CN108416506A - Customer risk level management approach, server and computer readable storage medium - Google Patents
Customer risk level management approach, server and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a kind of customer risk level management approach, this method includes:Structure includes the customer risk rating model of multiple financial systems;It obtains the business datum of multiple financial systems and is input to customer risk rating model to carry out unification processing to business datum, generate single Client view;According to single Client view extract client each financial system risk class;It is ranked up in the risk class height of each financial system according to client, with the ultimate risk grade of highest risk class client the most;And client's ultimate risk grade for exporting of the shared customer risk rating model comprising multiple financial systems and the client each financial system risk class to terminal device each financial system.The present invention also provides a kind of server and computer readable storage mediums.Customer risk level management approach, server and computer readable storage medium provided by the invention can realize that customer risk level data is shared in each financial system.
Description
Technical field
The present invention relates to financial client administrative skill field more particularly to a kind of customer risk level management approach, services
Device and computer readable storage medium.
Background technology
In recent years, universal with the high speed development of information industry and mobile Internet, financing corporation is also constantly expanding
Scale is related to more and more financial business.But the customer risk rating system in industry is all towards single financial business
, for example, bank client risk rating towards bank client, risk for insurance grading is only oriented to policy holder, each financial business
Customer risk grading data cannot share.
Invention content
In view of this, a kind of customer risk level management approach of present invention proposition, server and computer-readable storage medium
Matter, to solve the problems, such as that the data of the customer risk grading of financial business cannot be shared.
First, to achieve the above object, the present invention proposes that a kind of customer risk level management approach, this method include step
Suddenly:
Structure includes the customer risk rating model of multiple financial systems;
It obtains the business datum of the multiple financial system and is input to the customer risk rating model;
The customer risk rating model carries out unification processing to the business datum, generates single Client view to obtain
To the same client the multiple financial system business datum;
According to the single Client view extract the client each financial system risk class;
It is ranked up in the risk class height of each financial system according to client, using highest risk class as client
Ultimate risk grade;And
Client's ultimate risk grade that the customer risk rating model comprising multiple financial systems exports and
The client each financial system risk class to terminal device each financial system.
Optionally, the final wind of client that the shared customer risk rating model comprising multiple financial systems exports
Further include walking as follows after dangerous grade and the client are risk class to each financial system of each financial system the step of
Suddenly:
When receiving the service request of client, judge that client is new client according to the single Client view, wherein institute
State the service request that service request is any system in the multiple financial system;
If not the risk of new client, the automatic ultimate risk grade for showing client and the client in each financial system
Grade;
If new client, then the risk class of the new client is assessed according to the customer data of the new client.
Optionally, it is described according to the single Client view extract the client each financial system risk class
Further include following steps before step:
Extract the personal information information of client;
Same client is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence;
According to the mapping relations of the client and each financial system business, single Client view is generated.
Optionally, the method further includes following steps:
When the risk class for the same client that the risk rating model of each financial system exports is inconsistent, display corresponds to
Prompt message.
Optionally, the method further includes following steps:
When client is when the risk class of some financial system is high, display leads to the event of high-risk grade.
In addition, to achieve the above object, the present invention also provides a kind of server, including memory, processor, the storages
The customer risk hierarchical management system that can be run on the processor, the customer risk hierarchical management system are stored on device
Following steps are realized when being executed by the processor:
Structure includes the customer risk rating model of multiple financial systems;
It obtains the business datum of the multiple financial system and is input to the customer risk rating model;
The customer risk rating model carries out unification processing to the business datum, generates single Client view to obtain
To the same client the multiple financial system business datum;
According to the single Client view extract the client each financial system risk class;
It is ranked up in the risk class height of each financial system according to client, using highest risk class as client
Ultimate risk grade;And
Client's ultimate risk grade that the customer risk rating model comprising multiple financial systems exports and
The client each financial system risk class to terminal device each financial system.
Optionally, the final wind of client that the shared customer risk rating model comprising multiple financial systems exports
Further include walking as follows after dangerous grade and the client are risk class to each financial system of each financial system the step of
Suddenly:
When receiving the service request of client, judge that client is new client according to the single Client view;
If not the risk of new client, the automatic ultimate risk grade for showing client and the client in each financial system
Grade;
If new client, then the risk class of the new client is assessed according to the customer data of the new client.
Optionally, it is described according to the single Client view extract the client each financial system risk class
Further include following steps before step:
Extract the personal information information of client;
Same client is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence;
According to the mapping relations of the client and each financial system business, single Client view is generated.
