Target customer determination method and device
A technology to target customers and determine methods, applied in computing models, structured data retrieval, instruments, etc., can solve problems such as huge amount of customer data
Pending Publication Date: 2021-05-25
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology
At present, private banks often rely on single-dimensional screening such as assets or subjective human judgment to find target customers. Due to the huge amount of customer data and the large individual differences among customers, it is difficult to accurately identify high-net-worth individuals through manual judgment or single-dimensional screening. Target customers
Therefore, the prior art lacks a more efficient and accurate method for determining target customers
Method used
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[0037] In order to enable those skilled in the art to better understand the solutions of the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is an embodiment of a part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the present invention.
[0038] Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. Accordingly, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware ...
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The invention discloses a target customer determination method and device which can be used in the financial field or other technical fields, and the target customer determination method comprises the steps: obtaining a positive sample customer set and a to-be-evaluated customer set; training a plurality of classification models by adopting a preset classification algorithm according to the positive sample customer set and the to-be-evaluated customer set, and obtaining a prediction classification result of the to-be-evaluated customer corresponding to each classification model; and determining a target customer in the to-be-evaluated customer set according to the prediction classification result of the to-be-evaluated customer corresponding to each classification model. According to the method, the machine learning model is used for mining the private bank high-net-value target customer from massive customers, and the beneficial effect of accurately and efficiently determining the target customer is achieved.
Description
technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to a method and device for determining a target customer. Background technique [0002] Private banks mainly serve high-net-worth individuals. With the accumulation of personal wealth in society, the number of high-net-worth individuals is gradually increasing. How to tap private banking target customers from a large number of customers is the main challenge for private banks to achieve smart marketing. At present, private banks often rely on single-dimensional screening such as assets or subjective human judgment to find target customers. Due to the huge amount of customer data and the large individual differences among customers, it is difficult to accurately identify high-net-worth individuals through manual judgment or single-dimensional screening. Target customers. Therefore, the prior art lacks a more efficient and accurate method for determining targe...
Claims
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Login to View More IPC IPC(8): G06F16/2458G06F16/29G06F16/9537G06K9/62G06N20/00G06Q40/02
CPCG06F16/2465G06F16/29G06F16/9537G06N20/00G06Q40/02G06F18/24G06F18/214
Inventor秦正才王代音刘铁严美艺张秀娟
OwnerINDUSTRIAL AND COMMERCIAL BANK OF CHINA