WO2019061612A1 - Loan product promotion method and apparatus, and computer-readable storage medium - Google Patents

Abstract

The present invention relates to a loan product promotion method and apparatus and a computer readable information carrier. The method includes: acquiring product attributes of a loan product, and storing the product attributes in a predefined product database as elements of the predefined product database; acquiring basic client information from a loan application endpoint, mapping basic information to items in the predefined product database, and acquiring a match result ; and recommending a loan product to the client based on the matching result. According to the solution, a product database storing a plurality of elements is predefined, and the plurality of elements are compatible with product attributes of a plurality of loan products. When a new loan product is launched, product attributes of the loan product are stored in the predefined product database as part of it, and the loan product is recommended according to the implementation result. correspondence of basic information about the customer and the predefined product database. Developing a system for each loan product to favor the loan is avoided, development costs are reduced, and promotion is shipped.

Description

 Loan product promotion method, device and computer readable storage medium

This application claims the priority of the Chinese Patent Application filed on Sep. 29, 2017, the Chinese Patent Application No. PCT Application No. PCT Application No. Combined in the application.

Technical field

The present application relates to the field of loan technology, and in particular, to a loan product promotion method, apparatus, and computer readable storage medium.

Background technique

At present, the financial products launched by financial institutions in the market are endless, such as car loans, mortgages, decoration loans, consumer loans and so on. Corresponding to each loan product, it is necessary to develop corresponding system support promotion. The development of the system not only increases the manpower and material resources of the enterprise, but also affects the time when the loan product is introduced to the market. This type of promotion of different systems for different loan products is less flexible, costly, and has a low loan conversion rate.

Summary of the invention

The main purpose of the present application is to provide a loan product promotion method, device, and computer readable storage medium, which aim to solve the problem that the loan product promotion method is inflexible and high in the prior art.

To achieve the above objective, the present application provides a loan product promotion method, and the loan product promotion method includes the following steps:

Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database;

Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result;

The loan product is recommended to the customer based on the matching result.

Preferably, the step of recommending the loan product to the customer according to the matching result comprises:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, the historical information corresponding to the loan record is obtained;

The loan product is recommended to the customer based on the historical information and the matching result.

Preferably, the step of recommending the loan product to the customer according to the historical information and the matching result comprises:

Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element;

Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance.

Preferably, the step of determining whether the customer has a loan record according to the basic information of the customer comprises:

When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained;

Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product;

The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.

Preferably, the step of recommending the target loan product to a customer comprises:

Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end.

Preferably, the step of storing the product attribute in an preset product database as an element of a preset product database comprises:

Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database;

When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded;

When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database.

Preferably, the step of obtaining the product attribute of the loan product comprises:

Establish a preset product database;

Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database.

Preferably, the step of acquiring the reference attribute of each existing loan product and storing the reference attribute to the preset product database comprises:

Determining whether there are duplicate reference attributes in the preset product database;

When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.

In addition, in order to achieve the above object, the present application further provides a loan product promotion device, where the loan product promotion device includes: a memory, a processor, a communication bus, and a loan product promotion program stored on the memory;

The communication bus is used to implement connection communication between a processor and a memory;

The processor is configured to execute the loan product promotion program to implement the following steps:

Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database;

Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result;

The loan product is recommended to the customer based on the matching result.

Moreover, to achieve the above object, the present application also provides a computer readable storage medium storing one or more programs, the one or more programs being configurable by one or more processors Execute for:

Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database;

Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result;

The loan product is recommended to the customer based on the matching result.

The loan product promotion method, device and computer readable storage medium of the embodiment, by pre-setting the product database, the obtained product attributes representing the characteristics of the loan product are taken as elements in the preset product database; In the information, the basic information of the customer is matched with each element in the preset product database, and then the recommended loan product is determined according to the matching result. The preset product database stores a plurality of elements, and the product attributes of the plurality of elements and the plurality of loan products are the same. When a new loan product is launched, the product attribute of the loan product is stored in the preset product database. As an element, the recommendation of the loan product can be made based on the obtained customer basic information and the matching result in the preset product database. Avoid the promotion of corresponding systems for each loan product development, reduce development costs, and accelerate the progress of promotion.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a loan product promotion method of the present application;

2 is a schematic flow chart of a second embodiment of a loan product promotion method according to the present application;

FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The application provides a method for promoting a loan product.

