CN108416506B - Client risk level management method, server and computer readable storage medium - Google Patents

Abstract

The invention discloses a customer risk rating management method. The method includes: constructing a customer risk rating model including multiple financial systems; acquiring business data of the multiple financial systems and inputting it into the customer risk rating model to unify the business data Processing to generate a single customer view; extract the customer's risk level in each financial system according to the single customer view; sort according to the customer's risk level in each financial system, with the highest risk level being the customer's final risk level; The final risk level of the customer output by the customer risk rating model of each financial system and the risk level of the customer in each financial system to each financial system of the terminal equipment. The present invention also provides a server and a computer-readable storage medium. The customer risk level management method, server and computer-readable storage medium provided by the present invention can realize the sharing of customer risk level data in various financial systems.

Description

Client risk level management method, server and computer-readable storage medium

technical field

The invention relates to the technical field of financial customer management, in particular to a customer risk level management method, a server and a computer-readable storage medium.

Background technique

In recent years, with the rapid development of the information industry and the popularization of the mobile Internet, financial companies are also expanding their scales, involving more and more financial businesses. However, the customer risk rating systems in the industry are all for a single financial business. For example, the risk rating of bank customers is for bank customers, and the risk rating of insurance is only for insurance customers. The data of customer risk ratings of various financial businesses cannot be shared.

SUMMARY OF THE INVENTION

In view of this, the present invention proposes a customer risk level management method, a server and a computer-readable storage medium, so as to solve the problem that the data of the customer risk level of financial services cannot be shared.

First of all, in order to achieve the above purpose, the present invention proposes a customer risk level management method, which includes the steps:

Build a customer risk rating model that includes multiple financial systems;

obtaining business data of the plurality of financial systems and inputting it into the customer risk rating model;

The customer risk rating model performs consistent processing on the business data to generate a single customer view to obtain business data of the same customer in the multiple financial systems;

extracting the risk level of the customer in each financial system according to the single customer view;

Sort the customers according to the risk level of each financial system, and take the highest risk level as the final risk level of the customer; and

The final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system are shared with each financial system of the terminal device.

Optionally, after the step of sharing the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system, the following steps are further included:

When receiving a customer's business request, determining that the customer is a new customer according to the single customer view, wherein the business request is a business request of any one of the multiple financial systems;

If it is not a new customer, the final risk level of the customer and the risk level of the customer in each financial system are automatically displayed;

In the case of a new customer, the risk level of the new customer is evaluated based on the customer profile of the new customer.

Optionally, before the step of extracting the risk level of the customer in each financial system according to the single customer view, the following steps are further included:

Extract customer profile information;

Identify the same customer according to the five consistent principles of name, gender, date of birth, document type and document number;

According to the mapping relationship between the customer and the business of each financial system, a single customer view is generated.

Optionally, the method further includes the following steps:

When the risk levels of the same customer output by the risk rating models of various financial systems are inconsistent, corresponding prompt information is displayed.

Optionally, the method further includes the following steps:

When a customer's risk level in a financial system is high, events that lead to a high risk level are displayed.

In addition, in order to achieve the above object, the present invention also provides a server, comprising a memory and a processor, the memory stores a client risk level management system that can run on the processor, and the client risk level management system is The processor implements the following steps when executing:

Build a customer risk rating model that includes multiple financial systems;

obtaining business data of the plurality of financial systems and inputting it into the customer risk rating model;

The customer risk rating model performs consistent processing on the business data to generate a single customer view to obtain business data of the same customer in the multiple financial systems;

extracting the risk level of the customer in each financial system according to the single customer view;

Sort the customers according to the risk level of each financial system, and take the highest risk level as the final risk level of the customer; and

The final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system are shared with each financial system of the terminal device.

Optionally, after the step of sharing the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system, the following steps are further included:

When receiving a customer's business request, determine that the customer is a new customer according to the single customer view;

If it is not a new customer, the final risk level of the customer and the risk level of the customer in each financial system are automatically displayed;

In the case of a new customer, the risk level of the new customer is evaluated based on the customer profile of the new customer.

Optionally, before the step of extracting the risk level of the customer in each financial system according to the single customer view, the following steps are further included:

Extract customer profile information;

Identify the same customer according to the five consistent principles of name, gender, date of birth, document type and document number;

According to the mapping relationship between the customer and the business of each financial system, a single customer view is generated.

