; send the data features to the preset prediction model for model training to obtain the risk and potential prediction model. Generate a card opening record table according to the card opening result, and simultaneously write the user risk information and user potential information corresponding to the card opening result into the card opening record table; iteratively update the risk and potential prediction model through the card opening record table. This solves the problem of insufficient verification and mining of customer information, resulting in unreasonable card opening results and failure to meet user needs, enables user card opening and improves card opening efficiency.Based on the scheme of the present invention, from the reality that when individual customers open new bank accounts, banks often conduct stricter reviews and restrictions on new card-opening customers in order to control risks. However, while reducing risks, it may also lead to failure to meet the personalized needs of some customers, easily causing customer dissatisfaction, and failure to guarantee whether the results of user card opening are accurate, thus affecting the customer experience. A user card opening method is designed, and the effectiveness of the user card opening method of the present invention is verified when opening cards for users. Finally, the efficiency of card opening by the method of the present invention is significantly improved.

[0054] In this embodiment, for the convenience of description, the following description is made by taking the user card opening device as the execution subject.

[0055] As existing technologies develop rapidly under the background of Internet information technology, electronic informatization has brought convenience to life, but also brought severe challenges to personal financial risk prevention. In recent years, relevant state departments have successively introduced various policies and implemented relevant measures to strictly control personal risks. Under this general background, when individual customers open a new bank account, banks often conduct stricter reviews and restrictions on new card customers in order to control risks. However, while reducing risks, it may also lead to the inability to meet the personalized needs of some customers, which may easily cause dissatisfaction among customers. At present, most banks generally adopt a one-size-fits-all approach when opening new accounts for individual customers. They do not give customers appropriate autonomy based on the various dimensions of information filled in by customers when opening cards, and are unable to meet the diverse needs of customers, causing inconvenience to customers.

[0056] The present application provides a solution and proposes a method and process for mining individual characteristics for new customer scenarios, predicting new customer potential and risks and conducting real-time marketing. The application focuses on the diversified and personalized needs of customers. On the premise of preventing risks as much as possible, the application fully integrates various types of information filled in by customers when opening a card, and uses some external data to predict customers' future asset potential and risk possibilities using machine learning related models. At the same time, in order to fill the information gap between the more complex mathematical principles behind the model and business personnel who are not familiar with the model, a matching model interpretable system is constructed to provide effective information support to front-line marketing personnel. Under this system, front-line marketing personnel conduct real-time targeted marketing for future high-potential and low-risk customers predicted by the model, and recommend appropriate related card types, so as to achieve the effect of meeting customers' diversified and personalized needs.

[0057] It can be seen from the above embodiments that the present application receives the initial customer information sheet sent by the user, sends the initial customer information sheet to the management platform, and the management platform verifies the initial customer information sheet to obtain the verification result; receives the verification result sent by the management platform, and sends the verification result to the user for confirmation; receives the final customer information sheet sent by the user; sends a card opening request and a final customer information sheet to the management platform, and the management platform performs card opening based on the card opening request and the final customer information sheet to obtain the card opening result. Thus, the initial customer information sheet of the user is received through the client end, and then the management platform verifies the initial customer information to obtain the verification result, and then the client sends the verification result to the user for confirmation. When it is determined to be completed, the final customer information sheet is obtained, and the card opening request is sent to the management platform, and the management platform executes the card opening process to obtain the card opening result, which solves the problem that the customer information is not fully verified and mined, resulting in unreasonable card opening results and failure to meet user needs, and improves the accuracy of card opening.

[0058] It should be noted that the execution subject of this embodiment can be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a user card opening device, etc. The following takes the user card opening device as an example to illustrate this embodiment and the following embodiments.

[0059] Based on this, the present application embodiment provides a method for user card activation, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for user card activation in this application.

