Bank package recommendation method and device

Abstract

The present invention provides a bank package recommendation method and device, which can be applied to the financial field, and the method includes: matching a number of corresponding items according to the acquired historical consumption behavior information of the customer; calculating the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table; calculating the total price of the second package according to the charge amount of each item and the preset total amount discount information; comparing the total price of the first package with the total price of the second package to generate a final package for recommendation. By analyzing the consumption behavior data of the user, accurately matching a number of business items to the customer, forming the business items into a complete package, calculating the package and the discount price through two setting methods, and then screening out the most favorable and most suitable package for recommendation to the customer, the present application realizes that while meeting the needs of the customer, the customer's business project expenses are reduced as much as possible, and the customer is attracted through a more favorable package model, which increases the customer stickiness.

Description

Technical Field

[0001] The present application belongs to the field of intelligent algorithm technology, and specifically, relates to a bank package recommendation method and device. Background Art

[0002] Currently, commercial banks' profits mainly come from the interest rate difference between deposits and loans and intermediary business income, and the intermediary business income of banks is received in fixed accounting items. Under a clear accounting item, multiple actual items can be configured, that is, the specific items used when customers need to pay certain fees for certain business. A project needs to determine the specific scenario of such business, and also needs to clarify the project elements. For example, inter-bank remittances and tuition collection on behalf of corporate online banking belong to scenarios, while channels, currencies, amounts, star ratings, rates and discounts belong to project elements.

[0003] In the existing technology, when banks charge customers, they often charge for a single project. For new customers or customers who open a new business, if multiple projects are charged at the same time, the account manager needs to set up the corresponding project elements one by one in the system, and needs to perform certain operations to trigger them one by one. The personnel operation is cumbersome and cannot quickly adapt to the personalized needs of customers.

[0004] With the diversification of customer interests, it is increasingly necessary to establish a set of market-adaptive, intelligent and flexible user-based project recommendation algorithms and systems. Summary of the invention

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

[0006] According to a first aspect of the present application, a bank package recommendation method includes:

[0007] Matching several corresponding items based on the acquired historical consumption behavior information of the customer;

[0008] Calculate the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table;

[0009] Calculate the total price of the second package based on the charge amount of each item and the preset total discount information;

[0010] Compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0011] In one embodiment, the corresponding items are matched according to the acquired historical consumption behavior information of the customer, including:

[0012] Analyze historical consumption behavior information and extract consumption characteristic information from it;

[0013] According to the consumption characteristic information, a corresponding number of items are selected from all items.

[0014] In one embodiment, the total price of the first package is calculated according to the charge amount of each item and the preset amount and discount mapping relationship table, including:

[0015] Calculate the total charge amount based on the charge amount for each item;

[0016] Obtain the discount amount corresponding to the total charge amount according to the amount and discount mapping relationship table;

[0017] The total price of the first package is calculated based on the total charge amount and the discount amount.

[0018] In one embodiment, the total price of the second package is calculated according to the charge amount of each item and the preset total amount discount information, including:

[0019] Calculate the total charge amount based on the charge amount for each item;

[0020] According to the total charge amount, find the corresponding fixed total amount from the preset total amount discount information, and use the fixed total amount as the total price of the second package.

[0021] In one embodiment, comparing the total price of the first package and the total price of the second package to generate a final package for recommendation includes:

[0022] Compare the total price of the first package with the total price of the second package to obtain a comparison result;

[0023] The lowest priced package is recommended as the final package.

[0024] According to a second aspect of the present application, a bank package recommendation device is also provided, comprising:

[0025] An item matching unit, used to match a number of corresponding items according to the acquired historical consumption behavior information of the customer;

[0026] A first package total price calculation unit, used to calculate the first package total price according to the charge amount of each item and a preset amount and discount mapping relationship table;

[0027] A second package total price calculation unit, used to calculate the second package total price according to the charge amount of each item and the preset total amount discount information;

[0028] The recommendation unit is used to compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0029] In one embodiment, the project matching unit includes:

[0030] A consumption feature information extraction module is used to analyze historical consumption behavior information and extract consumption feature information from it;

[0031] The project screening module is used to screen a number of corresponding projects from all projects based on consumption feature information.

[0032] In one embodiment, the first package total price calculation unit includes:

[0033] A total charge amount calculation module is used to calculate the total charge amount based on the charge amount of each project;

[0034] The discount calculation module is used to obtain the discount amount corresponding to the total charge amount according to the amount and discount mapping relationship table;

[0035] The first package quotation module is used to calculate the total price of the first package based on the total charge amount and the discount amount.

