CN107729443A - Loan product promotion method, device and computer-readable recording medium - Google Patents
Loan product promotion method, device and computer-readable recording medium Download PDFInfo
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- CN107729443A CN107729443A CN201710917000.1A CN201710917000A CN107729443A CN 107729443 A CN107729443 A CN 107729443A CN 201710917000 A CN201710917000 A CN 201710917000A CN 107729443 A CN107729443 A CN 107729443A
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Abstract
The present invention discloses a kind of loan product promotion method, device and computer-readable recording medium, and methods described includes：The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as the element of pre-set product database；The essential information of loan application end client is obtained, the essential information is matched with each element in pre-set product database, and obtain matching result；According to the matching result to lead referral loan product.This programme stores the product database of multiple elements by pre-setting, multiple elements are consistent with the product attribute of a variety of loan products, when releasing new loan product, the product attribute of this loan product is stored into pre-set product database as its element, according to the matching result in client's essential information and pre-set product database, the recommendation of loan product is carried out.Avoid being directed to and promoted per money loan product exploitation correspondence system, reduce development cost, accelerate the progress of popularization.
Description
Technical field
The invention mainly relates to loan technical field, specifically, it is related to a kind of loan product promotion method, device and meter
Calculation machine readable storage medium storing program for executing.
Background technology
At present, the loan product that in the market financial institution releases is emerged in an endless stream, and such as car loan, housing loan, finishing is borrowed, consumption is borrowed
Deng.Support to promote, it is necessary to develop corresponding system corresponding to every kind of loan product, the exploitation of system not only adds the people of enterprise
Power, material resources, the time that loan product is introduced to the market can be also have impact on because of the construction cycle.It is this kind of to be opened for different loan products
The mode very flexible that hair different system is promoted, cost is high, and loan conversion ratio is low.
The content of the invention
The main object of the present invention is to provide a kind of loan product promotion method, device and computer-readable recording medium,
Aim to solve the problem that the problem of loan product way of promotion is dumb, cost is high in the prior art.
To achieve the above object, the present invention provides a kind of loan product promotion method, the loan product promotion method bag
Include following steps：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as default
The element of product database；
The essential information of loan application end client is obtained, the essential information and each element in pre-set product database are entered
Row matching, and obtain matching result；
According to the matching result to lead referral loan product.
Preferably, it is described to be included according to the matching result to the step of lead referral loan product：
According to the essential information of client, judge whether client has loan documentation；
When client has loan documentation, then the historical information corresponding to the loan documentation is obtained；
According to the historical information and matching result to lead referral loan product.
Preferably, it is described to be included according to historical information and matching result to the step of lead referral loan product：
The element matched with essential information is obtained, and matching loan product is determined according to the element of the matching；
It is determined that the degree of correlation of matching loan product and historical information, according to the degree of correlation to lead referral loan product.
Preferably, the essential information according to client, judges client includes after whether having the step of loan documentation：
When client does not have loan documentation, then the element matched in pre-set product database with essential information is obtained；
It is determined that the element similarity highest loan product with the matching, wherein in loan product with the element phase of matching
Same product attribute quantity is more, and the element of matching and the similarity of loan product are higher；
The similarity highest loan product is defined as target loan product, and the target loan product is recommended
To client.
Preferably, the described the step of target loan product is recommended into client, includes：
It is determined that contact staff's information corresponding with the target loan product, and by the target loan product and customer service
Personal information recommends loan application end.
Preferably, it is described to store the product attribute into pre-set product database as the member of pre-set product database
The step of element includes：
Element in product attribute and pre-set product database is compared one by one, and judge in pre-set product database whether
In the presence of with product attribute corresponding element；
When existing in pre-set product database with product attribute corresponding element, the product attribute is rejected；
When being not present in pre-set product database with product attribute corresponding element, using the product attribute as new element
Renewal storage is into pre-set product database.
Preferably, include before the step of product attribute of the acquisition loan product：
Establish pre-set product database；
The reference attribute of each existing loan product is obtained, and is stored described with reference to attribute to pre-set product database,
It is wherein described with reference to element of the attribute as pre-set product database.