Optionally, the method further includes the following steps:

When the risk levels of the same customer output by the risk rating models of various financial systems are inconsistent, the corresponding prompt information will be displayed;

When a customer's risk level in a financial system is high, events that lead to a high risk level are displayed.

Further, in order to achieve the above object, the present invention also provides a computer-readable storage medium, where the computer-readable storage medium stores a customer risk level management system, and the customer risk level management system can be executed by at least one processor, to cause the at least one processor to perform the steps of the customer risk level management method as described above.

Compared with the prior art, the customer risk level management method, server and computer-readable storage medium proposed by the present invention firstly constructs a customer risk rating model including multiple financial systems; then, obtains the business of each financial system of the group. The data is processed in a consistent manner to generate a single customer view; further, the risk level of the customer in each financial system is extracted according to the single customer view; then, the customer is sorted according to the risk level of each financial system, with the highest The risk level is the final risk level of the customer; finally, the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system are shared with each financial system of the terminal equipment, so that each The salespersons of each financial system can timely know the risk level of the same customer in different financial systems and the final risk level of the customer, so as to realize the sharing of customer risk level data, so that the salesperson can refer to the customer's risk level in other financial systems and make decisions. Better risk prevention.

Description of drawings

1 is a schematic diagram of an optional application environment of each embodiment of the present invention;

Fig. 2 is a schematic diagram of an optional hardware architecture of the server in Fig. 1;

3 is a schematic diagram of the program modules of the first embodiment of the customer risk level management system of the present invention;

4 is a schematic diagram of the program modules of the second embodiment of the customer risk level management system of the present invention;

5 is a schematic diagram of a program module of a third embodiment of the customer risk level management system of the present invention;

6 is a schematic flowchart of the first embodiment of the customer risk level management method of the present invention;

7 is a schematic flow chart of the second embodiment of the customer risk level management method of the present invention;

FIG. 8 is a schematic flowchart of a third embodiment of a customer risk level management method according to the present invention.

Reference number:

Terminal Equipment 1 server 2 network 3 memory 11 processor 12 Network Interface 13 Customer Risk Level Management System 200 building blocks 201 build module 202 Extract module 203 Sorting module 204 shared module 205 Judgment module 206 prompt module 207 Evaluation module 208 Identify the module 209

The realization, functional characteristics and advantages of the present invention will be further described with reference to the accompanying drawings in conjunction with the embodiments.

Detailed ways

In order to make the objectives, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention, but not to limit the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

It should be noted that the descriptions involving "first", "second", etc. in the present invention are only for the purpose of description, and should not be construed as indicating or implying their relative importance or implying the number of indicated technical features . Thus, a feature delimited with "first", "second" may expressly or implicitly include at least one of that feature. In addition, the technical solutions between the various embodiments can be combined with each other, but must be based on the realization by those of ordinary skill in the art. When the combination of technical solutions is contradictory or cannot be realized, it should be considered that the combination of such technical solutions does not exist. , is not within the protection scope of the present invention.

Referring to FIG. 1 , it is a schematic diagram of an optional application environment of each embodiment of the present invention.

In this embodiment, the present invention can be applied to an application environment including, but not limited to, the terminal device 1 , the server 2 , and the network 3 . Wherein, the terminal device 1 can be a mobile phone, a smart phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a navigation device, a vehicle-mounted device, etc. Mobile devices such as mobile devices, and fixed terminals such as digital TVs, desktop computers, notebooks, servers, etc. The server 2 may be a computing device such as a rack server, a blade server, a tower server or a cabinet server, and the server 2 may be an independent server or a server cluster composed of multiple servers. The network 3 can be an intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), a Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network , Bluetooth (Bluetooth), Wi-Fi, call network and other wireless or wired networks.

Wherein, the server 2 is respectively connected to one or more of the terminal devices 1 through the network 3 in communication, so as to perform data transmission and interaction.

Referring to FIG. 2 , it is a schematic diagram of an optional hardware architecture of the server 2 in FIG. 1 . In this embodiment, the server 2 may include, but is not limited to, the memory 11 , the processor 12 , and the network interface 13 that can communicate with each other through a system bus. It should be pointed out that FIG. 2 only shows the server 2 having the components 11-13, but it should be understood that it is not required to implement all the shown components, and more or less components may be implemented instead.