[0036] In one embodiment, the second package total price calculation unit includes:

[0037] A total amount calculation module is used to calculate the total charge amount based on the charge amount of each item;

[0038] The second package quotation module is used to find the corresponding fixed total amount from the preset total amount discount information according to the total charge amount, and use the fixed total amount as the total price of the second package.

[0039] In one embodiment, the recommendation unit includes:

[0040] A comparison module, used to compare the total price of the first package with the total price of the second package to obtain a comparison result;

[0041] The final package determination module is used to recommend the low-priced package as the final package.

[0042] According to the third aspect of the present application, an electronic device is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the bank package recommendation method when executing the program.

[0043] According to a fourth aspect of the present application, a computer-readable storage medium is also provided, on which a computer program is stored, and when the computer program is executed by a processor, a bank package recommendation method is implemented.

[0044] As can be seen from the above technical solution, the present application provides a bank package recommendation method and device, the method includes: matching a number of corresponding items according to the historical consumption behavior information of the customer; calculating the total price of the first package according to the charging amount of each item and the preset amount and discount mapping relationship table; calculating the total price of the second package according to the charging amount of each item and the preset total amount discount information; comparing the total price of the first package and the total price of the second package to generate a final package for recommendation. By analyzing the consumption behavior data of the user, accurately matching a number of business items to the customer, and then combining these business items into a complete package, calculating the package and the discount price through two setting methods, and then screening out the most favorable and most suitable package to recommend to the customer, the present application realizes that while meeting the needs of the customer, the customer's business project expenses are reduced as much as possible, and the customer stickiness is increased by attracting customers through a more favorable package model. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0046] Figure 1 A flowchart of a bank package recommendation method provided for this application.

[0047] Figure 2 This is a flow chart of a method for matching corresponding items according to the acquired historical consumption behavior information of a customer in an embodiment of the present application.

[0048] Figure 3 This is a flow chart of the method for calculating the total price of the first package in an embodiment of the present application.

[0049] Figure 4 This is a flow chart of the method for calculating the total price of the second package in an embodiment of the present application.

[0050] Figure 5 A flow chart of the method for generating a final package for recommendation in an embodiment of the present application.

[0051] Figure 6 This is a schematic diagram of a meal plan recommendation system provided in an embodiment of the present application.

[0052] Figure 7 This is a structural block diagram of a bank package recommendation device provided in this application.

[0053] Figure 8 This is a structural block diagram of the project matching unit in an embodiment of the present application.

[0054] Fig. 9 This is a structural block diagram of the first package total price calculation unit in an embodiment of the present application.

[0055] Fig.10 This is a structural block diagram of the second package total price calculation unit in an embodiment of the present application.

[0056] Fig.11 This is a structural block diagram of the recommended unit in the embodiment of the present application.

[0057] Fig.12 This is a specific implementation of an electronic device in an embodiment of the present application. DETAILED DESCRIPTION

[0058] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0059] It should be noted that the method and device for implementing bank package recommendation disclosed in this application can be used in the field of financial technology, and can also be used in any field outside the field of financial technology. This application does not limit the application field of the disclosed method and device for implementing bank package recommendation.

[0060] At present, the profits of commercial banks mainly come from the interest rate difference between deposits and loans and intermediary business income, and the intermediary business income of banks is received in fixed accounting accounts. Multiple actual projects can be configured under a clear accounting account, that is, the specific project used when the customer needs to pay a certain fee for a certain business. A project needs to determine the specific scenario of this business, and also needs to clarify the project elements. For example, inter-bank remittances and tuition collection on behalf of corporate online banking belong to scenarios, and channels, currencies, amounts, star ratings, rates and discounts belong to project elements. In the existing technology, when banks charge customers, they are often for a single project. For new customers or customers who open a new business, if multiple project charges are involved at the same time, the account manager needs to set the corresponding project elements one by one in the system, and needs to perform certain operations to trigger them one by one. The personnel operation is cumbersome and cannot quickly adapt to the personalized needs of customers.

[0061] Based on this, a bank package recommendation method is needed. This method analyzes the user's consumption behavior data, accurately matches several business items to the customer, and then combines these business items into a complete package. The package and preferential prices are calculated through two setting methods, and then the most favorable and suitable package is screened out for recommendation to the customer. This application achieves the goal of reducing the customer's business project expenses as much as possible while meeting customer needs, attracting customers through a more favorable package model, and increasing customer stickiness.

