Method and system for mining merchants around bank outlets
By analyzing the data of the big data platform of commercial banks and the bank management accounting system, combined with the outlets and merchants' latitude and longitude, to screen out the marketing value contribution of merchants, solve the problem of human intensity and efficiency of commercial banks in marketing expansion. More efficient and accurate marketing strategies.
Patent Information
- Application Number
- CN202411153561.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-08-21
- Publication Date
- 2025-01-28
AI Technical Summary
Commercial banks rely on man-intensive manual operations in marketing expansion, resulting in poor marketing effects, low efficiency, and difficulty in obtaining accurate marketing indicator information, which in turn is difficult to conduct targeted marketing.
By obtaining the full -scale merchant data stored by commercial banks, analyzed and screen potential merchant data with high marketing correlation, combined with bank management accounting system to calculate the marketing value contribution of merchants, and finally use outlets and merchants' latitude and longitude calculation outlets to calculate outlets. Value merchants around.
The more accurate data mining and marketing value evaluation of merchants has been achieved, the human consumption is reduced, the marketing efficiency and success rate have been improved, the specific positions of the merchants are clarified, and the work burden on the staff of the grass -roots outlets is reduced.
Smart Images
Figure CN119379348A_ABST
Abstract
Description
Technical Field
[0001] The disclosed embodiments relate to the field of financial information technology, and more particularly to a method and system for mining merchants around bank outlets. Background Art
[0002] For commercial banks, merchants are the key link between the B-end (Business-to-Business) and the C-end (Business-to-Consumer) in the consumer market. They are an important source of funds for commercial banks and the core support for the construction of ecological scenarios. They play an important fundamental role in the operation of financial business.
[0003] At present, in the marketing and expansion of existing merchants, commercial banks mainly rely on secondary banks and outlets to open positions, enter menus, select regions, screen conditions, and manually split data according to the merchant data of the head office to obtain a list of valuable merchants, and then carry out marketing work based on the merchant addresses and contact numbers in the list. This marketing method has at least the following problems: casting a wide net, consuming a lot of manpower and material resources, poor marketing results, heavy workload for branch staff, and low overall marketing efficiency; in addition, before a merchant becomes a merchant of a commercial bank, secondary banks and outlets usually cannot know the merchant's detailed deposit and loan information, and it is difficult to obtain accurate and effective marketing indicator information, and thus it is difficult to establish targeted marketing for valuable merchants, and the marketing success rate is low. Summary of the invention
[0004] In order to solve the above technical problems or at least partially solve the above technical problems, the embodiments of the present disclosure provide a method and system for mining merchants around bank branches.
[0005] In a first aspect, an embodiment of the present disclosure provides a method for mining merchants around bank outlets, including:
[0006] Acquire the full amount of merchant data stored in the big data platform of the target commercial bank, and acquire the merchant data of the target commercial bank; determine the target merchant data based on the full amount of merchant data and the merchant data of the target commercial bank, wherein the target merchant data includes merchant data of non-target commercial banks;
[0007] Preprocessing the target merchant data, analyzing and extracting part of the merchant data in the preprocessed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data having a relevance to marketing greater than a preset value;
[0008] Based on the potential merchant data associated with the bank management accounting system, the marketing value contribution of each merchant in the potential merchant data is calculated, and merchant data that meets the preset marketing value contribution conditions are selected as the first potential value merchant data;
[0009] Determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the first potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and determine the merchant data whose calculated distance is less than a preset distance threshold as the merchant data of outlet surrounding value.
[0010] In one embodiment, the calculating the marketing value contribution of each merchant in the potential merchant data includes:
[0011] For each merchant in the potential merchant data, the net interest income of the deposit account is calculated by the amount of general deposit internal transfer income and the amount of interest expenditure on current deposits, and the net interest income of exclusive credit is calculated by the amount of loan interest income and the amount of loan internal transfer expenditure; the marketing value contribution of the merchant is calculated based on the net interest income of the deposit account and the exclusive net interest income.
[0012] In one embodiment, the method further comprises:
[0013] Before determining the latitude and longitude of all outlets of the target commercial bank in the target city, determining whether each merchant in the first potential value merchant data has a peace right label;
[0014] If yes, the merchant data with the peace right label is used as the second potentially valuable merchant data;
[0015] Determine the longitude and latitude of each merchant in the second potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the second potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the second potential value merchant data, and determine the merchant data whose calculated distance is less than the preset distance threshold as the merchant data of outlet surrounding value.
[0016] In one embodiment, the method further comprises:
[0017] For each of the outlets, a corresponding marketing report of valuable merchants surrounding the outlets is generated based on the valuable merchants data surrounding the outlets for downloading and acquisition by outlet personnel.