[0060] In this embodiment, the user card activation method is applied to the customer service end, and the method includes steps S01 to S04:

[0061] Step S01, receiving an initial customer information sheet sent by a user, sending the initial customer information sheet to a management platform, and having the management platform verify the initial customer information sheet to obtain a verification result;

[0062] Step S02, receiving the verification result sent by the management platform, and sending the verification result to the user for confirmation;

[0063] Step S03, receiving the final customer information sheet sent by the user;

[0064] Step S04: sending a card activation request and a final customer information sheet to the management platform, and the management platform activates the card based on the card activation request and the final customer information sheet to obtain a card activation result.

[0065] Today, with the rapid development of Internet information technology, electronic informatization has brought convenience to life, but it has also brought severe challenges to personal financial risk prevention. In recent years, relevant state departments have successively introduced various policies and implemented relevant measures to strictly control personal risks. Against this background, when individual customers open a new bank account, banks will often conduct more stringent reviews and restrictions on new card customers in order to control risks. However, while reducing risks, it may also lead to the inability to meet the personalized needs of some customers, which may easily cause customer dissatisfaction.

[0066] At present, most banks generally adopt a one-size-fits-all approach when opening new accounts for individual customers. They do not give customers appropriate autonomy based on the various dimensions of information they fill out when opening a card, and are unable to meet the diverse needs of customers, causing inconvenience to customers.

[0067] Therefore, in this embodiment, the client is connected to a specific user, and after receiving the initial customer information form sent by the user, the initial customer information form is sent to the management platform, and the management platform verifies the initial customer information form to obtain a verification result. Among them, the initial customer information form in this embodiment can be understood as a document with a template, such as an information form at a bank counter, which is specifically used to collect customer information, such as identity card, customer identity, occupation, monthly income and other information.

[0068] After verification through the management platform, the verification result will be obtained. It should be clear that the verification result includes verification failure and verification success. If the verification fails, the client will notify the user (client) to supplement and modify the specific information, and if the verification result is passed, the user will also be notified to confirm at the same time. After confirmation, the final customer information sheet can be obtained, and a card activation request will be sent to the management platform based on the final customer information sheet. The management platform will activate the card based on the card activation request and the final customer information to obtain the card activation result.

[0069] Specifically, in the above step S04, after sending a card activation request and a final customer information sheet to the management platform, and the management platform activates the card based on the card activation request and the final customer information sheet, and obtaining a card activation result, the method further includes:

[0070] Step S05, receiving user risk information and user potential information sent by the management platform when the development result is successful card opening;

[0071] Step S06, based on the preset business content, risk prediction is performed through the user risk information to obtain a risk prediction result;

[0072] Step S07, when the risk prediction result is less than the risk threshold, based on the business content, a marketing analysis is performed through the user potential information to obtain a marketing strategy;

[0073] Step S08: recommending rights and interests information to the user based on the marketing strategy.

[0074] It should be clear that due to the different specific card opening locations and customer situations, after the card opening is completed, in order to provide users with a better experience, the client in this embodiment also synchronously receives the user risk information and user potential information sent by the management platform, wherein the user risk information can be understood as the user's regular investment situation, and the user potential information is the user's age and the increase in monthly income, etc.;

[0075] Then, based on the business content of the client, risk prediction can be performed through user risk information to check whether the user's fund usage has a high risk. If the risk prediction result is less than the risk threshold, marketing analysis of user potential information can be performed through business content. For example, if the user is between 25 and 30 years old, he may need to apply for car loans and mortgages in the future, but most of the savings cards in this area are Class II accounts. In order to facilitate the provision of loans to users, the client can obtain the following information: the user may need Class I card services (i.e., marketing strategy);

[0076] Finally, based on the obtained marketing strategy, we can recommend rights and interests information to users, such as upgrading to a Class A card and providing gifts when the deposit is sufficient.