Optionally, the method further includes following steps:
When the risk class for the same client that the risk rating model of each financial system exports is inconsistent, display corresponds to
Prompt message;
When client is when the risk class of some financial system is high, display leads to the event of high-risk grade.
Further, to achieve the above object, the present invention also provides a kind of computer readable storage medium, the computers
Readable storage medium storing program for executing is stored with customer risk hierarchical management system, and the customer risk hierarchical management system can be by least one place
It manages device to execute, so that at least one processor is executed such as the step of above-mentioned customer risk level management approach.
Compared to the prior art, customer risk level management approach proposed by the invention, server and computer-readable
Storage medium, first, structure include the customer risk rating model of multiple financial systems;Then, each gold under group is obtained
The business datum of melt body system carries out unification processing, generates single Client view;Further, according to the single Client view
Extract the client each financial system risk class;Then, high in the risk class of each financial system according to client
It is low to be ranked up, with the ultimate risk grade of highest risk class client the most;Finally, it shares described comprising multiple financial bodies
System customer risk rating model output client's ultimate risk grade and the client each financial system risk class
To each financial system of terminal device so that the business personnel of each financial system can understand same client in different gold in time
The risk class of melt body system and the ultimate risk grade of the client realize that customer risk level data is shared, to business personnel
Client can be referred in the risk class of other financial systems, make better risk prevention.
Description of the drawings
Fig. 1 is each one optional application environment schematic diagram of embodiment of the present invention;
Fig. 2 is the schematic diagram of one optional hardware structure of server in Fig. 1;
Fig. 3 is the program module schematic diagram of customer risk hierarchical management system first embodiment of the present invention;
Fig. 4 is the program module schematic diagram of customer risk hierarchical management system second embodiment of the present invention;
Fig. 5 is the program module schematic diagram of customer risk hierarchical management system 3rd embodiment of the present invention;
Fig. 6 is the flow diagram of customer risk level management approach first embodiment of the present invention;
Fig. 7 is the flow diagram of customer risk level management approach second embodiment of the present invention;
Fig. 8 is the flow diagram of customer risk level management approach 3rd embodiment of the present invention.
Reference numeral:
Terminal device | 1 |
Server | 2 |
Network | 3 |
Memory | 11 |
Processor | 12 |
Network interface | 13 |
Customer risk hierarchical management system | 200 |
Build module | 201 |
Generation module | 202 |
Extraction module | 203 |
Sorting module | 204 |
Sharing module | 205 |
Judgment module | 206 |
Reminding module | 207 |
Evaluation module | 208 |
Identification module | 209 |
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
The every other embodiment obtained is put, shall fall within the protection scope of the present invention.
It should be noted that the description for being related to " first ", " second " etc. in the present invention is used for description purposes only, and cannot
It is interpreted as indicating or implying its relative importance or implicitly indicates the quantity of indicated technical characteristic.Define as a result, " the
One ", the feature of " second " can explicitly or implicitly include at least one of the features.In addition, the skill between each embodiment
Art scheme can be combined with each other, but must can be implemented as basis with those of ordinary skill in the art, when technical solution
Will be understood that the combination of this technical solution is not present in conjunction with there is conflicting or cannot achieve when, also not the present invention claims
Protection domain within.
As shown in fig.1, being each one optional application environment schematic diagram of embodiment of the present invention.
In the present embodiment, present invention can apply to include but are not limited to, terminal device 1, server 2, network 3
In application environment.Wherein, the terminal device 1 can be mobile phone, smart phone, laptop, Digital Broadcasting Receiver
Device, PDA (personal digital assistant), PAD (tablet computer), PMP (portable media player), navigation device, car-mounted device
Etc. movable equipment, and such as number TV, desktop computer, notebook, server etc. fixed terminal.The clothes
Business device 2 can be the computing devices such as rack-mount server, blade server, tower server or Cabinet-type server, the clothes
Business device 2 can be independent server, can also be the server cluster that multiple servers are formed.The network 3 can be
Intranet (Intranet), internet (Internet), global system for mobile communications (Global System of
Mobile communication, GSM), wideband code division multiple access (Wideband Code Division Multiple
Access, WCDMA), 4G networks, 5G networks, bluetooth (Bluetooth), Wi-Fi, the wirelessly or non-wirelessly network such as speech path network.