Wherein, the memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM) , Static Random Access Memory (SRAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Programmable Read Only Memory (PROM), Magnetic Memory, Magnetic Disk, Optical Disk, etc. In some embodiments, the memory 11 may be an internal storage unit of the server 2 , such as a hard disk or a memory of the server 2 . In other embodiments, the memory 11 may also be an external storage device of the server 2, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure) Digital, SD) card, flash memory card (Flash Card), etc. Of course, the memory 11 may also include both the internal storage unit of the server 2 and its external storage device. In this embodiment, the memory 11 is generally used for storing the operating system and various application software installed on the server 2 , such as the program codes of the customer risk level management system 200 and the like. In addition, the memory 11 can also be used to temporarily store various types of data that have been output or will be output.

In some embodiments, the processor 12 may be a central processing unit (Central Processing Unit, CPU), a controller, a microcontroller, a microprocessor, or other data processing chips. The processor 12 is generally used to control the overall operation of the server 2 , for example, to perform control and processing related to data interaction or communication with the terminal device 1 . In this embodiment, the processor 12 is configured to run the program code or process data stored in the memory 11, for example, run the customer risk level management system 200 and the like.

The network interface 13 may include a wireless network interface or a wired network interface, and the network interface 13 is generally used to establish a communication connection between the server 2 and other electronic devices. In this embodiment, the network interface 13 is mainly used to connect the server 2 to one or more of the terminal devices 1 through the network 3 , and the server 2 to the one or more terminal devices 1 Establish data transmission channels and communication connections between them.

So far, the application environment of each embodiment of the present invention and the hardware structure and functions of the related devices have been described in detail. Hereinafter, various embodiments of the present invention will be proposed based on the above-mentioned application environment and related devices.

First, the present invention provides a customer risk level management system 200 .

Referring to FIG. 3 , it is a program module diagram of the first embodiment of the customer risk level management system 200 of the present invention.

In this embodiment, the customer risk level management system 200 includes a series of computer program instructions stored in the memory 11. When the computer program instructions are executed by the processor 12, the customer risk level according to the embodiments of the present invention can be implemented. management operations. In some embodiments, the customer risk level management system 200 may be divided into one or more modules based on the specific operations implemented by the various portions of the computer program instructions. For example, in FIG. 3 , the customer risk level management system 200 can be divided into a building module 201 , a generating module 202 , an extracting module 203 , a sorting module 204 , and a sharing module 205 . in:

The building module 201 is used to build a customer risk rating model including multiple financial systems.

Specifically, with the continuous expansion of financial companies, more and more financial businesses are involved. Taking a large financial group as an example, the financial system included in this large financial group includes the banking system, insurance system, securities system, and loan system. And so on, the corresponding financial services involved are banking, insurance, securities, loan and so on. The customer risk rating model including multiple financial systems constructed by the server 2 includes all financial businesses involved in the group.

The acquisition module 202 is configured to acquire the business data of the multiple financial systems and input them into the customer risk rating model, and perform consistent processing on the business data through the customer risk rating model to generate a single customer view In order to obtain the business data of the same customer in the multiple financial systems.

Specifically, the customer risk rating model including multiple financial systems includes a data centralized platform. First, the server 2 collects the business data of various financial systems, such as banking system, insurance system, securities system, loan system, etc., into a data centralized platform through the acquisition module 202 . Secondly, the obtaining module 202 obtains the data of the same customer in the above-mentioned multiple financial systems from the data of the data collection platform. For example, if customer A has done business in the banking system and the securities system, the obtaining module 202 obtains the data of customer A in the banking system and the securities system. For the business data of the banking system and the securities system, data consistency processing is performed to generate a mapping relationship between customers and business data, that is, a single customer view is formed.

The extraction module 203 is configured to extract the risk level of the customer in each financial system according to the single customer view.

