TWM635138U - Activity-based credit scoring device - Google Patents

Abstract

A credit scoring device based on activity behavior includes a facility database, a customer behavior database, a data collection module, a processing module, and a transmission module. The processing module is based on the credit scores of the service items of the living facilities in the first interactive message sent by the customer code, and calculates the corresponding customer credit rating of the customer code based on the weight distribution ratio of the living facilities, And send it to the client device through the sending module.

Description

Behavior-Based Credit Scoring Device

The present disclosure relates to a display processing device, and more particularly to an activity-based credit scoring device.

According to the survey of house purchase intentions, people care about the convenience around their homes. The needs of living facilities that buyers will consider include: proximity to living and consumption business districts, proximity to parks and green spaces, proximity to MRT/high-speed rail/stations, etc. House objects with good living facilities can increase the convenience of life for the occupants. Nowadays, with the popularity of the Internet, people are used to searching for the information they want online. For the supply of real estate objects, some real estate object providers will present photos, layouts and housing information of the objects on their websites. Some real estate object providers will use the map to present the living facilities such as school districts and hospitals around the object. When a customer sees an object of interest on the website, he will actively contact the real estate agent, and the agent will relatively assign a broker to serve.

However, in the past, the real estate industry never refused customers who came to consult. The lack of ratings for customers caused the brokers to be busy for a long time, but they met a customer who was not sincere, which increased the cost without benefit. .

In order to solve the problem of unclear credit status of customers, one purpose of this new disclosure is to provide a credit score based on activity behavior Devices and methods. A credit scoring device based on activity behavior includes a facility database, a customer behavior database, a data collection module, a processing module, and a transmission module. The processing module calculates a customer credit corresponding to the customer code based on the credit scores of the service items of the living facilities in the first interactive message sent by the customer code, and based on a weight distribution rate of the living facilities graded and sent to the client device through the delivery module.

