TWI740426B - System and method for calculating contribution degree of electronic payment institution - Google Patents

Abstract

A system and method for calculating the contribution degree of an electronic payment institution, which calculates the contribution degree of an electronic payment institution cooperating with a bank to the bank before storing the plural number of at least one electronic payment institution cooperating with the bank in the bank server of the bank Use a news search module to search for multiple news of electronic payment institutions on the Internet; use a news filtering module to filter these news with keywords to retain negative news, and then use such information and For the number of negative news, a contribution calculation module is used to calculate the contribution of the electronic payment institution to one of the bank servers. The contribution value calculated by the present invention can be used for reference by the bank to determine the subsequent cooperation mode with the electronic payment institution.

Description

System and method for calculating contribution degree of electronic payment institution

The present invention relates to a financial transaction system, in particular to a system and method for calculating the contribution degree of an electronic payment institution.

According to the popularization of smart phones, electronic payment has gradually become a new form of payment trend. Electronic payment institutions usually do not have their own banking systems and deposit accounts. Therefore, they will cooperate with various banks to enable users of electronic payment institutions to Use the bank's deposit account to pay.

The cooperation between the electronic payment institution and the bank includes binding an agreed account. For example, if a consumer has a bank A deposit account, this deposit account can simultaneously apply to bind A electronic payment institution, B electronic payment institution, C electronic payment institution, etc., when When consumers use A, B, C and other electronic payment institutions that have bound agreed account numbers, they can directly deduct money from the deposit account of Bank A. However, as far as the bank is concerned, the contribution of each electronic payment institution to the bank is the key to be considered, and this part will affect whether the bank launches marketing activities in cooperation with the electronic payment institution.

Therefore, the present invention proposes a system and method for calculating the contribution degree of an electronic payment institution to effectively calculate an accurate contribution degree value of an electronic payment institution. The specific structure and implementation methods will be described in detail below:

The main purpose of the present invention is to provide a system and method for calculating the contribution of electronic payment institutions. It searches for negative news of electronic payment institutions on the Internet as one of the parameters for calculating the contribution, so that the calculation result of the contribution is consistent with the simple book number. It is closer to the real situation.

Another object of the present invention is to provide a system and method for calculating the contribution of electronic payment institutions, which filter the news found on the Internet and exclude news related to non-electronic payment institutions to ensure the accuracy of search results.

Another object of the present invention is to provide a system and method for calculating the contribution of electronic payment institutions, which further uses fuzzy comparison to merge similar information in the searched news into one, so as to avoid reports from multiple TV stations or newspapers. The same news is counted repeatedly, which affects the correctness of the contribution.

To achieve the above objective, the present invention provides a system for calculating the contribution of an electronic payment institution, which is set in a bank server, and includes: an electronic payment institution information module storing a plurality of at least one electronic payment institution cooperating with the bank server Information; a news search module to search for plural news of the at least one electronic payment institution from the Internet; a news filtering module to connect to the news search module to filter the news using at least one keyword to obtain a quantity And a contribution calculation module, which connects the electronic payment institution information module and the news filtering module, and calculates the at least one negative news based on the information of the at least one electronic payment institution and the number of negative news The contribution of the electronic payment institution to one of the bank servers.

According to an embodiment of the present invention, the information of the electronic payment institution includes the number of people applying for an agreed account, fee income, market share, and the number of people who cancel an agreed account application, where the agreed account is the bank account of the bank server .

According to an embodiment of the present invention, the news search module uses network robots to automatically collect the news on the Internet.

According to the embodiment of the present invention, it further includes a first-level distance classification module, presets a first-level distance table of contribution value, matches the contribution value with the level distance table, and determines the contribution value of the at least one electronic payment institution The level falling in the level range table is used to determine the cooperation mode with the at least one electronic payment institution.

According to an embodiment of the present invention, the at least one keyword is a negative keyword.