[0077] This embodiment adopts the above scheme, specifically by receiving the initial customer information sheet sent by the user, sending the initial customer information sheet to the management platform, and the management platform verifies the initial customer information sheet to obtain the verification result; receiving the verification result sent by the management platform, and sending the verification result to the user for confirmation; receiving the final customer information sheet sent by the user; sending a card opening request and a final customer information sheet to the management platform, and the management platform performs card opening based on the card opening request and the final customer information sheet to obtain the card opening result. Thus, the initial customer information sheet of the user is received by the client end, and then the management platform verifies the initial customer information to obtain the verification result, and then the client sends the verification result to the user for confirmation. When it is determined to be completed, the final customer information sheet is obtained, and the card opening request is sent to the management platform, and the management platform executes the card opening process to obtain the card opening result, which solves the problem that the customer information is not fully verified and mined, resulting in unreasonable card opening results and failure to meet user needs, and improves the accuracy of card opening.

[0078] Based on the first embodiment of the present application, in the second embodiment of the present application, the same or similar contents as those in the above-mentioned embodiment 1 can be referred to the above introduction, and will not be repeated in the following. Figure 2 The user card activation method is also applied to the management platform, including steps S09 to S12:

[0079] Step S09, receiving the initial customer information sent by the client, verifying the initial customer information, obtaining a verification result, and sending the verification result to the client, which is then submitted to the user for confirmation. When the user completes the confirmation, the final customer information is obtained;

[0080] Step S12, receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet to obtain a card activation result.

[0081] After understanding the operations performed by the client, this embodiment also provides specific operations of the management platform. After receiving the initial customer information sent by the client, the initial customer information is verified. In this embodiment, the verification includes verifying the user's information (such as age and occupation) through a third-party platform on the Internet (such as a government affairs platform and an enterprise management platform, etc.) to obtain a specific verification result. For example, if the company provided by the user does not exist, the verification result will be output as failure, and the failed item is the company name. It is then handed over to the client, and the client hands it over to the user for confirmation. When the user confirms, the final customer information is obtained, and based on the final customer information, a card activation request is sent to the management platform;

[0082] After receiving the card activation request sent by the client, the card is activated based on the card activation request and the final customer information sheet to obtain the final card activation result. Among them, the card activation in this embodiment can refer to the activation of savings cards, credit cards, and membership cards, etc., and the specific settings should be made according to actual business needs.

[0083] Specifically, the above step S09, receiving the initial customer information sent by the client, verifying the initial customer information, obtaining a verification result, and sending the verification result to the client includes:

[0084] Step S091, analyzing the site information of the client terminal to obtain the branch information, outlet information and customer portrait corresponding to the client terminal;

[0085] Step S092, obtaining an information filling template through the branch information, outlet information and customer portrait construction;

[0086] Step S093, verifying the initial customer information based on the information filling template, obtaining a verification result, and sending the verification result to the client.

[0087] The site information of the client side is queried through the management platform to obtain the branch information, outlet information and customer portrait corresponding to the client side. The branch information includes the branch address, contact number, business hours and services provided, etc. The outlet information similarly includes the outlet address, contact number, business hours and service items. The above branch information and outlet information can be understood as a large bank enterprise with multiple branches, and each branch's specific user-oriented services are provided through outlets. Therefore, branches usually refer to branches of large banks or financial institutions, and outlets are broader, covering all types of service points, including ATMs and self-service machines. Customer portraits are constructed by collecting and analyzing customers' basic information, behavioral habits, purchasing preferences and other data to create a customer feature model. It usually includes age, gender, occupation, income level, interests and hobbies, consumption habits, etc., to help companies better understand target customer groups and formulate marketing strategies.

[0088] After knowing the branch information, outlet information and customer portrait, you can build an information filling template. For example, the branch information shows that the current address is Branch A, and the outlet information shows that the current address is City B. However, when the customer fills in Branch C and the address is City D, it is obviously incorrect. At this time, the verification result will be output as: verification failed. The specific failed items are the branch organization in the branch information and the outlet address in the outlet information.

[0089] After obtaining the specific verification result, the verification result can be sent to the client.