[0062] Based on the above content, the present application also provides a bank package recommendation device for implementing the bank package recommendation method provided in one or more embodiments of the present application. The bank package recommendation device can communicate with the client device by itself or through a third-party server, and return the execution result to the client.

[0063] It is understandable that the client device may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, a smart watch, a smart bracelet, etc.

[0064] In another practical application scenario, the part of the automatic switching of the bank payment system failure by the aforementioned automatic switching device for the bank payment system failure can be executed in the server as described above, or all operations can be completed in the client device. The specific selection can be made based on the processing capacity of the client device and the limitations of the user's usage scenario. This application does not limit this. If all operations are completed in the client device, the client device can also include a processor for specific processing of the automatic switching of the bank payment system failure.

[0065] The client device may have a communication module (i.e., a communication unit) that can communicate with a remote server to achieve data transmission with the server. The server may include a server on the task scheduling center side, and other implementation scenarios may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or a server cluster consisting of multiple servers, or a server structure of a distributed device.

[0066] The server and the client device may communicate with each other using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocols may include, for example, TCP / IP, UDP / IP, HTTP, HTTPS, etc. Of course, the network protocols may also include, for example, RPC (Remote Procedure Call Protocol) and REST (Representational State Transfer) protocols used on top of the above protocols.

[0067] The details are described in detail through the following embodiments and application examples.

[0068] This application provides a bank package recommendation method, such as Figure 1 As shown, including:

[0069] S101: Matching a number of corresponding items according to the acquired historical consumption behavior information of the customer.

[0070] S102: Calculate the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table.

[0071] S103: Calculate the total price of the second package according to the charge amount of each item and the preset total amount discount information.

[0072] S104: Compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0073] In a specific embodiment, a package recommendation system is provided, such as Figure 6As shown, the system includes a terminal transaction platform 1, a project recommendation system 2, and a terminal transaction platform 3. Among them: the bank transaction platform 1 and the terminal transaction platform 3 are used to process user requests, and the transaction request includes information such as the customer account card number or certificate number, the transaction amount, the counterparty, and the purpose. The transaction platform 1 includes customer marketing platforms such as personal or corporate mobile banking, personal or corporate online banking, and telephone banking. After receiving the information, the platform supplements the basic transaction elements such as the transaction location and transmits them to the project recommendation system. After receiving the instructions from the transaction platform, the project recommendation system 2 designs and recommends a project package for the customer based on the basic information and user behavior of the customer. The project package includes several projects. The recommended project is transmitted to the terminal transaction platform 3 and marketed to the user through the account manager. The charge amount corresponding to each project is obtained, and then the package fee calculation is divided into a large package calculation method (obtaining the total price of the first package) and a total package calculation method (obtaining the total price of the second package) according to the overall charge amount. Finally, the two package calculation methods are compared to see which is more favorable, and the most favorable package total price is recommended to the customer.

[0074] In one embodiment, the corresponding items are matched according to the acquired historical consumption behavior information of the customer, such as Figure 2 As shown, including:

[0075] S201: Analyze historical consumption behavior information and extract consumption feature information therefrom.

[0076] S202: Filtering corresponding items from all items according to consumption characteristic information.

[0077] In a specific embodiment, the historical consumption behavior information is parsed and the consumption feature information is extracted. For example, in the historical consumption behavior information of a certain user, remittance operations have been performed many times, and the consumption feature of the customer is remittance, and remittance is one of the main needs of the customer. Then, the corresponding remittance items in the bank are recommended to the customer.

[0078] In one embodiment, the total price of the first package is calculated based on the charge amount of each item and the preset amount and discount mapping relationship table, such as Figure 3 As shown, including:

[0079] S301: Calculate the total charge amount based on the charge amount of each item.

[0080] S302: Obtain the discount amount corresponding to the total charge amount according to the amount-discount mapping relationship table.

[0081] S303: Calculate the total price of the first package according to the total charge amount and the discount amount.

[0082] In a specific embodiment, the first package is a large-amount package. When the fee amount of a large-amount package is greater than or equal to a certain threshold, the items in it can enjoy discounts. If the fee amount is less than a certain threshold, no discount will be enjoyed. As for the strength of the discount, it is determined by the fee amount. The fee amount of each item is added to obtain the total fee amount, and then the interval of the total income amount in the amount and discount mapping relationship table is determined. For example, when the total fee amount is in the range of 100-200 yuan, the discount is 5 yuan, and when it is in the range of 201-400 yuan, the discount is 20 yuan. The total fee amount minus the discount amount is the total price of the first package.