The present invention also provides a method for calculating the contribution of an electronic payment institution, which is applied to a bank server and includes the following steps: storing at least one of the cooperation with the bank server in an electronic payment institution information module of the bank server Use a news search module to search for multiple news of at least one electronic payment institution on the Internet; use a news filtering module to filter the news using keywords to obtain a number of negative news ; And according to the number of the information and negative news of the at least one electronic payment institution, a contribution calculation module is used to calculate a contribution value of the at least one electronic payment institution to the bank server.

According to an embodiment of the present invention, the news filtering module further includes the following steps: filtering the news using the at least one keyword to exclude news that does not belong to the at least one electronic payment institution; and performing fuzzy comparison on the remaining ones, Find out similar news and merge them into one news, determine that the keywords of similar news include the title, content, date and time, etc. of the news; and calculate the final number of news remaining, which is the number of negative news.

The present invention provides a system and method for calculating the contribution degree of an electronic payment institution, which calculates the contribution degree of an electronic payment institution cooperating with a bank to the bank. The follow-up cooperation model of electronic payment institutions. This system has a link relationship with the agreed linked deposit account in the bank server, and it can be known which electronic payment institution the agreed link set for each deposit account is.

Please refer to Figure 1, which is a structural diagram of the system for calculating the contribution of electronic payment institutions in the present invention. The system of the present invention is set in a bank server 10. The system includes an electronic payment institution information module 12 and a news search. Module 14, a news filtering module 16 and a contribution calculation module 18, wherein the electronic payment institution information module 12 stores plural information 122 of at least one electronic payment institution cooperating with the bank server 10; news search module Group 14 uses Internet robots to search for multiple news 142 of at least one electronic payment institution from the Internet. Internet robots such as spiders, robots, etc. will automatically grab the eligible data from the Internet according to the set conditions; the news filtering module 16 and The news search module 14 is connected to filter the news 142 with at least one keyword. In the embodiment of the present invention, negative keywords, such as debt, debt, Chinese capital, etc., are set to filter out negative news and obtain a quantity The negative news; and a contribution calculation module 18, which calculates a contribution value of the electronic payment institution to the bank server 10 based on the information 122 of at least one electronic payment institution and the number of negative news.

Due to the cooperative relationship between the electronic payment institution and the bank server 10, if more people use the electronic payment institution A to make payments with the bank that is bound to Bank B, then for Bank B, if more consumers use A If the electronic payment institution binds Bank B's consumption, the higher the handling fee that Bank B can charge to the electronic payment institution A will also increase the utilization rate of consumers using Bank B. Therefore, the contribution of the electronic payment institution A to Bank B is also Will get bigger.

The reason for searching for negative news of electronic payment institutions in the present invention is that if electronic payment institutions produce negative news, it may affect the people’s willingness to use the electronic payment institutions. Contribution will also be reduced. Therefore, negative news is also one of the factors that can be used as a reference for calculating contribution.

The information of the electronic payment institution stored in the electronic payment institution information module 12 includes the number of applicants for the agreed account, the number of long-lived contacts, fee income, the market share of the electronic payment institution, and the number of applicants for canceling the agreed account, etc. The agreed account number is the bank account number of the bank server 10. In other words, the consumer binds the bank account number of the bank server 10 to the electronic payment institution A for payment; the number of active long-term contacts represents the bank in the bank server 10 The account has changed from being unused for a long time to being used; the handling fee income is the handling fee charged by the bank server 10 to the electronic payment institution for each transaction.

Please refer to Figure 2 for the flowchart of the method for calculating the contribution of an electronic payment institution according to the present invention. In step S10, first store plural information of at least one electronic payment institution in an electronic payment institution information module of the bank server. The at least one electronic payment institution is a partner with the bank server. In addition, the bank server The server uses a news search module to search for multiple news of electronic payment institutions from the Internet; then, as described in step S12, the bank server uses a news filtering module to filter the news searched by the news search module by keywords. Since the keyword set is to find negative news, the filtered result will get a number of negative news; finally, as described in step S14, filter according to the information and news of the electronic payment institution stored in the electronic payment institution information module The number of negative news filtered out by the module uses a contribution calculation module to calculate the contribution of the electronic payment institution to a bank server.