Please refer to FIG. 1. FIG. 1 is a schematic flowchart diagram of a first embodiment of a loan product promotion method according to the present application. In this embodiment, the loan product promotion method includes:

Step S10: Obtain a product attribute of the loan product, and store the product attribute in an preset product database as an element of a preset product database;

At present, in order to meet the needs of the masses, there are endless stream of loan products on the market, such as Ping An Hui Hui's easy to wait, car owner loan, excellent mortgage, home e-loan and so on. In this embodiment, in order to realize the promotion of different loan products, a product database, that is, a preset product database, is preset in advance, and the preset product database stores a plurality of elements, and the plurality of elements correspond to the product attributes of the loan product. Understandably, when a loan product is launched, the basic information suitable for the customer's age, region, and product use is determined. In addition, the loan product may also have cross-cutting attributes, and the cross-attribution indicates that different loan products have mutually supportive application conditions. If the customer applies for a home loan, then it may meet the application conditions for the renovation loan at the same time, and can make cross-references; or if there are insurance policies such as life insurance and auto insurance, you can apply for other loans and other attributes. Such basic information and cross-cutting attributes are product attributes. Different loan products have different product attributes, and the product attributes of each loan product are used as elements in the preset product database, and the elements in the preset product database can be set by artificially according to actual needs, so that the preset product database is made. The elements in it are more comprehensive. When a new loan product is launched, in order to facilitate sales, the product promoter or developer inputs the product attribute of the loan product into the product system, uploads it to the server through the product system, and obtains the product attribute of the loan product from the server, and The acquired product attributes are stored in the preset product database as elements of the preset product database. Different combinations of elements may correspond to different product attributes, and different product attributes represent different loan products. For example, the elements in the preset product database include: {a1, a2, a3, b1, b2, c1}, where the elements {a1, a2, c1} represent the product attributes of the loan product A; the elements {b1, b2, c1} represent The product attribute of the loan product B; the elements {a1, b1, c1} represent the product attributes of the loan product C. When the product attribute of the loan product matches the elements a1, b1, and c1 in the preset product database, the loan product is the loan product C. The steps in which the product attributes are stored in the preset product database as elements of the preset product database include:

Step S11, comparing the product attributes and the elements in the preset product database one by one, and determining whether there is a corresponding element in the preset product database and the product attribute;

Step S12, when there is an element corresponding to the product attribute in the preset product database, the product attribute is removed;

In step S13, when there is no corresponding element of the product attribute in the preset product database, the product attribute is stored as a new element update in the preset product database.

Further, after obtaining the product attribute of the loan product, the product attribute and the element in the preset product database are matched one by one to determine whether there is an element corresponding to the product attribute. Considering that there are multiple product attributes of the loan product, when judging whether there is an element corresponding to the product attribute, it is necessary to determine whether there is an element corresponding to the plurality of product attributes. When all the product attributes of the loan product have corresponding elements in the preset product database, it means that the product attributes of the loan product already exist in the preset product database, and it is not necessary to add the same element, thereby the existing product attributes. delete. When all the product attributes of the loan product do not have corresponding elements in the preset product database or only some corresponding elements exist, it means that there is no corresponding product attribute in the default product database in the loan product, or only some product attributes, thereby The product attributes that do not exist in the preset product database are added to the default production database as their new elements to update the preset product database, and the product attributes of the new loan products formed in the preset product database are promoted to the customer.