Wherein, the server 2 is communicated to connect with one or more terminal devices 1 respectively by the network 3, with
Carry out data transmission and interacts.
As shown in fig.2, being the schematic diagram of 2 one optional hardware structure of server in Fig. 1.In the present embodiment, the clothes
Business device 2 may include, but be not limited only to, and connection memory 11, processor 12, network interface can be in communication with each other by system bus
13.It should be pointed out that Fig. 2 illustrates only the server 2 with component 11-13, it should be understood that being not required for implementing
All components shown, the implementation that can be substituted is more or less component.
Wherein, the memory 11 includes at least a type of readable storage medium storing program for executing, and the readable storage medium storing program for executing includes
Flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memories etc.), random access storage device (RAM), it is static with
Machine accesses memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), may be programmed only
Read memory (PROM), magnetic storage, disk, CD etc..In some embodiments, the memory 11 can be the clothes
Be engaged in device 2 internal storage unit, such as the server 2 hard disk or memory.In further embodiments, the memory 11
Can be the External memory equipment of the server 2, such as the plug-in type hard disk being equipped on the server 2, intelligent memory card
(Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..When
So, the memory 11 can also both include the server 2 internal storage unit and also including its External memory equipment.This reality
It applies in example, the memory 11 is installed on the operating system and types of applications software of the server 2 commonly used in storage, such as
The program code etc. of customer risk hierarchical management system 200.In addition, the memory 11 can be also used for temporarily storing
Output or the Various types of data that will be exported.
The processor 12 can be in some embodiments central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips.The processor 12 is commonly used in the control clothes
The overall operation of business device 2, such as execute and carry out data interaction with the terminal device 1 or communicate relevant control and processing
Deng.In the present embodiment, the processor 12 is for running the program code stored in the memory 11 or processing data, example
Customer risk hierarchical management system 200 as described in running.
The network interface 13 may include radio network interface or wired network interface, which is commonly used in
Communication connection is established between the server 2 and other electronic equipments.In the present embodiment, the network interface 13 is mainly used for leading to
Cross the network 3 server 2 is connected with one or more terminal devices 1, the server 2 with it is one
Or establish data transmission channel and communication connection between multiple terminal devices 1.
So far, oneself is through describing the hardware configuration and work(of the application environment and relevant device of each embodiment of the present invention in detail
Energy.In the following, above application environment and relevant device will be based on, each embodiment of the present invention is proposed.
First, the present invention proposes a kind of customer risk hierarchical management system 200.
As shown in fig.3, being the Program modual graph of 200 first embodiment of customer risk hierarchical management system of the present invention.
In the present embodiment, the customer risk hierarchical management system 200 includes a series of is stored on memory 11
The visitor of various embodiments of the present invention may be implemented when the computer program instructions are executed by processor 12 in computer program instructions
Family risk class management operation.In some embodiments, the specific behaviour realized based on the computer program instructions each section
Make, customer risk hierarchical management system 200 can be divided into one or more modules.For example, in figure 3, client's wind
Dangerous hierarchical management system 200 can be divided into structure module 201, generation module 202, extraction module 203, sorting module 204,
Sharing module 205.Wherein:
It is described to establish module 201, for building the customer risk rating model for including multiple financial systems.
Specifically, with the continuous extending dimensions of financing corporation, the financial business being related to is more and more, with certain large-scale finance
For group, the financial system which includes has, banking system, insurance system, security system, loan system etc.
Deng the corresponding financial business being related to has banking, insurance business, stock exchange transaction, loan transaction etc..The server 2
The customer risk rating model comprising multiple financial systems of structure includes all financial business involved by the group.
The acquisition module 202, business datum for obtaining the multiple financial system are simultaneously input to client's wind
Dangerous rating model, and unification processing is carried out to the business datum by the customer risk rating model, generate single visitor
Family view with obtain the same client the multiple financial system business datum.
Specifically, the customer risk rating model comprising multiple financial systems includes platform in data set.First,
The server 2, by each financial system, such as banking system, insurance system, security system, is borrowed by the acquisition module 202
The business datum of money system etc. is pooled to platform in data set.Secondly, the number of the platform from the data set of the acquisition module 202
According to obtaining the data of same client in above-mentioned multiple financial systems, such as A client handled in banking system and security system
Business, then for the acquisition A client of the acquisition module 202 in the business datum of banking system and security system, i.e. progress data are consistent
Change is handled, and is generated the mapping relations figure between client and business datum, that is, is formed single Client view.
