Online bank marketing method and device based on user behavior analysis

Abstract

The embodiment of the invention discloses an online bank marketing method and device based on user behavior analysis. The online bank marketing method comprises the steps of acquiring user behavior records; performing user behavior analysis based on the user behavior records, and determining behavior characteristics of users; dividing different user types according to the behavior characteristicsof the users; generating user attribute tags corresponding to different user types according to basic portrait information of the users; determining a banking service matched with a target user according to the user types, the user attribute tags, a service preference application model and a customer-based pricing model, and recommending the banking service to the target user. More customers can be won for the online bank.

Description

technical field [0001] The invention relates to the technical field of information processing, in particular to an online banking marketing method and device based on user behavior analysis. Background technique [0002] Online banking is a virtual counter set up by banks on the Internet. Banks use network technology to provide customers with traditional services such as account opening, account cancellation, inquiry, account reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management, etc. , so that customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home. [0003] At present, there are the following problems in online banking. First, because there are too many online banking menus, customers cannot find the menu they want to click at the first time; I feel dazzled when I need banking services and have no way to choose; again, because ...

AI Technical Summary

Problems solved by technology

[0003] At present, there are the following problems in online banking. First, because there are too many online banking menus, customers cannot find the menu they want to click at the first time; I feel dazzled when I need banking services and have no choice; again, because the menu display and function pages of online banking are the same, it makes customers feel boring and cannot meet the personalized needs of customers.

However, various financial derivative products launched by Internet companies, such as Yu'ebao, Fundbao, Yidaibao, etc., have brought customers a better experience. Therefore, they are more and more favored by customers, resulting in the loss of online banking customers.

Moreover, based on the current online banking, the banking system cannot know what functions customers like, what functions have never been cared about since they were put into production, what rate of return has been generated by the investment in online banking, and whether the advertisements placed have produced the due benefits , Moreover, the banking system cannot deeply involve the banking business in people's daily behaviors, for example, it cannot better combine the banking business with tourism, insurance, car sales, house purchase needs, and bill payment services to strive for more customers, generate more profit

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