Step S20, obtaining basic information of the client of the loan application end, matching the basic information with each element in the preset product database, and obtaining a matching result;

Further, when the loan product is promoted, the basic information of the customer is obtained through the loan application end, and the loan application end is a smart terminal for the customer to input basic information when purchasing the credit product and purchasing the insurance product, which may be a mobile phone. Or a tablet, there is no limit to this. According to the basic information of the customer, it is judged whether the customer satisfies the application condition of the loan product, specifically, the basic information of the customer is matched with each element in the preset product database, and the matching result is determined. Because the elements in the preset product database represent the product attribute set of each loan product, the essence is to match the basic information of the customer with the product attributes of each loan product, and the loan product that the customer can apply can be determined according to the matching result. The basic information of the customer includes the date of birth, the current city of residence, whether it is a local account, and whether there is a credit record. Understandably, the customer may be an old customer who has applied for a loan or a credit card before, and the previous application requires customer information, so that the basic information of the customer can be judged by judging whether the customer is an old customer, and when judging that the customer is When the old customer, the previous processing record is extracted to obtain the basic information of the customer; when it is judged that the customer is a new customer, the basic information of the customer can be input through the customer's personnel, thereby obtaining the basic information of the customer.

Step S30, recommending a loan product to the customer according to the matching result.

Understandably, the elements in the preset product database are collections of product attributes of a plurality of loan products, and different elements of the preset product database are combined to determine different loan products. Therefore, when the basic information of the customer is matched with the elements in the preset product database, the matching result does not necessarily match the product attribute of a certain loan product, and may be consistent with the product attributes of the various loan products, or with the loan product. Some of the product attributes are consistent. When it is consistent with the product attributes of various loan products, the various loan products can be recommended to the customer for selection; when the product attributes of the loan product are consistent, the product attributes are the highest. The loan product is recommended to the customer to increase the success rate of the customer's application for the loan.

The loan product promotion method of the present application includes: obtaining a product attribute of the loan product, and storing the product attribute in an preset product database as an element of a preset product database; acquiring basic information of the loan application client, and the basic information The information is matched with each element in the preset product database, and the matching result is obtained; the loan product is recommended to the customer according to the matching result. By setting a product database in advance, the product attribute of the obtained loan product characteristic is taken as an element in the preset product database; thus, when the basic information of the customer is obtained, the basic information of the customer and the preset product database are obtained. Each element is matched, and then it is determined according to the matching result that the customer loan product is recommended. The preset product database stores a plurality of elements, and the product attributes of the plurality of elements and the plurality of loan products are consistent. When a new loan product is launched, the product attribute of the loan product is stored in the preset product database. As an element, the recommendation of the loan product can be made based on the obtained customer basic information and the matching result in the preset product database. Avoid the promotion of corresponding systems for each loan product development, reduce development costs, and accelerate the progress of promotion.

Further, in another embodiment of the loan product promotion method of the present application, the step S30, according to the matching result, recommending the loan product to the customer includes:

Step S31, determining whether the customer has a loan record according to the basic information of the customer;

Step S32, when the customer has a loan record, acquiring historical information corresponding to the loan record;

Step S33, recommending the loan product to the customer according to the historical information and the matching result.

Further, considering that the customer may be an old customer who has successfully processed the loan product before, the historical information of the loan product handled by the customer can reflect the customer's demand, so that when the loan product is recommended to the customer, the historical information reflecting the customer's demand can be combined with the customer. , recommend to customers. Because no matter what kind of loan product the customer handles, the customer's personal basic information is required, so that the customer's basic information can be used to judge whether the customer has the loan record. When the loan record is recorded, the customer is the old customer who successfully processed the loan product. . When the customer's basic information is used to judge that the customer is an old customer who has successfully processed the loan product, the historical information corresponding to the loan record when the customer handles the loan product is obtained, and the historical information is used to determine the customer's demand. Specifically, the customer information such as the customer's age, income, social security information, etc. in the customer loan record is obtained, and according to the customer information, the loan product with the qualification applied for is determined, and the loan product most likely to be demanded is inferred according to the historical loan product. . For example, when the historical information shows that the customer has handled the purchase loan, according to the customer information in the purchase loan, it is determined that the loan product that can be applied for has a car loan and a special loan. Since the loan record is a home loan, it can be inferred that it may need further Handling renovation loans. In turn, according to the historical information and matching results reflecting the customer's needs, the customer is recommended to the loan product more suitable for its needs. In addition, it can be understood that not all the customers have successfully processed the loan product before, so according to the basic information of the customer, the step S31 of the embodiment determines whether the customer has the loan record and includes:

Step S34, when the customer does not have a loan record, obtain an element in the preset product database that matches the basic information;

Step S35, determining a loan product with the highest similarity to the matched element, wherein the more product attributes in the loan product that are the same as the matched elements, the higher the similarity between the matched elements and the loan product;

Step S36, determining the loan product with the highest similarity as the target loan product, and recommending the target loan product to the customer.