The extraction module 203, for extracting the client in each financial system according to the single Client view
Risk class.
Specifically, each financial system is different for the risk class evaluation criteria of client, to customer data analysis
Definition also difference, therefore in the present embodiment, each financial system individually evaluates the risk rating of client.The packet
Customer risk rating model containing multiple financial systems includes that each financial system includes dedicated customer risk of industry etc.
Grade assessment models, customer risk grade of the single Client view data information of platform Jing Guo each financial system in data set
Assessment models obtain corresponding risk class.The server 2 is by the extraction module 203 from including multiple financial systems
Customer risk rating model extraction client each financial system risk class.It is understood that because each finance
The risk class evaluation criteria of the client of system is different, so the same client has in the risk class of different financial systems
It may be different, such as A client is high risk in the risk class of banking system, is apoplexy in the risk class of security system
Danger, and be low-risk in the risk class of insurance system.
The sorting module 204, for being ranked up in the risk class height of each financial system according to client, with most
The ultimate risk grade of high risk class client the most.
Specifically, the server 2 to client each financial system risk class according to being just ranked up, and press
According to regard to high principle and risk principle of prudence, the ultimate risk grade using highest risk class as client.For example, B client
It is high risk in the risk class of banking system, is low-risk in the risk class of security system, in systems such as insurance systems
Risk class is low-risk, even if client is low-risk in the risk class of the systems such as security system, insurance system, but it is objective
Family is height in the risk class of banking system, is high risk etc. according to the risk class finally evaluated with regard to high principle, B client
Grade.For B client when buying the financial business such as insurance products, insurance system can take precautions against the industry that B client may bring in advance in this way
Business risk.
The sharing module 205 is exported for the shared customer risk rating model comprising multiple financial systems
Client's ultimate risk grade and the client each financial system risk class to terminal device 1 each financial system.
Specifically, client's ultimate risk grade that the customer risk rating model comprising multiple financial systems exports when described
When, the server 2 is shared the ultimate risk grade of client to each financial system by sharing module 205, while will also
Client shares in the risk class of each financial system to each financial system so that the business personnel of each financial system can and
When understand same client in the risk class of different financial systems and the ultimate risk grade of the client, realize customer risk etc.
Level data is shared, to which business personnel can refer to client in the risk class of other financial systems, makes better risk prevention.
In other embodiments of the invention, when the wind of the same client of the risk rating model of each financial system output
When dangerous grade is inconsistent, the server 2 shows corresponding prompt message.In the present embodiment, the pre-warning signal can be
But it is not limited to add label to the client, risk prevention is carried out with reminding business person.For example, A client is in loan system
Risk class is low, when the risk class of banking system is high, when A client is when loan system handles loan transaction, and loan
It is high reason that the business personnel of system can inquire A client in banking system risk class according to the pre-warning signal, and then really
Determine A client and whether meet to handle loan transaction.
In other embodiments of the invention, when client is when the risk class of some financial system is high, display is led
Cause the event of high-risk grade.For example, when client is assessed as high-risk grade in banking system because triggering high risk event,
Show the high risk event of client, e.g., client is inquired by public security organ, the tax authority, customs, freezes, detaining the event for drawing deposit.
By above procedure module 201-205, customer risk hierarchical management system 200 proposed by the invention, first, structure
Build the customer risk rating model for including multiple financial systems;Then, the business datum of each financial system under group is obtained
Unification processing is carried out, single Client view is generated;Further, the client is extracted each according to the single Client view
The risk class of a financial system;Then, it is ranked up in the risk class height of each financial system according to client, with highest
Risk class client the most ultimate risk grade;Finally, the customer risk comprising multiple financial systems is shared to grade
Client's ultimate risk grade of model output and the client are each to terminal device 1 in the risk class of each financial system
Financial system so that the business personnel of each financial system can understand in time same client different financial systems risk class
And the ultimate risk grade of the client, realize that customer risk level data is shared, to which business personnel can refer to client at it
The risk class of his financial system makes better risk prevention.
As shown in fig.4, being the Program modual graph of 200 second embodiment of customer risk hierarchical management system of the present invention.This
In embodiment, the customer risk hierarchical management system 200 in addition to including in first embodiment the structure module 201,
Further include judgment module 206, prompt mould except generation module 202, extraction module 203, sorting module 204, sharing module 205
Block 207 and evaluation module 208.
