Public financial online customer extension system based on customer group division

Abstract

The invention discloses a general financial online customer extension system based on customer group division, and the system comprises a customer data collection module which is used for collecting the basic information and asset information of a customer; the customer group division module is used for analyzing and verifying the review and loan users; the data analysis module is used for temporarily storing the demand information of the customer; the loan product recommendation module is used for analyzing various data of the client with the loan intention in combination with the data analysis module and then generating a loan product meeting the requirements of the client with the intention; and the risk assessment module is used for performing fusion data analysis in combination with the loan product matched by the loan product recommendation module after receiving various data analysis of the customer group with the loan intention by the data analysis module. According to the method, the intention degree of the intention customer is distinguished and recorded, and the customer manager is timely notified to visit the customer within the specified time through the time node and the more matched loan product scheme updated in real time, so that the transaction efficiency of the loan product is improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of data analysis and financial technology, and specifically is an online customer development system for inclusive finance based on customer group segmentation. Background Art

[0002] With the development of financial technology, traditional credit management systems are facing challenges of diversified customer needs and risk management. The inclusive finance online customer development platform based on customer segmentation can accurately identify customer characteristics, provide more flexible financial loan products and services, and improve loan approval efficiency and customer satisfaction.

[0003] A search of Chinese patent publication number CN 114926262 A involves a credit system based on customer segmentation. The system is a credit system based on customer segmentation, which adopts a distributed computing framework, including a customer registration module, a data collection and management module, a customer segmentation module, a product matching module and a credit approval module. The credit system based on customer segmentation connects the complex business processing systems within the bank through the design of a customer segmentation model, and cooperates with the fast loan platform to accurately divide customers and divert approval, which not only improves the accuracy of customer service, but also reduces the construction cost of financial institutions and improves the ease of use of the credit system.

[0004] However, there are still the following problems in specific credit promotion:

[0005] We found that the current credit system does not distinguish between potential customer groups, for example, potential customers, customers with short-term intentions, and customers who may have intentions in the future.

[0006] There is no systematic record of the time nodes and degree of intention of account managers during telephone communications with potential customers. This leads to the inability to distinguish the specific degree of intention and communication time of the customers when maintaining customers later. This is an important situation that is easily overlooked in the promotion of loan products. Summary of the invention

[0007] In view of the above problems, the present invention is proposed to provide an online customer development system for inclusive finance based on customer group segmentation that overcomes the above problems or at least partially solves the above problems.

[0008] To achieve the above object, the present invention adopts the following technical solutions:

[0009] An inclusive finance online customer development system based on customer group segmentation, the system comprising:

[0010] Customer data collection module, used to collect basic information and asset information of customers;

[0011] The customer group segmentation module is used to analyze and verify loan review users and divide the verified loan review users into different customer groups;

[0012] The data analysis module is used to temporarily store customer demand information and analyze the customer's emotions and personality during telephone communication;

[0013] The loan product recommendation module is used to analyze various data of customers with loan intentions in combination with the data analysis module, generate loan products that meet the requirements of the customers, and promote them;

[0014] The risk assessment module is used to accept the data analysis module's analysis of various data on the customer group with loan intentions, and then conduct integrated data analysis in combination with the loan products matched by the loan product recommendation module.

[0015] Optionally, the customer data collection module includes:

[0016] Store data of potential customers;

[0017] Push intention information to business specialists regularly and remind them to perform maintenance in a timely manner.

[0018] Optionally, the customer segmentation module includes:

[0019] Differentiate and record the intention levels of potential customers;

[0020] Based on the time nodes and real-time updated loan product plans, the account manager is notified to return the customer within the specified time to improve the transaction efficiency of the product.

[0021] Optionally, the customer base includes customers who proactively consult, those who have intention after answering the phone, those who have intention in the short term, and those who may have intention in the future.

[0022] Optional data analysis modules include:

[0023] The tone and personality of the customer's communication are transmitted to the database for comparison, used to determine the customer's mood, and recorded and annotated;

[0024] Analyze the personality and tone of the potential customer during the telephone communication, determine the customer's mood during the period, record the generated time node and store it;

[0025] Sort customers according to their level of intention to remind account managers to return visits to customers in a timely manner.

[0026] Optional, loan product recommendation module includes:

[0027] Update product introductions from time to time, push them to sales specialists, and remind them to visit customers again to introduce them;

[0028] The telephone communication time and basic information of potential customers will be pinned to the top, and the demand data of potential customers will be automatically updated and pinned to the top in order.

[0029] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0030] 1. The present invention enables bank account managers to distinguish and record the intention levels of potential customers in the system during daily promotion of loan products and communication with customers. Through time nodes and real-time updates of more matching loan product plans, account managers are promptly notified to return visits to customers within the specified time, thereby improving the transaction efficiency of loan products.

[0031] 2. The present invention analyzes the personality and tone of potential customers in telephone communication according to the data analysis module, determines the mood of the customers during the time period, records the time period as a time node and stores it in the system, and places it at the top according to the degree of intention, so as to remind the account manager to return the customer in time. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] Figure 1 A flow chart of an online customer acquisition system for inclusive finance based on customer segmentation provided in an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments in the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0034] See also Figure 1 This embodiment provides an inclusive finance online customer development system based on customer group segmentation, the system comprising:

[0035] The customer data collection module is used to collect basic customer information and asset information.