Preferably, the reference attribute for obtaining each existing loan product, and stored described with reference to attribute to default
Include after the step of product database：
Judge in pre-set product database with the presence or absence of the reference attribute repeated；
When the reference attribute repeated in pre-set product database be present, by the reference attribute of the repetition from pre-set product
Database is rejected.
In addition, to achieve the above object, the present invention also proposes that a kind of loan product promotes device, and the loan product is promoted
Device includes：Memory, processor, communication bus and the loan product promotion program being stored on the memory；
The communication bus is used to realize the connection communication between processor and memory；
The processor is used to perform the loan product promotion program, to realize following steps：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as default
The element of product database；
The essential information of loan application end client is obtained, the essential information and each element in pre-set product database are entered
Row matching, and obtain matching result；
According to the matching result to lead referral loan product.
In addition, to achieve the above object, the present invention also provides a kind of computer-readable recording medium, described computer-readable
Storage medium is stored with one or more than one program, one either more than one program can by one or one with
On computing device for：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as default
The element of product database；
The essential information of loan application end client is obtained, the essential information and each element in pre-set product database are entered
Row matching, and obtain matching result；
According to the matching result to lead referral loan product.
The loan product promotion method of the present embodiment, by pre-setting product database, the sign of acquisition is provided a loan
The product attribute of product performance is as the element in pre-set product database；So that when getting the essential information of client, will
Each element is matched in the essential information and pre-set product database of this client, and then determines suitable client according to matching result
Loan product is recommended.Wherein it is stored with multiple elements in pre-set product database, multiple elements and a variety of loan products
Product attribute is consistent, when releasing a new loan product, accordingly stores the product attribute of this loan product to default
Its element is used as in product database, so as to the matching knot in the client's essential information and pre-set product database according to acquisition
Fruit, carry out the recommendation of loan product.Avoid being directed to the exploitation correspondence system per money loan product to be promoted, reduce exploitation into
This, accelerates the progress of popularization.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the loan product promotion method first embodiment of the present invention；
Fig. 2 is the schematic flow sheet of the loan product promotion method second embodiment of the present invention；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of loan product promotion method.
Fig. 1 is refer to, Fig. 1 is the schematic flow sheet of loan product promotion method first embodiment of the present invention.In this implementation
In example, the loan product promotion method includes：
Step S10, the product attribute of loan product is obtained, and by product attribute storage into pre-set product database
Element as pre-set product database；
At present, in order to adapt to public demand, loan product on the market emerges in an endless stream, as safety Pu Hui easily treat again, car
Main loan, excellent housing loan, residence e loans etc..The present embodiment is previously provided with product database to realize the popularization of different loan products,
That is pre-set product database, multiple elements, the product category of multiple elements and loan product are stored with this pre-set product database
Property it is corresponding.Understandably, when a loan product is released, it is adapted to the age of client, region, the Back ground Information such as purposes of product
It is to determine, loan product may also have cross attribute in addition, and cross attribute represents that different loan products have what is supported mutually
Application condition, as client applies for housing loan, then it may meet the application condition of finishing loan simultaneously, can do what is intersected
Recommend；Or have the declaration form of life insurance, vehicle insurance etc, then it can apply for the attributes such as other loans.Such Back ground Information and intersection category
Property is product attribute.Different loan products has different product attributes, and the product attribute of this each loan product is made
, can also be by artificial according to the member being actually needed in setting pre-set product database for the element in pre-set product database
Element, so that the element in pre-set product database is more comprehensively.When releasing a new loan product, for the ease of sale, production
The product attribute of this loan product is input to product systems by product extension worker or developer, and clothes are uploaded to by product systems
Business device, the product attribute of this loan product is obtained from server, and pre-set product database is arrived into the product attribute storage of acquisition
In, as the element of pre-set product database, different element combinations can correspond to different product attributes, different product attributes
Characterize different loan products.As the element in pre-set product database includes：{ a1, a2, a3, b1, b2, c1 }, wherein element
{ a1, a2, c1 } characterizes loan product A product attribute；Element { b1, b2, c1 } characterizes loan product B product attribute；Element
{ a1, b1, c1 } characterizes loan product C product attribute.Member in the product attribute and pre-set product database of loan product
During plain a1, b1, c1 matching, then it is loan product C to illustrate loan product.Pre-set product database wherein is arrived into product attribute storage
The step of middle element as pre-set product database, includes：
Step S11, the element in product attribute and pre-set product database is compared one by one, and judge pre-set product data
It whether there is and product attribute corresponding element in storehouse；
Step S12, when existing in pre-set product database with product attribute corresponding element, the product attribute is picked
Remove；
Step S13, when being not present in pre-set product database with product attribute corresponding element, the product attribute is made
It is that new element renewal is stored into pre-set product database.
