Financial scene marketing generation system and method

Abstract

The invention discloses a financial scene marketing generation system and method, and the system serves as a key turn for integrating multi-head data, deepening the understanding of a user, and optimizing the operation of a product. Access safety control, multi-terminal connection management, target data extraction, data privacy desensitization and integration of multi-terminal data into a bank mobile application platform (such as a mobile bank APP) are performed on core bank systems such as an account management system and a risk management system in a bank, and user behavior tracking is performed on external clients of the bank application in the using process. Interest preference inference is carried out based on interaction intention understanding and multi-head data analysis, and real-time recommendation pushing, pushing content skipping and interaction evaluation feedback are carried out in combination with recommendation content management, so that precise marketing meeting personalized requirements of users is realized.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a financial scenario marketing generation system and method. Background Art

[0002] In recent years, with the rapid development of social economy, major banks, as the center of financial services, have brought great convenience to people's lives. People can handle various financial-related businesses through mobile banking and other application software.

[0003] At present, in order to further improve the user experience, banks and other financial institutions are actively integrating various non-financial services such as education, catering, medical care, and travel into mobile applications such as mobile banking, and expanding the scope of retail services by building mobile banking super applications and expanding various ecological scene cycles. However, due to the multi-tab design that usually adopts a few core functions to be fixedly displayed, most peripheral functions to be folded on the desktop, and multi-level classification menus to be nested, there are often problems such as complex function navigation paths and confusion in the classification of products, services, and related information, which leads to users' vague perception of function locations and difficulty in quickly and accurately obtaining target functions, thereby weakening users' interest in use. In addition, although banks and other financial institutions have mastered the account data and application behavior data of mobile banking application users, due to the lack of collaborative sharing mechanism between departments, insufficient mining of platform scenario data features, and serious lack of scenario building capabilities, they are unable to deeply analyze customers' behavioral habits and core needs; the waterfall flow recommendations in the tabs often uniformly display fixed products, the interaction between the application and the user is weak, and there is a lack of personalized precision marketing methods. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to provide a financial scenario marketing generation system and method, which can connect to bank mobile applications (such as mobile banking APP) and internal core systems of the bank (such as account management system, risk management system, credit assessment system, etc.) by building an intermediate system (i.e., the financial scenario marketing generation system), and enrich the existing marketing methods of bank mobile applications with functions such as customer data integration, interactive behavior tracking, scenario information perception, interactive intention understanding, customer preference inference, and real-time recommendation generation. It can fully explore the actual needs of different customers in different real scenarios and different interactive logics, provide personalized financial products, financial services and financial information recommendation services, and realize personalized precision marketing, and can also achieve lightweight and low-invasive transformation, effectively breaking the problems of data silos and data barriers existing within the bank.

[0005] In a first aspect, an embodiment of the present application provides a financial scenario marketing generation system, the system comprising: an identity authentication component, an authorization control component, a connection management component, a data integration component, a data cache component, a data cleaning and conversion component, a customer preference inference component, a real-time recommendation and response component, an interactive translation assembly component, and an interactive intention understanding component; the financial scenario marketing generation system is respectively communicated with a bank mobile application platform and various core systems of the bank;

[0006] The identity authentication component is used to authenticate the identity of the user;

[0007] The authorization control component is used to respond to the authorization application triggered by the user on the bank mobile application platform function page, and open the relevant permissions so that the user can enter the specific application menu page and obtain the target data;

[0008] The connection management component is used to manage the connection between the financial scenario marketing generation system and various core systems of the bank;

[0009] The data integration component is used to continuously obtain target data based on the interaction between the user and the bank mobile application platform according to the tag bound to the interaction component;

[0010] The data cache component user caches and outputs the acquired data from other systems in an orderly manner;

[0011] The data cleaning and conversion component is used to clean and convert the data output by the data cache component so that the processed data meets the preset requirements;

[0012] The customer preference inference component is used to perform calculations based on the target data to obtain the preference distribution weight of the user;

[0013] The real-time recommendation response component is used to push products and services related to the user's preferences from high to low according to the user's preference distribution weights;

[0014] The interactive translation assembly component is used to translate the user's interactive data and assemble it into an interactive object according to the translation result;

[0015] The interaction intention understanding component is used to infer the user's intention based on the interaction object and update the user's portrait label;

[0016] The customer preference inference component is also used to generate new inference content based on current scenario information and the updated portrait label of the user, and push the new inference content to the user through the real-time recommendation response component.

