A method and system for intelligent recommendation of financial product

A technology for financial products and recommendation methods, applied in the field of data processing, can solve problems such as low recommendation accuracy, and achieve the effect of improving marketing efficiency and accuracy

Inactive Publication Date: 2019-02-12
深圳市和讯华谷信息技术有限公司
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0006] The embodiment of the present invention provides a financial product intelligent recommen...

Method used

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  • A method and system for intelligent recommendation of financial product
  • A method and system for intelligent recommendation of financial product
  • A method and system for intelligent recommendation of financial product

Examples

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Embodiment 1

[0046] see figure 1 , which is a flowchart of a method for intelligent recommendation of financial products provided by an embodiment of the present invention, the method includes:

[0047] S101. Collect user behavior data and credit investigation data.

[0048] Wherein, the premise of collecting various user data is that the user must be fully authorized. After the user is fully authorized, the necessary user behavior data and credit data can be collected.

[0049] In an embodiment of the present invention, the behavior data includes, but is not limited to, user location information and / or application installation preference information. The location information of the user may obtain the location information of the mobile terminal user based on location services (LBS). The application installation preference information includes the number of installations and uninstallations of application programs in the electronic device within a certain period of time, the number of t...

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Abstract

The embodiment of the invention relates to an intelligent recommendation method, comprising the following steps of: collecting the user behavior data and the credit information data; generating behavioral feature tags and credit information feature tags for users respectively; dividing the users into different user behavior groups and different user credit information groups according to the behavior characteristic tags and credit information characteristic tags respectively; calculating preference degrees of different user behavior groups according to behavior characteristic tags; calculatingthe matching degree of the wind control rules of different user credit information groups according to the credit information characteristic tag; combining the user behavior group preference and therisk control rule matching degree of the user credit group, and recommending the financial products for different users; based on the existing behavior data of the user, updating the behavior characteristic tags and the credit information characteristic tags respectively, redistributing the user group to which the user belongs, calculating the preference degree of the updated user group and the matching degree of the wind control rules, and optimizing the recommendation model automatically. The present invention further relates to an intelligent recommendation system.

Description

technical field [0001] The invention belongs to the field of data processing, and in particular relates to a financial product intelligent recommendation method and system. Background technique [0002] With the rapid development of Internet technology, personalized recommendation has become one of the indispensable network services in people's network life, and has also become the focus of the future development of Internet products. [0003] At present, there are mainly two methods for product recommendation: first, users set favorite interest tags according to their own interests, and the system makes recommendations for users according to the degree of matching between the recommended information and the user's interest tags. The second is that the user selects the category tags of interest in the already set categories according to their own interests, and the system makes recommendations for users according to the matching degree between the recommended information and...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06F16/9535
CPCG06Q40/02
Inventor 杨杰陈顺阳罗伟东
Owner 深圳市和讯华谷信息技术有限公司
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