摘要
随着信用卡行业竞争日渐加剧,精准获客引流、减少用户流失成为营销关键.为了提升信用卡有效营销能力,从被动防控与主动挖掘角度提出了基于人工智能技术的解决方案.在被动防控上,通过人机识别模型可有效防控营销资源的恶意攻击;在主动挖掘上,基于营销响应模型可提高对目标客群的有效搜索能力.风险防控与精准挖掘的综合运用,可保障优质用户的营销红利,降低营销风险及营销成本,为信用卡安全精准营销提供解决思路.
Accurate access to customers and reducing user churn have become the key to credit card marketing with the increasing competition. In order to enhance the effective credit card marketing capabilitiesi a solution based on artificial intelligence technology is proposed from the perspective of passive prevention and active mining. In passive prevention, the model of human-machine recognition can effectively prevent and control malicious attacks on marketing resources, while in active mining, the precision marketing model can effectively promote the ability to search for target customers. The comprehensive application of risk prevention and precise mining can guarantee more marketing bonus for high-quality customersa as well as reduce marketing risk and costs,which provide a safe and efficient solution to credit card marketing.
作者
陈任峰
Chen Renfeng(China Unionpay Data Co.,Ltd,Shanghai 201201)
出处
《信息安全研究》
2018年第6期570-574,共5页
Journal of Information Security Research
关键词
人工智能
安全营销
人机识别
精准挖掘
信用卡分期
rtificial intelligence
security marketing
human machine behavior recognition
precisemining
credit card installment
