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Method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent

A stochastic gradient descent, financial product technology, applied in finance, data processing applications, instruments, etc., to achieve the effect of good wealth distribution, good family asset allocation, and rigorous financial services

Active Publication Date: 2022-04-29
壹融站信息技术(深圳)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, the existing methods have great disadvantages in real financial-related e-commerce platform applications

Method used

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  • Method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent
  • Method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent
  • Method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent

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Embodiment 1

[0088] see figure 1 , figure 1 It shows the user-financial product selection tendency high-speed prediction device based on the momentum-accelerated stochastic gradient descent of the present invention, the device includes:

[0089] The data preprocessing module 510 is used to receive global user-household financial product scoring data, process the data into a data format that can be directly used in model training, and put the processed data into the data storage module 520 .

[0090] The data storage module 520 is used to store preprocessed input data, temporary variables generated during model prediction, values ​​corresponding to initialization units, and latent feature matrices obtained from final training.

[0091] The data initialization module 530 is used to initialize the latent feature matrix for model training.

[0092] The high-speed convergence direction selection module 540 is configured to receive the initialized latent feature matrix, and determine the high-...

Embodiment 2

[0128] see figure 2 , figure 2 It shows the user-financial product selection tendency high-speed prediction method based on momentum-accelerated stochastic gradient descent of the present invention, the method includes the following steps:

[0129] S1: The server collects user-financial product rating data. The user set on the platform is denoted as M, and the product set is denoted as N. Create a matrix of |M| rows and |N| columns as the user-financial product rating matrix R. Sent to users based on momentum-accelerated stochastic gradient descent-financial product selection tendency high-speed prediction device.

[0130] S2: Use the user-financial product rating data to initialize the corresponding latent feature matrix, and construct the objective function through known rating data and corresponding predicted values.

[0131] S3: Solve the objective function according to the established objective function, and find the gradient corresponding to the decision parameter to...

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Abstract

The invention discloses a method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent. The scoring matrix of the column; construct and initialize the latent feature matrix, and construct the solution objective function; determine the gradient of the decision parameter with the fastest convergence speed in the current update; determine whether the limit parameters of the prediction model for the gradient meet the conditions; determine whether the prediction model has reached convergence; After the prediction model reaches convergence, output the latent feature matrix obtained from training; use the obtained latent feature matrix to predict the missing values ​​in the scoring matrix. The present invention provides user-financial product selection tendency high-speed prediction results of momentum-accelerated stochastic gradient descent, provides personalized services for users, and quickly provides safe, reliable and rigorous financial services for potential users in the family financial e-commerce platform.

Description

technical field [0001] The invention relates to the technical field of computer data processing, in particular to a method and device for high-speed prediction of user-financial product selection tendency based on momentum-accelerated stochastic gradient descent. Background technique [0002] With the rapid development of computer technology and the active development of social economy, financial e-commerce platforms have penetrated into our lives. More and more users choose different financial products for investment through the financial e-commerce platform. Usually, users will make corresponding evaluations through investment reports and personal experience after purchasing products on the financial platform. Therefore, a user-oriented e-commerce consumption model has been formed. However, with the increasing maturity of financial platforms and the sharp increase in the number of financial products, users cannot choose their favorite products among the many financial pro...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q30/02G06Q40/00G06F17/15G06F17/16
CPCG06Q30/0202G06Q40/00G06F17/16G06F17/15
Inventor 冯锦刚秦雯罗辛廖殷
Owner 壹融站信息技术(深圳)有限公司