For example, suppose that the judgment parameter of the contribution value includes six scoring parameters, including the number of people who apply for the agreed account above a, the number of long-lost contacts b, the fee income c, the market share of electronic payment institutions d, and the cancellation of the agreed account The number of applicants e and the number of negative news f. The present invention further standardizes each parameter. For example, the number of applicants for an agreed account a is calculated in units of 10,000, and the fee income c is also calculated in units of 10,000, and is preceded by each parameter. Adding the weights M1~M6, the contribution value G of this electronic payment institution to the bank server can be calculated, as follows: G=M1a+M2b+M3c+M4d-M5e-M6f

Among them, because the negative news and the number of people who cancel the agreed account application are not beneficial to the bank, M5e and M6f are negative numbers. The larger the value of M5e and M6f, the smaller the contribution of the electronic payment institution to the bank server. In addition, the value of the weight can be adjusted by the bank according to the importance of different parameters.

In particular, in the present invention, the news filtering module further includes the following steps when filtering the searched news. Please refer to Figure 3. In step S122, the news is filtered using at least one keyword to exclude news that does not belong to the at least one electronic payment institution. For example, if you want to search for negative news of "jiekou payment", search for the keyword "jiekou" ", there will be many news that include "jiekou" including social news, financial news, etc. The news filter module will first exclude news that is not paid by the street, which is similar to defining the filter settings in the filter; then In step S124, compare the remaining ones to find similar news and merge them into a piece of news. It is judged that the keywords of the similar news include the title, content, date and time of the news, etc., because the same news is shared by all TV stations. It may be posted, and the chance of repetition is extremely high. Therefore, it is necessary to exclude duplicate news in this step. For example, if TVBS and Qimo News both post the same news, judge it to be similar news from the title and content, and the date and time are close. After fuzzy comparison, it is judged that it is the same piece of news, and it is merged into one piece; finally, in step S126, the final remaining news quantity is calculated, which is the quantity of the negative news. For example, originally using "Jiekou" to search for 100 negative news, after excluding non-Jiekou paid news, there are 30 remaining, and then from these 30 news, similar news is found and merged, and finally there are 8 remaining. This number is the parameter value of the number of negative news required by the present invention.

Figure 4 is a block diagram of another embodiment of the system for calculating the contribution degree of an electronic payment institution of the present invention. The system for calculating the contribution degree of an electronic payment institution further includes a first-level distance classification module 19, which is connected to the contribution calculation module 18, A first-level distance table 192 with a contribution value is preset in the level-distance classification module 19, and the contribution value calculated by the contribution degree calculation module 18 is matched with the level-distance table 192 to determine the contribution degree of the electronic payment institution The values fall in the levels in the level table 192, and different evaluations are given according to different levels to determine the cooperation mode with the electronic payment institution. For example, if the contribution value falls in the high-level range table 192, the cooperative marketing activities can be strengthened. If it falls in the middle level, the current cooperation model with the electronic payment institution will be maintained, and if the contribution value falls At the lower level of the level range table 192, it is necessary to consider whether to continue to cooperate with the electronic payment institution.

In summary, the system and method for calculating the contribution of electronic payment institutions provided by the present invention uses negative news of electronic payment institutions as one of the parameters for calculating their contribution to the bank, combined with other account applicants as agreed , The number of canceled applicants, the number of long-lived contacts, the market share of electronic payment institutions, fee income and other parameters can be calculated for each electronic payment institution’s contribution to the bank, and a first-level distance table can be set to evaluate the level of its contribution. For those with high contributions, you can increase cooperative marketing activities, and for those with low contributions, you can evaluate whether to continue cooperation in the future. In this way, in addition to the figures on the book, the number of negative news searched on the Internet can be used to contribute The calculation of the degree value is more accurate, which is more helpful for evaluating the cooperation mode with electronic payment institutions.

