Bank product aided design device based on multi-dimensional analysis and use method

Abstract

The invention provides a bank product aided design device and method based on multi-dimensional analysis, and relates to the technical field of bank product design, and the device comprises a product matching assembly, a product operation analysis assembly and a product association feature analysis assembly. And the product matching component can retrieve and display similar product information and change influence thereof. And the product operation analysis component is used for collecting the product use condition, providing a resource operation view and analyzing the sufficiency and cohesiveness of resource utilization and the integrity and influence of configuration. The product association feature analysis component acquires product association information regularly and provides approval views including approval items, dependency relationships and the like for users. The device is helpful for a bank to comprehensively evaluate product resources, optimize resource allocation, improve product design efficiency and quality and reduce resource waste in a product design stage, and meanwhile, ensures that products meet compliance requirements, optimizes an approval process, shortens product marketing time and improves market competitiveness.

Description

Technical Field

[0001] The present application relates to the technical field of bank product design, and in particular to a bank product auxiliary design device and method based on multi-dimensional analysis. Background Art

[0002] At present, in order to facilitate the management of bank-wide products and services, commercial banks usually classify and stratify the bank's products and services, and assign corresponding management departments and product managers to achieve refined management of products and services.

[0003] According to the existing product system, when designing a product, product managers usually need to consider whether they can create it directly based on the existing template. If not, they also need to consider whether new product resources are needed to support the creation of new products. If only part of the existing product resources can be reused, it is necessary to sort out the scope of reused product resources, create new product resources, and change the scope of product resources one by one, and then initiate the corresponding approval process according to the rules and regulations of various product resource management, and put forward business needs to the corresponding R&D department. With the increase in the number of products, product managers are also faced with the reorganization and delisting of existing product resources. The whole process is cumbersome and may require the collaboration of multiple departments to participate in research and design. In the process, product managers are usually required to manually integrate and analyze a large amount of original materials, which is inefficient, and the workload is difficult to quantify, making it difficult to control the overall progress of implementation.

[0004] Therefore, there is an urgent need for an auxiliary design device to reduce the design complexity of product managers and control the progress of product customer presentation. Summary of the invention

[0005] In view of the above problems, the present application provides a bank product auxiliary design device and method based on multi-dimensional analysis, including the following contents:

[0006] In a first aspect, the present application provides a bank product auxiliary design device based on multi-dimensional analysis, the device comprising:

[0007] The product matching component is used to retrieve information about similar products in the database based on the product element information entered by the user, and to display the static configuration view of similar products and the product static resource change impact view in a structured manner;

[0008] The product operation analysis component is used to collect the usage of product resources during operation, count and process the usage records, correlation coefficients, and change impacts of product resources, provide a structured product resource operation view, and assist users in analyzing the adequacy, cohesion, configuration integrity, and impact of product resource utilization;

[0009] The product-related feature analysis component is used to regularly obtain trademarks, compliance requirements, process flows, and process dependency information associated with product resources from relevant system management systems and process center systems; it provides users with a product approval view, including approval matters, dependencies, related departments, estimated time, and critical path time in the process.

[0010] Optionally, the product matching component further includes:

[0011] Precise search module, used to perform precise search based on product resource number;

[0012] The approximate search module is used to perform similar searches based on the description information of the found content after the precise search.

[0013] Optionally, the product operation analysis component further includes:

[0014] The product resource usage analysis module is used to obtain the approval status of product resources from the database every day, obtain the application status of product resources from the log center, and update the product resource usage record table;

[0015] Product resource correlation analysis module, which is used to periodically calculate the correlation coefficient of product resources and prompt the user whether there is any missing configuration based on the correlation coefficient;

[0016] The product resource change impact analysis module is used to display the product basic component methods and product application systems affected by the product configuration plan change or the newly created product resources after the user generates a product configuration preview.

[0017] Optionally, the product association feature analysis component is further used to:

[0018] Obtain information related to product resources from relevant system management systems and process center systems;

[0019] Display the approval process, estimated time, critical path time and historical average involved in the product configuration plan.

[0020] Optionally, when the bank has achieved standardization of key product data, the product matching component, product operation analysis component and product association feature analysis component use standardized product resource numbers and description information for retrieval and analysis; when the bank has not achieved data standardization, a machine learning model is used to perform retrieval and analysis through description text matching.

