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Financial product prediction device and financial product prediction method

A technology for financial products and forecasting devices, applied in the fields of finance, reservations, instruments, etc., can solve the problems of not considering wealth management products, products that are difficult to recommend to customers, etc., and achieve the effect of improving retrieval efficiency and reducing cumbersome operations.

Inactive Publication Date: 2017-08-11
HITACHI LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The method in Patent Document 1 does not consider the relationship between specific financial products and customer preferences, and it is still difficult to recommend products suitable for customers

Method used

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  • Financial product prediction device and financial product prediction method
  • Financial product prediction device and financial product prediction method
  • Financial product prediction device and financial product prediction method

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Experimental program
Comparison scheme
Effect test

no. 1 approach

[0020] The financial product forecasting device involved in the present invention is used to recommend the predicted combination of financial products suitable for customer characteristics. The financial product forecasting device can be installed in a financial product forecasting system including a client end, a transport layer, and a server end. The financial product forecasting device can be centrally or distributedly installed in each constituent element of the financial product forecasting system.

[0021] For example, when the client of the financial product forecasting system is a mobile terminal, the financial product forecasting device involved in the present invention can also be installed in the customer's mobile terminal, and output the recommended financial product to the customer through the interface of the mobile terminal The combination.

[0022] figure 1 It is a block diagram showing the configuration of the financial product prediction device according to...

no. 2 approach

[0078] In the second embodiment, in addition to the various functions described in the first embodiment, the financial product prediction device also has a self-learning dynamic correction module, which can correct the current customer evaluation index based on the execution results of the previous cycle . The following description will mainly focus on the differences between the second embodiment and the first embodiment, and redundant descriptions will be appropriately omitted.

[0079] image 3 It is a block diagram showing the configuration of a financial product forecasting device according to the second embodiment of the present invention.

[0080] Such as image 3 As shown, the financial product prediction device 100' includes a customer data analysis unit 10, a financial product analysis unit 20, a financial product combination selection unit 30, and a self-learning dynamic correction unit 40.

[0081] The customer data analysis unit 10 obtains basic customer data a...

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Abstract

The invention provides a financial product forecasting device capable of automatically outputting financial product combinations suitable for customers, thereby improving the retrieval efficiency of financial products. Including: a customer data analysis unit, which obtains basic customer data and customer financial preference data, assigns weights to each of the above-mentioned customer basic data and customer financial preference data obtained, and calculates and matches the above-mentioned customer basic data and the above-mentioned customer financial preference data The financial product analysis unit obtains the respective characteristic parameters of multiple financial products, and obtains the financial product evaluation indexes of each financial product based on the obtained characteristic parameters; The difference between the evaluation indicators of each of the above financial products, select a financial product that matches the customer evaluation indicators from a plurality of financial products, and output the selected financial product as a forecasted product combination.

Description

technical field [0001] The invention relates to a financial product prediction device and a financial product prediction method for automatically recommending financial products. Background technique [0002] At present, Internet banking has been developed, and the method of purchasing financial products provided by financial institutions through equipment such as client terminals connected to the Internet has become popular. [0003] Financial institutions can provide customers with a variety of financial products with a specified cycle, such as time deposits, funds, wealth management products, etc., and, according to the cycle and content of financial products, there are multiple financial products of the same type in the same period. Based on the above situation, when customers choose financial products on the client terminal or interface, they often need to select the category of financial products first, and then continue to choose from many products on the interface of...

Claims

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Application Information

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IPC IPC(8): G06Q10/02G06Q40/06
CPCG06Q10/02G06Q40/06
Inventor 王园萍姜可
Owner HITACHI LTD
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