10: Living facilities system

111, 112, 113, 114: living facilities

111A, 112A, 113A, 114A: actual distance

111P, 112P, 113P, 114P: service items

121: Additional living facilities

121A: Additional range of motion

121P: Additional service items

131: Recommended living facilities

131A: Actual distance

131P: Recommended service items

15: Customer Code

15P: Customer's frequent location

20: Display system

21: Data processing device

211:Facility database

212: Processing module

2121: Search component

2122: Map generator component

2123: Recommended components

213: Data collection module

22: Client device

221: display screen

26: Database group

28: Credit Scoring Device Based on Activity Behavior

31: Teleportation Module

91: user

D111, D112, D113, D114: information on living facilities

D111A, D112A, D113A, D114A: Activity Range Data Unit

D111A1, D112A1, D113A1, D114A1: Attribute terms

D111A2, D112A2, D113A2, D114A2: quantity string

D111A3, D112A3, D113A3, D114A3: Interactive Content Words

D111H, D112H, D113H, D114H: Facility category indicator

D111P, D112P, D113P, D114P: location information

D121: Information on additional living facilities

D121A: Additional Range of Activities Information Unit

D121A1: Additional Attribute Words

D121A2: Extra Quantity String

D121A3: Additional interactive content words

D121H: Additional Living Facilities Category Designator

D121P: Additional location information

D131: Information on recommended living facilities

D131A: Actual distance data unit

D131A1: Recommended Attribute Words

D131A2: Recommended Quantity String

D131A3: Suggest words for interactive content

D131H: Recommended Facility Category Indicator

D131P: Recommended location information

D15: Real estate information unit

D15H: Real estate category indicator

D15P: Real estate location information

D1A: Scope of Activities Information Unit

D5: Geographic information

D51: Icon data

D52: map data block

D53: The second map data block

D54: The third map data block

D55: The fourth map data block

D61: Living facilities attribute image data block

D62: Living facilities attribute image data block

DA1: Information on the first living facilities

DHA1, DHA2: living facility category indicator

DL1: active range value

EA1, EA2, EA3, EA4: Living facilities candidate category items

EL1, EL2, EL3, EL4: Candidate distance items

H111, H112, H113, H114: Facility category

HA1, HA2: category of living facilities

HB1: Additional Living Facilities Category

HC1: Recommended category of living facilities

HD1: Real estate category

K111, K112, K113, K114: icons

K121: Icons

KA2: Second icon

KA3: The third icon

KB3: Third icon

KA4: The fourth icon

L1: Activity range radius

M1: map

M111P, M112P, M113P, M114P: marked position

M121P: additional marking position

M131P: Recommended marking position

M15P: Real estate sign location

M2: Second Map

M3: Third Map

M4: Fourth map

M5: fifth map

MA1: The first marked position

MA2: Second marked position

MA3: The third marked position

MA4: The fourth marked position

MA5: The fifth marked position

MR1: specific map area

Q1: Optional icons

R1: range of activities

S11: The first interactive message

S12: Second interactive message

S13: The third interactive message

S14: The fourth interactive message

U1: screen

214: Customer Behavior Database

This disclosure can be understood more deeply through the detailed description of the following figures: FIG. 1 : A schematic diagram of a display system in various embodiments of the present disclosure.

Figure 2: A schematic diagram of a living facility system in various embodiments of the present disclosure.

FIG. 3: A schematic diagram of the structure of a facility database in FIG. 1.

Figure 4: Schematic illustration of a map in various embodiments of the present disclosure.

See pictures 1, 2 and 3. FIG. 1 is a schematic diagram of a display system 20 in various embodiments of the present disclosure. FIG. 2 is a schematic diagram of a living facility system 10 in various embodiments of the present disclosure. FIG. 3 is a schematic structural diagram of a facility database in a database group 26 in FIG. 1 . As shown in FIG. 1 , the display system 20 includes a data processing device 21 and a client device 22 coupled to the data processing device 21 . The data processing device 21 includes a facility database 211, a processing module 212 coupled to the data unit 211, and a processing module 212 coupled to the processing module 212 A data collection module 213 of. The facility database 211 includes the database group 26, and the database group 26 is further divided into a facility database and a customer behavior database. The client device 22 includes a display screen 221 . For example, there is a transmission module 31 between the data collection module 213 and the client device 22, and the transmission module 31 is coupled therebetween.

As shown in FIG. 2 , the living facility system 10 includes a plurality of living facilities 111 , 112 , 113 and 114 . For example, the living facility system 10 may further include at least one additional living facility 121 , a recommended living facility 131 and a customer code 15 . There are a plurality of interactive relationships 111A, 112A, 113A and 114A between the customer code 15 and the living facilities 111 , 112 , 113 , 114 respectively. The living facilities 111 , 112 , 113 , 114 respectively have a plurality of service items 111P, 112P, 113P and 114P. The additional living facility 121 has an additional activity range 121A and an additional service item 121P. The recommended living facility 131 has an actual distance 131A and a recommended service item 131P. The customer code 15 has a real estate customer frequent location 15P. The processing module 212 calculates an actual distance between the living facilities within the sent first request message and the customer's frequent location.

These living facilities 111, 112, 113, and 114 belong to a plurality of facility categories H111, H112, H113, and H114, respectively, and each of these facility categories H111, H112, H113, and H114 is a member of a plurality of living facility categories HA1 and HA2. one of them. The additional living facility 121 belongs to an additional living facility category HB1, which is different from any one of the living facility categories HA1 and HA2. The extra student The living facilities 121 belong to a recommended living facility category HC1. The customer code 15 belongs to a real estate category HD1.

For example, the living facility categories HA1 and HA2 are respectively a hospital category and a store category, and the additional living facility category HB1 is a restaurant category. For example, two living facilities 112 and 113 belong to the hospital category and the store category respectively, so the actual distance 112A of the living facility 112 and the actual distance 113A of the living facility 113 are 10 meters and 100 meters respectively.

In FIG. 1 , the data collection module 213 receives a first interaction message S11 or a second interaction message S12 from a user 91 . The first request message S11 includes the customer code and multiple service requests of the customer code, and the service requests are mainly for the living facilities 111, 112, 113 and 114. The service requests are mainly for the living facilities. Sent to obtain the service items provided by the living facilities 111, 112, 113 and 114, the second request message indicates the customer code and a second geographic location of the customer code.