[0021] In a second aspect, the present application provides a bank product auxiliary design device method based on multi-dimensional analysis, the method comprising:

[0022] In the product design phase, product matching components are used to determine the resource plan for new, reused, and changed products;

[0023] Use product operation analysis components to analyze product resource usage, relevance, and change impact;

[0024] Use product-related feature analysis components to confirm the approval process, estimated time and critical path time of the product configuration plan;

[0025] During the product operation and maintenance phase, the product operation analysis component is used to monitor, analyze, reorganize and offline product resources.

[0026] Optionally, the method further includes:

[0027] Perform precise searches based on product resource numbers;

[0028] After an accurate search, a similar search is performed based on the description information of the found content.

[0029] Optionally, the method further includes:

[0030] Obtain the approval status of product resources from the database every day, obtain the application status of product resources from the log center, and update the product resource usage record table;

[0031] Regularly calculate the correlation coefficient of product resources and prompt users whether there are any missing configurations based on the correlation coefficient;

[0032] After the user generates a product configuration preview, the product basic component methods and product application systems affected by the product configuration plan change or newly created product resources are displayed.

[0033] Optionally, the method further includes:

[0034] Obtain information related to product resources from relevant system management systems and process center systems;

[0035] Display the approval process, estimated time, critical path time and historical average involved in the product configuration plan.

[0036] Optionally, when the bank has achieved standardization of key product data, the product matching component, product operation analysis component and product association feature analysis component use standardized product resource numbers and description information for retrieval and analysis; when the bank has not achieved data standardization, a machine learning model is used to perform retrieval and analysis through description text matching.

[0037] In a third aspect, the present application provides a device comprising a memory and a processor, wherein the memory is used to store instructions or codes, and the processor is used to execute the instructions or codes, so that the device executes the method for using the bank product auxiliary design device based on multidimensional analysis introduced in any implementation method of the first aspect mentioned above.

[0038] In a fourth aspect, the present application provides a computer-readable storage medium storing a code. When the code is executed, the device executing the code implements the method for using the bank product auxiliary design device based on multidimensional analysis introduced in any implementation method of the first aspect.

[0039] The present application provides a bank product auxiliary design device based on multidimensional analysis. The device includes: a product matching component, which is used to retrieve information about similar products in the database according to product element information input by the user, and to display the static configuration view of similar products and the static resource change impact view of the product in a structured manner; a product operation analysis component, which is used to collect the use of product resources in operation, count and process the use records, correlation coefficients, and change impacts of product resources, provide a structured product resource operation view, and assist users in analyzing the adequacy, cohesion, configuration integrity and impact of product resource utilization; a product association feature analysis component, which is used to regularly obtain trademarks, compliance requirements, process flows, and process dependency information associated with product resources from relevant system management systems and process center systems; and provide users with a product approval view, including approval matters, dependencies, associated departments, estimated time consumption, and critical path time consumption in the process. Through the product matching component, it is possible to quickly retrieve and display product information similar to new products and the impact of their changes, providing product managers with a wealth of references, reducing repeated designs, and improving design efficiency. The product operation analysis component can track the use of product resources in real time, provide a comprehensive operation view, help users deeply analyze the utilization efficiency and configuration integrity of product resources, and provide data support for product optimization. In addition, the product association feature analysis component can integrate product association information from multiple systems, provide users with a clear product approval view, effectively shorten the approval cycle, and improve decision-making efficiency. In summary, the device helps banks improve the accuracy and market competitiveness of product design, optimize resource allocation, and reduce operating costs. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the technical solutions in this embodiment or the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0041] Figure 1 A schematic diagram of the structure of a bank product auxiliary design device based on multi-dimensional analysis provided in an embodiment of the present application;

[0042] Figure 2A schematic diagram of a product resource usage analysis performed by a product operation component provided in an embodiment of the present application;

[0043] Figure 3 A flowchart of a method for using a bank product auxiliary design device based on multi-dimensional analysis provided in an embodiment of the present application. DETAILED DESCRIPTION

[0044] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0045] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0046] Explanation of relevant terms

[0047] First-level categories: The first-level categories are the highest level in the product system hierarchy and are product categories divided according to business lines. Products at this level include first-level categories such as deposits, credit assets, and credit cards.

[0048] Second-level categories: Second-level categories are the second-level classification of products, which are under the first-level categories. For example, the first-level category of deposits includes second-level categories such as personal demand, personal fixed deposit, and corporate demand.

