Public-private linkage marketing information processing method

Abstract

The present invention belongs to the field of data processing technology, and particularly relates to a method for processing public-private linkage marketing information. Through financial products that link corporate customers and individual customers such as salary payment services or social security payment services, the information of the two groups of customer groups is linked, breaking the barrier between corporate data and personal data, and providing timely and effective data support for marketing activities.

Description

Technical Field

[0001] The invention belongs to the technical field of data processing, and in particular relates to a method for processing public-private linkage marketing information. Background Art

[0002] At present, the marketing business of banks is usually divided into corporate business and retail business according to customer types. Corporate business is responsible for the service marketing of corporate customers, while retail business is responsible for the service marketing of individual customers. Marketing to individual customers usually requires business personnel to use door-to-door sales and telephone marketing, which lacks customer leads, low marketing efficiency and difficult management. Marketing to corporate customers lacks effective marketing lead guidance.

[0003] Chinese patent CN115796968B discloses a grid-based customer acquisition information processing method based on marketing clues, which provides an information processing method for providing customer acquisition guidance by analyzing the consumption data, work company and other information of existing credit card users. However, in actual application, due to the lag in the change of credit card users' work information and the small number of existing credit card users, the customer acquisition guidance obtained by the customer acquisition information processing method has low accuracy and poor marketing effect. Summary of the invention

[0004] The purpose of the present invention is to provide a public-private linkage marketing information processing method, which can provide timely and effective data support for marketing activities.

[0005] Get marketing leads with better real-time performance and effectiveness.

[0006] To achieve the above objectives, the technical solution adopted by the present invention is:

[0007] A method for processing public-private linkage marketing information comprises the following steps:

[0008] A. Get data;

[0009] Extracting corporate customer sets and individual customer sets from the bank database, where the corporate customer sets and individual customer sets respectively include each customer's account number, name or title, license number, residence address or business address, total assets, held financial products, and effective entrusted business information;

[0010] B. Filter data;

[0011] Extracting effective entrusted businesses including enterprise customer information of salary payment business or social security payment business from the enterprise customer set to form a linkage marketing enterprise set;

[0012] C. Linked data;

[0013] Based on the salary payment business or social security payment business information of corporate customers, the associated data information of corporate customers and individual customers is obtained;

[0014] Filtering the personal customer information included in the same wage payment service or social security payment service from the personal customer set to form the enterprise employee set of the enterprise, and the enterprise employee set is a subset of the linkage marketing enterprise set;

[0015] D. Data analysis and application;

[0016] Analyze the total assets, financial products held, and effective entrusted business information of individual customers in the corporate employee collection to generate corporate marketing leads for the corresponding companies, and send the corporate marketing leads to the branch institutions.

[0017] Compared with the prior art, the present invention has the following technical effects: through financial products that link corporate customers and individual customers such as salary payment services or social security payment services, the information of the two customer groups is linked, breaking the barrier between corporate data and personal data. By analyzing the financial data of related corporate users and individual users, it is possible to analyze and judge the financial credit and other information of the company through the financial data of the company's employees, and provide a more accurate basis for judgment of the company's financial products or financial services. After analyzing the financial data of corporate employees, it is possible to provide products or services that meet their needs more accurately for the company and its employees, thereby improving the conversion rate of marketing activities. DETAILED DESCRIPTION

[0018] The specific implementation modes of the present invention are further described in detail below through the description of embodiments.

[0019] Embodiment 1

[0020] A method for processing public-private linkage marketing information comprises the following steps:

[0021] A. Get data;

[0022] A corporate customer set 10 and a personal customer set 20 are extracted from the bank database. The corporate customer set 10 and the personal customer set 20 respectively include the account number, name or title, license number, residence address or business address, total assets, financial products held, and effective entrusted business information of each customer.

[0023] B. Filter data;

[0024] The corporate customer information of the effective entrusted business including the wage payment business or the social security payment business is extracted from the corporate customer set 10 to form the linkage marketing enterprise set 11. In addition to the wage payment business or the social security payment business, other financial products, financial services or other data information that can associate and connect corporate customers with individual customers can also be selected, in order to implement the association between corporate customers and individual customers in subsequent data processing.

[0025] C. Linked data;

[0026] Based on the salary payment business or social security payment business information of corporate customers, the associated data information of corporate customers and individual customers is obtained.

[0027] According to the associated data information, the personal customer information included in the same salary payment service or social security payment service is selected from the personal customer set 20 to form the enterprise employee set 111 of the enterprise. The enterprise employee set 111 is a subset of the linkage marketing enterprise set 11.

[0028] D. Data analysis and application;

[0029] Analyze the total assets, financial products held, and effective entrusted business information of individual customers in the corporate employee collection 111 to generate corporate marketing leads for the corresponding companies, and send the corporate marketing leads to the branch institutions.