[0017] Optionally, the system further includes: a scene translation generation component;

[0018] The scene translation generation component is used to support the comprehensive representation of the scene data of the user's current location in a structured form with a preset format, and extract key information of the scene data of the user's current location through rule-based mapping, statistical model-based and neural network-based translation methods, and perform semantic translation to generate feature labels and related weights represented by the system understanding, as data input for the interaction intention understanding component and the customer preference inference component.

[0019] Optionally, the preset format includes JSON text format and XML markup language format.

[0020] Optionally, the system further includes: a user portrait management component;

[0021] The user portrait management component is used to integrate and analyze the user's basic information, interactive behavior and current scene data, identify the user's characteristics and preferences, and generate and store the user's user portrait.

[0022] Optionally, the user portrait management component includes query and retrieval functions for supporting classified searches of user portraits based on user identifiers and key features.

[0023] Optionally, the source of the target data includes an account management system, a risk management system, a credit assessment system, and a user profile management system in various core systems of the bank.

[0024] Optionally, the interactive translation assembly component is used to translate the user's interactive data and assemble it into an interactive object according to the translation result, specifically including:

[0025] The interactive translation assembly component is used to translate the user's interactive data, translate the user's interactive behavior into action tags, and assign weights to the action tags to assemble them into an interactive object.

[0026] Optionally, the scene information includes the user's location information, movement information, device usage information, and the current operation page.

[0027] Optionally, the data integration component is also used to schedule the connection management component, the data cache component and the data cleaning conversion component to coordinate the flow and processing flow of the target data according to preset requirements.

[0028] In a second aspect, an embodiment of the present application provides a method for generating financial scenario marketing, the method adopts the financial scenario marketing generation system as described in the first aspect above, and the method includes:

[0029] In response to the user's authentication request, after the authentication is passed, obtaining target data related to the user from various core systems of the bank;

[0030] The user is deeply understood based on the target data, marketing content that meets the user's personalized needs is generated, and the marketing content is pushed to the user through the bank's mobile application platform.

[0031] The embodiment of the present application provides a financial scenario marketing generation system and method, which includes: an identity authentication component, an authorization control component, a connection management component, a data integration component, a data cache component, a data cleaning and conversion component, a customer preference inference component, a real-time recommendation response component, an interactive translation assembly component, and an interactive intention understanding component; the financial scenario marketing generation system communicates and connects with a bank mobile application platform and various core systems of the bank respectively, and the financial scenario marketing generation system serves as a key gateway for integrating multiple data, deepening user understanding, and optimizing product operations, and performs access security control, multi-terminal connection management, target data extraction, data privacy desensitization, and multi-head data integration into the bank mobile application platform for the bank's related systems, namely, the account management system, the risk management system and other core bank systems, and tracks user behavior during the use of the bank's application by external customers, infers interest preferences based on interactive intention understanding and multi-head data analysis, and performs real-time recommendation push, push content jump, and interactive evaluation feedback in combination with recommendation content management, thereby not only realizing personalized precision marketing, but also realizing transformation in a lightweight and low-invasive manner, effectively breaking the problems of data islands and data barriers existing within the bank. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the embodiments of the present application 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 some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0033] Figure 1 A structural block diagram of a financial scenario marketing generation system provided in an embodiment of the present application;

[0034] Figure 2 A flowchart of a financial scenario marketing generation method provided in an embodiment of the present application;

[0035] Figure 3 A schematic diagram of the overall process of generating financial scenario marketing provided in an embodiment of the present application. DETAILED DESCRIPTION

