Method and device for recommending cash goods, equipment and storage medium

A cash and commodity technology, applied in the Internet field, can solve the problems of manually modifying the amount and period, low accuracy rate, and no solution proposed, so as to achieve the effect of improving user experience, recommendation accuracy and profitability

Inactive Publication Date: 2018-01-12
SHENZHEN LEXIN SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The above method 1, although it can theoretically maximize the company's interests, is actually not the choice of most users in most cases. When there is a large deviation from the actual amount and period selected by the user, the user needs to manually modify the amount and period. Number of installments; the second method above, because different users have different borrowing needs and repayment willingness, so the actual most frequently occurring amount and number of installments cannot represent the user's choice, so the accuracy rate is not high
[0004] For the above problems, no effective solution has been proposed

Method used

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  • Method and device for recommending cash goods, equipment and storage medium
  • Method and device for recommending cash goods, equipment and storage medium
  • Method and device for recommending cash goods, equipment and storage medium

Examples

Experimental program
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Effect test

Embodiment 1

[0044] Figure 1a It is a flow chart of a method for recommending cash commodities provided by Embodiment 1 of the present invention. This embodiment is applicable to recommending suitable cash commodities to users. This method can be executed by a device for recommending cash commodities. The device can Realized by means of software and / or hardware, the device can be configured in a terminal, such as a typical mobile phone, computer, tablet computer, and the like. Such as Figure 1a As shown, the method specifically includes the following steps:

[0045] Step S110, obtaining a plurality of predetermined positive samples and negative samples composed of cash commodities purchased by multiple users;

[0046] Among them, the cash commodity appears with the development of Internet finance. Optionally, the parameters of the cash commodity include the amount and the number of periods. Correspondingly, the positive sample is the combination of the amount selected in the cash commodi...

Embodiment 2

[0080] figure 2 It is a flow chart of a method for recommending cash commodities provided by Embodiment 2 of the present invention. This embodiment is applicable to recommending suitable cash commodities to users. The method can be executed by a device for recommending cash commodities. The device can Realized by means of software and / or hardware, the device can be configured in a terminal, such as a typical mobile phone, computer, tablet computer, and the like. Such as figure 2 As shown, the method specifically includes the following steps:

[0081] Step S210, screening users who meet preset conditions;

[0082] Among them, by screening users, the group that recommends cash products is more targeted.

[0083] Step S220, obtaining a plurality of predetermined positive samples and negative samples composed of cash commodities purchased by multiple users;

[0084] Among them, the parameters of the cash product include the amount and the number of periods. Correspondingly, ...

Embodiment 3

[0095] image 3 It is a schematic structural diagram of a device for recommending cash products provided by Embodiment 3 of the present invention. This embodiment is applicable to recommending suitable cash products to users. The device can be implemented in the form of software and / or hardware. The device It can be configured in a terminal, such as a typical mobile phone, computer, tablet computer, etc. Such as image 3 As shown, the device specifically includes:

[0096] A positive and negative sample acquisition module 310, configured to acquire a plurality of predetermined positive samples and negative samples composed of cash commodities purchased by multiple users;

[0097] Optionally, the parameters of the cash product include the amount and the number of periods. Correspondingly, the positive sample is the combination of the selected amount and the number of periods in the cash product purchased by the user, and the negative sample is the unselected amount and period...

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PUM

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Abstract

The invention discloses a method and device for recommending cash goods, equipment and a storage medium. The method comprises the steps of obtaining multiple pre-determined positive samples and negative samples composed of cash goods purchased by multiple users; collocating preset user feature information with the positive samples and the negative samples correspondingly and generating a target training set; adopting a binary classifier algorithm, and training a preset mathematical model according to the target training set to obtain a training model; obtaining user feature information of a user to be predicted, inputting the user feature information as an input variable into the training model, and outputting an ordering result of cash goods corresponding to the user to be predicted. According to the method and device for recommending the cash goods, the equipment and the storage medium, the problem is solved that the cash goods recommended for the user are largely deviated from the cashed goods actually purchased by the user, the recommendation accuracy is improved, the profit is increased, and the user experience is improved.

Description

technical field [0001] The embodiments of the present invention relate to Internet technologies, and in particular to a method, device, equipment and storage medium for recommending cash commodities. Background technique [0002] With the development of Internet finance, cash products have appeared, such as cash withdrawal, credit card repayment, etc. There are two main uncertainties in the above commodities: the amount and the number of periods. When the user faces the cash product page, how to provide a suitable combination of the amount and the number of periods according to the user's characteristics. Currently, there are two main processing methods: First, adopt the method of business rules, such as according to the method of maximizing the profit of the user company, use the maximum loanable amount as the recommended amount, and use the maximum number of periods as the recommended number of periods; second, the method of hot sales, according to the most frequently occu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q30/06G06Q30/02
Inventor 吴志坚
Owner SHENZHEN LEXIN SOFTWARE TECH CO LTD
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