For example, in order for the user 91 to order a meal, he will at least mention the relative living facilities, the service item (that is, the desired meal), the first interactive message S11 sent by him, The location of the customer. Among them, in the customer behavior database, the customer location mentioned in the first interactive message S11 of the corresponding customer code has a high repeatability, which is defined as the customer's frequent location.

To put it simply, in this case, the processing module 212 based on the service of the living facilities in the first interactive message sent by the customer code The credit score of the project, and based on the weight distribution rate of these living facilities, calculate the customer credit rating corresponding to the customer code. In this way, the broker or counterparty can judge whether to spend time in probing and contacting according to the customer credit rating corresponding to the customer code.

In order to be able to view the customer credit rating relative to the customer code, the processing module 212 is based on the customer credit rating relative to the customer code, so that the client device 22 displays the customer credit rating relative to the customer code by a predetermined display means. In the profile.

In order to achieve the above purpose, the system needs to establish an object database first, and each object data in the object database has an object index code and a plurality of object attributes to which the object index code belongs. Among them, the object attributes include the abbreviation, price, community name, address, floor, building registration area, land registration area, unit price per unit area, type, layout, age, parking space, seat orientation, elevator, etc. selected from the real estate object. , management fees, layout plans, and living functions.

The facility category database 211 stores multiple facility category data, each facility category data has a facility index code, and the facility; the multiple facility attributes to which the index code belongs, and each facility attribute is mainly based on a single object attribute or multiple defined by the object properties. Such facilities as hospitals, beverage stores, restaurants and so on.

The processing module 212 will use a weight calculation formula to obtain the service items of the living facilities in the first interactive message sent by the customer code, and obtain the living facilities that mainly affect them and their relative facility categories, and then according to the In the property of the facility of the facility category, a single object is Find out the multiple real estate information that matches each other according to the content defined by the nature or multiple object attributes, and generate a customer credit rating that includes a specific number of multiple real estate information.

In order to collect more information about user 91's activities, the system can also place a special device in a specific physical location, so that the existence of the device used by user 91 can be discovered, for example, it will be recorded once the WIFI signal of the mobile phone is detected , that is to say, the user 91 may also send the second interactive message S12 in a passive state. The second request message S12 indicates the client code and a second geographic location of the client code (that is, the location of the above-mentioned special device).

In some embodiments, the living facility system 10 further includes an activity range R1. The activity range R1 is centered on the customer code 15 and has an activity range radius L1 calculated from the customer code 15 as the center. The active range radius L1 indicates the active range R1 relative to the client code 15 .

In addition, an actual distance L between the customer code 15 and the living facilities 111 , 112 , 113 , and 114 can also be represented by the summed walking distance based on the distance information of streets and alleys.

As shown in Figures 1 and 3, the facility database in the database group 26 includes geographical information D5 and a plurality of living facility data D111, D112, D113 and D114 may further include at least one additional living facility data D121 representing the at least one additional living facility 121, may further include a recommended living facility data D131 representing the recommended living facility 131, and may further include A real estate data element D15 representing the customer code 15.

In Figure 3, the living facility data D111, D112, D113 and D114 respectively include the first plurality of location information D111P, D112P, D113P and D114P representing the service items 111P, 112P, 113P and 114P, respectively indicating the A plurality of facility category indicators D111H, D112H, D113H, and D114H of facility categories H111, H112, H113, and H114, and a plurality of activity range data units D111A, D112A, and D113A respectively representing the interaction relationships 111A, 112A, 113A, and 114A with D114A.

The additional living facility data D121 includes an additional location information D121P representing the additional service item 121P, an additional living facility category indicator D121H indicating the additional living facility category HB1, and an additional activity range data indicating the additional activity range 121A Unit D121A. The recommended living facility data D131 includes a recommended location information D131P representing the recommended service item 131P, a recommended facility category indicator D131H indicating the recommended living facility category HC1, and an actual distance data unit D131A indicating the actual distance 131A. The real estate data unit D15 includes a real estate location information D15P representing the frequent location 15P of the real estate customer, and a real estate category indicator D15H indicating the real estate category HD1.

