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Customer classification method and device

A classification method and customer technology, applied in the field of data processing, can solve the problems of ineffective maintenance of customers, intelligent expansion in batches, difficult resources for customer groups, etc., and achieve the effect of good customer service potential.

Pending Publication Date: 2022-04-12
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0003] At present, this part of customers cannot be effectively maintained and intelligently expanded in batches through traditional account manager channels, and it is difficult for such a large-scale customer base to fully invest in resources. Future development potential and various characteristics, so as to achieve the effect of thousands of people and release customer value

Method used

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  • Customer classification method and device
  • Customer classification method and device
  • Customer classification method and device

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Embodiment Construction

[0050] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0051] The present invention provides a customer classification method, such as figure 1 shown, which includes:

[0052] Step S101, obtaining the bank historical data of the customer to be predicted;

[0053] Step S102, using the pre-trained LightGBM model and the bank historical data of the customer to be predicted to determine the potential value of the customer to be predicted; wherein, the pre-trained LightGBM model is determined by using historical bank ...

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Abstract

The invention provides a customer classification method and device, and relates to the financial field, and the method comprises the steps: obtaining the bank historical data of a to-be-predicted customer; determining a potential value of the to-be-predicted customer by using a pre-trained LightGBM model and bank historical data of the to-be-predicted customer; and classifying the clients according to the determined to-be-predicted client potential value. The method comprises the following steps: determining a potential value of a to-be-predicted customer by using a pre-trained LightGBM model and bank historical data of the to-be-predicted customer; and classifying the clients according to the determined to-be-predicted client potential value. The customer service potential can be well predicted, hierarchical services are provided for customers, and the customers with different prediction probabilities are divided into different categories.

Description

technical field [0001] The invention relates to data processing technology, specifically a method and device for classifying customers. Background technique [0002] Bank long-tail customers refer to the bank customer groups that are owned by individuals and have relatively small assets at their disposal, but this group has a large number of customers. At present, long-tail customers of banks account for 85% of all customers. It can be seen that long-tail customers Contains a huge service value. [0003] At present, this part of customers cannot be effectively maintained and intelligently expanded in batches through traditional account manager channels, and it is difficult for such a large-scale customer base to fully invest in resources. Future development potential and various characteristics, so as to achieve the effect of thousands of people and release customer value. Contents of the invention [0004] Aiming at the defects of customer classification in the prior ar...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/62
Inventor 刘恒
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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