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Financial product pricing method and device based on price sensitive model and electronic equipment

A technology of sensitive models and financial products, applied in finance, other database retrieval, forecasting, etc., can solve problems such as lack, and achieve the effect of increasing revenue

Pending Publication Date: 2019-10-22
上海淇毓信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the existing technology lacks specific and executable measures. While adjusting the pricing of financial products, it can increase the user's mobile payment rate and bring ideal benefits.

Method used

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  • Financial product pricing method and device based on price sensitive model and electronic equipment
  • Financial product pricing method and device based on price sensitive model and electronic equipment
  • Financial product pricing method and device based on price sensitive model and electronic equipment

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Embodiment Construction

[0038] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. However, example embodiments may be embodied in many forms, and this invention should not be construed as limited to the embodiments set forth herein. On the contrary, providing these exemplary embodiments can make the present invention more comprehensive and complete, and facilitate the full transfer of the inventive concept to those skilled in the art. The same reference numerals denote the same or similar elements, components or parts in the drawings, and thus their repeated descriptions will be omitted.

[0039] On the premise of conforming to the technical concept of the present invention, the features, structures, characteristics or other details described in a specific embodiment do not exclude that they can be combined in one or more other embodiments in a suitable manner.

[0040] In the description of the specific embodiments, the featu...

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PUM

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Abstract

The invention discloses a financial product pricing method and device based on a price sensitive model, electronic equipment and a computer readable medium. The method comprises the steps: obtaining the feature data of a stock user, wherein the stock user is a user who does not clear borrowing; inputting the stock user characteristic data and the price adjustment amount into a price sensitive model, and predicting the dynamic expenditure probability of the user, the price sensitive model being used for predicting the dynamic expenditure probability of the stock user after price adjustment according to the price adjustment amount; screening out a target user based on the dynamic support probability; and determining a financial product price of the target user according to the price adjustment amount. According to the invention, the dynamic expenditure probability of the stock user after pricing of the financial product can be predicted and adjusted through the price sensitive model, andthe pricing of some users is changed to increase the income under the conditions that the remaining balance is not influenced and the user has weak perception on the price.

Description

technical field [0001] The present invention relates to the field of computer information processing, in particular to a pricing method, device, electronic equipment and computer-readable medium for financial products based on a price-sensitive model. Background technique [0002] After the user borrows money, the Internet financial platform will adjust the pricing of financial products according to the user's borrowing behavior to optimize the overall balance retention and income. If users with a strong sense of price adjust the pricing of financial products, the benefits will be very unsatisfactory. In severe cases, arbitrary adjustments to the pricing of financial products will lead to the loss of customers. [0003] For existing users with balances, some of whom have weak price perception, the Internet financial platform intends to adjust the pricing of financial products for these users, thereby bringing benefits. [0004] However, the existing technology lacks specifi...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q30/02G06Q10/04G06F16/903
CPCG06Q10/04G06Q30/0206G06F16/90335G06Q40/03
Inventor 陈睿楠
Owner 上海淇毓信息科技有限公司