Bank package recommendation method and device

Abstract

The invention provides a bank package recommendation method and device. The method and the device can be applied to the financial field. The method comprises the following steps: matching a plurality of corresponding items according to obtained historical consumption behavior information of a customer; calculating a first package total price according to the charging amount of each project and a preset amount and discount mapping relation table; calculating a second package total price according to the charging amount of each project and preset total amount preferential information; and comparing the first package total price with the second package total price to generate a final package for recommendation. The consumption behavior data of the user is analyzed, a plurality of business items are accurately matched for the customer, the business items form a complete package, the package and the preferential price are calculated through two setting modes, and then the package with the most suitable preferential price is screened out to be recommended to the customer. According to the invention, while customer requirements are met, business project expenses of clients are reduced as much as possible, the clients are attracted through a more preferential package mode, and client stickiness is increased.

Description

technical field [0001] This application belongs to the technical field of intelligent algorithms, and in particular, relates to a bank package recommendation method and device. Background technique [0002] At present, the profits of commercial banks mainly come from the interest difference between deposits and loans and intermediary business income, while the intermediary business income of banks is received by fixed accounting subjects, and multiple actual items can be configured under a clear accounting subject, that is, customers in A definite item used when a certain business needs to pay a certain fee. A project needs to determine the specific scenario where this kind of business occurs, and also needs to clarify the project elements, such as corporate online banking inter-bank remittance, tuition collection, etc. belong to the scenario, such as channel, currency, amount, star rating, rate and discount, etc. belong to the project elements . [0003] In the prior art,...

AI Technical Summary

Problems solved by technology

[0005] This application provides a bank package recommendation method to at least solve the current lack of package recommendations based on user needs and the inability to conveniently charge project fees

Images