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User business preference assessing method, user investment risk preference assessing method and user business preference assessing device

A risk preference, user technology, applied in the Internet field

Inactive Publication Date: 2017-10-10
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of the above problems, the embodiment of the present application provides a method for evaluating a user's business operation preference, which is used to solve the problem of subjectively evaluating a user's preference for a certain business in the prior art

Method used

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  • User business preference assessing method, user investment risk preference assessing method and user business preference assessing device
  • User business preference assessing method, user investment risk preference assessing method and user business preference assessing device
  • User business preference assessing method, user investment risk preference assessing method and user business preference assessing device

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Experimental program
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Embodiment 1

[0049] Embodiment 1 provides a method for evaluating a user's service preference, which is used to objectively evaluate the user's preference for a certain service. The flow chart of the method is shown in figure 1 shown, including the following steps:

[0050] Step 11: Obtain a feature vector generated by the user in the business operation, where the constituent elements of the feature vector include at least one service preference index value generated by the user in the business operation.

[0051] In the step, first, determine the eigenvector generated by the user in the business operation, the elements on the corresponding dimension in the eigenvector include the service preference index value generated by the user in the business operation, and also include the user’s non-business operation The characteristic value in , for example, the characteristic value of the user in the non-business operation can identify the user's gender, age, monthly income or savings and so on...

Embodiment 2

[0114] Embodiment 1 provides a method for evaluating user preference. Based on the same inventive concept, this embodiment of the present application provides a method for evaluating user's investment risk preference, which is used to objectively evaluate the user's preference for a certain investment risk. The flow chart of the method is shown in figure 2 shown, including the following steps:

[0115] Step 21: Acquiring a feature vector generated by the user in the investment operation, the constituent elements of the feature vector include at least one investment risk preference index value generated by the user in the investment operation.

[0116] In the steps, the method of obtaining the feature vector generated by the user in the investment operation is the same as or similar to the method of obtaining the feature vector generated by the user in the business operation in Embodiment 1, and will not be described in detail here.

[0117] In the embodiment of the present a...

Embodiment 3

[0123] Embodiment 1 provides a method for evaluating a user's service preference. Correspondingly, this embodiment of the present application provides an apparatus for evaluating a user's service preference, which is used to objectively evaluate a user's preference for a certain service. The schematic diagram of the device is shown in Figure 4, and the device specifically includes:

[0124] An acquisition unit 31 and an evaluation unit 32, wherein;

[0125] The acquiring unit 31 may be configured to acquire a feature vector generated by the user during business operations, where elements of the feature vector include at least one service preference index value generated by the user during the business operation;

[0126] The evaluation unit 32 may be configured to process the feature vector according to preset rules to obtain the user's preference degree for the service operation, and evaluate the user's preference for the service operation according to the preference degree ...

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Abstract

The application discloses a user business preference assessing method, a user investment risk preference assessing method and a user business preference assessing device. The method comprises the following steps: characteristic vectors that are generated when business operation is performed by a user are obtained; composing elements of the characteristic vectors comprise at least one business preference index value which is generated when the business operation is performed by the user; the characteristic vectors are processed according to preset rules, a degree of preference of the user toward the business operation is obtained, preference of the user toward business can be assessed according to the degree of preference, and the preset rules are obtained via training through the characteristic vectors that are generated when the business operation is performed by the user and the degree of preference of the user toward the business. According to the user business preference assessing method, the user investment risk preference assessing method and the user business preference assessing device disclosed in an embodiment of the application, the characteristic vectors that are generated when the business operation is performed by the user are obtained, and therefore the degree of preference of the user toward the business can be obtained; the degree of preference can objectively reflect the reference of the user toward the business.

Description

technical field [0001] The present application relates to the field of Internet technologies, in particular to methods and devices for evaluating user business preferences and user investment risk preferences. Background technique [0002] At present, in most service industries, in order to improve service quality, users' preference for a certain service is usually evaluated through questionnaire survey, and then the service quality is targetedly improved according to the survey results. For example, banks or other financial institutions will first obtain users' preferences for investment risks or tolerance for investment risks through questionnaire surveys, and then formulate financial products that are more in line with users' investment habits based on the survey results. [0003] The above-mentioned existing technology can sometimes accurately obtain the user's preference for a certain service through the questionnaire survey, but the obtained survey results usually only...

Claims

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Application Information

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IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 丁杨王婧孙思哲
Owner ALIBABA GRP HLDG LTD
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