[0018] In one embodiment, the preprocessing of the target merchant data includes:
[0019] Noise, irrelevant data and null values are removed from the target merchant data, missing and erroneous data are modified, and data with different names and different representations of the same value are integrated and unified.
[0020] In one embodiment, the linking of the bank management accounting system based on the potential merchant data includes:
[0021] The management accounting customer data of each merchant in the potential merchant data is obtained, and the bank management accounting system is associated with the management accounting customer data; wherein the management accounting customer data at least includes the corporate and personal merchant customer numbers and / or merchant identification numbers.
[0022] In one embodiment, the partial merchant data includes at least one or more merchant data in the categories of catering, medical, tobacco and alcohol, and daily necessities.
[0023] In a second aspect, the present disclosure provides a system for mining merchants around bank outlets, including:
[0024] A data acquisition module, used to acquire the full amount of merchant data stored in the big data platform of the target commercial bank, and acquire the merchant data of the target commercial bank; determine the target merchant data based on the full amount of merchant data and the merchant data of the target commercial bank, wherein the target merchant data includes merchant data of non-target commercial banks;
[0025] A data extraction module, used to pre-process the target merchant data, analyze and extract part of the merchant data in the pre-processed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data having a relevance to marketing greater than a preset value;
[0026] A data processing module, used to associate the bank management accounting system with the potential merchant data, calculate the marketing value contribution of each merchant in the potential merchant data, and select merchant data that meets the preset marketing value contribution conditions as the first potential value merchant data;
[0027] The merchant determination module is used to determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the first potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and determine the merchant data whose calculated distance is less than a preset distance threshold as the merchant data of the surrounding value of the outlet.
[0028] In a third aspect, an embodiment of the present disclosure provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method for mining merchants around bank branches described in any of the above embodiments.
[0029] In a fourth aspect, an embodiment of the present disclosure provides an electronic device, including:
[0030] Processor; and
[0031] Memory for storing computer programs;
[0032] Wherein, the processor is configured to execute the method for mining merchants around bank branches described in any of the above embodiments by executing the computer program.
[0033] Compared with the prior art, the technical solution provided by the embodiments of the present disclosure has the following advantages:
[0034] The merchant mining method and system provided in the embodiment of the present disclosure utilizes the merchant data of the big data platform of the commercial bank and the merchant data of the bank itself to automatically obtain, analyze and calculate more accurate data information of non-commercial bank marketable merchants, and links the bank's management accounting system to calculate the marketing value contribution to screen potential valuable merchants, and finally calculates the potential valuable merchants closest to the branch through the longitude and latitude of each branch of the commercial bank and the longitude and latitude of the potential valuable merchants. In this way, by automatically integrating and mining merchant data and calculating the merchant marketing value, on the basis of the big data public products of the commercial bank, the management accounting system is innovatively linked to calculate the merchant's marketing value contribution in advance, which can strengthen the in-depth portrayal of the merchant portrait, and around the core indicator of valuable merchants, provide a more targeted merchant marketing list for the front-line marketing personnel of the branch, that is, establish targeted marketing for valuable merchants, avoid casting a wide net, improve marketing efficiency, ensure marketing quality, and gain an advantage for branch personnel in merchant expansion, solving the problem of grassroots branch personnel in The pain points and difficulties in merchant customer acquisition and activation; in addition, the nearest potential valuable merchants to the outlets are calculated through the longitude and latitude of the outlets and the longitude and latitude of the potential valuable merchants. This can provide the latest dynamic information of potential valuable merchants to each grassroots outlet, and while establishing targeted marketing for valuable merchants to improve marketing efficiency, it also improves the marketing success rate, and is refined to the outlet level, narrowing the scope of marketing merchants and clarifying the specific locations of merchants, thereby reducing the pressure on grassroots outlet personnel in the merchant marketing process, reducing the workload, and making the overall marketing efficiency and success rate higher. BRIEF DESCRIPTION OF THE DRAWINGS
[0035] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and, together with the description, serve to explain the principles of the present disclosure.
[0036] In order to more clearly illustrate the embodiments of the present invention 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.
[0037] Figure 1This is a flow chart of a method for mining merchants around bank outlets according to an embodiment of the present disclosure;
[0038] Figure 2 A flowchart of merchant data screening according to an embodiment of the present disclosure;
[0039] Figure 3 A schematic diagram of a merchant marketing process according to an embodiment of the present disclosure;
[0040] Figure 4 This is a schematic diagram of a system for mining merchants around bank outlets according to an embodiment of the present disclosure;
[0041] Figure 5 Schematic diagram of an electronic device according to an embodiment of the present disclosure. DETAILED DESCRIPTION
[0042] In order to more clearly understand the above-mentioned objectives, features and advantages of the present disclosure, the scheme of the present disclosure will be further described below. It should be noted that the embodiments of the present disclosure and the features in the embodiments can be combined with each other without conflict.