Specifically, each financial system has different risk rating standards for customers, and also has different definitions of customer data analysis. Therefore, in this embodiment, each financial system evaluates the risk ratings of customers independently. The customer risk rating model including multiple financial systems includes each financial system including an industry-specific customer risk level evaluation model. The single customer view data on the data centralized platform passes through the customer risk level evaluation model of each financial system. the corresponding risk level. The server 2 extracts the customer's risk level in each financial system from the customer risk rating model including multiple financial systems through the extraction module 203 . It is understandable that because the risk level assessment standards of customers in each financial system are different, the risk level of the same customer in different financial systems may be different. For example, the risk level of customer A in the banking system is high risk. , the risk level in the securities system is medium risk, and the risk level in the insurance system is low risk.

The sorting module 204 is used for sorting according to the risk level of the customers in each financial system, and the highest risk level is the final risk level of the customer.

Specifically, the server 2 sorts the risk levels of the clients in each financial system according to the high and low levels, and takes the highest risk level as the final risk level of the client in accordance with the principle of high priority and the principle of risk prudence. For example, the risk level of customer B in the banking system is high risk, the risk level in the securities system is low risk, and the risk level in the insurance system and other systems is low risk, even if the customer has a risk level in the securities system, insurance system and other systems It is low risk, but the customer's risk level in the banking system is high. According to the principle of high risk, the final risk level assessed by customer B is high risk level. In this way, when customer B purchases financial services such as insurance products, the insurance system can prevent business risks that customer B may bring in advance.

The sharing module 205 is configured to share the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1 .

Specifically, when the customer's final risk level is output by the customer risk rating model including multiple financial systems, the server 2 shares the customer's final risk level with each financial system through the sharing module 205, and also shares the customer's final risk level in each financial system. The risk level of each financial system is shared with each financial system, so that the salesperson of each financial system can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that business Members can refer to the risk level of customers in other financial systems to make better risk prevention.

In other embodiments of the present invention, when the risk levels of the same customer output by the risk rating models of various financial systems are inconsistent, the server 2 displays corresponding prompt information. In this embodiment, the early warning signal may be, but not limited to, adding a tag to the customer to remind the salesman to do a good job in risk prevention. For example, when the risk level of customer A in the loan system is low, and the risk level of the banking system is high, when customer A handles loan business in the loan system, the salesperson of the loan system can query customer A according to the warning signal. The reason for the high risk level of the banking system is to determine whether customer A is eligible for loan business.

In other embodiments of the present invention, when the customer's risk level in a certain financial system is high, the events leading to the high risk level are displayed. For example, when a customer is assessed as a high-risk level due to a high-risk event triggered in the banking system, it shows the high-risk event of the customer, such as the event that the customer is queried, frozen, or deducted from the deposit by the public security authority, tax authority, and customs.

Through the above program modules 201-205, the customer risk level management system 200 proposed by the present invention firstly constructs a customer risk rating model including multiple financial systems; Generate a single customer view; further, extract the risk level of the customer in each financial system according to the single customer view; then, sort according to the risk level of the customer in each financial system, with the highest risk level being the final customer. Risk level; finally, share the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1, so that the business of each financial system is The staff can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that the sales staff can refer to the customer's risk level in other financial systems to make better risk prevention. .

Referring to FIG. 4 , it is a program module diagram of the second embodiment of the customer risk level management system 200 of the present invention. In this embodiment, the customer risk level management system 200 includes the construction module 201 , the generation module 202 , the extraction module 203 , the sorting module 204 , and the sharing module 205 in the first embodiment, and also includes a judgment module. 206 , a prompting module 207 and an evaluation module 208 .

The obtaining module 206 is configured to judge whether the customer is a new customer according to the single customer view when receiving the customer's service request.

Specifically, as can be seen from the above, in the first embodiment, the server 2 collects the business data of various financial systems, such as the banking system, insurance system, securities system, loan system, etc., to the data centralization platform for data consistency processing , forming a single customer view. Inevitably, each system will have new customers joining, even new customers of the group. Therefore, in this embodiment, when the server 2 receives the service request from the terminal device 1, the judging module 206 judges whether the customer is a new customer according to the single customer view of the data centralized platform, when the data centralized platform contains When there is a single customer view of the customer, it indicates that the customer is an old customer, and when the platform in the dataset does not have a single customer view of the customer, it indicates that the customer is a new customer. The new customers here refer to the new customers of the group, that is, they have not handled business in various systems.

The prompt module 207 is used to automatically display the final risk level of the customer and the risk level of the customer in various financial systems if the customer is not a new customer.

