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Financial product recommendation method, device and equipment and medium

A technology of financial products and recommendation methods, applied in the field of big data, can solve problems such as product promotion, failure to meet specific needs of customers, and lack of pertinence, so as to facilitate credit granting, avoid inefficiency, and improve efficiency

Pending Publication Date: 2021-10-08
天元大数据信用管理有限公司
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  • Abstract
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Problems solved by technology

On the one hand, customers will face a large number of financial products, and it is difficult to choose a product that suits them; Generally, the marketing of popular financial products is not targeted. It is often combined with the business rules of the product to select some customers in batches for mass marketing. Personalized and precise marketing is not carried out without in-depth excavation of customers. Very well meet the specific needs of customers

Method used

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  • Financial product recommendation method, device and equipment and medium
  • Financial product recommendation method, device and equipment and medium
  • Financial product recommendation method, device and equipment and medium

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Embodiment Construction

[0025] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only some of the embodiments in this specification, not all of them. Based on the embodiments of this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0026] With the development of the financial industry and the Internet industry, there are more and more types of financial products. Financial products refer to various non-physical assets that have economic value and can be traded or cashed in public. They are also called securities, such as cash, Bills of exchange, stocks, futures, bonds, insurance policies,...

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Abstract

The invention provides a financial product recommendation method, device and equipment and a medium, and the method comprises the steps: obtaining financial behavior data and government department data of a user based on the authorization of the user and a government department, wherein the government department data is related to the user; determining the product preference and target intention of the user according to the financial behavior data of the user, and determining the bearing capability of the user according to the government department data; and according to the product preference, the target intention and the user bearing capability of the user, screening out financial products meeting the requirements, and recommending the financial products meeting the requirements to the user. The financial products are recommended according to the actual situation of the user, the operation efficiency of the financial service platform is improved, the efficiency of using the financial service platform by the user is also improved, and the financial products meeting the requirements of the customer can be quickly and efficiently recommended to the customer in real time by utilizing massive data generated in channels of all parties.

Description

technical field [0001] This specification relates to the field of big data technology, and in particular to a method, device, equipment and medium for recommending financial products. Background technique [0002] With the development of the financial industry and the Internet industry, there are more and more types of financial products, including funds, wealth management, precious metals, insurance, loans and other products, and each type of product includes several products. On the one hand, customers will face a large number of financial products, and it is difficult to choose a product that suits them; Generally, the marketing of popular financial products is not targeted. It is often combined with the business rules of the product to select some customers in batches for mass marketing. Personalized and precise marketing is not carried out without in-depth excavation of customers. Very well meet the specific needs of customers. [0003] Therefore, how to use the massi...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q40/04G06F16/9535
CPCG06Q40/04G06Q30/0631G06F16/9535
Inventor 邓立衡李仰允单震
Owner 天元大数据信用管理有限公司
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