Only the above are only preferred embodiments of the present invention and are not used to limit the scope of implementation of the present invention. Therefore, all equivalent changes or modifications made in accordance with the characteristics and spirit of the application scope of the present invention should be included in the patent application scope of the present invention.

10: Bank server 12: Electronic payment institution information module 122: Information on electronic payment institutions 14: News search module 142: News 16: News filtering module 18: Contribution calculation module 19: Pitch classification module 192: Level Distance Table

Figure 1 is a block diagram of the system for calculating the contribution of electronic payment institutions according to the present invention. Figure 2 is a flowchart of the method for calculating the contribution of an electronic payment institution according to the present invention. Figure 3 is a flow chart of the news filtering module of the present invention filtering news. Figure 4 is a block diagram of another embodiment of the system for calculating the contribution degree of an electronic payment institution according to the present invention.

10: Bank server

12: Electronic payment institution information module

122: Information on electronic payment institutions

14: News search module

142: News

16: News filter module

18: Contribution calculation module

Claims (8)

A system for calculating the contribution degree of an electronic payment institution is set in a bank server, and includes: an electronic payment institution information module that stores plural information of at least one electronic payment institution cooperating with the bank server; and a news search module, Search for multiple news of the at least one electronic payment institution from the Internet; a news filtering module, connected to the news search module, and filter the news using at least one keyword to obtain a number of negative news; a calculation of contribution The module is connected to the electronic payment institution information module and the news filtering module, and based on the information of the at least one electronic payment institution and the number of negative news, calculates the A contribution degree value; and a first-level distance classification module, preset the first-level distance table of the contribution degree value, match the contribution degree value with the level distance table, and determine that the contribution degree value of the at least one electronic payment institution falls within The level in the level range table is used to determine the cooperation mode with the at least one electronic payment institution. The system for calculating the contribution of an electronic payment institution as described in claim 1, wherein the information of the electronic payment institution includes the number of persons applying for the agreed account, the fee income of applying for the agreed account, the market share of the electronic payment institution, and the cancellation of the agreement The number of account applicants, etc., where the agreed account number is the bank account number of the bank server. The system for calculating the contribution degree of an electronic payment institution as described in claim 1, wherein the news search module uses a network robot to automatically collect the news on the Internet. The system for calculating the contribution degree of an electronic payment institution as described in claim 1, wherein the at least one keyword is a negative keyword. A method for calculating the contribution degree of an electronic payment institution is applied to a bank server. The method includes the following steps: storing at least one electronic payment cooperating with the bank server in an electronic payment institution information module of the bank server Use a news search module to search for multiple news of the at least one electronic payment institution on the Internet; use a news filtering module to filter the news using keywords to obtain a number of negative news; The amount of the information and negative news of the at least one electronic payment institution is calculated using a contribution calculation module to calculate a contribution value of the at least one electronic payment institution to the bank server; and in the first-level classification module The first-level distance table with the contribution value is preset in the first-level distance table, the contribution degree value is matched with the level distance table, and the contribution value of the at least one electronic payment institution is judged to fall into the level in the level distance table to determine and The cooperation mode of the at least one electronic payment institution. The method for calculating the contribution of an electronic payment institution as described in claim 5, wherein the information of the electronic payment institution includes the number of persons applying for the agreed account, the fee income of applying for the agreed account, the market share of the electronic payment institution, and the cancellation of the agreement The number of account applicants, etc., where the agreed account number is the bank account number of the bank server. The method for calculating the contribution of an electronic payment institution as described in claim 5, wherein the news search module uses a network robot to automatically collect the news on the Internet. According to claim 5, the method for calculating the contribution degree of an electronic payment institution, wherein at least one keyword used by the news filtering module is a negative keyword, and the news filtering module further includes the following steps: using the news Filter at least one keyword to exclude news that does not belong to the at least one electronic payment institution; compare the remaining ones to find similar news and merge them into one piece of news, and judge that the keywords of similar news include the headlines of the news , Content, date and time, etc.; and calculate the final number of news remaining, that is, the number of negative news.

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