Further, after the product attribute of loan product is got, by this product attribute and pre-set product database
Element matching judgment whether there is element corresponding with this product attribute one by one.In view of loan product product attribute have it is more
It is individual, so that when judging whether element corresponding with this product attribute, it is necessary to judge whether and this multiple product category
The corresponding element of property.When all product attributes of loan product have corresponding element in pre-set product database, then
Illustrate the product attribute of loan product in pre-set product database be present, it is not necessary that identical element is added, so as to
By this, existing product attribute has been deleted.When loan product all product attributes in pre-set product database be not present pair
Answer element or only exist part corresponding element, then illustrate there is no corresponding product in loan product in pre-set product database
Attribute, or only portioned product attribute, it is pre- so as to which this product attribute being not present in pre-set product database be increased to
If being used as its new element in production database, to be updated to pre-set product database, formed in pre-set product database new
Loan product product attribute to client promote.
Step S20, the essential information of loan application end client is obtained, by the essential information and pre-set product database
Each element is matched, and obtains matching result；
Further, when carrying out loan product popularization, the essential information of client can be obtained by loan application end, is borrowed
Money application end is the intelligent terminal for inputting essential information when carrying out credit product application, insurance products purchase for client, its
It can be mobile phone or tablet personal computer, this is not restricted.Judge whether client meets loan product according to the essential information of this client
Application condition, specifically, each element in the essential information of client and pre-set product database is matched, and determine
With result.Because the element in pre-set product database characterize be each loan product product attribute set, so as to its essence
It is to match the product attribute of the essential information of client and each loan product, can determine that client can be with Shen according to matching result
Loan product please.Wherein the essential information of client include date of birth, existing city of residence, whether be the local registered permanent residence, whether have
Credit record etc..Understandably, client may be to have the frequent customer for applying for loan or credit card before this, and such Shen before this
Customer information please be required to, can work as judgement by judging whether client is that frequent customer is obtained so as to the essential information of client
When to go out client be frequent customer, the essential information handled record, obtain client before this is extracted；When judging that client is new client
When, the essential information of client can be inputted by client personnel, so as to obtain the essential information of client.
Step S30, according to the matching result to lead referral loan product.
Understandably, element is the set of the product attribute of a variety of loan products in pre-set product database, by default production
The different element combinations of product database, it may be determined that different loan products.So as to by the essential information of client and pre-set product number
According to during Match of elemental composition, matching result might not be consistent with the product attribute of certain loan product in storehouse, may with it is a variety of
The product attribute of loan product is consistent, or is consistent with the portioned product attribute of loan product.Produced when with a variety of loans
When the product attribute of product is consistent, this variety of loan product can be recommended client, so that client is selected；When with loan
When the portioned product attribute of product is consistent, then product attribute matching degree highest loan product is recommended into client, to carry
High client applies for the success rate of loan.
The loan product promotion method of the present invention includes：The product attribute of loan product is obtained, and by the product attribute
Store the element as pre-set product database in pre-set product database；The essential information of loan application end client is obtained,
The essential information is matched with each element in pre-set product database, and obtains matching result；Tied according to the matching
Fruit is to lead referral loan product.This programme is by pre-setting product database, by the sign loan product characteristic of acquisition
Product attribute as the element in pre-set product database；So that when getting the essential information of client, by this client's
Each element is matched in essential information and pre-set product database, and then determines suitable customer lending product according to matching result
Recommended.The product attribute of multiple elements, multiple elements and a variety of loan products is wherein stored with pre-set product database
Unanimously, when releasing a new loan product, the product attribute of this loan product is stored to pre-set product data accordingly
Its element is used as in storehouse, so as to the matching result in the client's essential information and pre-set product database according to acquisition, is carried out
The recommendation of loan product.Avoid being directed to and promoted per money loan product exploitation correspondence system, reduce development cost, accelerate
The progress of popularization.