[0043] In the following description, many specific details are set forth to facilitate a full understanding of the present disclosure, but the present disclosure may also be implemented in other ways different from those described herein; it is obvious that the embodiments in the specification are only part of the embodiments of the present disclosure, rather than all of the embodiments.
[0044] It should be understood that, in the following, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the associated objects before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.
[0045] Figure 1 The flowchart of a method for mining merchants around bank outlets according to an embodiment of the present disclosure is as follows. The method for mining merchants around bank outlets can be executed by a computing device such as a computer or a terminal device, and includes the following steps:
[0046] Step S101: Acquire the full merchant data stored in the big data platform of the target commercial bank, and acquire the merchant data of the target commercial bank; determine the target merchant data based on the full merchant data and the merchant data of the target commercial bank, wherein the target merchant data includes merchant data of non-target commercial banks.
[0047] Exemplarily, the target commercial bank can be any commercial bank, and the big data platform can be a big data public product launched by the target commercial bank. It is understandable that the current development of big data has promoted the formation and prosperity of the digital economy and has been widely used in the financial field. Driven by this, many commercial banks have innovatively launched some big data public products using data mining and data analysis. These big data public products store a large amount of comprehensive merchant data, such as merchant name, merchant registration address, public customer number, legal representative name, public customer name, merchant legal representative's personal customer number in a commercial bank, merchant category description, business district name, etc. Therefore, the full merchant data in the big data platform of the target commercial bank can be obtained for use. The original full merchant data stored in the acquired big data public product and the merchant data of the target commercial bank are aggregated to determine the merchant data of the non-target commercial bank, that is, the merchant data involving the target commercial bank in the full merchant data is removed, and then data cleaning, feature analysis and extraction and other pre-processing are performed to prepare for subsequent data analysis.
[0048] Step S102: pre-processing the target merchant data, analyzing and extracting part of the merchant data in the pre-processed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data having a relevance to marketing greater than a preset value.
[0049] For example, in a specific example, the business opportunity details table, management accounting private and public account details indicator intermediate table, five unified merchant statistical fact table, etc. obtained from the big data public product shown in Table 1 below are integrated to form a fine-grained multi-dimensional feature wide table. After determining the target merchant data, the target merchant data is pre-processed, such as data cleaning, which can detect missing and erroneous data and modify them, and integrate different naming habits and different representations of the same value. Its main task is to improve the availability and correctness of data, that is, to remove noise, irrelevant data and null values, etc., and to fully consider the dynamic changes of data.
[0050] Table 1
[0051]
[0052] In one embodiment, the preset value can be set according to the degree of suitability for marketing. Some merchants are suitable for marketing, while other merchants are not so suitable for marketing. In this embodiment, merchant data suitable for marketing is selected. As an example, the partial merchant data may at least include but is not limited to one or more merchant data in the catering category, medical tobacco and alcohol category, and daily necessities category. These types of merchants are suitable for marketing.
[0053] As a specific example, the characteristics of the target merchant data are labeled based on the cleaned pre-processed data to carry out clustering tasks. For example, the merchant is judged whether it belongs to the merchant of the target commercial bank through the attribute characteristics such as the bank of account opening, and whether the merchant belongs to the marketable merchant, that is, potential merchant data, through the merchant category, etc. In this way, all merchant data in the target merchant data can be grouped and classified, and the merchant data of three categories of non-target commercial banks that can be marketed, namely "catering, medical, tobacco and alcohol, and daily necessities" can be extracted as potential merchant data.
[0054] That is to say, in this embodiment, the merchant data is analyzed and counted from the data level, and then ETL (Extract-Load-Transform) operations are carried out to strengthen the in-depth characterization of the three types of non-target commercial bank merchant portraits, and can be updated regularly. Figure 2 As shown, the data tables created by the big data cloud job, such as the data tables shown in Table 1, can be reprocessed in SAS EG software to extract the merchant data of three categories of non-target commercial banks, namely, "catering, medical, tobacco and alcohol, and daily necessities", which can be marketed, from the merchant data, that is, to extract and form a potential merchant information table that can be marketed.
[0055] Step S103: Based on the potential merchant data associated with the bank management accounting system, the marketing value contribution of each merchant in the potential merchant data is calculated, and merchant data that meets the preset marketing value contribution conditions is selected as the first potential value merchant data.
