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Intelligent financing service recommendation method and system

A service recommendation and intelligent technology, applied in finance, instruments, biological neural network models, etc., can solve problems such as high risk, low efficiency of manual recommendation, high error rate, etc., to reduce workload, improve recommendation success rate, and improve efficiency Effect

Inactive Publication Date: 2018-10-26
上海钱智金融信息服务有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The purpose of this application is to provide an intelligent financing service recommendation method and its system, through technical means to solve the problems of low efficiency, high error rate and high risk of traditional manual recommendation

Method used

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  • Intelligent financing service recommendation method and system

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Embodiment Construction

[0022] In the following description, many technical details are proposed in order to enable readers to better understand the application. However, those skilled in the art can understand that the technical solutions claimed in this application can be realized even without these technical details and various changes and modifications based on the following implementation modes.

[0023] Explanation of some concepts:

[0024] ROC curve: According to a series of different binary classification methods (cutoff value or threshold), the curve is drawn with the true positive rate (sensitivity) as the ordinate and the false positive rate (1-specificity) as the abscissa

[0025] AUC area: the area under the ROC curve

[0026] F1 value: the harmonic mean of precision and recall

[0027] The following outlines some innovations of the application

[0028] The embodiment of the present application uses historical data to train the logistic regression model, the decision tree model and t...

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Abstract

The invention relates to the technical field of financial service computers, and discloses an intelligent financing service recommendation method and system. According to the method, historical data is used for training a logistic regression model, a decision tree model and a support vector machine model; then the predicted probability values of the outputs of the three models are used as eigenvalues to be input into a neural network for performing secondary training; after the training is completed, the logic regression model, the decision tree model, the support vector machine model and theneural network form a multi-model fusion system so as to predict a success probability of matching a specific customer demand with a specific financing product; and the financing product is recommended to the customer demand according to the success probability, so that the recommendation success rate can be greatly improved.

Description

technical field [0001] This application relates to the field of financial service computer technology, in particular to intelligent financing service recommendation technology. Background technique [0002] In recent years, in the field of financial technology, smart financial advisors (smart financial advisors) have become increasingly popular. Smart financial advice can also be understood as robot financial management. It is a virtual robot based on the customer's own financial needs, through data algorithms and products to complete the financial advisory services provided manually in the past. [0003] Furthermore, intelligent financial advice is also a kind of intelligent recommendation, and its essence is to recommend suitable financing products to customers based on their historical financing information and behavior. With the continuous expansion of the Internet, the ubiquity of the mobile Internet, and the increasing number of financing products, in the face of a va...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06N3/02
CPCG06N3/02G06Q40/06
Inventor 陈晓华孙永林侯冬冬邹睿
Owner 上海钱智金融信息服务有限公司
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