Specifically, when the customer is not a new user, it indicates that the customer risk rating model including multiple financial systems has already evaluated the risk level of the customer in the corresponding system where the business has been handled. The server 2 displays the final risk level of the customer and the risk level of the customer in each financial system through the prompt module 207 . At the same time, if the final risk level of the customer is high, specific events with a high risk level are also displayed.

The evaluation module 208 is configured to evaluate the risk level of the new customer according to the customer data of the new customer if the customer is a new customer.

Specifically, if the customer is a new customer, it means that the customer has not handled any business in the group, and the evaluation module 208 evaluates the risk level of the customer according to the customer information of the new customer, and shares it with each financial system.

Through the above program modules 206-208, the customer risk level management system 200 proposed by the present invention can also judge that the customer is a new customer of the group according to the single customer view when receiving the customer's business request; if it is not a new customer, automatically Display the final risk level of the customer and the risk level of the customer in each financial system; if it is a new customer, the risk level of the new customer is evaluated according to the customer information of the new customer, which realizes the classification of new and old customers and improves risk prevention. .

Referring to FIG. 5, it is a program module diagram of the third embodiment of the customer risk level management system 200 of the present invention. In this embodiment, the customer risk level management system 200 includes the building module 201 , the generating module 202 , the extracting module 203 , the sorting module 204 , and the sharing module 205 in the first embodiment, and also includes an identification module 209.

The extraction module 203 is also used for extracting the personal data information of the customer.

Specifically, the server 2 extracts the customer's personal data information from the data collection platform through the extraction module 203, wherein the personal data information includes but is not limited to the customer's name, gender, date of birth, certificate type, certificate number, application business, etc.

The identification module 209 is used to identify the same customer according to five consistent principles of name, gender, date of birth, certificate type and certificate number.

Specifically, as can be seen from the above, the server identifies the same client of the group to form a single client view, but in order to avoid confusion of clients with the same name, the server identifies the same client according to certain rules. In this embodiment, the server 2 uses the identification module 209 to identify the same client from the personal data information extracted from the client according to the five consistent principles of client name, gender, date of birth, certificate type and certificate number, ensuring that the client Information is accurate.

The generating module 202 is configured to generate a single customer view according to the mapping relationship between the customer and the business of each financial system.

Specifically, as can be seen from the above, the server 2 collects the business data of various financial systems, such as banking system, insurance system, securities system, loan system, etc., into a data centralized platform. In an embodiment of the present invention, the generating module 202 can configure a crawler program to capture the business data of the same customer in the above-mentioned multiple financial systems to form a mapping relationship between the customer and each financial business system, and then the generating module 202 According to the mapping relationship between the customer and the business of each financial system, a single customer view is generated.

Through the above program module 209, the customer risk level management system 200 proposed by the present invention can also extract the customer's personal data information; identify the same customer according to the five consistent principles of name, gender, date of birth, certificate type and certificate number; The mapping relationship between the customer and the business of each financial system generates a single customer view, thereby ensuring accurate customer information.

In addition, the present invention also provides a customer risk level management method.

Referring to FIG. 6 , it is a schematic flowchart of the first embodiment of the customer risk level management method of the present invention. In this embodiment, according to different requirements, the execution order of the steps in the flowchart shown in FIG. 6 can be changed, and some steps can be omitted.

Step S301, constructing a customer risk rating model including multiple financial systems.

Specifically, with the continuous expansion of financial companies, more and more financial businesses are involved. Taking a large financial group as an example, the financial system included in this large financial group includes the banking system, insurance system, securities system, and loan system. And so on, the corresponding financial services involved are banking, insurance, securities, loan and so on. The customer risk rating model including multiple financial systems constructed by the server 2 includes all financial businesses involved in the group.

Step S302, acquiring business data of the multiple financial systems and inputting it into the customer risk rating model, and performing consistent processing on the business data through the customer risk rating model to generate a single customer view to obtain the same customer Business data in the multiple financial systems.

Specifically, the customer risk rating model including multiple financial systems includes a data centralized platform. First, the server 2 collects the business data of various financial systems, such as banking system, insurance system, securities system, loan system, etc. Data Centralization Platform. Secondly, the obtaining module 202 obtains the data of the same customer in the above-mentioned multiple financial systems from the data of the data collection platform. For example, if customer A has done business in the banking system and the securities system, the obtaining module 202 obtains the data of customer A in the banking system and the securities system. For the business data of the banking system and the securities system, data consistency processing is performed to generate a mapping relationship between customers and business data, that is, a single customer view is formed.