Further, in another embodiment of loan product promotion method of the present invention, the step S30 is according to described
Include with result to lead referral loan product：
Step S31, according to the essential information of client, judge whether client has loan documentation；
Step S32, when client has loan documentation, then obtain the historical information corresponding to the loan documentation；
Step S33, according to the historical information and matching result to lead referral loan product.
Further, it is contemplated that client may be successfully to handle the frequent customer of loan product, this loan handled before this
The historical information of product can embody the demand of client, embody client so as to when to lead referral loan product, combine client
The historical information of demand, is recommended to client.Because no matter client handles which type of loan product, of client is required to
People's essential information, so as to judge whether client has loan documentation by the essential information of client, when with loan documentation, then
It is the frequent customer for successfully handling loan product to illustrate client.When the essential information by client judges that client is successfully to handle
When crossing the frequent customer of loan product, then the historical information corresponding to loan documentation when client handles loan product is obtained, is passed through
This historical information determines the demand of client.Specifically, such as client age, income situation in this customer lending record, society are obtained
The customer informations such as information are protected, according to this customer information, determine that it has the loan product of application qualification, further according to the loan of history
Product infers the loan product of its most probable demand.Such as when historical information show client handled loan for purchasing house, according to this house-purchase
Customer information in loan, the loan product that determining it can apply have auto loan and specialize in loan, because its loan documentation is purchase
Housing loan, so as to it can be inferred that it may need further to handle finishing loan.And then believed according to the history for embodying customer demand
Breath and matching result are more suitable for the loan product of its demand to lead referral.It is further understood that ground, before not every client
Loan product was all successfully handled, so as to the essential information described in the present embodiment step S31 according to client, judges whether client has
There is loan documentation to include afterwards：
Step S34, when client does not have loan documentation, then obtain the member matched in pre-set product database with essential information
Element；
Step S35, it is determined that the element similarity highest loan product with the matching, wherein in loan product with matching
Element identical product attribute quantity it is more, the element of matching and the similarity of loan product are higher；
Step S36, the similarity highest loan product is defined as target loan product, and the target is provided a loan
Products Show is to client.
When judging that client does not have loan documentation, then illustrate that client did not handle the new of loan product successfully for before
Client, the element matched with its essential information is obtained from pre-set product database, determine that target is borrowed according to the element of this matching
Money product, and this target loan product is recommended into client.Understandably, different loan products has different product category
Property, it is characterized as the different element numbers in pre-set product database, and the member as pre-set product database includes is known as
N1, n2, n3, m1 and m2, wherein loan product N1 product attribute are n1, n2, n3, m1；Loan product N2 product attribute is
n1、n2、m1、m2；Loan product N3 product attribute is n2, n3, m1；It is judged for new client by the essential information of client,
And when its essential information is matched with the element in pre-set product database, matching result is and element n1, n2 and n3
Match somebody with somebody.When more with the quantity of the element identical product attribute of matching in loan product, then illustrate the element and this loan of matching
The similarity of money product is higher, and the quantity of the element institute identical product attribute in loan product N1, N2, N3 with matching is respectively
3,2 and 2, be part matching, but most with N1 product attribute institute identical quantity, and N1 is defined as into similarity
Highest loan product, client is recommended as target loan product.Exceptionally, if matching result in above-described embodiment
To be matched with element n1, n2, n3 and m2, it is locked in a tie for first so as to the essential information and loan product N1 and N2 similarity of client,
So as to determine that target loan product is N1 and N2 according to this similarity, N1 and N2 are recommended into client, for being selected, make to push away
It is more accurate to recommend result.Understandably, when the loan product matched with client's essential information being recommended into client, client is for borrowing
The information of money product not fully understands, so as to which the step of target loan product is recommended into client also includes：
It is determined that contact staff's information corresponding with the target loan product, and by the target loan product and customer service
Personal information recommends loan application end.
Further, it is contemplated that target loan product is simply recommended into client, client is wanting to understand target loan in depth
During money product information, it may be necessary to by complicated flow, cause customer experience poor, client is easy to run off.So as in order to more preferable
Services client, after target loan product is determined according to the element of matching, it is also necessary to it is determined that corresponding with target loan product
Contact staff's information, this client personnel information includes the information such as the telephone number of client personnel, name, by this target loan product
And corresponding client personnel information recommendation is shown to loan application end, when client needs, visitor can be contacted by this telephone number
Family personnel carry out the consulting of target loan product, meet the different demands of client.
