Bank quick data service release management system

Abstract

The invention discloses a bank quick data service release management system in the technical field of electronic data management, and the system comprises a presentation layer, an application layer and a service layer, the presentation layer comprises a flow module, the output end of the flow module is connected with a data quick query system platform, the flow module is used for selecting a service module, and the service module is connected with a data quick query system platform. The data quick query system platform is used for recommending financial products; and the input end of the application layer is connected with the output end of the presentation layer. Through big data analysis, marketing modeling and cross recommendation, data query service construction and customer life cycle marketing management, abundant marketing scenes can be built, customers and related transaction behaviors thereof can be fully known, precise marketing is realized, on the one hand, marketing strategies are fed back and optimized through marketing effects, and the marketing efficiency is improved. A digital marketing closed loop can be created, and the marketing level and the marketing scene richness are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic data management, and particularly to a bank fast data service release management system. Background Art

[0002] In the digital age, digital marketing has become the core ability for enterprises to gain competitive advantages. Accurate, timely, and in-depth marketing data services can not only provide scientific and rigorous business decision-making basis for decision-makers, but also enhance the market adaptability and innovation ability of enterprises.

[0003] Traditional institutions represented by commercial banks are in a critical period of digital transformation and face the following problems in precision marketing: First, due to insufficient information mining, it is difficult to fully understand customers and their related transaction behaviors, resulting in the need to improve the accuracy of marketing; second, the precision marketing scenarios are not rich enough, and there are great similarities between the ways of mining customer data and segmenting customer types, making it difficult to accurately locate marketing scenarios; third, the utilization rate of cross-marketing is low, resulting in a large number of marketing opportunities being lost; fourth, most of the implementation of marketing strategies adopts traditional experience models, and there is no real-time auxiliary marketing decision-making for corresponding marketing data service information. Summary of the Invention

[0004] The purpose of the present invention is to provide a bank fast data service release management system. Through big data analysis, marketing modeling and cross-recommendation, building data query services, and managing customer lifecycle marketing, it is beneficial to build rich marketing scenarios, fully understand customers and their related transaction behaviors, and achieve precision marketing. On the other hand, by feedback and optimization of marketing strategies based on marketing effects, a digital marketing closed-loop can be created to improve the marketing level and the richness of marketing scenarios.

[0005] To achieve the above purpose, the present invention provides the following technical solutions:

[0006] A bank fast data service release management system includes a presentation layer, an application layer, and a service layer. The presentation layer includes a process module, and the output end of the process module is connected to a data fast query system platform. The process module is used to select service modules, and the data fast query system platform is used to recommend financial products. The input end of the application layer is connected to the output end of the presentation layer, and the application layer is used to generate customer portraits based on marketing models to achieve cross-marketing. The input end of the service layer is connected to the output end of the application layer, and the output end of the service layer is connected to a data layer.

[0007] As a further solution of the present invention: The process module includes a deposit customer data service module, a cross-marketing recommendation data service module, and a scenario-based marketing data service module. The output ends of the deposit customer data service module, the cross-marketing recommendation data service module, and the scenario-based marketing data service module are respectively connected to the data quick query system platform.

[0008] As a further solution of the present invention: The application layer includes a marketing model module, a customer portrait module, a customer capture module, and a cross-marketing recommendation module. The input ends of the marketing model module, the customer portrait module, the customer capture module, and the cross-marketing recommendation module are respectively connected to the output end of the data quick query system platform.

[0009] As a further solution of the present invention: The marketing model module includes a position permission management unit, a data permission management unit, a system management unit, and an operation and maintenance monitoring unit. The output end of the system management unit is connected to the input ends of the data permission management unit and the position permission management unit. The output end of the data permission management unit is connected to the input end of the operation and maintenance monitoring unit. The output end of the operation and maintenance monitoring unit is connected to the position permission management module. The operation and maintenance monitoring unit is used to monitor the data traffic of the data permission management unit and the position permission management unit. The position permission management unit is used to manage the operation permissions of different positions in the financial system. The data permission management unit is used to manage the operation permissions of data.

[0010] As a further solution of the present invention: The input end of the customer portrait module is connected to the marketing model module. The customer portrait module is used to generate a customer portrait based on the marketing model module for screening customer groups. The customer portrait module includes a customer group screening unit. The input end of the customer capture module is connected to the output end of the customer portrait module. The customer capture module is used to capture marketing customers.