Step S303, extracting the risk level of the customer in each financial system according to the single customer view.

Specifically, each financial system has different risk rating standards for customers, and also has different definitions of customer data analysis. Therefore, in this embodiment, each financial system evaluates the risk ratings of customers independently. The customer risk rating model including multiple financial systems includes each financial system including an industry-specific customer risk level evaluation model. The single customer view data on the data centralized platform passes through the customer risk level evaluation model of each financial system. corresponding risk level. The server 2 extracts a customer's risk level in each financial system from a customer risk rating model including multiple financial systems. It is understandable that because the risk level assessment standards of customers in each financial system are different, the risk level of the same customer in different financial systems may be different. For example, the risk level of customer A in the banking system is high risk. , the risk level in the securities system is medium risk, and the risk level in the insurance system is low risk.

Step S304 , sort according to the risk level of the customers in each financial system, and take the highest risk level as the final risk level of the customer.

Specifically, the server 2 sorts the risk levels of the clients in each financial system according to the high and low levels, and takes the highest risk level as the final risk level of the client in accordance with the principle of high priority and the principle of risk prudence. For example, the risk level of customer B in the banking system is high risk, the risk level in the securities system is low risk, and the risk level in the insurance system and other systems is low risk, even if the customer has a risk level in the securities system, insurance system and other systems It is low risk, but the customer's risk level in the banking system is high. According to the principle of high risk, the final risk level assessed by customer B is high risk level. In this way, when customer B purchases financial services such as insurance products, the insurance system can prevent business risks that customer B may bring in advance.

Step S305 , share the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1 .

Specifically, when the customer's final risk level is output by the customer risk rating model including multiple financial systems, the server 2 shares the customer's final risk level with each financial system, and at the same time also reports the customer's final risk level in each financial system. The risk level is shared with each financial system, so that the salesperson of each financial system can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that salespersons can refer to customers. In the risk level of other financial systems, make better risk prevention. For example, when the risk level of customer A in the loan system is low, and the risk level of the banking system is high, when customer A handles loan business in the loan system, the salesperson of the loan system can query customer A according to the warning signal. The reason for the high risk level of the banking system is to determine whether customer A is eligible for loan business.

In other embodiments of the present invention, when the risk levels of the same customer output by the risk rating models of various financial systems are inconsistent, the server 2 displays corresponding prompt information. In this embodiment, the early warning signal may be, but not limited to, adding a tag to the customer to remind the salesman to do a good job in risk prevention.

In other embodiments of the present invention, when the customer's risk level in a certain financial system is high, the events leading to the high risk level are displayed. For example, when a customer is assessed as a high-risk level due to a high-risk event triggered in the banking system, it shows the high-risk event of the customer, such as the event that the customer is queried, frozen, or deducted from the deposit by the public security authority, tax authority, and customs.

Through the above steps S301-S305, in the customer risk level management method proposed in this embodiment, first, a customer risk rating model including multiple financial systems is constructed; then, the business data of each financial system under the group is obtained for consistent processing to generate A single customer view; further, extract the risk level of the customer in each financial system according to the single customer view; then, sort according to the risk level of the customer in each financial system, with the highest risk level being the final risk of the customer Finally, share the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system of the terminal device 1, so that the salesperson of each financial system It can timely understand the risk level of the same customer in different financial systems and the final risk level of the customer, and realize the sharing of customer risk level data, so that the salesperson can refer to the customer's risk level in other financial systems to make better risk prevention.

As shown in FIG. 7 , it is a schematic flowchart of the second embodiment of the customer risk level management method of the present invention. In this embodiment, in the above-mentioned first embodiment, the step of sharing the final risk level of the customer output by the customer risk rating model including multiple financial systems and the risk level of the customer in each financial system to each financial system After that, it also includes the following steps:

Step S401, when receiving a service request from a customer, it is judged whether the customer is a new customer according to the single customer view, if not, step S402 is executed, otherwise, skip to step S403.

