Intelligent product recommendation method and device

A technology of recommending method and recommending device

Active Publication Date: 2019-11-05
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
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  • Claims
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Problems solved by technology

[0008] This application provides an intelligent product recommendation method to at least solve the problem in the prior art that the product recommendation is not accurate enough to achieve precise marketing when selling products to customers

Method used

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  • Intelligent product recommendation method and device
  • Intelligent product recommendation method and device
  • Intelligent product recommendation method and device

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Embodiment Construction

[0065] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0066] In the existing technology, the marketing of financial products mainly relies on the personal experience of account managers to judge target customers, and makes product matching recommendations to target customers based on experience and understanding of customers and products, and the current financial product classification is mainly from Classification from the perspective of product design or accounting subjects, but lack of a marketing-oriented pro...

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Abstract

The invention provides an intelligent product recommendation method and device, and the method comprises the steps: carrying out the preprocessing of a pre-selected product set and a customer set, andobtaining a matching relation between a customer and a product; calculating the adhesion degree of the customer and the product according to the matching relationship, and constructing an adhesion degree matrix of the customer and the product; calculating the similarity between customers in the customer set, and constructing a customer similarity matrix; utilizing the customer similarity matrix to calculate a similar customer set through a nearest neighbor algorithm; and calculating a recommended product set by using the similar customer set, the customer similarity matrix and the adhesion matrix through a collaborative filtering and correlation analysis hybrid algorithm. According to the method, the problem that the customer is sold only by relying on sales manager experience at presentis solved, financial product marketing recommendation with the customer as the center is achieved, and meanwhile the cold start problem of recommending a new customer or recommending a new product tothe customer is also solved.

Description

technical field [0001] The present application relates to the field of customer product marketing recommendation in financial services, and specifically relates to an intelligent recommendation method and device for financial products. Background technique [0002] Banks have a wide variety of personal financial products, and individual customers have different needs. Account managers make important contributions to the improvement of customer assets in terms of maintaining customers and marketing products. Therefore, under the new situation of changing customer subjects, distribution, and behavior patterns, and the rapid development of financial technology, how to find out what is the next product that customers are most likely to need, how to calculate the stickiness between customers and products, and how to group and discover customers Similar to customers, how to learn and strengthen the customer manager's marketing ability preference, how to market the right products t...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q40/02
CPCG06Q30/0631G06Q40/02
Inventor 刘铁李祯高婕孙军平
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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