[0011] As a further solution of the present invention: The input end of the cross-marketing recommendation module is connected to the output end of the customer capture module. The cross-marketing recommendation module is used to generate cross-marketing information. The cross-marketing recommendation module includes a pre-credit file management unit and a credit file upload unit. The pre-credit file management unit is used to generate a pre-credit file. The credit file upload unit is used to generate a credit file and upload the credit file.

[0012] As a further solution of the present invention: The service layer includes a permission management module, a product and data service management module, and a customer pool function management module. The output ends of the permission management module, the product and data service management module, and the customer pool function management module are respectively connected to the input end of the data layer.

[0013] As a further solution of the present invention: the permission management module includes a data permission maintenance unit and a position permission maintenance unit. The data permission maintenance unit is used to maintain system data, and the position permission maintenance unit is used to maintain position permission data.

[0014] As a further solution of the present invention: the product and data service management module includes a data product maintenance unit, a data service maintenance unit, and a customer life cycle marketing management unit. The data product maintenance unit is used to maintain data product data, the data service maintenance unit is used to maintain data services, and the customer life cycle marketing management unit is used to manage the customer life cycle of the customers to be marketed.

[0015] As a further solution of the present invention: the customer pool function management module includes a credit file maintenance unit, a data verification unit, an access record unit, and a data desensitization unit. The credit file maintenance unit is used to maintain credit file data, the data verification unit is used to verify data, the access record unit is used to record access data, and the data desensitization unit is used for data desensitization.

[0016] As a further solution of the present invention: the cross-marketing recommendation module includes an in-bank total user module and an in-bank total product module. The output end of the in-bank total user module is connected to the user classification module. The output end of the user classification module is connected to the existing user module and the new user module. The output end of the existing user module is connected to the first user portrait module. The output end of the first user portrait module is connected to the existing user population module for modeling. The output end of the existing user population module for modeling is connected to the existing user feature module. The output end of the existing user feature module is connected to the search engine module;

[0017] The output end of the new user module is connected to the second user portrait module. The output end of the second user portrait module is connected to the new user population module for modeling. The output end of the new user population module for modeling is connected to the new user feature module. The output end of the new user feature module is connected to the input end of the search engine module;

[0018] The output end of the search engine module is connected to the existing user recommendation module and the new user recommendation module. The output end of the existing user recommendation module is connected to the existing user recommendation result module. The output end of the new user recommendation module is connected to the new user recommendation result module.

[0019] The cross - marketing recommendation module is used to provide personalized recommendations to different types of users based on user and product data. Among them, the in - bank total user module is used to collect and process data of all users, the in - bank total product module is used to collect and process data of all products, the user classification module is used to classify users according to the data provided by the in - bank total user module, the existing user module and the new user module respectively process information of existing users and new users, the first user portrait module and the second user portrait module are respectively used to create user portraits for existing users and new users according to the output of the user classification module, the existing user in - model customer group module and the new user in - model customer group module are both used to classify user groups, and the existing user feature module and the new user feature module are respectively used to analyze user features for personalized recommendation;

[0020] The search engine module is used to integrate user information, product information and user features for matching and recommendation;

[0021] The existing user recommendation module and the new user recommendation module are respectively used to receive the recommendation results of the search engine module and optimize the received recommendation results. The existing user recommendation result module and the new user recommendation result module are respectively used to output the final recommendation results to users. The cross - marketing recommendation module can generate marketing information for existing users by setting the search engine module to cooperate with the existing user recommendation module. At the same time, the search engine module can cooperate with the new user recommendation module to generate marketing information for new users, enabling marketing for different types of users and improving the accuracy of marketing.

[0022] As a further solution of the present invention: The data layer includes a log analysis (Apache Log) library, a distributed system (Hadoop), a data warehouse (Data Warehouse), a database (database) and a marketing feature library.

[0023] Compared with the prior art, the beneficial effects of the present invention are:

[0024] 1. Through big data analysis, marketing modeling and cross - recommendation, building a data query service, and managing customer - life - cycle marketing, the present invention is conducive to building rich marketing scenarios, fully understanding customers and their related transaction behaviors, and achieving precision marketing. On the other hand, by feedback and optimization of marketing strategies based on marketing effects, a digital marketing closed - loop can be created, improving the marketing level and the richness of marketing scenarios.