As shown in Figures 2 and 3, the interaction relationships 111A, 112A, 113A, and 114A in Figure 2 are respectively represented by a plurality of attribute words D111A1, D112A1, D113A1, and D114A1, and are respectively formed with the These interactive relationships 111A, 112A, 113A, and 114A respectively correspond to a plurality of quantities, and respectively correspond to these interactive relationships 111A, 112A, Multiple interactive contents of 113A and 114A.

The customer behavior database in the database group 26, the customer behavior database is used to store a plurality of customer behavior data, each customer behavior data mainly includes the customer code, the customer's frequent location and the first request message S11 or the second request message S12, wherein the first request message S11 includes the customer code and a plurality of service demands of the customer code, and the service demand is mainly issued for the living facility, the second request message S12 indicates the customer code, and the A second geographic location of the customer code, and at the same time receive the credit score given by the living facilities to the customer code through the communication module, and store the credit score in the customer behavior database. The weight distribution rate of the living facilities is determined according to the interaction frequency between the living facilities and the customer code, and the higher the interaction frequency, the greater the influence of the living facility on the customer credit rating of the customer code.

The data collection module 213 receives the first interactive message S11 and the second interactive message S12 at different times, and sends the second map data block D53 and the third map data block D54 to the client at different times The device 22 transmits so that the client device 22 displays the second map M2 and the third map M3 on the display screen 221 at different times. For example, the data collection module 213 is coupled to the client device 22 via the transmission module 31 .

In some embodiments, the user 91 once sent an order record (i.e. the first request message) for the living facilities 111 and 114, and the user 91 once passed by a special device near the living facilities 112 and 113, and The existence of the device used by the user 91 (that is, the second request message) can be found, and through the above-mentioned geographical locations, the activity range R1 can be surrounded on the map. In other words, if the user 91 needs to buy a house in the future, if the object he is interested in falls within the activity range R1, the system will mark the user 91 as a local guest. However, the system can flexibly expand the range covered by the activity range R1, so that local customers can judge more accurately, because it may just happen that the behavior track information left by user 91 in the system is not enough, causing the system to Misjudgment. In contrast, if the object of interest of the user 91 falls within the activity range R1, the system will mark the user 91 as a non-resident.

Just, sometimes this user 91 just does it occasionally, runs to the area that he is not frequently active, and this processing module 212 first removes this first request message S11 that this customer code sends out this first request message S11 this living facilities. Only when the service item or the second geographic location in the second request message S12 exceeds a predetermined deviation value, can the relative activity range of the customer code be calculated. Relatively, if the amount of data is too small, the system may misjudge, and a threshold value needs to be set up. Therefore, the processing module 212 first confirms the number of the living facilities in the first request message S11 sent by the customer code. Only when the service item or the second geographic location in the second request message S12 exceeds a predetermined number can the relative activity range of the customer code be calculated.

In addition, the processing module 212 can display the relevant information of the living facilities that the user 91 has interacted with on the electronic map, and transmit the activity range and the second map to the customer through the transmission module 31 end device 22. Specifically, the processing module 212 will also screen out the The living facilities in the sent first request message, and then generate the second map data block representing a second map, wherein the second map presents plural numbers at the marked positions on the map A map of icons, and these icons respectively mark the living facilities.

Please refer to FIG. 4, the second interactive message S12 indicates that a second icon KA2 (such as icon K112) selected among the icons K111, K112, K113 and K114, the second icon KA2 is located in the first A first marked position MA1 (such as marked position M112P) in the map M2, and corresponds to a first living facility data DA1 (such as living facility data D112) in the living facility data D111, D112, D113 and D114 , and the second map M2 has a second marked position MA2 corresponding to the first marked position MA1.

The system can selectively display related information between the user 91 and the living facilities based on the user's selection. Please refer to FIG. 1, FIG. 3, and FIG. 4, the client device 22 is operated by the user 91 to generate interactive operations at a first time and a second time after the first time respectively, and at The interactive operation is transmitted to the data processing device 21 at different times. For example, the data processing device 21 can calculate an actual distance between the living facilities and the customer's frequent location. By receiving a user input from the user 91, when the second icon KA2 displayed on the display screen 221 is selected, the actual distance in the first living facility data DA1 is presented on the second icon KA2. Near the second icon KA2.

