Customer portrait analysis method and system for financial service

By collecting and preprocessing multi-dimensional data of financial customers, building detailed customer portraits, and calling risk assessment models, the problems of insufficient data dimensions and inaccurate risk identification in the existing financial service system are solved, and more accurate financial service recommendations and risk control are achieved.

CN119691264APending Publication Date: 2025-03-25NATIONAL ENERGY GROUP CAPITAL HOLDINGS CO LTD
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Patent Information

Application Number
CN202411733387.1
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2024-11-29
Publication Date
2025-03-25

AI Technical Summary

Technical Problem

When building customer portraits, the existing financial service system has problems such as incomplete data collection, single analysis dimensions and inaccurate risk identification, which makes it difficult for financial product recommendations to meet customer needs and increases the risks of financial institutions.

Method used

By responding to the authorization information of the target customer, collecting business-related data and pre-processing, building a multi-dimensional customer portrait, and calling a pre-trained risk assessment model to generate risk assessment results, and recommending appropriate financial services based on this information.

Benefits of technology

It realizes accurate identification and monitoring of customer risks, improves the personalization and accuracy of financial services, and enhances the system's risk control capabilities and customer experience.

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Abstract

The embodiment of the invention provides a customer portrait analysis method and system for financial service, and belongs to the technical field of user portraits. The method comprises the following steps: in response to authorization information of a target customer, collecting business related information of the target customer; preprocessing the business related information, and constructing a customer portrait corresponding to the target customer based on the preprocessed business related information; calling a trained risk assessment model based on the customer portrait to obtain a risk assessment result of the corresponding target customer; and based on the customer portrait and the risk assessment result, obtaining a recommendation service of the target customer, and pushing the recommendation service to a target client. According to the scheme of the invention, the accuracy and response efficiency of financial services are improved, the risk control capability and customer experience of the system are enhanced, and an automatic and intelligent business recommendation process is realized.
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