[0036] In banks and other financial institutions, compared with corporate business, retail customers pay more attention to the matching degree of product needs and the experience of obtaining related services. Therefore, in the context of the growing diversity of customer financial needs and the continuous impact of credit payment, deposit and loan business and investment and wealth management products of third-party Internet payment institutions on traditional bank deposit and loan business, retail business transformation has become an inevitable choice for traditional banking institutions. Using bank mobile application platforms (such as mobile banking mobile application APP, mini programs, public accounts, etc.) as natural traffic ramps, through the digital financial marketing system realized by intelligent data processing means, accurately locate the target customer group, quickly build financial marketing scenarios, personalize product recommendations and related services, and carry out targeted and continuous marketing optimization, it is conducive to reasonably avoiding legal and regulatory risks, strengthening customer demand interaction and feedback, improving marketing effectiveness and customer stickiness, and comprehensively achieving sustainable development and competition.

[0037] The digital financial marketing system is a service system built between the bank's mobile application and the core banking system. It uses technologies such as data integration, data analysis, and artificial intelligence to comprehensively mine the data characteristics of customers' account information, transaction data, risk data, business history, credit records, and application interaction behaviors, and infer their financial status, investment preferences, consumption habits and other information. Based on their current understanding of interaction intentions, it makes personalized product recommendations, customized content displays, and service push notifications. It monitors user behavior feedback in real time and dynamically adjusts and optimizes based on evaluation results. It can effectively meet customers' personalized financial management and financial needs while reducing marketing costs, thereby promoting business development and growth.

[0038] Specifically, due to the lack of an effective cross-departmental cooperation mechanism within banks, data islands and data barriers between different departments have long existed, and massive data have not been activated; in addition, due to the current technical architecture limitations and conservative technology selection preferences, the lack of artificial intelligence ecosystems and the lack of financial marketing scenario building capabilities. There is relatively little research on digital financial marketing, and an efficient and complete integrated system has not yet been formed. There are mainly the following solutions and cross-collections:

[0039] The first is to study the guiding financial marketing function with fixed exposure intensity for the main products and services within the bank. Banks evaluate market demand, develop products and related services, and design and produce promotional graphics in advance. They use the fixed exposure method of homepage carousel ads and specially set activity entrances to focus on displaying the main product activities and promotional offers of the season, guide users to display fixed display of main products and services, and effectively use the nearest optimal principle to increase the exposure and reach of the main products. The disadvantage is that the marketing conversion rate depends entirely on the bank's preliminary market evaluation and customer clicks. Due to limited exposure positions, the main products can usually only meet basic popular needs and fail to effectively take care of the diverse needs of customers.

[0040] The second is to study the prominent financial marketing function based on the instant trigger mechanism for the function menu jump action within the application. Banking institutions regularly manage and maintain the recommended products, services and consulting content associated with different function menus. At the same time, listeners are set up at all levels of menus in mobile applications, and the listening mechanism is used to capture the user's menu jump action, and the products and services associated with the user's current target function are recommended and marketed in the form of push messages and pop-up ads. The attention interruption marketing mechanism effectively attracts the curiosity and attention of customers, and the trigger marketing strategy specifically increases the exposure window and takes care of the customer's segmented scenario needs. However, push messages outside the application window are often easily ignored by customers, and a single trigger of a pop-up ad within the application window can usually only display a single recommended content, and the information density is insufficient; in addition, the recommended content is often determined by pre-setting, lacking personalized mining and customization of customer portraits.

[0041] The third is the research on personalized financial marketing functions based on customer personal center aggregation. Mobile applications set up product recommendation modules on the user's personal center page or related settings page, and recommend products and services that are expected to meet the user's actual conditions based on the user's personal information, account data, credit record and other information. Although this marketing solution can fully mine the characteristics of customer account data, due to the natural lack of scenarios in this marketing mechanism that centrally displays products and services, it fails to mine and feedback the user's interactive actions and scenarios within the application in a timely manner. The scenario-based demand matching relies on the user's delayed active realization, and the ability to build marketing scenarios is insufficient.

[0042] It can be seen that the digital financial marketing system of existing bank mobile applications has relatively simple functions, lacks artificial intelligence ecology, and is insufficient in building scenario-based financial marketing scenarios. It is unable to meet modern personalized financial marketing needs in the context of growing diversified customer needs and intensified competition within the industry.