[0049] Product template: Product template connects the two logical layers of product system and product customization. Specifically, on the one hand, product template inherits the characteristics and associations of the first-level category and the second-level category of the product system and is constrained by them; on the other hand, product template can be instantiated as a saleable product, passing the constraints and product characteristics in the product system to specific products, providing a basis for the construction of customer-oriented banking products. For example, the first-level category of deposits and the second-level category of corporate demand deposits contain product templates such as general corporate demand deposits, fiscal accounts, and other corporate demand deposit products.

[0050] Simple product: A simple product is used to identify the functions of a group of products, which are defined by a set of conditional parameters. Simple products can be mounted at the second-level category or product template level, inherited by lower-level products, and configured with common functions for lower-level products. For example, the first-level category of deposits, the second-level category of corporate demand deposits, and the corporate general demand deposit product template contain simple products such as ordinary demand credit settlement, overdraft control, and overdraft settlement.

[0051] Conditional parameters: Conditional parameters are the smallest atomic units used to describe product functions, directly expressing a certain atomic attribute of the product. For example, a simple product for ordinary current credit settlement contains conditional parameters such as normal interest, supplementary interest, and fixed settlement date. Conditional parameters are divided into structural layer and instance layer. Instance layer conditional parameters directly store product attribute information at the execution level, while structural layer conditional parameters describe conditional parameter definitions and limit the value range of instance layer conditional parameters.

[0052] Product resources: refers to product resources such as first-level categories, second-level categories, templates, simple products, conditional parameters, etc.

[0053] Product data standards: To ensure efficient data exchange between systems within the bank, the bank has standardized key data items that need to be displayed to customers and are commonly used between systems within the bank, built a standard product data system, and established a product standard master system.

[0054] Product resource mounting: The newly added product resources need to determine the mounting location. For example, a newly added second-level category needs to determine which first-level category it is mounted under, a newly added product template needs to determine which second-level category it is mounted under, and a newly added simple product needs to determine which product template it is mounted under.

[0055] Figure 1 A schematic diagram of the structure of a bank product auxiliary design device based on multi-dimensional analysis provided in an embodiment of the present application. Figure 1 As shown, the bank product auxiliary design device 100 based on multi-dimensional analysis provided in the embodiment of the present application includes: a product matching component 110, a product operation analysis component 120 and a product association feature analysis component 130;

[0056] The product matching component 110 is used to retrieve information of similar products in the database according to product element information input by the user, and to display the static configuration view of the similar products and the product static resource change impact view in a structured manner.

[0057] In this application, the bank product auxiliary design device based on multi-dimensional analysis can provide assistance to product managers when developing products. Specifically, the product matching component is used to retrieve information about similar products from the database based on the product element information entered by the product manager, provide the product manager with a structured display of similar products, and provide a static configuration view of product resources, so that the product manager can design new products with reference to existing product information. The specific operation process is as follows:

[0058] The product manager enters product resource information, searches for product resources based on the entered product resource information, and notifies the product manager that the analysis is complete after the search is complete. The product manager determines whether it is necessary to view the impact of resource changes. If so, the product manager searches for the impact of product resource changes, and then determines again whether it is necessary to view the impact of resource changes. If so, the product manager changes the search scope and searches again. If it is not necessary to change the resource impact, the product manager views the matching results in a structured manner on the configuration side, and determines whether to change the search scope and search again. If it is necessary to change the search scope and search again, the product resource information is re-entered and the above steps are repeated. If it is not necessary to change the search scope and search again, the product manager determines the list of reused, newly added, and changed product resources, saves the product configuration plan, and generates a preview of the product configuration plan.

[0059] When searching for product resources, two methods are combined: accurate search based on the product resource number, and accurate search based on the input product resource number first, and then searching for similar resources. Finally, the results are stored in the analysis draft and displayed in different areas of the configuration end. Therefore, the product matching component in the embodiment of the present application also includes: an accurate search module for accurate search based on the product resource number; an approximate search module for performing similar searches based on the description information of the found content after accurate search.

[0060] The precise search specifically includes, precisely searching for product resources according to the input, searching for superior resources of product resources level by level upwards and searching for subordinate resources of product resources level by level downwards, and storing the search results in the analysis draft.