Further, in another embodiment of loan product promotion method of the present invention, the step S33 believes according to history
Breath and matching result included to the step of lead referral loan product：
Step S331, the element matched with essential information is obtained, and matching loan production is determined according to the element of the matching
Product；
Step S332, it is determined that the degree of correlation of matching loan product and historical information, according to the degree of correlation to lead referral
Loan product.
Further, when it is successfully to handle the client of loan product to judge client, then need to combine and handle loan
The historical information of money product and matching result are to lead referral loan product.The member matched with client's essential information is obtained first
Element, matching loan product being determined according to the element of this matching, next determines the degree of correlation of this matching loan product and historical information,
Loan product to lead referral is determined according to the degree of correlation.Specifically, the essential information as client and the production of a variety of loan products
Product attribute is consistent, i.e., can determine that a variety of according to the matching result of element in the essential information of client and pre-set product database
During with loan product, determine this variety of matching loan product and handle the historical information degree of correlation of loan product, by the degree of correlation most
Big matching loan product is as the loan product to lead referral.The loan product handled as shown client in historical information
For loan for purchasing house, and a variety of matching loan products determined include auto loan, education loan, finishing loan etc., so as to basis
The correlation of loan for purchasing house, the loan matching loan product maximum as the degree of correlation will be fitted up as the loan production to lead referral
Product.When the essential information of client is only consistent with a kind of product attribute of loan product, i.e., according to the essential information of client with it is pre-
If the matching result of element determines a kind of matching loan product in product database, determine this matching loan product and handle loan
The historical information degree of correlation of money product.When matching loan product is uncorrelated to the historical information for handling loan product, it is determined that with
Loan product corresponding to the historical information of loan product is handled, matching loan product and this loan corresponding with historical information are produced
Product as the loan product to lead referral, when match loan product it is related to the historical information for handling loan product when, directly
Using this matching loan product as the loan product to lead referral.The present embodiment pushes away what historical information was combined with matching result
Mode is recommended, recommendation can be made more accurate.
Further, Fig. 2 is refer to, based on the first embodiment of loan product promotion method of the present invention, proposes the present invention
The second embodiment of loan product promotion method, in the present embodiment, the step S10 obtain the product attribute of loan product
Include before step：
Step S40, establish pre-set product database；
Step S50, the reference attribute of each existing loan product is obtained, and stored described with reference to attribute to pre-set product
Database, wherein described with reference to element of the attribute as pre-set product database.
Further, in order to which client's essential information of acquisition is matched with the element in pre-set product database,
Need to pre-establish product database, the reference attribute as its element is stored with product database.Wherein refer to attribute
Come from current existing loan product, the customer group, cross attribute etc. being applicable for characterizing current existing loan product, with
By the way that this is matched with reference to attribute with the client's essential information obtained, the loan product of customer demand is determined for compliance with.Specifically, lead to
Cross write code mode establish one be used for tissue, storage and manage data pre-set product database, obtain at present it is existing
Each loan product reference attribute, and reference attribute of this acquisition is stored to pre-set product database, forms default produces
The element of product database, different loan products is characterized with different element combinations., will after the essential information of client is got
Match of elemental composition in itself and pre-set product database, so that it is determined that corresponding loan product is recommended.In view of pre-set product number
Loan product is characterized by element combinations according in storehouse, element uniqueness can be arranged to, be deleted for repeat element, with section
The memory space of pre-set product database is saved, and avoids repeating to compare, accelerates to search matching speed.So as to refer to attribute by described
Storing to after the step of pre-set product database includes：
Step S60, judge in pre-set product database with the presence or absence of the reference attribute repeated；
Step S70, when in pre-set product database exist repeat reference attribute when, by the reference attribute of the repetition from
Pre-set product database is rejected.
