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Online banking user portrait drawing method and equipment based on user behavior analysis

A behavioral analysis and behavioral technology, applied in marketing, data processing applications, instruments, etc., can solve problems such as time-consuming, labor-intensive, financially consuming, and difficulty in promoting financial products to intended customers

Inactive Publication Date: 2016-10-26
BEIJING WISEWEB TECH
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Problems solved by technology

For customers, each wealth management product has its own characteristics. Reading product manuals one by one is not only time-consuming and laborious, but also difficult to find the product that suits them.
For banks, in the face of many differentiated users, sending the same product promotion information in a unified way will not only consume a lot of financial resources, but also be easily complained as spam; promoting suitable financial products to potential customers is becoming more and more Disaster

Method used

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  • Online banking user portrait drawing method and equipment based on user behavior analysis

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Embodiment Construction

[0021] The online banking user portrait method based on user behavior analysis of the present invention comprises the following steps:

[0022] A) Extract feature tags: Extract keywords representing product features from financial product brochures as feature tags, such as: issuer, issue time, term, expected return, investment threshold, user-oriented, dividend distribution method, etc. And assign an initial score and an initial weighted value to each feature label, and the set of all feature labels constitutes a label database.

[0023] B) Web page labeling: extract feature points of online banking visual pages, and select at least one feature label from the label database to map to feature points; one feature point can be mapped to one feature label, or multiple feature labels can be mapped. The feature points are all area units on the visible page that can affect the user's attention, such as text, icon, frame, operation prompt, information window and so on. These regional...

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Abstract

The invention relates to a user portrait drawing method and user portrait drawing equipment, in particular to a method and equipment for acquiring user portrait data through analyzing network surfing behaviors of online banking users. According to the user portrait drawing method and the user portrait drawing equipment, weighted scores of webpage feature points are obtained through analyzing network surfing behaviors of the online banking users, feature tags of the feature points with high scores are counted, user portrait data can be obtained, feature indexes such as user information, behaviors, financial management preferences and risk tolerance are subjected to quantification processing, so that user groups can be classified for portrait drawing from multiple dimensions, thus financial enterprises can have a more intuitive understanding of requirements of the users for various kinds of different products, and send product promotion information in a targeted manner.

Description

technical field [0001] The present invention relates to a user portrait method and equipment, in particular to an online banking user portrait method and equipment based on user behavior analysis. Background technique [0002] With the continuous introduction of new Internet financial products, various products with different characteristics have hit the sight of users, and users who purchase wealth management products are becoming more and more diverse. For customers, each wealth management product has its own characteristics. It is not only time-consuming and laborious to read product manuals one by one, but it is also not easy to find the product that suits them. For banks, in the face of many differentiated users, sending the same product promotion information in a unified way will not only consume a lot of financial resources, but also be easily complained as spam; promoting suitable financial products to potential customers is becoming more and more difficult. Theref...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06Q40/02
CPCG06Q30/0224G06Q40/02
Inventor 莫倩王拓宇王升李阳
Owner BEIJING WISEWEB TECH
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