[0061] When performing a similar search, an accurate search is performed based on the product resource number to locate content that directly matches the query criteria. Subsequently, in order to further improve the accuracy of the search and capture content that is similar to the query criteria but may not be accurately matched due to minor differences, a secondary search is performed using the description information of the accurately found content. In this step, text matching is specifically implemented through the TF-IDF (Term Frequency-Inverse Document Frequency) algorithm, which can evaluate the importance of each word in the description information and judge the similarity between the description information and the query criteria based on these importance weights, thereby achieving the purpose of similar search. This process ensures that the search process is both accurate and flexible, and can cover a wider range of potential matches.

[0062] For example, a product manager is new to the deposit business and wants to configure a fixed-term deposit product. After analyzing the product functions, he only identifies two product attributes: fixed-term interest rate and deposit period. He then enters the deposit first-level category code, fixed-term interest rate, and deposit period condition parameter number code on the configuration end. After receiving the request parameters, the product matching component retrieves product resources of all levels associated with the input product resources, and displays them in a structured manner in the precise matching area (e.g., grouped as deposits>corporate fixed deposits>corporate lump-sum deposits>fixed-term credit settlement, deposits>corporate fixed deposits>corporate agreement deposits>fixed-term credit settlement, deposits>corporate fixed deposits>non-standard foreign currency fixed deposits>fixed-term credit settlement, etc., where "deposits" is the first-level category, "corporate fixed deposits" is the second-level category, and "fixed-term credit settlement is" a simple product. You can click on each group to view the conditional parameters under the group, such as "fixed-term interest rate", "overdue interest rate", "deposit period", etc.), as well as product resources of all levels associated with similar product resources (e.g., deposits>corporate demand deposits>unit general demand deposits>ordinary demand credit settlement, deposits>corporate demand deposits>treasury accounts>ordinary demand credit settlement, deposits>corporate demand deposits>other corporate demand deposit products>ordinary demand credit settlement, etc.), and displayed in a structured manner in the approximate matching area. The product manager sees in the precise matching area that simple products associated with fixed interest rates also have conditional parameters such as settlement date, overdue interest rate, and minimum withdrawal amount. Simple products associated with similar demand deposits also have conditional parameters such as agreed amount, annualized days, and supplementary interest rate. At this time, you may find that you need to add such parameters. Continue to check the reuse of the simple product, and then decide whether to reuse it, create a new simple product, or change the association relationship of the related simple products before using them.

[0063] The product operation analysis component 120 is used to collect the usage of product resources during operation, count and process the usage records, correlation coefficients, and change impacts of product resources, provide a structured product resource operation view, and assist users in analyzing the adequacy, cohesion, configuration integrity, and impact of product resource utilization.

[0064] The product operation component can be used to analyze product resource usage, such as Figure 2 As shown, Figure 2 A schematic diagram of a product operation component for analyzing product resource usage provided in an embodiment of the present application, wherein the product operation analysis component obtains the approval status of product resources on the previous day from the management product database every day, obtains the query, negotiation, and maintenance status of product resources of each product application from the log center (this status is sent to the log center in a specific format through the product basic component embedded in each application), summarizes the data and recalculates the resource usage records of each product.

[0065] After obtaining the product resource usage log from the operation log, organize the product resource usage according to the calling system, calling method, and product resources involved. After the organization is completed, update the product resource usage record table. After the product manager generates a product resource preview, display the usage of the reused product resources.

[0066] The product operation component can be used for product resource correlation analysis. The product operation analysis component calculates the product resource correlation coefficient on a regular basis every year. The correlation coefficient is calculated using the following formula:

[0067]

[0068] where rel i，j represents the correlation coefficient between product resource i and product resource j, c i，j represents the number of times product resources i and product resources j appear simultaneously in each system, c i represents the number of times product resource i appears in each system, s i Indicates the number of systems where product resource i appears, s ui Represents the number of systems where product resource i appears alone compared to product resource j.

[0069] After the product manager generates a product configuration preview, the product operation analysis component will check the changed and newly added product resources. If the highly correlated resources do not appear in pairs, the product manager will be prompted to determine whether any configuration is missing.

[0070] During the product operation and maintenance stage, the product operation analysis component will regularly organize the usage and correlation lists of each product resource. After the compilation is completed, it will be sent to the product managers to whom each product resource belongs, to assist product managers at all levels to monitor, analyze, reorganize, and take offline the product resources they manage.