[0036] The customer data collection module includes:

[0037] Store data of potential customers.

[0038] Push intention information to business specialists regularly and remind them to perform maintenance in a timely manner.

[0039] The customer segmentation module is used to analyze and verify loan review users, and divide the verified loan review users into different customer groups, including customers who actively consult, have intention after answering the phone, have intention in the short term, and may have intention in the future.

[0040] The customer segmentation module includes:

[0041] Differentiate and record the intention levels of potential customers.

[0042] Based on the time nodes and real-time updated loan product plans, the account manager is notified to return the customer within the specified time to improve the transaction efficiency of the product.

[0043] The data analysis module is used to temporarily store customer demand information and analyze the customer's emotions and personality during telephone communications.

[0044] Data analysis modules include:

[0045] The tone and personality of the customer's communication are transmitted to the database for comparison, used to determine the customer's mood, and recorded and noted.

[0046] Analyze the personality and tone of potential customers during telephone communications, determine the customer's mood during that time period, record the generated time node and store it.

[0047] Sort customers according to their level of intention to remind account managers to return visits to customers in a timely manner and to remind account managers to return visits to customers at the most appropriate time.

[0048] The loan product recommendation module is used to analyze various data of customers with loan intentions in combination with the data analysis module, generate loan products that meet the requirements of the potential customers, and promote them.

[0049] The loan product recommendation module includes:

[0050] Update product introductions from time to time, push them to sales specialists, and remind them to return to customers to introduce them.

[0051] The telephone communication time and basic information of potential customers will be pinned to the top, and the demand data of potential customers will be automatically updated and pinned to the top in order.

[0052] The risk assessment module is used to accept the data analysis module's analysis of various data of the customer group with loan intentions, and then conduct integrated data analysis in combination with the loan products matched by the loan product recommendation module to ensure that there are no problems after sales.

[0053] The embodiment enables bank account managers to distinguish and record the intention levels of potential customers in the system during daily promotion of loan products and communication with customers. Through time nodes and real-time updates of more matching loan product plans, account managers are promptly notified to return visits to customers within the specified time, thereby improving the transaction efficiency of loan products.

[0054] This embodiment analyzes the personality and tone of the potential customer in the telephone communication according to the data analysis module, determines the customer's mood during the time period, records the time period as a time node and stores it in the system, and pins it to the top according to the degree of intention, so as to remind the account manager to return the customer in time.

[0055] The above contents are further detailed descriptions of the present invention in combination with specific preferred embodiments, and it cannot be determined that the specific implementation of the present invention is limited to these descriptions. For ordinary technicians in the technical field to which the present invention belongs, several simple deductions or substitutions can be made without departing from the concept of the present invention, which should be regarded as falling within the protection scope of the present invention.

Claims

1. An online customer acquisition system for inclusive finance based on customer group segmentation, characterized in that: The system comprises: Customer data collection module, used to collect basic information and asset information of customers; The customer group segmentation module is used to analyze and verify loan review users and divide the verified loan review users into different customer groups; The data analysis module is used to temporarily store customer demand information and analyze the customer's emotions and personality during telephone communication; The loan product recommendation module is used to analyze various data of customers with loan intentions in combination with the data analysis module, generate loan products that meet the requirements of the customers, and promote them; The risk assessment module is used to accept the data analysis module's analysis of various data on the customer group with loan intentions, and then conduct integrated data analysis in combination with the loan products matched by the loan product recommendation module.

2. The inclusive financial online customer development system based on customer group segmentation as claimed in claim 1, characterized in that: The customer data collection module includes: Store data of potential customers; Push intention information to business specialists regularly and remind them to perform maintenance in a timely manner.

3. The inclusive financial online customer development system based on customer group segmentation as claimed in claim 1, characterized in that: The customer segmentation module includes: Differentiate and record the intention levels of potential customers; Based on the time nodes and real-time updated loan product plans, the account manager is notified to return the customer within the specified time to improve the transaction efficiency of the product.

4. The inclusive financial online customer acquisition system based on customer group segmentation as claimed in claim 1, characterized in that: The customer base includes customers who actively consult, those who have intention after answering the phone, those who have intention in the short term, and those who may have intention in the future.

5. The inclusive financial online customer acquisition system based on customer group segmentation as claimed in claim 1, characterized in that: Data analysis modules include: The tone and personality of the customer's communication are transmitted to the database for comparison, used to determine the customer's mood, and recorded and annotated; Analyze the personality and tone of the potential customer during the telephone communication, determine the customer's mood during the period, record the generated time node and store it; Sort customers according to their level of intention to remind account managers to return visits to customers in a timely manner.

6. The inclusive financial online customer acquisition system based on customer group segmentation according to claim 1, characterized in that: The loan product recommendation module includes: Update product introductions from time to time, push them to sales specialists, and remind them to visit customers again to introduce them; The telephone communication time and basic information of potential customers will be pinned to the top, and the demand data of potential customers will be automatically updated and pinned to the top in order.

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