[0056] For example, the preset marketing value contribution condition can be that the deposit and / or loan marketing value contribution is greater than or equal to the preset contribution, and the preset contribution can be set as needed. Figure 3As shown, in this embodiment, through the acquired big data public product data such as potential merchant data, the associated bank management accounting system (hereinafter referred to as the management accounting system) is associated, such as through the management accounting data. Through the comprehensive analysis of the management accounting system, the marketing value contribution of the merchant can be deeply valued. For example, the merchant data whose merchant deposit and loan marketing value contribution is greater than or equal to the preset contribution is calculated in advance for each value in the merchant data and is selected as the first potential value merchant data. By combining potential merchants with marketing value contributions, the data application provides marketing goals and value references for grassroots outlets, and the merchant deposit and loan contributions are calculated in advance according to the marketing value merchant assessment standards, which can provide accurate marketing reference data for front-line marketing personnel, promote the merchants they market to be "valuable", "able to contribute", and "will pay", so as to use comprehensive data analysis results to help carry out targeted marketing plans for merchants in all aspects, effectively improve the quality of merchant marketing, and better improve the success rate of merchant marketing.
[0057] Step S104: Determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the first potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and determine the merchant data whose calculated distance is less than a preset distance threshold as the outlet surrounding value merchant data.
[0058] Exemplarily, the preset distance threshold can be set as needed. The latest longitude and latitude data of each branch of the target commercial bank in the target city, such as Chongqing, is obtained, and the longitude and latitude data of each merchant is determined according to the merchant registration address of each merchant data in the first potential value merchant data. The distance between the branch and each merchant is calculated by associating the longitude and latitude of each branch and the longitude and latitude of the merchant. The calculated distance between the branch and the merchant is labeled by the length of the distance, and the merchant closest to the branch is obtained by sorting the labels as the valuable merchants around the branch to be mined.
[0059] In this embodiment, the distance between the merchant and the outlet is calculated to accurately obtain the merchant location, provide the outlet with more specific and clear merchant information and marketing value, and realize the marketing target list. The outlet can dig out the marketing value of merchants in all aspects through the valuable merchant assessment standards, formulate targeted marketing plans, discover new merchants, select good merchants, fully understand the merchant information, and realize the direction of clarification. Therefore, around the "core" indicator of "valuable merchants", "two-dimensional" services are provided to front-line marketing personnel, allowing each outlet to gain the upper hand in merchant expansion.
[0060] The solution of this embodiment can empower and reduce the burden on outlets. The radius and distance are calculated by the longitude and latitude of the outlet and the longitude and latitude of the merchant. The merchant is taken as the center of the circle to calculate the distance to the nearest outlet. The surrounding potential merchants are summarized in units of outlets. Then, each grassroots outlet can be authorized in the form of a report to provide the latest dynamics of valuable merchants. In this way, the merchant value can be accurately analyzed, the scope of marketing merchants can be narrowed, and the specific location of merchants can be clarified, thereby reducing the pressure on grassroots outlet personnel in the merchant marketing process. In addition, big data technology is fully utilized to provide grassroots outlets with a list of valuable merchants with clear goals and accurate objects, solve the problem of merchants expanding a wide net and low effectiveness, and truly realize the accurate mining of potential merchants around the outlets, further simplify the merchant marketing process, expand the scope of valuable merchants, and improve the success rate of marketing.
[0061] The above-mentioned scheme of the disclosed embodiment automatically integrates and mines merchant data to calculate the merchant marketing value. On the basis of the big data public products of commercial banks, it innovatively links the management accounting system to calculate the merchant's marketing value contribution in advance. This can strengthen the in-depth portrayal of merchant portraits, and provide a more targeted merchant marketing list for the front-line marketing personnel of outlets to screen around the core indicator of valuable merchants, that is, to establish targeted marketing for valuable merchants, avoid casting a wide net, improve marketing efficiency, ensure marketing quality, gain an advantage for outlet personnel in merchant expansion, and solve the grassroots network The pain points and difficulties faced by branch staff in acquiring and activating merchants are solved; in addition, the branch’s longitude and latitude are used to calculate the potential valuable merchants closest to the branch. This allows each grassroots branch to be authorized to provide the latest dynamic information on potential valuable merchants. While establishing targeted marketing for valuable merchants to improve marketing efficiency, it also improves the marketing success rate. The information is broken down to the branch level, narrowing the scope of marketing merchants and clarifying the specific locations of merchants, thereby reducing the pressure on grassroots branch staff in the merchant marketing process, reducing their workload, and making the overall marketing efficiency and success rate higher.
[0062] In one embodiment, step S103 calculates the marketing value contribution of each merchant in the potential merchant data, including: for each merchant in the potential merchant data, calculating the net interest income of the deposit account through the general deposit internal transfer income amount and the current deposit interest expenditure amount, and calculating the exclusive credit net interest income through the loan interest income amount and the loan internal transfer expenditure amount; and calculating the merchant's marketing value contribution based on the deposit account net interest income and the exclusive credit net interest income.