[0083] In one embodiment, the total price of the second package is calculated based on the charge amount of each item and the preset total discount information, such as Figure 4 As shown, including:

[0084] S401: Calculate the total charge amount based on the charge amount of each item.

[0085] S402: Search for a corresponding fixed total amount from the preset total amount discount information according to the total charge amount, and use the fixed total amount as the total price of the second package.

[0086] In a specific embodiment, the second package is a total amount package, and the total charge amount is calculated based on each item A, B, and C. Assuming the total charge amount is 220 yuan, in the preset total amount discount information, 220 yuan is within the range of the 200 yuan fixed package, so the final total price of the second package is 200 yuan.

[0087] In one embodiment, the total price of the first package and the total price of the second package are compared to generate a final package for recommendation, such as Figure 5 As shown, including:

[0088] S501: Compare the total price of the first package and the total price of the second package to obtain a comparison result.

[0089] S502: Recommend the low-priced package as the final package.

[0090] In a specific embodiment, the total price of the first package is compared with the total price of the second package, and the package with a lower total price is recommended to the customer.

[0091] This application analyzes the user's consumption behavior data to accurately match a number of business items to the customer, and then combines these business items into a complete package. The package and preferential prices are calculated through two setting methods, and then the most favorable and suitable package is screened out for recommendation to the customer. This application achieves the goal of meeting customer needs while reducing the customer's business project expenses as much as possible, attracting customers through a more favorable package model, and increasing customer stickiness.

[0092] Based on the same inventive concept, the embodiments of the present application also provide a bank package recommendation device, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of solving the problem by the bank package recommendation device is similar to that of the bank package recommendation method, the implementation of the bank package recommendation device can refer to the implementation of the bank package recommendation method, and the repeated parts will not be repeated. As used below, the term "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the system described in the following embodiments is preferably implemented in software, the implementation of hardware, or a combination of software and hardware, is also possible and conceivable.

[0093] According to another aspect of the present application, a bank package recommendation device is also provided. Figure 7 As shown, including:

[0094] The item matching unit 701 is used to match a number of corresponding items according to the acquired historical consumption behavior information of the customer;

[0095] A first package total price calculation unit 702, configured to calculate the first package total price according to the charge amount of each item and a preset amount-to-discount mapping relationship table;

[0096] The second package total price calculation unit 703 is used to calculate the second package total price according to the charge amount of each item and the preset total amount discount information;

[0097] The recommendation unit 704 is used to compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0098] In a specific embodiment, a package recommendation system is provided, such as Figure 6 As shown, the system includes a terminal transaction platform 1, a project recommendation system 2, and a terminal transaction platform 3. Among them: the bank transaction platform 1 and the terminal transaction platform 3 are used to process user requests, and the transaction request includes information such as the customer account card number or certificate number, the transaction amount, the counterparty, and the purpose. The transaction platform 1 includes customer marketing platforms such as personal or corporate mobile banking, personal or corporate online banking, and telephone banking. After receiving the information, the platform supplements the basic transaction elements such as the transaction location and transmits them to the project recommendation system. After receiving the instructions from the transaction platform, the project recommendation system 2 designs and recommends a project package for the customer based on the basic information and user behavior of the customer. The project package includes several projects. The recommended project is transmitted to the terminal transaction platform 3 and marketed to the user through the account manager. The charge amount corresponding to each project is obtained, and then the package fee calculation is divided into a large package calculation method (obtaining the total price of the first package) and a total package calculation method (obtaining the total price of the second package) according to the overall charge amount. Finally, the two package calculation methods are compared to see which is more favorable, and the most favorable package total price is recommended to the customer.

[0099] In one embodiment, if Figure 8 As shown, the project matching unit 701 includes:

[0100] Consumption feature information extraction module 801, used to analyze historical consumption behavior information and extract consumption feature information therefrom;

[0101] The project screening module 802 is used to screen corresponding projects from all projects according to consumption characteristic information.

[0102] In a specific embodiment, the historical consumption behavior information is parsed and the consumption feature information is extracted. For example, in the historical consumption behavior information of a certain user, remittance operations have been performed many times, and the consumption feature of the customer is remittance, and remittance is one of the main needs of the customer. Then, the corresponding remittance items in the bank are recommended to the customer.