The acquisition module 206, for when receiving the service request of client, being judged according to the single Client view
Whether client is new client.
Specifically, it will be recalled from above that in the first embodiment, the server 2 is by each financial system, such as bank's body
The business datum of system, insurance system, security system, loan system etc. is pooled to platform in data set and carries out at data unification
Reason, forms single Client view.Inevitably, each system can have new client to be added, even the new client of group.Cause
This when the server 2 receives the service request of terminal device 1, passes through 206 basis of judgment module in the present embodiment
The single Client view of platform judges whether the client is new client in data set, when platform includes the visitor in the data set
When the single Client view at family, indicate that the client is frequent customer, as the single client of the not no client of platform in the data set
When view, indicate that the client is new client.Here new client refers to the new client of group, i.e., is not handled in each system
Cross business.
The reminding module 207 is used for if not new client, the automatic ultimate risk grade for showing client and the client
In the risk class of each financial system.
Specifically, when the client is not new user, then show the customer risk rating model for including multiple financial systems
The risk class in the correspondence system for business of handling of the evaluated mistake client.The server 2 passes through reminding module
207 display clients ultimate risk grade and the client each financial system risk class.If client's is final simultaneously
When risk class is high, also show that risk class is high specific event.
The evaluation module 208 then assesses the new visitor if being used for new client according to the customer data of the new client
The risk class at family.
Specifically, if the client is new client, that is, show that the client did not handle any business in group, then institute's commentary
Estimate module 208 and the risk class of the client is assessed according to the customer data of the new client, and shares to each financial system.
By above procedure module 206-208, customer risk hierarchical management system 200 proposed by the invention, additionally it is possible to
When receiving the service request of client, judge that client is the new client of group according to the single Client view;If not new visitor
The risk class of family, the automatic ultimate risk grade for showing client and the client in each financial system;If new client, then
The risk class that the new client is assessed according to the customer data of the new client realizes old and new customers's classification processing, perfect
Risk prevention.
As shown in fig.5, being the Program modual graph of 200 3rd embodiment of customer risk hierarchical management system of the present invention.This
In embodiment, the customer risk hierarchical management system 200 in addition to including in first embodiment the structure module 201,
Further include identification module 209 except generation module 202, extraction module 203, sorting module 204, sharing module 205.
The extraction module 203 is additionally operable to the personal information information of extraction client.
Specifically, the personal information that the server 2 passes through the platform extraction client from data set of the extraction module 203
Information, wherein the personal information information includes but not limited to name, gender, date of birth, type of credential, the certificate number of client
Code, the business etc. handled.
The identification module 209, for consistent according to name, gender, date of birth, type of credential and passport NO. five
Principle identifies same client.
Specifically, it will be recalled from above that the same client of server identification group forms single Client view, but it is
It avoids the client of same name from generating to obscure, the server identifies same client according to certain rule.In the present embodiment,
The server 2 by the identification module 209 from the personal information information for extract client according to customer name, gender,
Five date of birth, type of credential and passport NO. principle of correspondence identify same client, ensure that customer information is accurate.
The generation module 202 generates single for the mapping relations according to the client and each financial system business
Client view.
Specifically, it will be recalled from above that the server 2 is by each financial system, such as banking system, insurance system, security
The business datum of system, loan system etc. is pooled to platform in data set.In one embodiment of this invention, the generation module
202 configurable crawlers capture business datum of the same client in above-mentioned multiple financial systems, form client and each gold
Melt the mapping relations of business system, and then the generation module 202 is according to the mapping of the client and each financial system business
Relationship generates single Client view.
By above procedure module 209, customer risk hierarchical management system 200 proposed by the invention, moreover it is possible to extraction visitor
The personal information information at family;It is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence
Same client;According to the mapping relations of the client and each financial system business, single Client view is generated, to ensure visitor
Family information is accurate.
In addition, the present invention also proposes a kind of customer risk level management approach.
As shown in fig.6, being the flow diagram of customer risk level management approach first embodiment of the present invention.In this reality
It applies in example, the execution sequence of the step in flow chart shown in fig. 6 can change according to different requirements, and certain steps can be with
It omits.
Step S301, structure include the customer risk rating model of multiple financial systems.
Specifically, with the continuous extending dimensions of financing corporation, the financial business being related to is more and more, with certain large-scale finance
For group, the financial system which includes has, banking system, insurance system, security system, loan system etc.