[0090] More specifically, the above step S12, receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result includes:

[0091] Step S121, generating a third-party information acquisition request based on the final customer information sheet;

[0092] Step S122, sending the third-party information acquisition request to the cooperation end, and the cooperation end performs data query based on the third-party information acquisition request to obtain the third-party data;

[0093] Step S123, receiving third-party data sent by the cooperation end;

[0094] Step S124, pre-processing the third-party data and the final customer information sheet and inputting them into a pre-built risk and potential prediction model for prediction to obtain the user risk information and user potential information of the user;

[0095] Step S125, analyzing the card opening request according to the user risk information and the user potential information to obtain an analysis result;

[0096] Step S126, when the analysis result is passed, execute the card activation process to obtain the card activation result.

[0097] In order to achieve a better card opening experience for customers, this embodiment uses data from multiple external third parties and conducts joint data modeling and constructs external data features through privacy computing, under the important premise of absolutely ensuring privacy and security. It should be clear that the business scenarios involved in a company are often relatively single, and it is impossible to consider the potential value and risks of customers from other aspects. By cooperating with third-party companies, using privacy computing methods, joint modeling, and analyzing customer value and risks from the perspective of other industries, customers can be evaluated more comprehensively, helping banks to acquire customers and reduce risks. Therefore, this embodiment obtains third-party information of customers through third-party institutions, and then performs corresponding data preprocessing on the third-party information and the final customer information sheet, and then inputs them into the pre-constructed risk and potential prediction model for prediction, thereby obtaining the customer's user risk information and user potential information;

[0098] Then, the card opening request is analyzed based on the user risk information and user potential information to analyze whether the user's card opening request is reasonable and whether there are better card opening options, etc., to obtain the analysis results;

[0099] It should be clear that in actual usage scenarios, priority should be given to respecting the user's choice. For example, if the user applies for a Class II savings card, forced sales may cause user dissatisfaction. Therefore, at this time, a single output analysis result can be used to indicate that the user's card activation request is reasonable, and the corresponding card activation process can be executed. During this process, the customer service end can explain to the user that there are better options, such as activating a Class I card. If the user confirms that there is no change, the card is activated and the activation result is obtained. If the user confirms that the card activation type is changed, the activated card type is changed, and the activation result is obtained in the same way.

[0100] Furthermore, before the step S12 of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes:

[0101] Step S10, extracting features from the branch information, outlet information and customer portrait to obtain data features;

[0102] Step S11, sending the data features to a preset prediction model for model training to obtain a risk and potential prediction model.

[0103] Before using the risk and potential prediction model, this embodiment also provides a specific model construction process: the steps of constructing the potential and risk model include:

[0104] (1) Determine the goal: clarify the purpose and application scenario of the model. In this embodiment, it is the prediction of the user's risk information and potential information. In other embodiments, it can also be investment decision-making and project evaluation.

[0105] (2) Data collection: In this embodiment, branch information, outlet information and customer profiles are used. However, in specific use, relevant market, financial, technical and competitive data should also be included. Information can be obtained through market research, industry reports and financial statements.

[0106] (3) Potential assessment: Conduct market analysis to assess the scale of consumption scenarios and customer growth potential. Also, conduct revenue forecasts, i.e., use historical data and market trends to build a revenue model.

[0107] (4) Risk identification: First, identify the potential risks of customers (which can refer to other companies here) in terms of market, technology, finance, and compliance. In addition to risk assessment, it is also necessary to assess the likelihood and impact of each risk;

[0108] (5) Risk quantification: Use quantitative or qualitative methods to score the identified risks, such as probability and impact matrices;

[0109] (6) Sensitivity analysis: Simulate different scenarios and assumptions, analyze changes in potential benefits and risks, and assess the robustness of the model;

[0110] The above steps can complete the construction of the risk and potential prediction model. When conducting specific analysis, the assessment results of potential and risk can also be integrated to form a comprehensive report to provide a basis for decision-making.

[0111] Furthermore, after the step S12 of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet to obtain the card activation result, the method further includes:

[0112] Step S13, generating a card activation record table according to the card activation result, and synchronously writing the user risk information and user potential information corresponding to the card activation result into the card activation record table;

[0113] Step S14, iteratively updating the risk and potential prediction model through the card opening record table.

