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Method and system for pushing financial products in customized mode

A financial product and financial technology, applied in the computer field, can solve problems such as inability to push, poor user experience, and lack of financial management methods, and achieve the effect of improving recommendation accuracy and user experience.

Inactive Publication Date: 2019-09-27
SHANGHAI PPDAI FINANCE INFORMATION SERVICE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

The disadvantage of this method is that it is impossible to push financial products that match their own purchasing needs and purchasing capabilities to users with different financial needs, and the user experience is not good. result

Method used

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  • Method and system for pushing financial products in customized mode
  • Method and system for pushing financial products in customized mode

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Experimental program
Comparison scheme
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Embodiment 1

[0063] This embodiment provides a method for customizing and pushing financial products, which belongs to the field of computer technology and is applicable to financial product recommendation business scenarios.

[0064] A method for customizing and pushing financial products provided in this embodiment includes at least the following steps:

[0065] S1. Classify the financial products in the financial platform according to the dimensions of risk, income and cycle, and obtain the classification results of financial products.

[0066] A financial product can be characterized or classified from multiple dimensions, such as risk, return, and cycle. Specifically, it can be divided into high-risk, medium-risk, low-risk, high-yield, medium-yield, low-yield, long-term, medium-cycle, and short-term. Periodic, current and other types.

[0067] When classifying, the risk level, income level and cycle length of financial products can be judged by setting corresponding algorithms or cla...

Embodiment 2

[0118] In order to implement a method for customizing and pushing financial products in the first embodiment above, this embodiment provides a system for customizing and pushing financial products.

[0119] figure 2 Schematic diagram of the system for pushing financial products for this customization, such as figure 2 As shown, the system 100 includes at least:

[0120] Financial product classification module 1: used to classify financial products in the financial platform according to risk, income and cycle dimensions;

[0121] User information acquisition module 2: used to acquire user information of financial platform users;

[0122] Labeling module 3: used to label users through pre-trained classification models based on user information;

[0123] Recommendation module 4: It is used to recommend corresponding products to users through the pre-built financial product recommendation model according to the tagging results;

[0124] Among them, user information includes at...

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Abstract

The invention discloses a method and system for pushing financial products in a customized mode, and belongs to the technical field of computers, and the method at least comprises the following steps: classifying financial products in a financial platform, and obtaining a financial product classification result; obtaining user information of a financial platform user; based on the user information, labeling the user through a pre-trained classification model, and obtaining a user labeling result; and according to the labeling result, recommending a corresponding product to the user through a pre-constructed financial product recommendation model. According to the method, multi-dimensional analysis and labeling of application program installation and use, operation behaviors of a user on a financial platform, asset distribution conditions of the user on the financial platform and the like are carried out on the user of the financial platform; the risk preference and financial management mode of the user are comprehensively considered, and the classification marking result is matched with the financial products classified in advance, so that the financial products are recommended to the financial platform user in a customized mode, the recommendation accuracy is improved, and the user experience is improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a method and system for customizing and pushing financial products. Background technique [0002] With the development of Internet financial platforms, the general public began to slowly accept Internet financial management as a new financial management method, but most users still have a low acceptance of Internet products due to their own cultural level and lack of product-related knowledge. [0003] At this stage, most financial companies use investment questionnaires to recommend products to users by simply collecting users' investment intentions and roughly judging investment risks. The disadvantage of this method is that it is impossible to push financial products that match their own purchasing needs and purchasing capabilities to users with different financial needs, and the user experience is not good. result. [0004] Therefore, it is an urgent problem to be...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/9535G06Q40/00
CPCG06Q40/00G06F16/9535
Inventor 杨帅李铁铮
Owner SHANGHAI PPDAI FINANCE INFORMATION SERVICE CO LTD
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