Deng the corresponding financial business being related to has banking, insurance business, stock exchange transaction, loan transaction etc..The server 2
The customer risk rating model comprising multiple financial systems of structure includes all financial business involved by the group.
Step S302 obtains the business datum of the multiple financial system and is input to the customer risk rating model,
And unification processing is carried out to the business datum by the customer risk rating model, single Client view is generated to obtain
Business datum of the same client in the multiple financial system.
Specifically, the customer risk rating model comprising multiple financial systems includes platform in data set, first,
The server 2 converges each financial system, such as the business datum of banking system, insurance system, security system, loan system
Collect platform in data set.Secondly, the same client of data acquisition of the platform from the data set of the acquisition module 202 is upper
The data of multiple financial systems are stated, such as A client handled business in banking system and security system, then the acquisition module
202 obtain A client in the business datum of banking system and security system, that is, carry out data unification processing, generate client and industry
Mapping relations figure between data of being engaged in, that is, form single Client view.
Step S303, according to the single Client view extract the client each financial system risk class.
Specifically, each financial system is different for the risk class evaluation criteria of client, to customer data analysis
Definition also difference, therefore in the present embodiment, each financial system individually evaluates the risk rating of client.The packet
Customer risk rating model containing multiple financial systems includes that each financial system includes dedicated customer risk of industry etc.
Grade assessment models, customer risk grade of the single Client view data information of platform Jing Guo each financial system in data set
Assessment models obtain corresponding risk class.The server 2 is carried from the customer risk rating model comprising multiple financial systems
Take client in the risk class of each financial system.It is understood that because the risk class of the client of each financial system
Evaluation criteria is different, so the same client is possible to be different in the risk class of different financial systems, such as A visitors
Family is high risk in the risk class of banking system, is risk in the risk class of security system, and in the wind of insurance system
Dangerous grade is low-risk.
Step S304 is ranked up according to client in the risk class height of each financial system, with highest risk etc.
The ultimate risk grade of grade client the most.
Specifically, the server 2 to client each financial system risk class according to being just ranked up, and press
According to regard to high principle and risk principle of prudence, the ultimate risk grade using highest risk class as client.For example, B client
It is high risk in the risk class of banking system, is low-risk in the risk class of security system, in systems such as insurance systems
Risk class is low-risk, even if client is low-risk in the risk class of the systems such as security system, insurance system, but it is objective
Family is height in the risk class of banking system, is high risk etc. according to the risk class finally evaluated with regard to high principle, B client
Grade.For B client when buying the financial business such as insurance products, insurance system can take precautions against the industry that B client may bring in advance in this way
Business risk.
Step S305 shares client's ultimate risk that the customer risk rating model comprising multiple financial systems exports
Grade and the client each financial system risk class to terminal device 1 each financial system.
Specifically, client's ultimate risk grade that the customer risk rating model comprising multiple financial systems exports when described
When, the server 2 shares the ultimate risk grade of client to each financial system, while also by client in each financial body
The risk class of system is shared to each financial system so that the business personnel of each financial system can understand same client and exist in time
The risk class of different financial systems and the ultimate risk grade of the client realize that customer risk level data is shared, to
Business personnel can refer to client in the risk class of other financial systems, make better risk prevention.For example, A client
It is low in the risk class of loan system, when the risk class of banking system is high, when A client handles loan in loan system
When business, it is high that the business personnel for system of providing a loan can inquire A client in banking system risk class according to the pre-warning signal
Reason, and then determine whether A client meets and handle loan transaction.
In other embodiments of the invention, when the wind of the same client of the risk rating model of each financial system output
When dangerous grade is inconsistent, the server 2 shows corresponding prompt message.In the present embodiment, the pre-warning signal can be
But it is not limited to add label to the client, risk prevention is carried out with reminding business person.
In other embodiments of the invention, when client is when the risk class of some financial system is high, display is led
Cause the event of high-risk grade.For example, when client is assessed as high-risk grade in banking system because triggering high risk event,
Show the high risk event of client, e.g., client is inquired by public security organ, the tax authority, customs, freezes, detaining the event for drawing deposit.
S301-S305 through the above steps, the customer risk level management approach that the present embodiment is proposed, first, structure
Include the customer risk rating model of multiple financial systems;Then, obtain group under each financial system business datum into
The processing of row unification, generates single Client view;Further, the client is extracted each according to the single Client view
The risk class of financial system;Then, it is ranked up in the risk class height of each financial system according to client, with highest
The ultimate risk grade of risk class client the most;Finally, the customer risk grading mould comprising multiple financial systems is shared
Type output client's ultimate risk grade and the client each financial system risk class to terminal device 1 each gold
Melt body system so that the business personnel of each financial system can understand in time same client different financial systems risk class with
And the ultimate risk grade of the client, realize that customer risk level data is shared, to which business personnel can refer to client at other
The risk class of financial system makes better risk prevention.