[0103] In one embodiment, if Fig. 9 As shown, the first package total price calculation unit 702 includes:

[0104] A total charge amount calculation module 901 is used to calculate the total charge amount according to the charge amount of each item;

[0105] The discount calculation module 902 is used to obtain the discount amount corresponding to the total charge amount according to the amount and discount mapping relationship table;

[0106] The first package quotation module 903 is used to calculate the total price of the first package according to the total charge amount and the discount amount.

[0107] In a specific embodiment, the first package is a large-amount package. When the fee amount of a large-amount package is greater than or equal to a certain threshold, the items in it can enjoy discounts. If the fee amount is less than a certain threshold, no discount will be enjoyed. As for the strength of the discount, it is determined by the fee amount. The fee amount of each item is added to obtain the total fee amount, and then the interval of the total income amount in the amount and discount mapping relationship table is determined. For example, when the total fee amount is in the range of 100-200 yuan, the discount is 5 yuan, and when it is in the range of 201-400 yuan, the discount is 20 yuan. The total fee amount minus the discount amount is the total price of the first package.

[0108] In one embodiment, if Fig.10 As shown, the second package total price calculation unit 703 includes:

[0109] A total amount calculation module 1001 is used to calculate the total charge amount according to the charge amount of each item;

[0110] The second package quotation module 1002 is used to find the corresponding fixed total amount from the preset total amount discount information according to the total charge amount, and use the fixed total amount as the total price of the second package.

[0111] In one embodiment, if Fig.11 As shown, the recommendation unit 704 includes:

[0112] A comparison module 1101 is used to compare the total price of the first package with the total price of the second package to obtain a comparison result;

[0113] The final package determination module 1102 is used to recommend the low-priced package as the final package.

[0114] In a specific embodiment, the total price of the first package and the total price of the second package are compared, and the package with the lower total price is recommended to the customer.

[0115] This application analyzes the user's consumption behavior data to accurately match a number of business items to the customer, and then combines these business items into a complete package. The package and preferential prices are calculated through two setting methods, and then the most favorable and suitable package is screened out for recommendation to the customer. This application achieves the goal of meeting customer needs while reducing the customer's business project expenses as much as possible, attracting customers through a more favorable package model, and increasing customer stickiness.

[0116] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0117] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0118] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0119] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0120] The present invention uses specific embodiments to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only used to help understand the method of the present invention and its core idea. At the same time, for those skilled in the art, according to the idea of ​​the present invention, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present invention.

[0121] The embodiments of the present application also provide a specific implementation of an electronic device that can implement all the steps in the method in the above embodiments, see Fig.12 , the electronic device specifically includes the following contents:

[0122] Processor 1201, memory 1202, communication interface 1203, bus 1204 and non-volatile memory 1205;

[0123] The processor 1201, memory 1202, and communication interface 1203 communicate with each other via the bus 1204;

[0124] The processor 1201 is used to call the computer program in the memory 1202 and the non-volatile memory 1205. When the processor executes the computer program, all the steps in the method in the above embodiment are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0125] S101: Matching a number of corresponding items according to the acquired historical consumption behavior information of the customer.

[0126] S102: Calculate the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table.

[0127] S103: Calculate the total price of the second package according to the charge amount of each item and the preset total amount discount information.

[0128] S104: Compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0129] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps of the method in the above embodiments. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps of the method in the above embodiments are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0130] S101: Matching a number of corresponding items according to the acquired historical consumption behavior information of the customer.

[0131] S102: Calculate the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table.

[0132] S103: Calculate the total price of the second package according to the charge amount of each item and the preset total amount discount information.

[0133] S104: Compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

[0134] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the hardware + program embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. Although the embodiment of this specification provides the method operation steps described in the embodiment or flow chart, more or less operation steps can be included based on conventional or non-creative means. The order of steps listed in the embodiment is only one way of executing the order of many steps, and does not represent the only execution order. When the device or terminal product in practice is executed, it can be executed in sequence or in parallel according to the method shown in the embodiment or the accompanying drawings (for example, a parallel processor or a multi-threaded processing environment, or even a distributed data processing environment). The term "include", "include" or any other variant thereof is intended to cover non-exclusive inclusion, so that the process, method, product or device including a series of elements includes not only those elements, but also includes other elements that are not explicitly listed, or also includes elements inherent to such a process, method, product or device. In the absence of more restrictions, it is not excluded that there are other identical or equivalent elements in the process, method, product or device including the elements. For the convenience of description, the above device is described by dividing it into various modules according to its functions. Of course, when implementing the embodiments of this specification, the functions of each module can be implemented in the same one or more software and / or hardware, or the module implementing the same function can be implemented by a combination of multiple sub-modules or sub-units. The device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the coupling or direct coupling or communication connection between each other shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms. The present invention is described with reference to the flowchart and / or block diagram of the method, device (system) and computer program product according to the embodiments of the present invention. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the process and / or box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the process Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0135] Those skilled in the art will appreciate that the embodiments of this specification may be provided as methods, systems or computer program products. Therefore, the embodiments of this specification may be in the form of a complete hardware embodiment, a complete software embodiment or an embodiment combining software and hardware. Moreover, the embodiments of this specification may be in the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts refer to the partial description of the method embodiment. In the description of this specification, the description of the reference term "one embodiment", "some embodiments", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the embodiment of this specification.