When it is determined that the customer does not have a loan record, the customer is a new customer who has not successfully processed the loan product before, and obtains an element matching the basic information from the preset product database, and determines the target loan product according to the matched element, and This target loan product is recommended to the customer. Understandably, different loan products have different product attributes, which are characterized by different numbers of elements in a preset product database, such as n1, n2, n3, m1 and m2 included in the preset product database. The product attributes of the loan product N1 are n1, n2, n3, m1; the product attributes of the loan product N2 are n1, n2, m1, m2; the product attributes of the loan product N3 are n2, n3, m1; judged by the basic information of the customer When it is a new customer, and the basic information is matched with the elements in the preset product database, the matching result is matched with the elements n1, n2 and n3. The greater the number of product attributes in the loan product that are the same as the matching elements, the higher the similarity between the matched elements and the loan product, and the same product attributes of the loan products N1, N2, and N3 as the matching elements. The number is 3, 2 and 2, all of which are partially matched, but the same as the product attribute of N1, the N1 is determined as the loan product with the highest similarity, and it is recommended as the target loan product to the customer. Exceptionally, if the matching result in the above embodiment is matched with the elements n1, n2, n3, and m2, the basic information of the customer and the similarity of the loan products N1 and N2 are juxtaposed first, thereby determining the target loan product according to the similarity. N1 and N2 recommend N1 and N2 to the customer for selection to make the recommendation more accurate. Understandably, when the loan product matching the customer basic information is recommended to the customer, the customer does not fully understand the information of the loan product, and the steps of recommending the target loan product to the customer include:

Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end.

Further, considering that only the target loan product is recommended to the customer, the customer may need to go through a complicated process when he wants to have a deep understanding of the target loan product information, resulting in poor customer experience and easy customer loss. Therefore, in order to better serve the customer, after determining the target loan product according to the matched elements, it is also necessary to determine the customer service personnel information corresponding to the target loan product, the customer personnel information including the customer's telephone number, name and the like, and the target The loan product and the corresponding customer information are recommended to the loan application end display. When the customer needs it, the customer can contact the customer to consult the target loan product to meet the different needs of the customer.

Further, in another embodiment of the loan product promotion method of the present application, the step S33 of recommending the loan product to the client according to the historical information and the matching result includes:

Step S331, acquiring an element that matches the basic information, and determining a matching loan product according to the matched element;

Step S332, determining the relevance of the matching loan product and the historical information, and recommending the loan product to the customer according to the relevance.

Further, when it is judged that the customer is a customer who has successfully processed the loan product, the loan product needs to be recommended to the customer in combination with the historical information of the loan product and the matching result. First, an element matching the basic information of the customer is obtained, a matching loan product is determined according to the matched element, and secondly, the relevance of the matching loan product to the historical information is determined, and the loan product recommended to the customer is determined according to the correlation degree. Specifically, when the basic information of the customer is consistent with the product attributes of the plurality of loan products, that is, when the plurality of matching loan products can be determined according to the matching result of the basic information of the customer and the elements in the preset product database, determining the plurality of matching loans The relevance of the product to the historical information of the loan product is the loan product recommended by the customer with the most relevant matching loan product. For example, the historical information indicates that the loan product handled by the customer is a home purchase loan, and the plurality of matching loan products determined include a car loan, an education loan, a decoration loan, etc., so that the decoration loan is regarded as the most relevant according to the correlation of the purchase loan. Match loan products as loan products recommended to customers. When the customer's basic information is only consistent with the product attributes of a loan product, that is, when the matching loan product is determined according to the matching result of the customer's basic information and the elements in the preset product database, the matching loan product and the loan product are determined. Historical information relevance. When the matching loan product is not related to the historical information of the loan product, the loan product corresponding to the historical information of the loan product is determined, and the loan product corresponding to the loan product and the historical information is used as the loan product recommended to the customer. When the matching loan product is related to the historical information of the loan product, the matching loan product is directly used as the loan product recommended to the customer. In this embodiment, the recommendation method combining the history information and the matching result can make the recommendation more accurate.