As shown in fig. 7, being the flow diagram of the second embodiment of customer risk level management approach of the present invention.This implementation
In example, in above-mentioned first embodiment, what the shared customer risk rating model comprising multiple financial systems exported
After client's ultimate risk grade and the client are risk class to each financial system of each financial system the step of, also
Include the following steps:
Step S401, when receiving the service request of client, according to the single Client view judge client whether be
Otherwise new client skips to step S403 if not executing step S402.
Specifically, it will be recalled from above that in the first embodiment, the server 2 is by each financial system, such as bank's body
The business datum of system, insurance system, security system, loan system etc. is pooled to platform in data set and carries out at data unification
Reason, forms single Client view.Inevitably, each system can have new client to be added, even the new client of group.Cause
This, in the present embodiment, when the server 2 receives the service request of terminal device 1, according to the list of platform in data set
One Client view judges whether the client is new client, when platform includes the single Client view of the client in the data set
When, indicate that the client is that frequent customer indicates the client when the platform not single Client view of the client in the data set
For new client.Here new client refers to the new client of group, i.e., did not handle business in each system.
Step S402, if not new client, the automatic ultimate risk grade for showing client and the client are in each finance
The risk class of system.
Specifically, when the client is not new user, then show the customer risk rating model for including multiple financial systems
The risk class in the correspondence system for business of handling of the evaluated mistake client.The server 2 shows client most
The risk class of whole risk class and the client in each financial system.If the ultimate risk grade of client is high simultaneously,
Also show that risk class is high specific event.
Step S403 then assesses the risk etc. of the new client if new client according to the customer data of the new client
Grade.
Specifically, if the client is new client, that is, show that the client did not handle any business in group, then the clothes
Device 2 be engaged in by assessing the risk class of the client comprising the customer risk rating model of multiple financial systems, and shares to each
Financial system.
S401-S403 through the above steps, the customer risk level management approach that the present embodiment is proposed, additionally it is possible to when connecing
When receiving the service request of client, judge that client is the new client of group according to the single Client view;If not new client, from
The risk class of the ultimate risk grade of dynamic display client and the client in each financial system;If new client, then basis
The customer data of the new client assesses the risk class of the new client, realizes old and new customers's classification processing, improves risk
It takes precautions against.
As shown in figure 8, being the flow diagram of the second embodiment of customer risk level management approach of the present invention.This implementation
It is described that the client is extracted in each financial system according to the single Client view in above-mentioned first embodiment in example
The step of risk class, specifically comprises the following steps:
Step S501 extracts the personal information information of client.
Specifically, the personal information information of the platform extraction client from data set of the server 2, wherein the personal money
Material information includes but not limited to the name of client, gender, date of birth, type of credential, passport NO., the business etc. handled
Deng.
Step S502 is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence
Same client.
Specifically, it will be recalled from above that the same client of server identification group forms single Client view, but it is
It avoids the client of same name from generating to obscure, the server identifies same client according to certain rule.In the present embodiment,
The server 2 from the personal information information for extract client according to customer name, gender, date of birth, type of credential with
And five principle of correspondence of passport NO. identify same client, ensure that customer information is accurate.
Step is 503, according to the mapping relations of the client and each financial system business, generates single Client view.
Specifically, it will be recalled from above that the server 2 is by each financial system, such as banking system, insurance system, security
The business datum of system, loan system etc. is pooled to platform in data set.In one embodiment of this invention, the generation module
202 configurable crawlers capture business datum of the same client in above-mentioned multiple financial systems, form client and each gold
Melt the mapping relations of business system, and then the generation module 202 is according to the mapping of the client and each financial system business
Relationship generates single Client view.
S501-S503 through the above steps, the customer risk level management approach that the present embodiment is proposed, moreover it is possible to extraction visitor
The personal information information at family;It is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence
Same client;According to the mapping relations of the client and each financial system business, single Client view is generated, to ensure visitor
Family information is accurate.