Many of the modifications and other embodiments of the present disclosure presented here will be understood by those skilled in the art to have the features presented in the above description and Benefits of Teaching Related Schemas. Therefore, it should be understood that the present disclosure is not limited to the disclosed specific embodiments, and modifications and other embodiments are intended to be included within the scope of the following claims.

20: Display system

21: Data processing device

211:Facility database

212: Processing module

2121: Search component

2122: Map generator component

2123: Recommended components

213: Data collection module

22: Client device

221: display screen

26: Database group

28: Credit Scoring Device Based on Activity Behavior

31: Teleportation Module

91: user

D111, D112, D113, D114: information on living facilities

D121: Information on additional living facilities

D131: Information on recommended living facilities

D15: Real estate information unit

D5: Geographic Information

D53: The second map data block

D54: The third map data block

D55: The fourth map data block

D61: Living facilities attribute image data block

D62: Living facilities attribute image data block

DA1: Information on the first living facilities

DHA1, DHA2: living facility category indicator

DL1: active range value

M2: Second Map

M3: Third Map

M4: Fourth map

M5: fifth map

S11: The first interactive message

S12: Second interactive message

S13: The third interactive message

S14: The fourth interactive message

U1: screen

Claims (6)

A credit scoring device based on activity behavior, used to transmit information to a client device, comprising: a facility database, the facility database includes geographic information, and a plurality of living facility data respectively representing a plurality of living facilities, These living facilities all have a service item, and these living facilities belong to one of a plurality of facility categories; a customer behavior database, which is used to store multiple pieces of customer behavior data, and each customer behavior data is mainly including a customer code, a first interactive message, and the service item and a credit score relative to the first interactive message, wherein the first interactive message includes the customer code and a plurality of service requirements of the customer code, The service demand is mainly issued for the living facility, so as to obtain the service item provided by the living facility; a data collection module, coupled with the customer behavior database, receives information from the client device through a communication module The first interaction message, and store the first interaction message in the customer behavior database, and at the same time receive the credit score given by the living facilities for the customer code through the communication module, and store the credit score To the customer behavior database; a processing module, coupled with the data collection module, the facility database, and the customer behavior database, based on the service of the living facilities in the first interactive message sent by the customer code The credit score of the project, and calculate a customer credit rating corresponding to the customer code based on a weight distribution rate of the living facilities; and A transmission module, coupled with the data collection module, the facility database, and the customer behavior database, is used to transmit the customer credit rating to the client device. The credit scoring device based on activity behavior as described in Claim 1, wherein the living facility data in the facility category library includes a plurality of facility attributes, and each facility attribute is mainly defined by a single facility attribute or multiple facility attributes , the facility attribute is related to the service item; wherein, the processing module finds out the plurality of object data that meet the conditions according to the content defined by a single facility attribute or multiple facility attributes in the facility attribute of the facility category, To calculate the customer credit rating relative to the customer code. The credit scoring device based on activity behavior as described in claim 1, wherein the processing module calculates an actual distance between the living facilities and a customer's frequent location within the sent first interactive message distance; wherein, when a second icon displayed on a display screen is selected, the actual distance is presented near a second icon. The credit scoring device based on activity behavior as described in claim 1, wherein the processing module first eliminates that the location of the living facilities in the first interactive message sent by the customer code exceeds a predetermined deviation value. An activity range surrounded by a plurality of living facilities corresponding to the customer code is calculated. The credit scoring device based on activity behavior as described in claim 1, wherein The processing module enables the client device to display the customer credit rating in a personal profile corresponding to the customer code by a predetermined display means according to the customer credit rating relative to the customer code. The credit scoring device based on activity behavior as described in claim item 1, wherein the weight distribution rate of these living facilities is determined according to an interaction frequency between these living facilities and the customer code, the higher the interaction frequency The living facilities have a greater impact on the customer credit rating of the customer code.

Images