[0071] For example, if a product manager finds that the credit balance in a reused simple product for periodic credit settlement has never been queried, this may mean that the product manager needs to remove the condition parameter from the simple product. If the correlation coefficient between the condition parameters deposit period and periodic interest rate is high, when the product manager configures product resources, if the product operation analysis component finds that only the periodic interest rate is configured, it will remind the product manager whether the deposit period condition parameter needs to be configured.

[0072] The product-related feature analysis component 130 is used to obtain trademarks, compliance requirements, process flows, and process dependency information associated with product resources from relevant system management systems and process center systems at regular intervals; provide users with a product approval view, including approval matters, dependencies, related departments, estimated time consumption, and critical path time consumption in the process. The product-related feature analysis component is also used to: obtain information associated with product resources from relevant system management systems and process center systems; display the approval process, estimated time consumption, critical path time consumption, and historical averages involved in the product configuration plan. For example, if the product manager plans to change the resources of the mortgage e-loan product, if the product needs to be associated with a trademark, a corresponding management method link will be provided to remind the product manager to pay attention to whether the trademark change is involved. When the product manager configures the product, if the newly added product also involves the addition of a new accounting product, the product manager will be reminded to apply for the product number first, and then apply for the accounting product. And it will show the approval department and personnel that need to flow through, the historical time consumption, and the key time-consuming path and its time consumption in the process to the product manager, and give the historical average of the time consumption of each process.

[0073] When the bank has achieved standardization of key product data, the product matching component, product operation analysis component and product association feature analysis component use standardized product resource numbers and description information for retrieval and analysis; when the bank has not achieved data standardization, machine learning models are used to perform retrieval and analysis through description text matching.

[0074] Data standardization refers to the process of unifying different data formats, descriptions or coding methods into a standard format. In the banking field, the standardization of key product data (such as deposit products, loan products, etc.) means that all products have a unified resource number (such as a unique identifier) ​​and a set of standard description information. Standardization helps to simplify the data processing process, improve the consistency and comparability of data, and make data sharing and interaction between different departments or systems more efficient.

[0075] When banks have standardized key product data, product matching components, product operation analysis components, and product related feature analysis components can directly use standardized resource numbers and description information to quickly and accurately retrieve and analyze product data. This approach relies on the accuracy and consistency of data and can greatly improve the efficiency of analysis and decision-making.

[0076] When banks have not yet achieved data standardization, it may become difficult to directly use resource numbers and description information for retrieval and analysis due to inconsistencies in data formats and descriptions. In this case, banks can use machine learning models to retrieve and analyze product data through semantic matching of description texts. Machine learning models are able to learn language rules and patterns from large amounts of text data, thereby achieving accurate understanding and matching of description texts. In summary, when banks process key product data, they will choose different retrieval and analysis methods based on the degree of standardization of the data. Data standardization helps to simplify the processing flow and improve the accuracy of analysis, while machine learning models can provide effective solutions when data is not standardized.

[0077] The above embodiments of the present application have the following effects:

[0078] 1. This application uses the product matching component to enable product managers to conveniently and clearly view the storage status of the attribute information of the product to be configured in the existing product resources, as well as the design structure of the existing product resources. It can more conveniently draw on existing design ideas to determine the plan for creating, reusing, and changing product resources;

[0079] 2. This application enables product managers to conveniently and clearly view the use of existing product resources in various applications, as well as the query, maintenance, and negotiation status through the product operation analysis component. Quickly confirm the transaction scope and transaction scenarios affected by this product configuration plan, accurately confirm the related parties involved in this product configuration plan, and specifically confirm the key development, testing, and operation and maintenance issues;

[0080] 3. This application analyzes the relevance of various product resources through the product operation analysis component. On the one hand, it can assist product managers in finding resource omissions during product configuration; on the other hand, it can assist product managers in gradually designing highly cohesive product resources;

[0081] 4. This application uses the product-related feature analysis component to enable product managers to quickly confirm the application approval process and estimated time involved in the product configuration plan, so as to have a more reliable estimate of the overall product customer exposure time.

[0082] The above embodiment introduces a bank product auxiliary design device based on multi-dimensional analysis provided by the present application. The present application also provides a method for using the bank product auxiliary design device based on multi-dimensional analysis. Figure 3 A flowchart of a method for using a bank product auxiliary design device based on multi-dimensional analysis provided in an embodiment of the present application. Figure 3As shown, the method for using the bank product auxiliary design device based on multi-dimensional analysis provided in the embodiment of the present application may include:

[0083] S301. In the product design phase, use product matching components to determine the new, reused, and changed product resource plans;

[0084] S302, using the product operation analysis component to analyze the usage, relevance, and impact of changes of product resources;

[0085] S303, using the product-related feature analysis component to confirm the approval process, estimated time consumption, and critical path time consumption of the product configuration plan;

[0086] S304. During the product operation and maintenance phase, use the product operation analysis component to monitor, analyze, reorganize and offline product resources.