[0043] Based on this, this application proposes a financial scenario marketing generation system and method. On the basis of integrating and rationally utilizing the above-mentioned means of exposure and reaching customers, it uses data integration technology, interactive recommendation technology and artificial intelligence for improvement. The constructed digital financial marketing system based on deep user understanding can fully tap user behavior data and personal preferences to achieve accurate personalized recommendations and customized services, and can intelligently adjust customer interactions and marketing decisions to improve marketing efficiency and customer satisfaction.

[0044] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0045] First embodiment

[0046] See also Figure 1 , is a structural block diagram of a financial scenario marketing generation system provided in this embodiment, such as Figure 1 As shown, the financial scenario marketing generation system 102 includes: an identity authentication component 1021, an authorization control component 1027, a connection management component 10212, a data integration component 10211, a data cache component 1026, a data cleaning and conversion component 1025, a customer preference inference component 1022, a real-time recommendation response component 1028, an interactive translation assembly component 1024, and an interactive intention understanding component 1023; at the same time, the financial scenario marketing generation system 102 communicates with the bank's mobile application platform 101 (such as mobile banking mobile application APP, mini-programs, public accounts, etc.) and various core systems 103 of the bank (such as account management system, transaction management system, risk management system, credit assessment system and other internal core systems, etc.), and the specific connection method is not limited.

[0047] Specifically, the overall workflow of the financial scenario marketing generation system 102 may include the following 10 steps:

[0048] 1. The user logs in and authenticates through the identity authentication component 1021

[0049] Data content: user identification number, user communication status token.

[0050] Data sources: user interactive input, user identity management system.

[0051] 2. The user enters a specific function page, and the page browsing action triggers an authorization application. The relevant permissions are enabled through the authorization control component 1027, and the permission management component pushes the permission identifier and specific perception information; so that the user can enter a specific application menu page and obtain the target data.

[0052] Data content: permission control identifier, user permission information (such as location information, motion information, mobile device information, nearby device information).

[0053] Data source: User authority information management system.

[0054] 3. The user enters a specific application menu page, and the action tracking triggers the data center to send user data;

[0055] Data content: user account information, user risk assessment information, user credit profile, user transaction profile, user interaction data (such as browsing time, number of clicks, click collection).

[0056] Data sources: account management system, risk management system, credit assessment system, and user portrait management system.

[0057] 4. At this point, the system has established data connections with multiple external cores, and the connection management component 10212 is used to manage the connection status between systems to ensure the effectiveness of user authentication, data consumption order, and real-time request response. The data integration component 10211 continuously obtains target data (monitoring and event-driven) based on the tags bound to the interactive components based on the user's interaction with the bank's mobile application platform 101 (such as mobile banking mobile application APP, mini-programs, public accounts, etc.); the data cache component 1026 caches and outputs the acquired data from other systems in an orderly manner. If new data of the same type comes in during the output, it will automatically overwrite and update; the data cleaning and conversion component 1025 is used to perform operations such as format conversion, cleaning, sensitive information desensitization, and deduplication on the data output by the data cache component 1026 to ensure that the data is available and meets regulatory requirements.

[0058] 5. For the data input in step 3, the customer preference inference component 1022 is used to first perform calculations and inferences based on various types of user data to calculate the user's preference distribution weight. The real-time recommendation response component pushes preference-related products and services from high to low based on the user's preference weight.

[0059] 6. The interactive translation assembly component 1024 is used to translate the user's interactive data, translate the user's interactive behavior into action labels, assign weights to the action labels, and assemble them into an interactive object to provide to the interactive intention understanding component.

[0060] 7. The interaction intention understanding component 1023 infers user intention based on reasoning models, rule matching and other methods, and updates the user portrait label.

[0061] 8. The customer preference inference component 1022 is also used to generate new inferences based on scenario information (such as the user's location information, movement information, device information, current page, etc.) and user portraits updated based on interactions, and push new recommended content through the real-time recommendation response component.