[0136] In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradicting each other. The above is only an embodiment of the embodiment of this specification and is not intended to limit the embodiment of this specification. For those skilled in the art, the embodiment of this specification may have various changes and variations. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the embodiment of this specification shall be included in the scope of the claims of the embodiment of this specification.

Claims

1. A bank package recommendation method, characterized in that: include: Matching several corresponding items based on the acquired historical consumption behavior information of the customer; Calculate the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table; The total price of the second package is calculated based on the charge amount of each item and the preset total amount discount information, where the preset total amount discount information includes a fixed total amount; Compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

2. The bank package recommendation method according to claim 1, characterized in that: The matching of the corresponding items according to the acquired historical consumption behavior information of the customer includes: Analyze the historical consumption behavior information and extract consumption feature information therefrom; A corresponding number of items are screened from all items according to the consumption characteristic information.

3. The bank package recommendation method according to claim 2, characterized in that: The calculating the total price of the first package according to the charge amount of each item and the preset amount and discount mapping relationship table includes: Calculate the total charge amount based on the charge amount for each item; Obtain the discount amount corresponding to the total charge amount according to the amount-discount mapping relationship table; The total price of the first package is calculated based on the total charge amount and the discount amount.

4. The bank package recommendation method according to claim 1, characterized in that: The second package total price is calculated according to the charge amount of each item and the preset total amount discount information, including: Calculate the total charge amount based on the charge amount for each item; According to the total charge amount, the corresponding fixed total amount is searched from the preset total amount discount information, and the fixed total amount is used as the total price of the second package.

5. The bank package recommendation method according to claim 1, characterized in that: The step of comparing the total price of the first package with the total price of the second package to generate a final package for recommendation includes: Comparing the total price of the first package with the total price of the second package to obtain a comparison result; The lowest priced package is recommended as the final package.

6. A bank package recommendation device, characterized in that: include: An item matching unit, used to match a number of corresponding items according to the acquired historical consumption behavior information of the customer; A first package total price calculation unit, used to calculate the first package total price according to the charge amount of each item and a preset amount and discount mapping relationship table; A second package total price calculation unit, used to calculate the second package total price according to the charge amount of each item and preset total amount discount information, wherein the preset total amount discount information includes a fixed total amount; The recommendation unit is used to compare the total price of the first package and the total price of the second package to generate a final package for recommendation.

7. The bank package recommendation device according to claim 6, characterized in that: The project matching unit comprises: A consumption feature information extraction module, used to analyze the historical consumption behavior information and extract consumption feature information therefrom; The project screening module is used to screen a number of corresponding projects from all projects according to the consumption characteristic information.

8. The bank package recommendation device according to claim 7, characterized in that: The first package total price calculation unit includes: A total charge amount calculation module is used to calculate the total charge amount based on the charge amount of each project; A discount calculation module, used to obtain the discount amount corresponding to the total charge amount according to the amount and discount mapping relationship table; The first package quotation module is used to calculate the total price of the first package according to the total charge amount and the discount amount.

9. The bank package recommendation device according to claim 6, characterized in that: The second package total price calculation unit includes: A total amount calculation module is used to calculate the total charge amount based on the charge amount of each item; The second package quotation module is used to find the corresponding fixed total amount from the preset total amount discount information according to the total charge amount, and use the fixed total amount as the total price of the second package.

10. The bank package recommendation device according to claim 6, characterized in that: The recommendation unit includes: A comparison module, used for comparing the total price of the first package with the total price of the second package to obtain a comparison result; The final package determination module is used to recommend the low-priced package as the final package.

11. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the bank package recommendation method described in any one of claims 1 to 5 is implemented.

12. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the bank package recommendation method described in any one of claims 1 to 5 is implemented.

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