Further, in order to ensure the element uniqueness in pre-set product database, stored attribute will be referred to default
After product database, judge to repeat to be put into reference when existing with the presence or absence of the reference attribute repeated in pre-set product database
During attribute, this reference attribute repeated is rejected from pre-set product database.Wherein judge whether the reference category repeated
Property the step of can also will refer to attribute storage arrive pre-set product database before, i.e., judge pre-set product number before storing
Whether attribute is referred in the presence of this according in storehouse, do not stored then to pre-set product database when it is present, it is pre- so as to ensure
If the uniqueness of the element in product database, when by Match of elemental composition in essential information and pre-set product database, to keep away
Exempt from repeated matching, the efficiency that lifting matching compares.
Reference picture 3, Fig. 3 are the device structure schematic diagrams for the hardware running environment that present invention method is related to.
It can be PC or smart mobile phone, tablet personal computer, e-book that loan product of the embodiment of the present invention, which promotes device,
Reader, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard
Audio aspect 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert
Compression standard audio aspect 3) terminal device such as player, pocket computer.
It can include as shown in figure 3, the loan product promotes device：Processor 1001, such as CPU, memory 1005, lead to
Believe bus 1002.Wherein, communication bus 1002 is used to realize the connection communication between processor 1001 and memory 1005.Storage
Device 1005 can be high-speed RAM memory or stable memory (non-volatile memory), such as disk
Memory.Memory 1005 optionally can also be the storage device independently of aforementioned processor 1001.
Alternatively, the loan product, which promotes device, can also include user interface, network interface, camera, RF (Radio
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface can include display screen
(Display), input block such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface can optionally include wireline interface, the wave point (such as WI-FI interfaces) of standard.
Do not formed to loan it will be understood by those skilled in the art that the loan product shown in Fig. 3 promotes apparatus structure
The restriction of product promotion device, it can include than illustrating more or less parts, either combine some parts or different
Part is arranged.
As shown in figure 3, it can lead to as in a kind of memory 1005 of computer-readable storage medium including operating system, network
Believe module and loan product promotion program.Operating system is that management and control loan product promote device hardware and software resource
Program, support the operation of loan product promotion program and other softwares and/or program.Network communication module is deposited for realization
Communication between each component in the inside of reservoir 1005, and promote in device with loan product and communicated between other hardware and softwares.
In the loan product shown in Fig. 3 promotes device, processor 1001 is used to perform the loan stored in memory 1005
Money product promotion program, realizes following steps：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as default
The element of product database；
The essential information of loan application end client is obtained, the essential information and each element in pre-set product database are entered
Row matching, and obtain matching result；
According to the matching result to lead referral loan product.
Further, it is described to be included according to the matching result to the step of lead referral loan product：
According to the essential information of client, judge whether client has loan documentation；
When client has loan documentation, then the historical information corresponding to the loan documentation is obtained；
According to the historical information and matching result to lead referral loan product.
Further, it is described to be included according to the historical information and matching result to the step of lead referral loan product：
The element matched with essential information is obtained, and matching loan product is determined according to the element of the matching；
It is determined that the degree of correlation of matching loan product and historical information, according to the degree of correlation to lead referral loan product.
Further, the essential information according to client, after judging whether client has the step of loan documentation, place
Reason device 1001 is used to perform the loan product promotion program stored in memory 1005, realizes following steps：
When client does not have loan documentation, then the element matched in pre-set product database with essential information is obtained；
It is determined that the element similarity highest loan product with the matching, wherein in loan product with the element phase of matching
Same product attribute quantity is more, and the element of matching and the similarity of loan product are higher；
The similarity highest loan product is defined as target loan product, and the target loan product is recommended
To client.
Further, the described the step of target loan product is recommended into client, includes：
It is determined that contact staff's information corresponding with the target loan product, and by the target loan product and customer service
Personal information recommends loan application end.
Further, it is described to store the product attribute into pre-set product database as pre-set product database
The step of element, includes：
Element in product attribute and pre-set product database is compared one by one, and judge in pre-set product database whether
In the presence of with product attribute corresponding element；
When existing in pre-set product database with product attribute corresponding element, the product attribute is rejected；
When being not present in pre-set product database with product attribute corresponding element, using the product attribute as new element
Renewal storage is into pre-set product database.
Further, before the step of product attribute of the acquisition loan product, processor 1001 is used to perform storage
The loan product promotion program stored in device 1005, realizes following steps：
Establish pre-set product database；
The reference attribute of each existing loan product is obtained, and is stored described with reference to attribute to pre-set product database,
It is wherein described with reference to element of the attribute as pre-set product database.