[0114] It should be clear that in actual usage scenarios, customers in a region will not remain unchanged, which specifically includes changes in customer groups and social economy. In order to keep up with actual scenario changes, this embodiment records specific card opening results to obtain a card opening record table, and simultaneously writes user risk information and user potential information obtained by the risk and potential prediction model into the card opening record table;

[0115] Subsequently, the customer’s future potential and risk are predicted through the card opening record sheet, and a model update and iteration process is built to update and iterate the risk and potential prediction model every month based on the potential and risk of new card opening customers.

[0116] This embodiment adopts the above scheme, specifically by receiving the initial customer information sent by the client, verifying the initial customer information, obtaining the verification result, and sending the verification result to the client, which is then handed over to the user for confirmation. When the user confirms the result, the final customer information is obtained; receiving the card opening request and the final customer information sheet sent by the client, opening the card based on the card opening request and the final customer information sheet, and obtaining the card opening result. Thus, the initial customer information sheet of the user is received by the client, and then handed over to the management platform to verify the initial customer information, and obtain the verification result. Then the client sends the verification result to the user for confirmation. When the result is confirmed to be completed, the final customer information sheet is obtained, and the card opening request is sent to the management platform. The management platform executes the card opening process and obtains the card opening result. This solves the problem that the card opening result is unreasonable and cannot meet the needs of users due to insufficient verification and mining of customer information, and improves the accuracy of card opening.

[0117] For example, in order to help understand the implementation process of the user card opening method obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 3 , Figure 3 A brief flowchart of a user card activation method is provided, specifically:

[0118] The client end connects with specific customers. When opening an account, customers need to fill in information such as name, date of birth, occupation, education, address, etc. according to relevant requirements, and at the same time construct relevant derivative features, such as length of service, investment experience, etc., to improve the accuracy of the model. This information can reflect the customer's future potential to a certain extent. By mining these features, banks can better predict the value of customers.

[0119] After verification through the management platform, the verification result can be loaded through VTM, that is, the verification result of whether the pre-filled information is correct. If the verification result is that modification is required, the user will modify the information to obtain the final customer information, and enter the information into the management platform through Kafka. After the customer confirms the card activation, the management platform can carry out the specific card activation process based on the final customer information obtained, and analyze the user's risk information and potential information;

[0120] The client side will also upgrade and modify the user's marketing strategy accordingly based on the risk information and potential information obtained.

[0121] The management platform uses big data statistical analysis methods to analyze the number of customers of different potential levels and the number of risky customers at all levels of branches and outlets, and constructs characteristics related to customer potential levels and risks at all levels of branches and outlets, including the number and proportion of potential customers, the number and proportion of newly opened potential customers, the number and proportion of newly opened risky customers, etc., so as to consider customer value potential and risks from the dimensions of branches and outlets.

[0122] It should be clear that there are differences in customer quality in different regions, such as customers in old urban areas and new urban areas, and customers in economically developed areas and developing areas. As a result, the customer quality of outlets and branches serving different regions is also different. By exploring the differences in customers between outlets and branches in different regions, it can help banks judge customer value, cross-integrate the characteristics of constructed branches and affiliated outlets, and construct cross-integration characteristics of "branches plus subordinate outlets", such as the difference in the proportion of customers of different levels in institutions, explore the internal connection between branches and outlets, and use the relevant data accumulated within the company. Under the framework of compliance, explore the customer potential level and risk-related characteristics of the region, such as the proportion of regional value customers. The potential of customers in different regions is also different. Customers in developed regions have relatively higher assets. By exploring these characteristics, the effect of the model can be improved.

[0123] Then, in the management platform, with the help of multiple external third-party data, through privacy computing, under the important premise of absolutely ensuring privacy security, joint data modeling is carried out to build external data features. It should be clear that the business scenarios involved by the company are often relatively single, and it is impossible to consider the potential value and risks of customers from other aspects. By cooperating with third-party companies, using privacy computing methods, joint modeling, and analyzing customer value and risks from the perspective of other industries, customers can be evaluated more comprehensively, helping banks to acquire customers and reduce risks;

[0124] Combined with the above-mentioned customer dimension, region dimension, branch and outlet dimension and external data dimension, train potential and risk dual models to predict customers' future potential and risk, and build a model update and iteration process to update and iterate the model every month based on the potential and risk of new card customers;

[0125] According to the prediction results of the potential and risk models, combined with business knowledge, under the dual factors of comprehensive potential and risk, by analyzing the value recall and risk recall under different thresholds, we can find a balance between tapping customer potential and reducing bank risks.