[0063] Exemplary, with reference to Figure 3As shown, the marketing value contribution of the merchant is mainly calculated by calculating the net interest income of the deposit account through the amount of general deposit internal transfer income and the amount of interest expenditure on current deposits, and the exclusive credit net interest income is calculated by the amount of loan interest income and the amount of loan internal transfer expenditure. Then, based on the net interest income of the deposit account and the exclusive credit net interest income, it is calculated whether the merchant meets the restrictions on the deposit and loan contributions, such as being greater than or equal to the preset contribution. In this way, a list of merchants with potential value is screened.
[0064] Among them, net interest income from deposit accounts refers to the amount after deducting interest expenses from the interest income of customer deposit accounts. Net interest income from exclusive credit refers to the difference between the interest income obtained by the bank in the process of handling loan and deposit business and the interest expenses.
[0065] In this embodiment, the association management and accounting system comprehensively analyzes and measures the marketing value contribution of merchants, which is an important part of mining valuable merchants around outlets. The merchant data list obtained from the previous data cleaning and the management and accounting customer data, such as the data in the tables related to public and private customer accounts, can be associated with the management and accounting system. Through this solution, a list of potential valuable merchants can be screened more accurately, and then more accurate targeted marketing can be established for valuable merchants to improve marketing efficiency, while also improving the marketing success rate for the valuable merchants screened.
[0066] In some embodiments, for each merchant in the potential merchant data, widely used machine learning methods such as classification, clustering, and interest calculation can be used to calculate the financial marketing value of each merchant to obtain a list of valuable merchants that can be marketed, so that branch marketing personnel can better adjust marketing plans, benchmark assessment standards, and improve indicators to increase marketing success rates.
[0067] In one embodiment, the method may also include: before determining the longitude and latitude of all outlets of the target commercial bank in the target city, judging whether each merchant in the first potential value merchant data has a peace right label; if so, using the merchant data with the peace right label as the second potential value merchant data; determining the longitude and latitude of each merchant in the second potential value merchant data; for each of the outlets, calculating the distance between the outlet and each merchant in the second potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the second potential value merchant data, and determining the merchant data whose calculated distance is less than the preset distance threshold as the outlet surrounding value merchant data.
[0068] Exemplarily, the right of peace is a certificate signed by a consumer and a financial institution, which represents that the consumer agrees to receive marketing information and marketing calls from the financial institution. The right of peace tag indicates that the merchant has signed the certificate to accept marketing information. The merchant's right of peace is to associate the first potential value merchant data obtained by screening with the merchant data table created by the big data cloud operation, such as Table 1, to obtain the detailed information of all merchants in the first potential value merchant data (at least including the right of peace tag), and through the merchant's right of peace tag, to determine the merchants that meet the merchant's right of peace tag, thereby screening the second potential value merchant data that can be marketed, that is, the value merchant list. Afterwards, as in step S104, the distance between the outlet and the merchant can be calculated based on the longitude and latitude of the outlet and the merchant, and the final value merchant around the outlet can be determined. The solution of this embodiment can further accurately determine the potential value merchant that can be marketed and then determine the final value merchant around the outlet, establish more accurate targeted marketing for the value merchant to improve marketing efficiency, and at the same time, improve the marketing success rate for the value merchant screened.
[0069] In one embodiment, the method further includes: for each of the outlets, generating a corresponding outlet surrounding valuable merchant marketing report based on the outlet surrounding valuable merchant data for downloading and acquisition by outlet personnel.
[0070] In this embodiment, the configured data template can be used with materialized views to achieve regular data updates based on outlets, and marketing reports for valuable merchants around the outlets can be produced. Institutions at all levels can query marketing opportunity information in a timely manner according to their job permissions, and outlets can download with one click, avoiding duplication of work in the marketing process, providing more timely merchant data, facilitating outlets to reach users through multiple channels, and helping grassroots outlet employees to better screen customers. That is, the purpose of one-click download of valuable merchants and multi-channel user reach is achieved. In addition, according to the subdivision of the target by the outlet level, the detailed data of all valuable merchants can be downloaded with one click, reducing the workload of opening positions, screening conditions, and reporting at the secondary bank and outlet level, penetrating and refining to the outlet level, enabling burden reduction throughout the entire marketing process, better combining merchant data, streamlining the marketing process, and thus establishing more accurate targeted marketing to improve marketing efficiency and marketing success rate.
[0071] In one embodiment, the preprocessing of the target merchant data includes: removing noise, irrelevant data and null values from the target merchant data, modifying missing and erroneous data, and integrating and unifying data with different names and different representations of the same value. This improves data availability and accuracy, thereby making the final determination of the valuable merchants around the outlets more accurate, so that more accurate targeted marketing can be established for the valuable merchants to improve marketing efficiency, and at the same time, the marketing success rate for the screened valuable merchants is also improved.
