Data reconciliation decision-making method and device, server and storage medium

A data pairing and decision-making technology, applied in the field of financial services, can solve the problems of large waste of resources, old manpower and material resources, etc.

Inactive Publication Date: 2021-01-26
NANJING AUDIT UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Through the above analysis, the existing problems and defects of the existing technology are as follows: sending the statement to the user on schedule requires a large investment of manpower and material resources, which wastes a lot of resources

Method used

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  • Data reconciliation decision-making method and device, server and storage medium
  • Data reconciliation decision-making method and device, server and storage medium
  • Data reconciliation decision-making method and device, server and storage medium

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Embodiment Construction

[0073] In order to make the object, technical solution and advantages of the present invention more clear, the present invention will be further described in detail below in conjunction with the examples. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0074] Aiming at the problems existing in the prior art, the present invention provides a data reconciliation decision-making method, device, server and storage medium. The present invention will be described in detail below with reference to the accompanying drawings.

[0075] Such as figure 1 As shown, the data reconciliation decision-making method provided by the embodiment of the present invention includes the following steps:

[0076] S101, collect and store the consumption data of users in the big data network through the data collection module;

[0077] S102. Preliminarily classify the collected data to obtain the ...

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Abstract

The invention belongs to the technical field of financial services, and discloses a data reconciliation decision-making method and device, a server and a storage medium, and the method comprises the steps of building a user classification model: taking a decision-making tree algorithm as a core, constructing a user consumption classification model, and mining the consumption characteristics of different types of consumption groups; preprocessing the data: solving the problems of fragmentation and incompleteness by adopting methods of aggregation, average value replacement and the like, deleting redundant data, and generating a consumption data record set meeting classification mining requirements; generating a personalized account statement: analyzing the consumption condition of each cardholder by utilizing a plurality of established classification models; carrying out targeted advertisement delivery on the user through a personalized recommendation algorithm according to the relationship between different client groups and advertisement types, the ranking of the card holder in group classification, the advertisement delivery number and time and other comprehensive information; and constructing a personalized bill generation model of the credit card client, and generating a personalized account statement for each client.

Description

technical field [0001] The invention belongs to the technical field of financial services, and in particular relates to a data reconciliation decision-making method, device, server and storage medium. Background technique [0002] At present: Generally speaking, after applying for a credit card, cardholders seldom actively contact the bank except for deposit and withdrawal and card replacement. At this time, the bank statement sent to the cardholder every month becomes the carrier of communication between the bank and the cardholder. The statement is a document that users pay close attention to and will be kept. It is not a simple accessory of the credit card, but an important communication medium between the bank and the user. Its characteristics are: users regularly receive monthly, the most effective marketing and service publicity medium, high reading rate, and feedback rate increases year by year. [0003] It has become a necessary service to provide users with statem...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/00G06N3/04G06N3/08
CPCG06N3/006G06N3/08G06N3/045G06Q40/03
Inventor 杨国为张凡龙黄璞万鸣华杨章静詹天明
Owner NANJING AUDIT UNIV
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