Further, referring to FIG. 2, based on the first embodiment of the loan product promotion method of the present application, a second embodiment of the loan product promotion method of the present application is proposed. In this embodiment, the step S10 acquires the product attribute of the loan product. Before the steps include:

Step S40, establishing a preset product database;

Step S50: Obtain reference attributes of each existing loan product, and store the reference attributes into a preset product database, where the reference attributes are used as elements of a preset product database.

Further, in order to match the acquired customer basic information with the elements in the preset product database, it is necessary to establish a product database in advance, and the product database stores a reference attribute as its element. The reference attribute is derived from the existing loan product, which is used to represent the customer group, cross attribute, etc. currently applicable to the existing loan product, so as to match the customer's basic loan information by matching the reference attribute with the obtained customer basic information. product. Specifically, a preset product database for organizing, storing, and managing data is created by writing code, obtaining reference attributes of each existing loan product, and storing the obtained reference attributes into a preset product database. Form the elements of the preset product database, and use different combinations of elements to characterize different loan products. After obtaining the basic information of the customer, it is matched with the elements in the preset product database to determine the corresponding loan product for recommendation. Considering that the loan product is represented by the combination of elements in the preset product database, the element can be set to be unique, and the repeated elements are deleted to save the storage space of the preset product database, and the repeated comparison is avoided, and the search matching speed is accelerated. The step of storing the reference attribute to the preset product database then includes:

Step S60: determining whether there is a duplicate reference attribute in the preset product database;

Step S70: When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.

Further, in order to ensure the uniqueness of the elements in the preset product database, after the reference attributes are stored in the preset product database, it is determined whether there is a duplicate reference attribute in the preset product database, and when there is a duplicate reference attribute, This duplicate reference attribute is removed from the preset product database. The step of determining whether there is a duplicate reference attribute may also determine whether the reference attribute already exists in the preset product database before storing the reference attribute in the preset product database, and storing the reference attribute in the preset product database when it is stored. The product database is preset to ensure the uniqueness of the elements in the preset product database to avoid duplicate matching and improve the efficiency of matching comparison when matching the basic information with the elements in the preset product database.

It should be noted that those skilled in the art can understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable state. In the storage medium, the above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

Referring to FIG. 3, FIG. 3 is a schematic structural diagram of a device in a hardware operating environment involved in a method according to an embodiment of the present application.

The loan product promotion device in the embodiment of the present application may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compression standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.

As shown in FIG. 3, the loan product promotion device may include a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used to implement connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.

Optionally, the loan product promotion device may further include a user interface, a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more. The user interface may include a display, an input unit such as a keyboard, and the optional user interface may also include a standard wired interface, a wireless interface. The network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).

It will be understood by those skilled in the art that the structure of the loan product promotion device shown in FIG. 3 does not constitute a limitation on the loan product promotion device, and may include more or less components than the illustration, or combine some components, or different. Parts layout.

As shown in FIG. 3, an operating system, a network communication module, and a loan product promotion program may be included in the memory 1005 as a computer storage medium. The operating system is a program that manages and controls the hardware and software resources of the loan product promotion device, and supports the operation of the loan product promotion program and other software and/or programs. The network communication module is used to enable communication between components within the memory 1005 and to communicate with other hardware and software in the loan product promotion device.

In the loan product promotion device shown in FIG. 3, the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:

Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database;

Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result;

The loan product is recommended to the customer based on the matching result.

Further, the step of recommending the loan product to the client according to the matching result includes:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, the historical information corresponding to the loan record is obtained;

The loan product is recommended to the customer based on the historical information and the matching result.

Further, the step of recommending the loan product to the client according to the historical information and the matching result includes:

Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element;

Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance.

Further, after the step of determining whether the customer has the loan record according to the basic information of the customer, the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:

When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained;

Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product;

The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.

Further, the step of recommending the target loan product to a customer includes:

Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end.