[0072] In one embodiment, the bank management accounting system is associated with the potential merchant data, including: obtaining the management accounting customer data of each merchant in the potential merchant data, and associating the bank management accounting system through the management accounting customer data; wherein the management accounting customer data at least includes the customer number and / or merchant ID number of the public and private merchants. In this way, the management accounting system can be accurately associated to avoid miscalculation or miscalculation of the merchant's marketing value contribution, so that the final determined valuable merchants around the outlets are more accurate, so that more accurate targeted marketing can be established for valuable merchants to improve marketing efficiency, and the marketing success rate for the screened valuable merchants is also improved.
[0073] The above-mentioned scheme of the embodiment of the present disclosure can rely on the enterprise-level data warehouse of the head office of the target commercial bank, SAS EG data analysis tools and other products to integrate the full amount of merchant data, and screen the merchant data of three types of non-target commercial banks, namely "catering, medical, tobacco and alcohol, and daily necessities" according to the original data stored in the big data products, and then determine the marketing value contribution to screen the valuable merchants by associating the deposit and loan net income of the public and private customer numbers with the accounting system data, and then calculate the merchants around the outlets according to the longitude and latitude of the valuable merchants and bank outlets and filter the peace right signs, so as to achieve in-depth mining of potential valuable merchants around the outlets and accurately portray the merchant portraits. Among them, the potential merchant list is screened and improved by measuring the deposit and loan contributions of the merchants, and finally a marketing merchant list is generated and attributed to the outlet level to carry out targeted marketing. The technical scheme of the embodiment of the present disclosure has at least the following technical advantages:
[0074] (1) One-click download, empowerment and burden reduction: The disclosed embodiment provides secondary banks and outlets with a list of potential and valuable merchants in the surrounding area for local merchant marketing, conducts targeted digital marketing, enriches consumer ecological scenarios, and extends the reach of financial services. Compared with the existing marketing mechanism, it can select a date for immediate download, penetrate and refine to the outlet level, and facilitate outlets to formulate more targeted marketing plans, thereby improving marketing efficiency and success rate.
[0075] (2) Know the customer's location: The core of the solution of the embodiment of the present disclosure is to use longitude and latitude to calculate the distance based on the business address of the merchant and the address of nearby outlets, clarify the specific location of the merchant, facilitate door-to-door marketing by grassroots outlets, provide convenience for the marketing process, reduce the consumption of manpower and material resources in the marketing process, and reduce the burden on outlet personnel to improve marketing efficiency and success rate.
[0076] (3) Customer contribution, known in advance: The solution of the disclosed embodiment deeply mines the data source of the target commercial bank, innovatively links the management and accounting system to calculate the merchant deposit and loan contributions in advance, integrates merchant detailed data, and provides accurate marketing reference data for front-line marketing personnel, eliminating the need to do "useless work", thereby improving marketing efficiency and success rate.
[0077] It should be noted that, although the steps of the method in the present disclosure are described in a specific order in the accompanying drawings, this does not require or imply that the steps must be performed in this specific order, or that all the steps shown must be performed to achieve the desired results. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step for execution, and / or one step may be decomposed into multiple steps for execution, etc. In addition, it is also easy to understand that these steps may be, for example, executed synchronously or asynchronously in multiple modules / processes / threads.
[0078] like Figure 4 As shown, the embodiment of the present disclosure provides a system for mining merchants around bank outlets, including:
[0079] The data acquisition module 401 is used to acquire the full amount of merchant data stored in the big data platform of the target commercial bank, and acquire the merchant data of the target commercial bank; determine the target merchant data based on the full amount of merchant data and the merchant data of the target commercial bank, and the target merchant data includes merchant data of non-target commercial banks;
[0080] The data extraction module 402 is used to pre-process the target merchant data, analyze and extract part of the merchant data in the pre-processed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data with a relevance to marketing greater than a preset value;
[0081] The data processing module 403 is used to calculate the marketing value contribution of each merchant in the potential merchant data based on the potential merchant data associated with the bank management accounting system, and select the merchant data that meets the preset marketing value contribution condition as the first potential value merchant data;
[0082] The merchant determination module 404 is used to determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the first potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and determine the merchant data whose calculated distance is less than a preset distance threshold as the outlet surrounding value merchant data.
[0083] In one embodiment, the data processing module 403 calculates the marketing value contribution of each merchant in the potential merchant data, including: for each merchant in the potential merchant data, calculating the net interest income of the deposit account through the general deposit internal transfer income amount and the current deposit interest expenditure amount, and calculating the exclusive credit net interest income through the loan interest income amount and the loan internal transfer expenditure amount; calculating the merchant's marketing value contribution based on the deposit account net interest income and the exclusive credit net interest income.