Further, the reference attribute for obtaining each existing loan product, and stored described with reference to attribute to pre-
If after the step of product database, processor 1001 is used to perform the loan product promotion program stored in memory 1005,
Realize following steps：
Judge in pre-set product database with the presence or absence of the reference attribute repeated；
When the reference attribute repeated in pre-set product database be present, by the reference attribute of the repetition from pre-set product
Database is rejected.
Loan product of the present invention promotes device embodiment and above-mentioned each embodiment of loan product promotion method is basic
It is identical, it will not be repeated here.
The invention provides a kind of computer-readable recording medium, the computer-readable recording medium storage have one or
More than one program of person, one either more than one program can also by one or more than one computing device with
In：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as default
The element of product database；
The essential information of loan application end client is obtained, the essential information and each element in pre-set product database are entered
Row matching, and obtain matching result；
According to the matching result to lead referral loan product.
Further, it is described to be included according to the matching result to the step of lead referral loan product：
According to the essential information of client, judge whether client has loan documentation；
When client has loan documentation, then the historical information corresponding to the loan documentation is obtained；
According to the historical information and matching result to lead referral loan product.
Further, it is described to be included according to the historical information and matching result to the step of lead referral loan product：
The element matched with essential information is obtained, and matching loan product is determined according to the element of the matching；
It is determined that the degree of correlation of matching loan product and historical information, according to the degree of correlation to lead referral loan product.
Further, the essential information according to client, after judging whether client has the step of loan documentation, institute
State one either more than one program can also by one or more than one computing device for：
When client does not have loan documentation, then the element matched in pre-set product database with essential information is obtained；
It is determined that the element similarity highest loan product with the matching, wherein in loan product with the element phase of matching
Same product attribute quantity is more, and the element of matching and the similarity of loan product are higher；
The similarity highest loan product is defined as target loan product, and the target loan product is recommended
To client.
Further, the described the step of target loan product is recommended into client, includes：
It is determined that contact staff's information corresponding with the target loan product, and by the target loan product and customer service
Personal information recommends loan application end.
Further, it is described to store the product attribute into pre-set product database as pre-set product database
The step of element, includes：
Element in product attribute and pre-set product database is compared one by one, and judge in pre-set product database whether
In the presence of with product attribute corresponding element；
When existing in pre-set product database with product attribute corresponding element, the product attribute is rejected；
When being not present in pre-set product database with product attribute corresponding element, using the product attribute as new element
Renewal storage is into pre-set product database.
Further, before the step of product attribute of the acquisition loan product, one or more than one journey
Sequence can also by one or more than one computing device for：
Establish pre-set product database；
The reference attribute of each existing loan product is obtained, and is stored described with reference to attribute to pre-set product database,
It is wherein described with reference to element of the attribute as pre-set product database.
Further, the reference attribute for obtaining each existing loan product, and stored described with reference to attribute to pre-
If after the step of product database, one either more than one program can also be by one or more than one processor
Perform for：
Judge in pre-set product database with the presence or absence of the reference attribute repeated；
When the reference attribute repeated in pre-set product database be present, by the reference attribute of the repetition from pre-set product
Database is rejected.
Computer-readable recording medium embodiment of the present invention and each embodiment base of above-mentioned loan product promotion method
This is identical, will not be repeated here.
It should also be noted that, herein, term " comprising ", "comprising" or its any other variant are intended to non-
It is exclusive to include, so that process, method, article or device including a series of elements not only include those key elements,
But also the other element including being not expressly set out, or also include solid by this process, method, article or device
Some key elements.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including
Other identical element also be present in the process of the key element, method, article or device.
The embodiments of the present invention are for illustration only, do not represent the quality of embodiment.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on such understanding, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in one as described above
In storage medium (such as ROM/RAM, magnetic disc, CD), including some instructions to cause a station terminal equipment (can be mobile phone,
Computer, server, or network equipment etc.) perform method described in each embodiment of the present invention.
The preferred embodiments of the present invention are the foregoing is only, are not intended to limit the scope of the invention, it is every at this
Under the design of invention, the equivalent structure transformation made using description of the invention and accompanying drawing content, or directly/it is used in indirectly
He is included in the scope of patent protection of the present invention related technical field.