Further, the step of storing the product attribute in the preset product database as an element of the preset product database includes:

Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database;

When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded;

When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database.

Further, before the step of acquiring the product attribute of the loan product, the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps:

Establish a preset product database;

Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database.

Further, after the step of acquiring the reference attribute of each existing loan product and storing the reference attribute to the preset product database, the processor 1001 is configured to execute the loan product promotion program stored in the memory 1005, and implement the following steps. :

Determining whether there are duplicate reference attributes in the preset product database;

When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.

The specific implementation manners of the loan product promotion device of the present application are basically the same as the embodiments of the above-mentioned loan product promotion method, and are not described herein again.

The application provides a computer readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for:

Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database;

Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result;

The loan product is recommended to the customer based on the matching result.

Further, the step of recommending the loan product to the client according to the matching result includes:

Judging whether the customer has a loan record based on the customer's basic information;

When the customer has a loan record, the historical information corresponding to the loan record is obtained;

The loan product is recommended to the customer based on the historical information and the matching result.

Further, the step of recommending the loan product to the client according to the historical information and the matching result includes:

Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element;

Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance.

Further, after the step of determining whether the customer has a loan record according to the basic information of the customer, the one or more programs may be executed by one or more processors for:

When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained;

Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product;

The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer.

Further, the step of recommending the target loan product to a customer includes:

Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end.

Further, the step of storing the product attribute in the preset product database as an element of the preset product database includes:

Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database;

When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded;

When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database.

Further, before the step of obtaining the product attribute of the loan product, the one or more programs may be executed by one or more processors for:

Establish a preset product database;

Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database.

Further, after the step of acquiring reference attributes of each existing loan product and storing the reference attributes to a preset product database, the one or more programs may also be executed by one or more processors. Used for:

Determining whether there are duplicate reference attributes in the preset product database;

When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.

The specific embodiment of the computer readable storage medium of the present application is substantially the same as the embodiment of the foregoing loan product promotion method, and details are not described herein again.

It is also to be understood that the term "comprises", "comprising", or any other variants thereof is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device that comprises a And also includes other elements not explicitly listed, or elements that are inherent to such a process, method, item, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various embodiments of the present application.

The above description is only a preferred embodiment of the present application, and is not intended to limit the scope of the patents of the present application, and the equivalent structural transformations made by the contents of the specification and the drawings of the present application, or directly/indirectly Other related technical fields are included in the patent protection scope of the present application.

Claims (24)