[0087] In an implementation method of the embodiment of the present application, the method further includes:

[0088] Perform precise searches based on product resource numbers;

[0089] After an accurate search, a similar search is performed based on the description information of the found content.

[0090] In an implementation method of the embodiment of the present application, the method further includes:

[0091] Obtain the approval status of product resources from the database every day, obtain the application status of product resources from the log center, and update the product resource usage record table;

[0092] Regularly calculate the correlation coefficient of product resources and prompt users whether there are any missing configurations based on the correlation coefficient;

[0093] After the user generates a product configuration preview, the product basic component methods and product application systems affected by the product configuration plan change or newly created product resources are displayed.

[0094] In an implementation method of the embodiment of the present application, the method further includes:

[0095] Obtain information related to product resources from relevant system management systems and process center systems;

[0096] Display the approval process, estimated time, critical path time and historical average involved in the product configuration plan.

[0097] In one implementation method of an embodiment of the present application, when a bank has achieved standardization of key product data, the product matching component, product operation analysis component and product association feature analysis component use standardized product resource numbers and description information for retrieval and analysis; when the bank has not achieved data standardization, a machine learning model is used to perform retrieval and analysis through description text matching.

[0098] The following is an overall introduction to the use of the bank product auxiliary design device based on multi-dimensional analysis:

[0099] This method is divided into the product design stage and the product operation and maintenance stage. The product design stage includes:

[0100] 1. Enter product information and preliminary matching

[0101] The product manager enters the standard attribute information of the new product on the configuration side, such as product type, target customer group, interest rate, term, etc. After receiving this information, the product matching component asynchronously initiates product retrieval and matching tasks to find existing product resources that are similar or related to the new product. After the matching task is completed, the product matching component notifies the product manager and displays the retrieved matching product resource information on the configuration side.

[0102] Determine the product resource scope and mounting location

[0103] 2. Based on the displayed information, the product manager confirms the location where the product resources are mounted (such as the level and classification in the product system). Next, the product manager determines the scope of reuse, change, and addition of product resources, that is, which existing product resources can be directly reused, which need to be changed to adapt to new products, and which are new resources.

[0104] View the scope of change

[0105] 3. If you need to view the impact of the changed product resources, the product manager can send a request to the product matching component again to obtain more detailed product resource matching information. The product matching component performs the retrieval and matching tasks again and notifies the product manager to display the results.

[0106] Generate product configuration preview

[0107] 4. After determining the scope of reuse, change, and addition of product resources and the location where the product resources are mounted, the product manager can save the product configuration plan. The configuration end generates a product configuration preview view based on the saved information for the product manager to review and evaluate.

[0108] Integrate multi-dimensional information to optimize configuration plans

[0109] 5. The configuration end integrates the information provided by multiple components into the product resource configuration plan preview, including similar product information, change resource impact information, product resource usage information, product resource correlation information, product resource integrity check status, and relevant systems provided by the product association feature analysis component.

[0110] Product managers can repeat steps 1-4 to save multiple product configuration plans and select the best plan through comparison.

[0111] Product operation and maintenance stage:

[0112] Product resource monitoring and analysis

[0113] 1. The product operation analysis component regularly sends product resource usage reports to product managers who manage related resources. The report content may include product resource usage, customer feedback, market performance, etc.

[0114] 2. Product resource reorganization and offline

[0115] Product managers monitor and analyze product resources based on product resource usage reports. Based on the analysis results, product managers can decide to reorganize product resources (such as adjusting product portfolios, optimizing product features, etc.) or take them offline (such as stopping sales, eliminating outdated products, etc.).

[0116] Through this bank product auxiliary design device based on multi-dimensional analysis, product managers can have a more comprehensive understanding of product resources and make more scientific and efficient decisions, thereby improving product competitiveness and market adaptability.

[0117] The embodiments of the present application also provide corresponding devices and computer storage media for implementing the solutions provided by the embodiments of the present application.