[0126] In order to address the problem that front-line marketing personnel have doubts about the model's prediction results due to the information gap between the more complex mathematical principles behind the model and business personnel who are not familiar with the model, we have built a set of explainable system for model results from the dimensions of customers, branches, and outlets to better help front-line marketing personnel conduct marketing, improve the success rate and accuracy, and meet the diverse and personalized needs of customers.

[0127] By integrating the above processes, a complete set of data collection, data processing, external data processing, customer, branch, region and other feature mining, model result interpretation, model training iteration, real-time data stream processing, card opening process imperceptible embedding and real-time marketing processes are formed.

[0128] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the user card activation method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0129] This application also provides a user card opening device, please refer to Figure 4 , the device is applied to the client end, and the device includes:

[0130] The receiving module 10 is used to receive the initial customer information sheet sent by the user, and send the initial customer information sheet to the management platform, and the management platform verifies the initial customer information sheet to obtain a verification result;

[0131] The card activation module 20 is used to receive the verification result sent by the management platform, send the verification result to the user for confirmation, obtain the final customer information sheet when the user confirmation is completed, and send a card activation request to the management platform based on the final customer information sheet. The management platform activates the card based on the card activation request and the final customer information sheet to obtain the card activation result.

[0132] The user card opening device provided by the present application adopts the user card opening method in the above embodiment, which can solve the technical problem that the customer information is not fully verified and mined, resulting in unreasonable card opening results and failure to meet user needs. Compared with the prior art, the beneficial effects of the user card opening device provided by the present application are the same as the beneficial effects of the user card opening method provided by the above embodiment, and the other technical features of the user card opening device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0133] The present application provides a user card activation device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the user card activation method in the above-mentioned embodiment one.

[0134] Reference below Figure 5 , which shows a schematic diagram of the structure of a user card opening device suitable for implementing the embodiment of the present application. The user card opening device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The user card opening device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0135] like Figure 5As shown, the user card opening device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the user card opening device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the user card opening device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a user card opening device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0136] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0137] The user card opening device provided by the present application adopts the user card opening method in the above embodiment, which can solve the technical problem that the customer information is not fully verified and mined, resulting in unreasonable card opening results and failure to meet user needs. Compared with the prior art, the beneficial effects of the user card opening device provided by the present application are the same as the beneficial effects of the user card opening method provided by the above embodiment, and the other technical features of the user card opening device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0138] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0139] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0140] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the user card activation method in the above-mentioned embodiment.

[0141] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, 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 disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0142] The computer-readable storage medium may be included in the user card activation device; or may exist independently without being assembled into the user card activation device.

[0143] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the user card activation device, the user card activation device: receives an initial customer information sheet sent by the user, sends the initial customer information sheet to a management platform, and the management platform verifies the initial customer information sheet to obtain a verification result; receives the verification result sent by the management platform, and sends the verification result to the user for confirmation; receives a final customer information sheet sent by the user; sends a card activation request and a final customer information sheet to the management platform, and the management platform activates the card based on the card activation request and the final customer information sheet to obtain a card activation result.

[0144] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0145] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0146] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0147] The readable storage medium provided by the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned user card activation method, and can solve the technical problem that the card activation result is unreasonable and cannot meet the user's needs due to insufficient verification and mining of customer information. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the present application are the same as the beneficial effects of the user card activation method provided by the above-mentioned embodiment, and will not be repeated here.

[0148] The present application also provides a computer program product, including a computer program, which implements the steps of the user card activation method as described above when executed by a processor.