 A loan product promotion method, characterized in that the loan product promotion method comprises the following steps: Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database; Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result; The loan product is recommended to the customer based on the matching result. The loan product promotion method according to claim 1, wherein the step of recommending the loan product to the customer according to the matching result comprises: Judging whether the customer has a loan record based on the customer's basic information; When the customer has a loan record, the historical information corresponding to the loan record is obtained; The loan product is recommended to the customer based on the historical information and the matching result. The loan product promotion method according to claim 2, wherein the step of recommending the loan product to the client according to the historical information and the matching result comprises: Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element; Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance. The loan product promotion method according to claim 2, wherein the step of determining whether the customer has a loan record according to the basic information of the customer comprises: When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained; Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product; The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer. The loan product promotion method according to claim 4, wherein the step of recommending the target loan product to a customer comprises: Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end. The loan product promotion method according to claim 1, wherein the step of storing the product attribute in an preset product database as an element of a preset product database comprises: Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database; When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded; When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database. The loan product promotion method according to claim 1, wherein the step of obtaining the product attribute of the loan product comprises: Establish a preset product database; Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database. The loan product promotion method according to claim 7, wherein the step of acquiring the reference attribute of each existing loan product and storing the reference attribute to the preset product database comprises: Determining whether there are duplicate reference attributes in the preset product database; When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database. A loan product promotion device, characterized in that: the loan product promotion device comprises: a memory, a processor, a communication bus, and a loan product promotion program stored on the memory; The communication bus is used to implement connection communication between a processor and a memory; The processor is configured to execute the loan product promotion program to implement the following steps: Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database; Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result; The loan product is recommended to the customer based on the matching result. The loan product promotion apparatus according to claim 9, wherein said step of recommending a loan product to a customer based on said matching result comprises: Judging whether the customer has a loan record based on the customer's basic information; When the customer has a loan record, the historical information corresponding to the loan record is obtained; The loan product is recommended to the customer based on the historical information and the matching result. The loan product promotion apparatus according to claim 10, wherein the step of recommending the loan product to the customer based on the history information and the matching result comprises: Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element; Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance. The loan product promotion apparatus according to claim 10, wherein said processor is configured to execute said loan product promotion program after said step of determining whether said customer has a loan record based on basic information of the customer, to realize the following step: When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained; Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product; The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer. The loan product promotion apparatus according to claim 12, wherein said step of recommending said target loan product to a customer comprises: Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end. The loan product promotion apparatus according to claim 9, wherein the step of storing the product attribute in an preset product database as an element of a preset product database comprises: Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database; When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded; When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database. The loan product promotion apparatus according to claim 9, wherein said processor is configured to execute said loan product promotion program to perform the following steps before said step of obtaining a product attribute of the loan product: Establish a preset product database; Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database. The loan product promotion apparatus according to claim 15, wherein said processor is configured to execute after said step of acquiring reference attributes of respective existing loan products and storing said reference attributes in a preset product database The loan product promotion process to achieve the following steps: Determining whether there are duplicate reference attributes in the preset product database; When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database. A computer readable storage medium, characterized in that the computer reading storage medium stores a loan product promotion program, and the loan product promotion program is executed by a processor to implement the following steps: Obtaining product attributes of the loan product, and storing the product attributes in an preset product database as an element of a preset product database; Obtain basic information of the client of the loan application end, match the basic information with each element in the preset product database, and obtain a matching result; The loan product is recommended to the customer based on the matching result. The computer readable storage medium according to claim 17, wherein said step of recommending a loan product to a client based on said matching result comprises: Judging whether the customer has a loan record based on the customer's basic information; When the customer has a loan record, the historical information corresponding to the loan record is obtained; The loan product is recommended to the customer based on the historical information and the matching result. The computer readable storage medium of claim 18, wherein the step of recommending a loan product to a customer based on the historical information and the matching result comprises: Obtaining an element that matches the basic information, and determining a matching loan product based on the matched element; Determine the relevance of the matching loan product to the historical information, and recommend the loan product to the customer based on the relevance. The computer readable storage medium according to claim 18, wherein said step of determining whether the customer has a loan record based on the basic information of the customer, said loan product promotion program being executed by said processor to implement the following steps : When the customer does not have a loan record, the element in the preset product database that matches the basic information is obtained; Determining the loan product with the highest similarity to the matched element, wherein the more the number of product attributes in the loan product that are the same as the matched element, the higher the similarity between the matched element and the loan product; The loan product with the highest similarity is determined as a target loan product, and the target loan product is recommended to the customer. The computer readable storage medium of claim 20, wherein the step of recommending the target loan product to a customer comprises: Determining customer service personnel information corresponding to the target loan product, and recommending the target loan product and customer service personnel information to the loan application end. The computer readable storage medium of claim 17, wherein the step of storing the product attribute in a preset product database as an element of a preset product database comprises: Comparing the product attributes and the elements in the preset product database one by one, and determining whether there is an element corresponding to the product attribute in the preset product database; When there is an element corresponding to the product attribute in the preset product database, the product attribute is excluded; When the corresponding element of the product attribute does not exist in the preset product database, the product attribute is stored as a new element update in the preset product database. The computer readable storage medium of claim 17 wherein said step of obtaining a product attribute of the loan product is performed by said processor to perform the following steps: Establish a preset product database; Obtaining reference attributes of each existing loan product, and storing the reference attributes to a preset product database, wherein the reference attributes are elements of a preset product database. The computer readable storage medium according to claim 23, wherein said loan product promotion is performed after said step of acquiring reference attributes of respective existing loan products and storing said reference attributes in a preset product database The program is executed by the processor to implement the following steps: Determining whether there are duplicate reference attributes in the preset product database; When there are duplicate reference attributes in the preset product database, the repeated reference attributes are excluded from the preset product database.