Claims (10)
1. a kind of loan product promotion method, it is characterised in that the loan product promotion method comprises the following steps：
The product attribute of loan product is obtained, and the product attribute is stored into pre-set product database as pre-set product
The element of database；
The essential information of loan application end client is obtained, by each element progress in the essential information and pre-set product database
Match somebody with somebody, and obtain matching result；
According to the matching result to lead referral loan product.
2. loan product promotion method as claimed in claim 1, it is characterised in that it is described according to the matching result to client
The step of recommending loan product includes：
According to the essential information of client, judge whether client has loan documentation；
When client has loan documentation, then the historical information corresponding to the loan documentation is obtained；
According to the historical information and matching result to lead referral loan product.
3. loan product promotion method as claimed in claim 2, it is characterised in that described according to the historical information and matching
As a result include to the step of lead referral loan product：
The element matched with essential information is obtained, and matching loan product is determined according to the element of the matching；
It is determined that the degree of correlation of matching loan product and historical information, according to the degree of correlation to lead referral loan product.
4. loan product promotion method as claimed in claim 2, it is characterised in that the essential information according to client, sentence
Disconnected client includes after whether having the step of loan documentation：
When client does not have loan documentation, then the element matched in pre-set product database with essential information is obtained；
It is determined that the element similarity highest loan product with the matching, wherein in loan product with the element identical of matching
Product attribute quantity is more, and the element of matching and the similarity of loan product are higher；
The similarity highest loan product is defined as target loan product, and the target loan product is recommended into visitor
Family.
5. loan product promotion method as claimed in claim 4, it is characterised in that described to recommend the target loan product
Include to the step of client：
It is determined that contact staff's information corresponding with the target loan product, and by the target loan product and contact staff
Information recommendation gives loan application end.
6. the loan product promotion method as described in claim any one of 1-5, it is characterised in that described by the product attribute
The step of storing in pre-set product database the element as pre-set product database includes：
Element in product attribute and pre-set product database is compared one by one, and judges to whether there is in pre-set product database
With product attribute corresponding element；
When existing in pre-set product database with product attribute corresponding element, the product attribute is rejected；
When being not present in pre-set product database with product attribute corresponding element, updated the product attribute as new element
Store in pre-set product database.
7. the loan product promotion method as described in claim any one of 1-5, it is characterised in that the acquisition loan product
Include before the step of product attribute：
Establish pre-set product database；
The reference attribute of each existing loan product is obtained, and is stored described with reference to attribute to pre-set product database, wherein
It is described with reference to element of the attribute as pre-set product database.
8. loan product promotion method as claimed in claim 7, it is characterised in that each existing loan product of acquisition
Include with reference to attribute, and by described stored with reference to attribute to after the step of pre-set product database：
Judge in pre-set product database with the presence or absence of the reference attribute repeated；
When the reference attribute repeated in pre-set product database be present, by the reference attribute of the repetition from pre-set product data
Reject in storehouse.
9. a kind of loan product promotes device, it is characterised in that the loan product, which promotes device, to be included：Memory, processor,
Communication bus and the loan product promotion program being stored on the memory；
The communication bus is used to realize the connection communication between processor and memory；
The processor is used to perform the loan product promotion program, to realize as any one of claim 1-8
The step of loan product promotion method.
10. a kind of computer-readable recording medium, it is characterised in that the computer class is read to be stored with loan production in storage medium
Product promotion program, realized when the loan product promotion program is executed by processor as any one of claim 1-8
The step of loan product promotion method.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710917000.1A CN107729443A (en) | 2017-09-29 | 2017-09-29 | Loan product promotion method, device and computer-readable recording medium |
| PCT/CN2017/107402 WO2019061612A1 (en) | 2017-09-29 | 2017-10-24 | Loan product promotion method and apparatus, and computer-readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710917000.1A CN107729443A (en) | 2017-09-29 | 2017-09-29 | Loan product promotion method, device and computer-readable recording medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107729443A true CN107729443A (en) | 2018-02-23 |
Family
ID=61209557
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710917000.1A Pending CN107729443A (en) | 2017-09-29 | 2017-09-29 | Loan product promotion method, device and computer-readable recording medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN107729443A (en) |
| WO (1) | WO2019061612A1 (en) |
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