Mobile banking marketing customer screening method fusing multiple machine learning models

A machine learning model and mobile banking technology, applied in marketing, integrated learning, instruments, etc., can solve problems such as insufficient precision, and achieve the effect of improving corporate profits, increasing customer activity, and promoting loyalty

Pending Publication Date: 2020-09-04
深圳索信达数据技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] To sum up, the purpose of the present invention is to solve the technical problem of insufficient precision in the data processing method of mobile banking promotion and precision marketing in the existing banking industry, and propose a mobile phone that integrates multiple machine learning models Bank Marketing Customer Screening Method

Method used

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  • Mobile banking marketing customer screening method fusing multiple machine learning models
  • Mobile banking marketing customer screening method fusing multiple machine learning models
  • Mobile banking marketing customer screening method fusing multiple machine learning models

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Embodiment Construction

[0036] The method of the present invention will be further described below in conjunction with the accompanying drawings and preferred specific embodiments of the present invention.

[0037] refer to figure 1 As shown in the present invention, a mobile banking marketing customer screening method that integrates multiple machine learning models includes the following steps:

[0038] Step S1, data preparation, including acquisition of customer social attributes, financial product holdings, bank-related business opening and usage tag data, mobile banking historical usage data and mobile banking marketing records;

[0039] Step S2, active label generation, according to the mobile banking marketing records, distinguish the customer's mobile banking transactions into active active transactions and marketing response transactions, and then mark whether the customer is active and marketing responsive;

[0040] According to the marketing records of mobile banking, the specific method ...

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Abstract

The invention discloses a mobile banking marketing customer screening method fusing multiple machine learning models, relates to the technical field of financial data screening processing, and solvesthe technical problem of insufficient precision degree of a data processing method for mobile banking activity promotion precision marketing in the existing banking industry, and the mobile banking marketing customer screening method comprises the following steps of S1, carrying out data preparation; s2, generating an active label; s3, enabling the data to meet the requirements of entering the model; s4, performing training, testing and predicting by adopting an active customer identification model and a marketing response customer identification model; s5, calculating the matching degree of the customer asset grade score and the marketing activity; s6, calculating a customer marketing value in combination with the active activity probability, the marketing response probability, the assetlevel and the marketing activity matching degree; s7, sorting the clients according to the marketing values of the clients from high to low, and screening out the clients with high marketing values. Customer data with high marketing value can be accurately screened out.

Description

technical field [0001] The invention relates to the technical field of financial data screening and processing, in particular to the precise screening processing of financial service data of mobile banking. Background technique [0002] With the development of technologies such as mobile Internet, big data and artificial intelligence, financial technology provides customers with high-quality, convenient and diversified financial services through continuous financial innovation technologies. Therefore, in the banking industry, mobile banking has become the main window for major banks to provide financial services to customers. It has become an important task for banks to improve customers' mobile banking activity and provide high-quality financial services. Finding high-quality customers and realizing precise marketing are important means to enhance customers' mobile banking activity. [0003] Currently in the banking industry, the following methods are mainly used for mobi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06Q40/02G06Q40/04G06N20/20
CPCG06Q30/0201G06Q40/02G06Q40/04G06N20/20
Inventor 李阳强朱铧豌
Owner 深圳索信达数据技术有限公司
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