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Common financial fast loan product recommendation method and device based on user portrait

A recommendation method and a recommendation device technology, applied in finance, data processing applications, character and pattern recognition, etc., can solve problems such as low efficiency, low single user satisfaction, high operating costs of banks, and achieve the effect of improving customer acquisition rate

Pending Publication Date: 2021-06-11
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Bank practitioners often form a relatively fixed product model for a certain user group by means of on-site research by user managers or relying on third-party credit. These methods have problems such as low efficiency and inability to meet the needs of a single user, resulting in high operating costs for banks. Insufficient customer acquisition ability and low single user satisfaction

Method used

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  • Common financial fast loan product recommendation method and device based on user portrait
  • Common financial fast loan product recommendation method and device based on user portrait
  • Common financial fast loan product recommendation method and device based on user portrait

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Embodiment Construction

[0052] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is an embodiment of a part of the application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

[0053] 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 aspects. Furthermor...

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Abstract

The invention provides a common financial fast loan product recommendation method and device based on a user portrait, and is suitable for the financial field.The method comprises the steps of: obtaining personal data of a user, wherein the user personal data comprises personal attribute information, credit investigation information, operation information, real estate information, loan records, account flow, consumption information, partner uploading information and access logs; performing feature extraction on the personal information of the user; inputting the extracted user features as prediction samples into a pre-trained user value model based on a K-means++ algorithm to obtain a user portrait; and recommending a common financial fast loan product according to the user portrait, and evaluating the user portrait based on data such as personal attribute information, credit information, operation information, real estate information, loan records, account flow, consumption information, partner uploading information and access logs in combination with a K-means++ algorithm, thereby recommending the fast loan product and improving the customer obtaining rate.

Description

technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to a method and device for recommending inclusive financial fast loan products based on user portraits. Background technique [0002] At present, the classification and placement of Pratt & Whitney’s Quick Loan products are displayed from the perspective of internal management, and there is no recommendation and display of products suitable for users from the perspective of users. Bank practitioners often form a relatively fixed product model for a certain user group by means of on-site research by user managers or relying on third-party credit. These methods have problems such as low efficiency and inability to meet the needs of a single user, resulting in high operating costs for banks. Insufficient customer acquisition ability, low single user satisfaction and other issues. Contents of the invention [0003] Aiming at the problems in the prior art, the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F16/9535G06K9/62G06Q40/02
CPCG06F16/9535G06Q40/03G06F18/23213G06F18/214
Inventor 王聪聪葛朝诞吴振东林慕云
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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