The embodiments of the present invention are for illustration only, can 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 this understanding, technical scheme of the present invention substantially in other words does the prior art
Going out the part of contribution can be expressed in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are used so that a station terminal equipment (can be mobile phone, computer, clothes
Be engaged in device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
It these are only the preferred embodiment of the present invention, be not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of customer risk level management approach is applied to server, which is characterized in that the method includes the steps:
Structure includes the customer risk rating model of multiple financial systems;
It obtains the business datum of the multiple financial system and is input to the customer risk rating model;
The customer risk rating model carries out unification processing to the business datum, and it is same to obtain to generate single Client view
Business datum of one client in the multiple financial system;
According to the single Client view extract the client each financial system risk class;
It is ranked up in the risk class height of each financial system according to client, most using highest risk class as client
Whole risk class;And
The client's ultimate risk grade and the visitor that the shared customer risk rating model comprising multiple financial systems exports
Family each financial system risk class to terminal device each financial system.
2. customer risk level management approach as described in claim 1, which is characterized in that described shared described comprising multiple gold
Melt body system customer risk rating model output client's ultimate risk grade and the client each financial system risk
Further include following steps after the step of grade to each financial system:
When receiving the service request of client, judge whether client is new client according to the single Client view, wherein institute
State the service request that service request is any system in the multiple financial system;
If not the risk etc. of new client, the automatic ultimate risk grade for showing client and the client in each financial system
Grade;
If new client, then the risk class of the new client is assessed according to the customer data of the new client.
3. customer risk level management approach as described in claim 1, which is characterized in that described to be regarded according to the single client
Figure further includes following steps before extracting the client the risk class of each financial system the step of:
Extract the personal information information of client;
Same client is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence;
According to the mapping relations of the client and each financial system business, single Client view is generated.
4. customer risk level management approach as described in claim 1, which is characterized in that the method further includes walking as follows
Suddenly:
When the risk class for the same client that the risk rating model of each financial system exports is inconsistent, display is corresponding to be carried
Show information.
5. customer risk level management approach as described in claim 1, which is characterized in that the method further includes walking as follows
Suddenly:
When client is when the risk class of some financial system is high, display leads to the event of the high-risk grade.
6. a kind of server, which is characterized in that the server includes memory, processor, and being stored on the memory can
The customer risk hierarchical management system run on the processor, the customer risk hierarchical management system is by the processor
Following steps are realized when execution:
Structure includes the customer risk rating model of multiple financial systems;
It obtains the business datum of the multiple financial system and is input to the customer risk rating model;
The customer risk rating model carries out unification processing to the business datum, and it is same to obtain to generate single Client view
Business datum of one client in the multiple financial system;
According to the single Client view extract the client each financial system risk class;
It is ranked up in the risk class height of each financial system according to client, most using highest risk class as client
Whole risk class;And
The client's ultimate risk grade and the visitor that the shared customer risk rating model comprising multiple financial systems exports
Family each financial system risk class to terminal device each financial system.
7. server as claimed in claim 6, which is characterized in that the shared client's wind for including multiple financial systems
Client's ultimate risk grade of dangerous rating model output and the client each financial system risk class to each finance
Further include following steps after the step of system:
When receiving the service request of client, judge that client is new client according to the single Client view, wherein the industry
Business request is the service request of any system in the multiple financial system;
If not the risk etc. of new client, the automatic ultimate risk grade for showing client and the client in each financial system
Grade;
If new client, then the risk class of the new client is assessed according to the customer data of the new client.
8. server as claimed in claim 6, which is characterized in that described to extract the client according to the single Client view
Further include following steps before the risk class of each financial system the step of:
Extract the personal information information of client;
Same client is identified according to five name, gender, date of birth, type of credential and passport NO. principle of correspondence;
According to the mapping relations of the client and each financial system business, single Client view is generated.
9. server as claimed in claim 6, which is characterized in that the customer risk hierarchical management system is by the processor
When execution, following steps are also realized:
When the risk class for the same client that the risk rating model of each financial system exports is inconsistent, display is corresponding to be carried
Show information;
When client is when the risk class of some financial system is high, display leads to the event of high-risk grade.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has customer risk hierarchical management system
System, the customer risk hierarchical management system can be executed by least one processor, so that at least one processor executes
The step of customer risk level management approach as described in any one of claim 1-5.
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PCT/CN2018/089416 WO2019153598A1 (en) | 2018-02-07 | 2018-05-31 | Customer risk level management method, server and computer readable storage medium |
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WO2019153598A1 (en) | 2019-08-15 |
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