[0025] 2. By setting the cross - marketing recommendation module, the present invention can achieve cross - management of marketing strategies. By building a framework for the overall system of quick data service publishing and management, the function of the login home page can be realized. The home page interface is used to divert the service intentions of logged - in customers, which can be divided into precision marketing data services, scenario - based data services, user feedback and background management according to the usage intentions;

[0026] 3. Through the setting of the permission management module, product and data service management module, the present invention can achieve data area isolation, two-level permission control, job permission binding, and precise control of personal data permissions.

[0027] 4. By adding customer portrait, customer pool scraping function and marketing feature library, the present invention constructs the marketing management function of the customer life cycle, and can continuously improve the accuracy and convenience of marketing data services.

[0028] 5. By constructing a fast data service publishing and management system, the present invention can realize the deep integration of data and marketing, promote the innovation of precise data application, thereby improving the quality and service level of marketing data services, and can enhance the innovation of marketing content and the value of marketing data services. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] Figure 1 is the system module diagram of the present invention;

[0030] Figure 2 is the cross-marketing recommendation module diagram of the present invention;

[0031] Figure 3 is the marketing model module diagram of the present invention.

[0032] In the figure: 1. Presentation layer; 2. Application layer; 3. Service layer; 4. Data layer. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0033] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0034] Embodiment:

[0035] Please refer to Figure 1 and Figure 3 , in the embodiment of the present invention, a bank fast data service publishing and management system includes a presentation layer 1, an application layer 2 and a service layer 3. The presentation layer 1 includes a process module, and the output end of the process module is connected to the data fast query system platform. The process module is used to select a service module, and the data fast query system platform is used to recommend financial products; the input end of the application layer 2 is connected to the output end of the presentation layer 1, and the application layer 2 is used to generate a customer portrait based on a marketing model to achieve cross-marketing; the input end of the service layer 3 is connected to the output end of the application layer 2, and the output end of the service layer 3 is connected to the data layer 4.

[0036] Preferably, the process module includes a deposit customer data service module, a cross-marketing recommendation data service module, and a scenario-based marketing data service module. The output ends of the deposit customer data service module, the cross-marketing recommendation data service module, and the scenario-based marketing data service module are respectively connected to the data quick query system platform.

[0037] Preferably, the application layer 2 includes a marketing model module, a customer portrait module, a customer capture module, and a cross-marketing recommendation module. The input ends of the marketing model module, the customer portrait module, the customer capture module, and the cross-marketing recommendation module are respectively connected to the output end of the data quick query system platform.

[0038] Preferably, the marketing model module includes a position permission management unit, a data permission management unit, a system management unit, and an operation and maintenance monitoring unit. The output end of the system management unit is connected to the input ends of the data permission management unit and the position permission management unit. The output end of the data permission management unit is connected to the input end of the operation and maintenance monitoring unit. The output end of the operation and maintenance monitoring unit is connected to the position permission management module. The operation and maintenance monitoring unit is used to monitor the data traffic of the data permission management unit and the position permission management unit. The position permission management unit is used to manage the operation permissions of different positions in the financial system. The data permission management unit is used to manage the operation permissions of data.

[0039] Preferably, the input end of the customer portrait module is connected to the marketing model module. The customer portrait module is used to generate a customer portrait based on the marketing model module for screening customer groups. The customer portrait module includes a customer group screening unit. The input end of the customer capture module is connected to the output end of the customer portrait module. The customer capture module is used to capture marketing customers.

[0040] Preferably, the input end of the cross-marketing recommendation module is connected to the output end of the customer capture module. The cross-marketing recommendation module is used to generate cross-marketing information. The cross-marketing recommendation module includes a pre-credit file management unit and a credit file upload unit. The pre-credit file management unit is used to generate a pre-credit file. The credit file upload unit is used to generate a credit file and upload the credit file.

[0041] Preferably, the service layer 3 includes a permission management module, a product and data service management module, and a customer pool function management module. The output ends of the permission management module, the product and data service management module, and the customer pool function management module are respectively connected to the input end of the data layer 4.