[0149] The computer program product provided by this application can solve the technical problem that insufficient verification and mining of customer information leads to unreasonable card opening results and cannot meet user needs. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as the beneficial effects of the user card opening method provided by the above embodiment, which will not be repeated here.

[0150] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for user card activation, characterized in that: The method is applied to the client side, and the method includes: Receiving an initial customer information sheet sent by a user, sending the initial customer information sheet to a management platform, and having the management platform verify the initial customer information sheet to obtain a verification result; Receiving the verification result sent by the management platform, and sending the verification result to the user for confirmation; Receive the final customer information sheet sent by the user; A card activation request and a final customer information sheet are sent to the management platform, and the management platform activates the card based on the card activation request and the final customer information sheet to obtain a card activation result.

2. The method according to claim 1, characterized in that After the step of sending the card activation request and the final customer information sheet to the management platform, and the management platform activating the card based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes: Receiving user risk information and user potential information sent by the management platform when the development result is successful card activation; Based on the preset business content, risk prediction is performed through the user risk information to obtain a risk prediction result; When the risk prediction result is less than the risk threshold, based on the business content, marketing analysis is performed through the user potential information to obtain a marketing strategy; Recommending equity information to the user based on the marketing strategy.

3. A method for user card activation, characterized in that: The method is applied to a management platform, and the method comprises: Receive the initial customer information sent by the client, verify the initial customer information, obtain the verification result, and send the verification result to the client, which is then submitted to the user for confirmation. When the user completes the confirmation, obtain the final customer information; Receive the card activation request and the final customer information sheet sent by the client, activate the card based on the card activation request and the final customer information sheet, and obtain the card activation result.

4. The method according to claim 3, characterized in that The step of receiving the initial customer information sent by the client, verifying the initial customer information, obtaining a verification result, and sending the verification result to the client comprises: Analyze the site information of the customer service end to obtain the branch information, outlet information and customer portrait corresponding to the customer service end; An information filling template is obtained by constructing the branch information, outlet information and customer portrait; The initial customer information is verified based on the information filling template to obtain a verification result, and the verification result is sent to the client.

5. The method according to claim 4, characterized in that The step of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet to obtain the card activation result comprises: generating a third-party information acquisition request based on the final customer information sheet; Sending the third-party information acquisition request to the cooperation end, and the cooperation end performing data query based on the third-party information acquisition request to obtain the third-party data; Receiving third-party data sent by the cooperation end; After data preprocessing, the third-party data and the final customer information sheet are input into a pre-built risk and potential prediction model for prediction to obtain user risk information and user potential information of the user; Analyze the card opening request according to the user risk information and the user potential information to obtain an analysis result; When the analysis result is passed, the card activation process is executed to obtain the card activation result.

6. The method according to claim 5, characterized in that Before the step of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes: Extracting features from the branch information, outlet information, and customer portraits to obtain data features; The data features are sent to a preset prediction model for model training to obtain a risk and potential prediction model.

7. The method according to claim 6, characterized in that After the step of receiving the card activation request and the final customer information sheet sent by the client, and performing card activation based on the card activation request and the final customer information sheet, and obtaining the card activation result, the method further includes: Generate a card activation record table according to the card activation result, and simultaneously write user risk information and user potential information corresponding to the card activation result into the card activation record table; The risk and potential prediction model is iteratively updated through the card opening record table.

8. A user card opening device, characterized in that: The device is applied to a customer service end, and the device comprises: A verification module, used for receiving an initial customer information sheet sent by a user, sending the initial customer information sheet to a management platform, and having the management platform verify the initial customer information sheet to obtain a verification result; A confirmation module, used to receive the verification result sent by the management platform, and send the verification result to the user for confirmation; A receiving module, used for receiving the final customer information sheet sent by the user; The card opening module is used to send a card opening request and a final customer information sheet to the management platform, and the management platform opens the card based on the card opening request and the final customer information sheet to obtain a card opening result.

9. A user card activation device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the user card activation method according to any one of claims 1 to 7.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the user card activation method according to any one of claims 1 to 7 are implemented.

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