[0084] In one embodiment, the system may also include a judgment module, which is used to: before the merchant determination module 404 determines the longitude and latitude of all outlets of the target commercial bank in the target city, determine whether each merchant in the first potential value merchant data has a peace right label; if so, use the merchant data with the peace right label as the second potential value merchant data; the merchant determination module 404 can also be used to determine the longitude and latitude of each merchant in the second potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the second potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the second potential value merchant data, and determine the merchant data whose calculated distance is less than the preset distance threshold as the outlet surrounding value merchant data.
[0085] In one embodiment, the system may further include a report generation module, which is used to: for each of the outlets, generate a corresponding marketing report of valuable merchants around the outlets based on the valuable merchants data around the outlets for downloading and acquisition by outlet personnel.
[0086] In one embodiment, the data extraction module 402 pre-processes the target merchant data by removing noise, irrelevant data and null values from the target merchant data, modifying missing and erroneous data, and integrating and unifying data with different names and different representations of the same value.
[0087] In one embodiment, the data processing module 403 associates the bank management accounting system based on the potential merchant data, including: obtaining the management accounting customer data of each merchant in the potential merchant data, and associating the bank management accounting system through the management accounting customer data; wherein the management accounting customer data at least includes corporate and private merchant customer numbers and / or merchant identification numbers.
[0088] In one embodiment, the partial merchant data may at least include, but is not limited to, one or more merchant data in the categories of catering, medical, tobacco and alcohol, and daily necessities.
[0089] Regarding the system in the above embodiment, the specific manner in which each module performs operations and the corresponding technical effects brought about have been described in detail in the embodiment of the method, and will not be elaborated here.
[0090] It should be noted that although several modules or units of the device for action execution are mentioned in the above detailed description, this division is not mandatory. In fact, according to the embodiment of the present disclosure, the features and functions of two or more modules or units described above can be concretized in one module or unit. Conversely, the features and functions of a module or unit described above can be further divided into multiple modules or units for concretization. The components displayed as modules or units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the disclosed solution. Those of ordinary skill in the art can understand and implement it without paying creative work.
[0091] The embodiments of the present disclosure also provide a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the method for mining merchants around bank branches described in any of the above embodiments is implemented.
[0092] Exemplarily, the readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection with one or more wires, a portable 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 thereof.
[0093] The computer readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by an instruction execution system, an apparatus, or a device or used in combination with it. The program code contained on the readable storage medium may be transmitted with any appropriate medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.
[0094] The present disclosure also provides an electronic device, including a processor and a memory, wherein the memory is used to store a computer program, wherein the processor is configured to execute the bank branch peripheral merchant mining method in any of the above embodiments by executing the computer program.
[0095] Refer to the following Figure 5 The electronic device 600 according to this embodiment of the present invention is described. Figure 5 The electronic device 600 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.
[0096] like Figure 5 As shown, the electronic device 600 is in the form of a general computing device. The components of the electronic device 600 may include, but are not limited to: at least one processing unit 610, at least one storage unit 620, a bus 630 connecting different system components (including the storage unit 620 and the processing unit 610), a display unit 640, etc.
[0097] The storage unit stores program codes, which can be executed by the processing unit 610, so that the processing unit 610 performs the steps according to various exemplary embodiments of the present invention described in the above method embodiment section of this specification. For example, the processing unit 610 can perform the following steps: Figure 1 The steps of the method shown in .
[0098] The storage unit 620 may include a readable medium in the form of a volatile storage unit, such as a random access memory unit (RAM) 6201 and / or a cache memory unit 6202 , and may further include a read-only memory unit (ROM) 6203 .
[0099] The storage unit 620 may also include a program / utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including but not limited to: an operating system, one or more application programs, other program modules and program data, each of which or some combination may include the implementation of a network environment.
[0100] Bus 630 may represent one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.
[0101] The electronic device 600 may also communicate with one or more external devices 700 (e.g., keyboards, pointing devices, Bluetooth devices, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 600, and / or communicate with any device that enables the electronic device 600 to communicate with one or more other computing devices (e.g., routers, modems, etc.). Such communication may be performed via an input / output (I / O) interface 650. Furthermore, the electronic device 600 may also communicate with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) via a network adapter 660. The network adapter 660 may communicate with other modules of the electronic device 600 via a bus 630. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.
[0102] Through the description of the above implementation methods, it is easy for those skilled in the art to understand that the example implementation methods described here can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the implementation methods of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, or a network device, etc.) to execute the method steps of the above-mentioned embodiments according to the implementation methods of the present disclosure.