[0030] The financial assets of all employees of a certain enterprise can be analyzed, and then relevant products can be targeted to the employees of the enterprise based on the analysis results. For example, the holding rate of various financial products among individual customers in the enterprise employee collection 111 can be analyzed, and then the relevant information can be sent to nearby outlets. The business personnel of the nearby outlets can go offline to the corresponding enterprise to promote and market financial products with low holding rates.

[0031] Embodiment 2

[0032] Since some companies have opened corporate accounts in banks, but when the companies are deregistered or in abnormal operating states such as suspension of business, the information is not synchronized to the bank. Therefore, in order to save computing power and quickly identify corporate customers that are still in existence and operating normally, the following preferred technical solutions can be adopted:

[0033] In step A, it is also necessary to extract the branch institution information set 30 from the bank database, including the branch institution name and address, and extract the enterprise industrial and commercial information set 40 from the external database, including the enterprise name, license number, and business address information.

[0034] In step B, the business information of enterprises with a registration status of "extended" or "in business" is extracted from the business information set 40 to form an operating enterprise set 41. It can be considered that the enterprises in the operating enterprise set 41 are in normal business status.

[0035] In step C, the business information of enterprises whose business addresses are within a set threshold D from the address of the outlet organization is extracted from the operating enterprise set 41 to form the outlet radiation enterprise set 31 of the outlet organization. The outlet radiation enterprise set 31 includes all the existing enterprises adjacent to the outlet organization.

[0036] The enterprise customer information of the branch radiation enterprise set 31 with the same license number as the enterprise in the enterprise customer set 10 is eliminated to form the branch potential enterprise customer set 32. The branch potential enterprise customer set 32 ​​includes the enterprises of the neighboring branch institutions that have not opened accounts in the bank, that is, they are all potential customers of the bank.

[0037] The enterprise customer information of the enterprise collection 31 with the same license number as the enterprise in the enterprise customer collection 10 is extracted to form the existing enterprise customer collection 33 of the branch. The existing enterprise customer collection 33 of the branch includes the enterprises of the neighboring branch institutions that have opened accounts in the bank, that is, they are all existing customers of the bank.

[0038] In step D, the corporate marketing leads of the enterprises included in the network point potential corporate customer set 32 ​​and the network point existing corporate customer set 33 are sent to the corresponding network point organizations.

[0039] The corporate customers with abnormal operations are eliminated from the branch's potential corporate customer set 32 ​​and the branch's existing corporate customer set 33. The branch organization can obtain information on all existing companies in the surrounding area to facilitate its marketing business.

[0040] Embodiment 3

[0041] In order to further improve the accuracy of selecting public-private linkage marketing enterprises based on the first embodiment, this embodiment further includes the following steps:

[0042] In step A, the business information set 40 of the enterprise is extracted from the external database, and the business information set 40 of the enterprise includes the enterprise name, license number, and registration status;

[0043] In step B,

[0044] B1. Extract the business information of enterprises with a registration status of "existing" or "in operation" from the business information set 40 to form an operating enterprise set 41, and extract the enterprise customer information whose license number is the same as the license number of the enterprise in the operating enterprise set 41 from the enterprise customer set 10 to form an operating corporate customer set 12. The operating corporate customer set 12 is the enterprise that has opened a corporate account in the bank and is in operation and maintains normal operation.

[0045] The enterprise customer information of the effective entrusted business including salary payment business or social security payment business is extracted from the enterprise customer set 10 to form the proposed linkage marketing enterprise set 13. The analysis system can easily obtain the associated data information of the enterprises and their employees in the proposed linkage marketing enterprise set 13.

[0046] B2. Enterprise customer information with the same license number as the enterprise in the set of corporate customers 12 is extracted from the set of corporate customers to be linked marketing 13 to form the set of corporate customers 11. The enterprises in the set of corporate customers 11 are in existence, and the associated data information of the enterprises and their employees can be obtained more conveniently.

[0047] That is, take the intersection of the set of operating enterprises and the set of enterprises that enjoy wage payment / social security payment services, so that the selection of public-private linkage customers can be more accurate.

[0048] B3. Filter the personal customer information included in the same wage payment service or social security payment service from the personal customer set 20 to form the enterprise employee set 111 of the enterprise, and the enterprise employee set 111 is a subset of the linkage marketing enterprise set 11. Based on the enterprise and employee related data information in the wage payment service or social security payment service, obtain the information set of the enterprise's employees.