[0042] Preferably, the permission management module includes a data permission maintenance unit and a position permission maintenance unit. The data permission maintenance unit is used to maintain system data. The position permission maintenance unit is used to maintain position permission data.

[0043] Preferably, the product and data service management module includes a data product maintenance unit, a data service maintenance unit, and a customer lifecycle marketing management unit. The data product maintenance unit is used to maintain data product data, the data service maintenance unit is used to maintain data services, and the customer lifecycle marketing management unit is used to manage the customer lifecycle of the customers to be marketed.

[0044] Preferably, the customer pool function management module includes a credit file maintenance unit, a data verification unit, an access record unit, and a data desensitization unit. The credit file maintenance unit is used to maintain credit file data, the data verification unit is used to verify data, the access record unit is used to record access data, and the data desensitization unit is used for data desensitization.

[0045] Preferably, as Figure 2 shown, the cross-marketing recommendation module includes an in-bank total user module and an in-bank total product module. The output end of the in-bank total user module is connected to the user classification module. The output end of the user classification module is connected to the existing user module and the new user module. The output end of the existing user module is connected to the first user portrait module. The output end of the first user portrait module is connected to the existing user in-model customer group module. The output end of the existing user in-model customer group module is connected to the existing user feature module. The output end of the existing user feature module is connected to the search engine module;

[0046] The output end of the new user module is connected to the second user portrait module. The output end of the second user portrait module is connected to the new user in-model customer group module. The output end of the new user in-model customer group module is connected to the new user feature module. The output end of the new user feature module is connected to the input end of the search engine module;

[0047] The output end of the search engine module is connected to the existing user recommendation module and the new user recommendation module. The output end of the existing user recommendation module is connected to the existing user recommendation result module. The output end of the new user recommendation module is connected to the new user recommendation result module.

[0048] The cross-marketing recommendation module is used to provide personalized recommendations to different types of users according to user and product data. Among them, the in-bank total user module is used to collect and process data of all users, the in-bank total product module is used to collect and process data of all products, the user classification module is used to classify users according to the data provided by the in-bank total user module, the existing user module and the new user module respectively process information of existing users and new users, the first user portrait module and the second user portrait module are respectively used to create user portraits for existing users and new users according to the output of the user classification module, the existing user in-model customer group module and the new user in-model customer group module are both used to classify user groups, and the existing user feature module and the new user feature module are respectively used to analyze user features for personalized recommendation;

[0049] The search engine module is used to integrate user information, product information, and user characteristics for matching and recommendation;

[0050] The existing user recommendation module and the new user recommendation module are respectively used to receive the recommendation results of the search engine module and optimize the received recommendation results. The existing user recommendation result module and the new user recommendation result module are respectively used to output the final recommendation results to users. The cross-marketing recommendation module can generate marketing information for existing users by setting the search engine module to cooperate with the existing user recommendation module. At the same time, the search engine module can cooperate with the new user recommendation module to generate marketing information for new users, enabling marketing for different types of users and facilitating the improvement of marketing accuracy.

[0051] Preferably, the data layer 4 includes a log analysis (Apache Log) library, a distributed system (Hadoop), a data warehouse, a database, and a marketing feature library.

[0052] In a second aspect, the present invention also provides a method applied to the bank express data service release management system as described in the above solution. The method includes:

[0053] S1: Build the overall framework of the express data service release and management system;

[0054] S2: Add marketing scenarios based on business goal orientation and build a marketing rule model and a machine learning model;

[0055] S3: Add customer portraits, customer pool scraping functions, and a marketing feature library to build a customer life cycle marketing management function;

[0056] Adding marketing scenarios based on business goal orientation and building a marketing rule model and a machine learning model can provide accurate marketing data services for the platform and form a marketing closed-loop with the marketing effect tracking data query service, enhancing the timeliness of data acquisition.

[0057] By building the overall framework of the express data service release and management system, the function of the login home page can be realized. The home page interface is used to divert the service intentions of logged-in customers. According to the usage intentions, it can be divided into accurate marketing data services, scenario-based data services, user feedback, and background management;

[0058] By setting up a permission management module, a product and data service management module, data area isolation, two-level permission control, job permission binding, and precise control of personal data permissions can be achieved.