Specifically, as can be seen from the above, in the first embodiment, the server 2 collects the business data of various financial systems, such as the banking system, insurance system, securities system, loan system, etc., to the data centralization platform for data consistency processing , forming a single customer view. Inevitably, each system will have new customers joining, even new customers of the group. Therefore, in this embodiment, when the server 2 receives the service request from the terminal device 1, it determines whether the customer is a new customer according to the single customer view of the data centralized platform. When there is a single customer view, it indicates that the customer is an old customer, and when the platform in the data centralized platform does not have a single customer view of the customer, it indicates that the customer is a new customer. The new customers here refer to the new customers of the group, that is, they have not handled business in various systems.

Step S402, if it is not a new customer, the final risk level of the customer and the risk level of the customer in each financial system are automatically displayed.

Specifically, when the customer is not a new user, it indicates that the customer risk rating model including multiple financial systems has already evaluated the risk level of the customer in the corresponding system where the business has been handled. The server 2 displays the client's final risk level and the client's risk level in each financial system. At the same time, if the final risk level of the customer is high, specific events with a high risk level are also displayed.

Step S403, if it is a new customer, evaluate the risk level of the new customer according to the customer data of the new customer.

Specifically, if the customer is a new customer, it means that the customer has not handled any business in the group, and the server 2 evaluates the customer's risk level through a customer risk rating model including multiple financial systems, and shares it with each financial system. system.

Through the above steps S401-S403, the customer risk level management method proposed in this embodiment can also judge that the customer is a new customer of the group according to the single customer view when receiving the customer's business request; if it is not a new customer, it will automatically display The final risk level of the customer and the risk level of the customer in each financial system; if it is a new customer, the risk level of the new customer is evaluated according to the customer information of the new customer, which realizes the classification of new and old customers and improves risk prevention.

As shown in FIG. 8 , it is a schematic flowchart of the second embodiment of the customer risk level management method of the present invention. In this embodiment, in the above-mentioned first embodiment, the step of extracting the risk level of the customer in each financial system according to the single customer view specifically includes the following steps:

Step S501, extracting the personal data information of the customer.

Specifically, the server 2 extracts the customer's personal data information from the data collection platform, wherein the personal data information includes but is not limited to the customer's name, gender, date of birth, certificate type, certificate number, business handled, and the like.

Step S502, identify the same customer according to the five consistent principles of name, gender, date of birth, certificate type and certificate number.

Specifically, as can be seen from the above, the server identifies the same client of the group to form a single client view, but in order to avoid confusion of clients with the same name, the server identifies the same client according to certain rules. In this embodiment, the server 2 identifies the same customer from the extracted personal data information of the customer according to the five consistent principles of customer name, gender, date of birth, certificate type and certificate number to ensure accurate customer information.

Step 503 is to generate a single customer view according to the mapping relationship between the customer and the business of each financial system.

Specifically, as can be seen from the above, the server 2 collects the business data of various financial systems, such as banking system, insurance system, securities system, loan system, etc., into a data centralized platform. In an embodiment of the present invention, the generating module 202 can configure a crawler program to capture the business data of the same customer in the above-mentioned multiple financial systems to form a mapping relationship between the customer and each financial business system, and then the generating module 202 According to the mapping relationship between the customer and the business of each financial system, a single customer view is generated.

Through the above steps S501-S503, the customer risk level management method proposed in this embodiment can also extract the customer's personal data information; identify the same customer according to the five consistent principles of name, gender, date of birth, certificate type and certificate number; According to the mapping relationship between the customer and the business of each financial system, a single customer view is generated, thereby ensuring accurate customer information.

The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages or disadvantages of the embodiments.

From the description of the above embodiments, those skilled in the art can clearly understand that the method of the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is better implementation. Based on this understanding, the technical solutions of the present invention can be embodied in the form of software products in essence or the parts that make contributions to the prior art, and the computer software products are stored in a storage medium (such as ROM/RAM, magnetic disk, CD-ROM), including several instructions to make a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the methods described in the various embodiments of the present invention.

The above are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Any equivalent structure or equivalent process transformation made by using the contents of the description and drawings of the present invention, or directly or indirectly applied in other related technical fields , are similarly included in the scope of patent protection of the present invention.