[0118] The device includes a memory and a processor, the memory is used to store instructions or codes, and the processor is used to execute the instructions or codes so that the device executes the method described in any embodiment of the present application.

[0119] The computer storage medium stores codes, and when the codes are executed, a device executing the codes implements the method described in any embodiment of the present application.

[0120] Through the description of the above implementation methods, it can be known that those skilled in the art can clearly understand that all or part of the steps in the above-mentioned embodiment method can be implemented by means of software plus a general hardware platform. Based on such an understanding, the technical solution of the present application can be embodied in the form of a software product, and the computer software product can be stored in a storage medium, such as a read-only memory (ROM) / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network communication device such as a router) to execute the methods described in each embodiment of the present application or some parts of the embodiments.

[0121] It should be noted that, in this article, relational terms such as first and second, etc. 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.

[0122] It should also be noted that the various embodiments in this specification are described in a progressive manner, and the same and similar parts between the various embodiments can refer to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device and apparatus embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiments. The device and apparatus embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components indicated as 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 may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative labor.

[0123] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed in the present application 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.

Claims

1. A bank product auxiliary design device based on multidimensional analysis, characterized in that: The device comprises: The product matching component is used to retrieve information about similar products in the database based on the product element information entered by the user, and to display the static configuration view of similar products and the product static resource change impact view in a structured manner; The product operation analysis component is used to collect the usage of product resources during operation, count and process the usage records, correlation coefficients, and change impacts of product resources, provide a structured product resource operation view, and assist users in analyzing the adequacy, cohesion, configuration integrity, and impact of product resource utilization; The product-related feature analysis component is used to regularly obtain trademarks, compliance requirements, process flows, and process dependency information associated with product resources from relevant system management systems and process center systems; it provides users with a product approval view, including approval matters, dependencies, related departments, estimated time, and critical path time in the process.

2. The device according to claim 1, characterized in that The product matching component also includes: Precise search module, used to perform precise search based on product resource number; The approximate search module is used to perform similar searches based on the description information of the found content after the precise search.

3. The device according to claim 1, characterized in that The product operation analysis component also includes: The product resource usage analysis module is used to obtain the approval status of product resources from the database every day, obtain the application status of product resources from the log center, and update the product resource usage record table; Product resource correlation analysis module, which is used to periodically calculate the correlation coefficient of product resources and prompt the user whether there is any missing configuration based on the correlation coefficient; The product resource change impact analysis module is used to display the product basic component methods and product application systems affected by the product configuration plan change or the newly created product resources after the user generates a product configuration preview.

4. The device according to claim 1, characterized in that The product association feature analysis component is also used for: Obtain information related to product resources from relevant system management systems and process center systems; Display the approval process, estimated time, critical path time and historical average involved in the product configuration plan.

5. The device according to any one of claims 1 to 4, characterized in that When the bank has achieved standardization of key product data, the product matching component, product operation analysis component and product association feature analysis component use standardized product resource numbers and description information for retrieval and analysis; when the bank has not achieved data standardization, machine learning models are used to perform retrieval and analysis through description text matching.

6. A method for using a bank product auxiliary design device based on multidimensional analysis, characterized in that: Using the bank product auxiliary design device based on multidimensional analysis according to any one of claims 1 to 5, the method comprises: In the product design phase, product matching components are used to determine the resource plan for new, reused, and changed products; Use product operation analysis components to analyze product resource usage, relevance, and change impact; Use product-related feature analysis components to confirm the approval process, estimated time and critical path time of the product configuration plan; During the product operation and maintenance phase, the product operation analysis component is used to monitor, analyze, reorganize and offline product resources.

7. The method according to claim 6, characterized in that The method further comprises: Perform precise searches based on product resource numbers; After an accurate search, a similar search is performed based on the description information of the found content.

8. The method according to claim 6, characterized in that The method further comprises: Obtain the approval status of product resources from the database every day, obtain the application status of product resources from the log center, and update the product resource usage record table; Regularly calculate the correlation coefficient of product resources and prompt users whether there are any missing configurations based on the correlation coefficient; After the user generates a product configuration preview, the product basic component methods and product application systems affected by the product configuration plan change or newly created product resources are displayed.

9. A computing device, characterized in that The computing device includes: a memory and a processor; The memory is used to store computer programs; The processor is configured to implement the method according to any one of claims 6 to 8 when executing the computer program.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 6 to 8 is implemented.

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