[0059] By adding customer portraits, customer pool scraping functions, and a marketing feature library to build a customer life cycle marketing management function, the accuracy and usability of marketing data services can be continuously improved.

[0060] Preferably, the method for building the overall framework of the quick data service publishing and management system includes:

[0061] Select service modules, and users feedback problems and suggestions during use;

[0062] Users bind user information, position information, and data access permissions through a unique account;

[0063] Enter the user's home page interface, and the user can further select according to the purpose of use.

[0064] The above is only a preferred specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any person skilled in the art within the technical scope disclosed by the present invention, according to the technical solution and inventive concept of the present invention, making equivalent substitutions or changes, should be covered by the protection scope of the present invention.

Claims

1. A bank quick data service publishing management system, characterized in that: include: A presentation layer (1), the presentation layer (1) comprising a process module, the output end of the process module being connected to a data quick query system platform, the process module being used to select a service module, and the data quick query system platform being used to recommend financial products; An application layer (2), wherein an input end of the application layer (2) is connected to an output end of the presentation layer (1), and the application layer (2) is used to generate a customer profile based on a marketing model to implement cross-marketing; A service layer (3), wherein the input end of the service layer (3) is connected to the output end of the application layer (2), and the output end of the service layer (3) is connected to the data layer (4).

2. A bank quick data service publishing management system according to claim 1, characterized in that: The process module includes a deposit customer data service module, a cross-marketing recommendation data service module and a scenario-based marketing data service module, and the output ends of the deposit customer data service module, the cross-marketing recommendation data service module and the scenario-based marketing data service module are respectively connected to the data quick query system platform.

3. A bank quick data service publishing management system according to claim 1, characterized in that: The application layer (2) includes a marketing model module, a customer portrait module, a customer capture module and a cross-marketing recommendation module, and the input ends of the marketing model module, the customer portrait module, the customer capture module and the cross-marketing recommendation module are respectively connected to the output end of the data quick query system platform.

4. A bank quick data service publishing management system according to claim 3, characterized in that: The marketing model module includes a job authority management unit, a data authority management unit, a system management unit and an operation and maintenance monitoring unit. The output end of the system management unit is connected to the input ends of the data authority management unit and the job authority management unit, the output end of the data authority management unit is connected to the input end of the operation and maintenance monitoring unit, and the output end of the operation and maintenance monitoring unit is connected to the job authority management module.

5. A bank quick data service publishing management system according to claim 4, characterized in that: The input end of the customer portrait module is connected to the marketing model module, the customer portrait module is used to generate a customer portrait based on the marketing model module, the customer portrait module includes a customer group screening unit, the input end of the customer capture module is connected to the output end of the customer portrait module, and the customer capture module is used to capture marketing customers.

6. A bank quick data service publishing management system according to claim 5, characterized in that: The input end of the cross-marketing recommendation module is connected to the output end of the customer capture module. The cross-marketing recommendation module is used to generate cross-marketing information. The cross-marketing recommendation module includes a pre-credit file management unit and a credit file upload unit.

7. A bank quick data service publishing management system according to claim 6, characterized in that: The service layer (3) comprises a rights management module, a product and data service management module and a customer pool function management module, wherein the output ends of the rights management module, the product and data service management module and the customer pool function management module are respectively connected to the input end of the data layer (4).

8. A bank quick data service publishing management system according to claim 7, characterized in that: The authority management module includes a data authority maintenance unit and a position authority maintenance unit. The data authority maintenance unit is used to maintain system data, and the position authority maintenance unit is used to maintain position authority data.

9. A bank quick data service publishing management system according to claim 8, characterized in that: The product and data service management module includes a data product maintenance unit, a data service maintenance unit and a customer life cycle marketing management unit. The data product maintenance unit is used to maintain data product data, the data service maintenance unit is used to maintain data services, and the customer life cycle marketing management unit is used to manage the customer life cycle of the marketed customer.

10. A bank quick data service publishing management system according to claim 9, characterized in that: The customer pool function management module includes a credit file maintenance unit, a data verification unit, an access record unit and a data desensitization unit. The credit file maintenance unit is used to maintain credit file data, the data verification unit is used to verify data, the access record unit is used to record access data, and the data desensitization unit is used to desensitize data.

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