Claims (10)

1. A client risk level management method applied to a server is characterized by comprising the following steps:

constructing a client risk rating model comprising a plurality of financial systems, wherein the client risk rating model comprises a data centralization platform;

acquiring business data of the plurality of financial systems and inputting the business data into the client risk rating model;

the client risk rating model carries out the consistency processing on the business data, generates a single client view to obtain the business data of the same client in the multiple financial systems, and comprises the following steps: inputting business data of each financial system into the data centralized platform, acquiring the business data of the same customer in each financial system from the data centralized platform, and performing consistency processing on the business data to generate a single customer view containing a mapping relation between the customer and the business data;

extracting the risk level of the client in each financial system according to the single client view;

sorting according to the risk level of the client in each financial system, and taking the highest risk level as the final risk level of the client; and

and sharing the final risk level of the client output by the client risk rating model comprising a plurality of financial systems and the risk level of the client in each financial system to each financial system of the terminal equipment.

2. The method for managing a risk level of a customer according to claim 1, wherein the step of sharing the final risk level of the customer outputted from the customer risk rating model including a plurality of financial systems and the risk level of the customer in each financial system to each financial system further comprises the steps of:

when a business request of a customer is received, judging whether the customer is a new customer according to the single customer view, wherein the business request is a business request of any one of the multiple financial systems;

if the client is not a new client, automatically displaying the final risk level of the client and the risk level of the client in each financial system;

and if so, evaluating the risk level of the new client according to the client data of the new client.

3. The customer risk level management method of claim 1 wherein the step of extracting the risk level of the customer at each financial institution based on the single customer view further comprises the steps of:

extracting personal data information of a client;

identifying the same client according to five consistent principles of name, gender, birth date, certificate type and certificate number;

and generating a single customer view according to the mapping relation between the customer and each financial system service.

4. The customer risk level management method of claim 1, wherein the method further comprises the steps of:

and when the risk grades of the same customer output by the risk rating models of the financial systems are not consistent, displaying corresponding prompt information.

5. The customer risk level management method of claim 1, wherein the method further comprises the steps of:

when a customer's risk level is high on a financial system, events that result in a high risk level are displayed.

6. A server, comprising a memory, a processor, the memory having stored thereon a customer risk level management system operable on the processor, the customer risk level management system when executed by the processor performing the steps of:

constructing a customer risk rating model comprising a plurality of financial systems, wherein the customer risk rating model comprises a data centralization platform;

acquiring business data of the plurality of financial systems and inputting the business data into the client risk rating model;

the client risk rating model carries out the consistency processing on the business data, generates a single client view to obtain the business data of the same client in the multiple financial systems, and comprises the following steps: inputting business data of each financial system into the data centralized platform, acquiring the business data of the same customer in each financial system from the data centralized platform, and performing consistency processing on the business data to generate a single customer view containing a mapping relation between the customer and the business data;

extracting the risk level of the client in each financial system according to the single client view;

sorting according to the risk level of the client in each financial system, and taking the highest risk level as the final risk level of the client; and

and sharing the final risk level of the client output by the client risk rating model comprising a plurality of financial systems and the risk level of the client in each financial system to each financial system of the terminal equipment.

7. The server according to claim 6, wherein the step of sharing the final risk level of the client output by the client risk rating model comprising a plurality of financial systems and the risk level of the client in each financial system to each financial system further comprises the steps of:

when a business request of a customer is received, judging that the customer is a new customer according to the single customer view, wherein the business request is a business request of any one of the multiple financial systems;

if the client is not a new client, automatically displaying the final risk level of the client and the risk level of the client in each financial system;

and if so, evaluating the risk level of the new client according to the client data of the new client.

8. The server of claim 6, wherein said step of extracting risk levels of said customer at respective financial institutions from said single customer view further comprises the steps of:

extracting personal data information of a client;

identifying the same client according to five consistent principles of name, gender, birth date, certificate type and certificate number;

and generating a single customer view according to the mapping relation between the customer and each financial system service.

9. The server of claim 6, wherein the client risk level management system, when executed by the processor, further performs the steps of:

when the risk grades of the same customer output by the risk rating models of the financial systems are not consistent, displaying corresponding prompt information;

when a customer's risk level is high on a financial system, events that result in a high risk level are displayed.

10. A computer-readable storage medium storing a customer risk level management system executable by at least one processor to cause the at least one processor to perform the steps of the customer risk level management method according to any one of claims 1-5.

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