[0103] It should be noted that, in this article, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.
[0104] The above description is only a specific embodiment of the present disclosure, so that those skilled in the art can understand or implement the present disclosure. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present disclosure. Therefore, the present disclosure will not be limited to the embodiments described herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.
Claims
1. A method for mining merchants around bank outlets, characterized in that: include: Obtaining the full amount of merchant data stored in the big data platform of the target commercial bank, and obtaining the merchant data of the target commercial bank; Determining target merchant data based on the full amount of merchant data and the merchant data of the target commercial bank, wherein the target merchant data includes merchant data other than the target commercial bank; Preprocessing the target merchant data, analyzing and extracting part of the merchant data in the preprocessed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data having a relevance to marketing greater than a preset value; Based on the potential merchant data associated with the bank management accounting system, the marketing value contribution of each merchant in the potential merchant data is calculated, and merchant data that meets the preset marketing value contribution conditions are selected as the first potential value merchant data; Determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; For each of the outlets, the distance between the outlet and each merchant in the first potential value merchant data is calculated based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and the merchant data whose calculated distance is less than a preset distance threshold is determined as the outlet surrounding value merchant data.
2. The method according to claim 1, characterized in that The calculating the marketing value contribution of each merchant in the potential merchant data includes: For each merchant in the potential merchant data, the net interest income of the deposit account is calculated by the amount of general deposit internal transfer income and the amount of interest expenditure on current deposits, and the net interest income of exclusive credit is calculated by the amount of loan interest income and the amount of loan internal transfer expenditure; the marketing value contribution of the merchant is calculated based on the net interest income of the deposit account and the exclusive net interest income.
3. The method according to claim 2, characterized in that The method further includes: Before determining the latitude and longitude of all outlets of the target commercial bank in the target city, determining whether each merchant in the first potential value merchant data has a peace right label; If yes, the merchant data with the peace right label is used as the second potentially valuable merchant data; Determine the longitude and latitude of each merchant in the second potential value merchant data; for each of the outlets, calculate the distance between the outlet and each merchant in the second potential value merchant data based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the second potential value merchant data, and determine the merchant data whose calculated distance is less than the preset distance threshold as the merchant data of outlet surrounding value.
4. The method according to claim 3, characterized in that The method further includes: For each of the outlets, a corresponding marketing report of valuable merchants surrounding the outlets is generated based on the valuable merchants data surrounding the outlets for downloading and acquisition by outlet personnel.
5. The method according to any one of claims 1 to 4, characterized in that: The preprocessing of the target merchant data includes: Noise, irrelevant data and null values are removed from the target merchant data, missing and erroneous data are modified, and data with different names and different representations of the same value are integrated and unified.
6. The method according to claim 5, characterized in that The bank management accounting system based on the potential merchant data association includes: The management accounting customer data of each merchant in the potential merchant data is obtained, and the bank management accounting system is associated with the management accounting customer data; wherein the management accounting customer data at least includes the corporate and personal merchant customer numbers and / or merchant identification numbers.
7. The method according to claim 5, characterized in that The partial merchant data at least includes one or more merchant data in the categories of catering, medical, tobacco and alcohol, and daily necessities.
8. A system for mining merchants around bank outlets, characterized in that: include: A data acquisition module, used to acquire the full amount of merchant data stored in the big data platform of the target commercial bank, and to acquire the merchant data of the target commercial bank; Determining target merchant data based on the full amount of merchant data and the merchant data of the target commercial bank, wherein the target merchant data includes merchant data other than the target commercial bank; A data extraction module, used to pre-process the target merchant data, analyze and extract part of the merchant data in the pre-processed target merchant data as potential merchant data, wherein the part of the merchant data is merchant data having a relevance to marketing greater than a preset value; A data processing module, used to associate the bank management accounting system with the potential merchant data, calculate the marketing value contribution of each merchant in the potential merchant data, and select merchant data that meets the preset marketing value contribution conditions as the first potential value merchant data; A merchant determination module, used to determine the longitude and latitude of all outlets of the target commercial bank in the target city; determine the longitude and latitude of each merchant in the first potential value merchant data; For each of the outlets, the distance between the outlet and each merchant in the first potential value merchant data is calculated based on the longitude and latitude of the outlet and the longitude and latitude of each merchant in the first potential value merchant data, and the merchant data whose calculated distance is less than a preset distance threshold is determined as the outlet surrounding value merchant data.
9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method for mining merchants around bank branches as claimed in any one of claims 1 to 7 is implemented.
10. An electronic device, characterized in that: include: processor; as well as Memory for storing computer programs; Wherein, the processor is configured to execute the bank branch periphery merchant mining method according to any one of claims 1 to 7 by executing the computer program.