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Financial product recommendation method and system based on customer cash flow prediction

A technology of financial products and recommendation methods, applied in finance, instruments, buying and selling/leasing transactions, etc., can solve the problems of vague recommendation, inaccurate recommendation, and inability of financial products to comply with financial products, and achieve the effect of maximizing income

Pending Publication Date: 2021-04-30
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, there are many types of financial products. At present, the usual practice is to evaluate the risk preference of customers, and make fuzzy recommendations for financial products based on the risk preferences of customers. It may happen that the recommended financial products cannot meet the actual investment capabilities of customers, resulting in inaccuracy. recommended situation

Method used

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  • Financial product recommendation method and system based on customer cash flow prediction
  • Financial product recommendation method and system based on customer cash flow prediction
  • Financial product recommendation method and system based on customer cash flow prediction

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Embodiment Construction

[0050] 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.

[0051] It should be noted that the financial product recommendation method and system based on customer cash flow forecast disclosed in the present invention can be used in the field of artificial intelligence technology, and can also be used in any field other than the field of artificial intelligence technology. The application fields of the predictive financial product recommendation method and system are not limited.

[0052] At present, the financial prod...

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Abstract

The invention provides a financial product recommendation method and system based on customer cash flow prediction, which can be used in the technical field of big industry intelligence, and the method comprises the steps: predicting the future cash flow of a customer according to the transaction details of the customer; obtaining a future cash flow curve of the customer according to the predicted cash amount data; and obtaining a target financial product according to the cash flow curve and the financial product information so as to recommend the target financial product to the customer. According to the invention, the financial product can be recommended to the customer according to the predicted future cash flow direction of the customer, and the requirements of the customer for cash flow safety and income maximization are met.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to the field of artificial intelligence technology, in particular to a method and system for recommending financial products based on customer cash flow forecasting. Background technique [0002] Corporate customers or major customers of financial institutions usually have relatively more spare funds for financial management and investment in financial products. When recommending financial products to customers, two issues need to be considered: one is to maintain the necessary liquidity of customer assets and avoid insufficient cash balances. Another aspect is to allow customers to obtain the maximum benefit. However, there are many types of financial products. At present, the usual practice is to evaluate the risk preference of customers, and make fuzzy recommendations for financial products based on the risk preferences of customers. It may happen that the recommended ...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q30/02G06Q40/06
CPCG06Q30/0202G06Q30/0631G06Q40/06
Inventor 张浩潘丹铃黄贵敏李海浩
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA