Bank product recommendation method and device

A banking and product technology, applied in marketing, data processing applications, finance, etc., can solve problems such as low efficiency and single form of advertising, and achieve the effect of controlling bank risks, solving low accuracy and uncertain risks

Pending Publication Date: 2022-08-02
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, in bank outlets, the form of advertising is single, mainly because a single advertisement is played repeatedly, which is inefficient

Method used

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  • Bank product recommendation method and device
  • Bank product recommendation method and device
  • Bank product recommendation method and device

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Experimental program
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Embodiment Construction

[0031] In order to make the purposes, technical solutions and advantages of the embodiments of the present invention more clearly understood, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0032] The invention belongs to data processing in the financial field. figure 1 A schematic diagram of a method for recommending a bank product according to an embodiment of the present invention, such as figure 1 As shown, the embodiment of the present invention provides a method for recommending bank products, which can solve the technical problem of low precision in advertisement placement in the prior art of bank outlets under the premise of effectively controlling risks. The method includes:

[0033] Step 101: Classify the bank customers accor...

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PUM

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Abstract

The invention provides a bank product recommendation method and device, and belongs to the field of finance, and the method comprises the steps: classifying bank customers according to the historical transaction data of the bank customers, and determining a plurality of bank customer categories; screening out a bank customer main category from the plurality of bank customer categories; determining a customer main category vector, a risk vector, a to-be-handled risk type and a controllable risk probability of each bank outlet in the set area according to the bank customer main category; determining non-reference bank outlets for the transaction data of the bank outlets in the set area; for each non-reference bank outlet, determining similar bank outlets according to the customer main category vector and the risk vector; and for each non-reference bank outlet, determining the bank product set of the non-reference bank outlet based on the bank product set of the similar bank outlets of the non-reference bank outlet, the risk type needing to be handled by the non-reference bank outlet and the controllable risk probability of the non-reference bank outlet.

Description

technical field [0001] The invention relates to the technical field of computer data processing, in particular to a method and device for recommending bank products. Background technique [0002] This section is intended to provide a background or context for the embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] At present, in bank outlets, advertisements are placed in a single form, mainly playing a single advertisement repeatedly, which is inefficient. [0004] For banks, advertisement placement should not only consider the exact match between advertisement placement and customers, but also consider a series of possible risks, such as the risk of customer churn caused by inefficient advertisement placement. [0005] Therefore, how to provide a new solution that can solve the above-mentioned technical problems is a technical problem to be solved urgently in the art. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/02G06Q40/02G06Q40/08
CPCG06Q30/0269G06Q30/0255G06Q40/02G06Q40/08
Inventor 朱江波胡毅马克时福林王艳芳赵梦
Owner BANK OF CHINA
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