[0049] Furthermore, the enterprise business information set 40 also includes the names of the enterprise's managers, that is, the names of the directors, supervisors, and senior managers registered in the business information. Managers usually have a large total asset amount, and the demand for financial products and financial services has certain characteristics. In order to provide precision marketing for enterprise managers, in step C, the names of the managers recorded in the enterprise business information set 40 are used to query the enterprise employee set 111 of the corresponding enterprise, and the accounts obtained by the query are extracted to form the enterprise manager set 112. The enterprise manager set 112 is a subset of the enterprise employee set 111.

[0050] And in step D, a marketing plan for enterprise managers is specified for the enterprise manager set 112, and the marketing plan for enterprise managers is sent to the outlets.

[0051] This embodiment further improves the accuracy of selecting marketing target companies by associating internal and external data information of the bank, and can distinguish between managers and ordinary employees, thereby improving the accuracy of obtaining marketing leads while improving the channels for obtaining marketing leads, and greatly improving marketing efficiency.

Claims

1. A method for processing public-private linkage marketing information, comprising the following steps: A. Get data; Extracting a corporate customer set (10) and a personal customer set (20) from a bank database, wherein the corporate customer set (10) and the personal customer set (20) respectively include the account number, name or title, license number, residence address or business address, total assets, financial products held, and effective entrusted business information of each customer; B. Filter data; Extracting corporate customer information of effective entrusted businesses including salary payment business or social security payment business from the corporate customer set (10) to form a linkage marketing enterprise set (11); C. Linked data; Based on the salary payment business or social security payment business information of corporate customers, the associated data information of corporate customers and individual customers is obtained; Filtering the personal customer information included in the same wage payment service or social security payment service from the personal customer set (20) to form the enterprise employee set (111) of the enterprise, and the enterprise employee set (111) is a subset of the linkage marketing enterprise set (11); D. Data analysis and application; Analyze the total assets, financial products held, and effective entrusted business information of individual customers in the enterprise employee collection (111) to generate enterprise marketing leads for the corresponding enterprise, and send the enterprise marketing leads to the branch institutions.

2. The method for processing public-private linkage marketing information according to claim 1, characterized in that: Step A also includes extracting a business information set (40) from an external database, wherein the business information set (40) includes the name of the enterprise, the license number, and the business address information; Extracting a branch institution information set (30) from a bank database, the branch institution information (30) including the name and address of the branch institution; In step B, the business information of enterprises with a registration status of "existing" or "in operation" is extracted from the business information set (40) to form a set of operating enterprises (41); In step C, the business information of enterprises whose business addresses are within a set threshold D from the address of the outlet organization is extracted from the set of operating enterprises (41) to form the outlet radiation enterprise set (31) of the outlet organization. Eliminate the enterprise customer information in the network point radiation enterprise set (31) whose license number is the same as the enterprise license number in the enterprise customer set (10) to form the network point potential enterprise customer set (32). Extracting the enterprise customer information of the enterprise collection (31) of outlet radiation whose license number is the same as the enterprise license number of the enterprise in the enterprise customer collection (10) to form the enterprise customer collection (33) of the outlet stock; In step D, the corporate marketing leads of the enterprises included in the network potential corporate customer set (32) and the network existing corporate customer set (33) are sent to the corresponding network organizations.

3. The method for processing public-private linkage marketing information according to claim 1 or 2, characterized in that: Step A also includes extracting a business information set (40) from an external database, wherein the business information set (40) includes the name of the enterprise, the license number, and the registration status; Step B is as follows, B1. Extract the business information of enterprises whose registration status is "extended" or "in operation" from the business information set (40) to form an operating enterprise set (41). Extract the enterprise customer information whose license number is the same as the license number of the enterprise in the operating enterprise set (41) from the enterprise customer set (10) to form an operating corporate customer set (12). Extracting corporate customer information of effective entrusted businesses including salary payment business or social security payment business from the corporate customer set (10) to form a proposed linkage marketing corporate set (13); B2, extracting enterprise customer information whose license numbers are the same as the license numbers of enterprises in the set of corporate customers in operation (12) from the set of enterprises to be linked marketing (13) to form the set of linked marketing enterprises (11); B3. Filter the personal customer information included in the same wage payment service or social security payment service from the personal customer set (20) to form the enterprise employee set (111) of the enterprise. The enterprise employee set (111) is a subset of the linkage marketing enterprise set (11).

4. The method for processing public-private linkage marketing information according to claim 3, characterized in that: The enterprise business information set (40) also includes the names of the enterprise's managers. In step C, the enterprise employee set (111) of the corresponding enterprise is searched by the name of the manager recorded in the enterprise business information set (40), and the account number obtained by the search is extracted to form the enterprise manager set (112), and the enterprise manager set (112) is a subset of the enterprise employee set (111); In step D, a marketing plan for enterprise managers is specified for the enterprise manager set (112), and the marketing plan for enterprise managers is sent to the outlets.