[0062] Next, if Figure 1 As shown, this application will introduce in detail the various components included in the financial scenario marketing generation system 102:

[0063] (1) The connection management component 10212 is used to manage the connection between the financial scenario marketing generation system and various core systems. Its main functions include connection configuration management, connection status monitoring, error exception handling and connection performance optimization. In terms of connection configuration management, it supports the selection of connection types such as database connection and API connection, integrates authentication methods such as basic authentication, OAuth authentication and API key, and can configure parameters such as host address, port, account, key, timeout, whether to use SSL encrypted transmission, etc. according to the connection type and authentication method; after the connection is established, it can visually monitor the connection establishment, disconnection, reconnection and other activities through heartbeat detection, real-time alarm and other methods, and record logs to timely discover and handle exceptions; the component supports error exception handling mechanisms such as sending alarms and automatic reconnection, and provides performance optimization methods such as concurrent connection control, asynchronous data request, connection pool management and data compression to ensure the availability, stability and efficiency of the connection.

[0064] (2) Data cache component 1026 is used to cache important data such as user information, transaction data, credit data, and recommended content. It supports flexible data cache strategies through configuration files, including common strategies such as time-based expiration strategy, access frequency-based expiration strategy, least recently used strategy, and least frequently used strategy. It manages and maintains the data validity period in combination with custom expiration management methods, such as scheduled expiration check, lazy expiration check, and expiration check based on cache strategy. In addition, it allows flexible optimization methods such as cache size, storage engine, multi-level cache, and data preloading to be set according to actual environment performance, thereby comprehensively improving the system response speed.

[0065] (3) The data cleaning and conversion component 1025 is used to configure and maintain data conversion, cleaning, desensitization, and merging rules. It performs field renaming, data type conversion, duplicate data removal, missing value processing, outlier elimination, and data standardization on database data and file data obtained from different core systems to ensure data integrity, consistency, and comparability, and desensitizes sensitive information to protect user privacy and data security.

[0066] (4) Data integration component 10211 supports the selection of event-driven or real-time subscription configuration methods to extract data from core systems such as account management systems, transaction management systems, and credit management systems, and schedules connection management components, data caching components, and data cleaning components to coordinate data flow and processing procedures based on demand.

[0067] (5) Interaction translation assembly component 1024 is used to receive in real time user interaction behavior signals such as click confirmation, click return, click favorite, text input, sliding browsing, screenshot, etc. transmitted in the form of HTTP requests based on the Web Hook mechanism in mobile applications, convert the format of the interaction behavior data, unify the units, reduce noise and remove duplicates, extract the operation type and related objects, and assemble the type, source, processing status and other information of the interaction behavior in the form of JSON text format or XML text format through metadata mapping to form an interaction behavior representation that can be understood by the system.

[0068] (6) The interactive intent understanding component 1023 constructs user intent using standardized labels or classification vectors, including scenarios such as user transfers, loan applications, and life bill payments. It takes the structured scenario representation of the scenario translation generation component and the structured interactive behavior representation of the interactive translation assembly component as input, combines the user's historical usage and user profile, and infers user intent through context-based temporal model reasoning, pattern matching, and rule engines, and sorts the resulting intent.

[0069] (7) Customer preference inference component 1022 supports the analysis of customer click-through rates, conversion rates, and repurchase rates for different financial products, related services, and information push content based on statistical methods, and generates preference representation vectors; based on key features such as occupation, age, account information, etc. in the user portrait, combined with the current interaction intention inference results, generates customer preference status information.

[0070] (8) Real-time recommendation response component 1028 maintains a recommendation content management library that includes financial products, related services, and information push. It uses collaborative filtering methods combined with statistical sorting, screening, and filtering to obtain candidate recommendation content based on interactive behavior and scenario understanding. By combining multiple recall recommendation methods such as dual-tower recall, hot-selling recall, and User2Item recall, it generates, sorts, and returns in real time the recommended content that matches the current customer needs for updating the recommended content of the mobile application.

[0071] (9) Identity authentication component 1021, as the function entry control generated by scenario-based marketing, triggers and provides multiple recognition methods such as receiving password verification, SMS verification code, fingerprint recognition, face recognition, etc. according to user security level authentication, records and manages user identity authentication results and validity expiration management, realizes precise control of system resources, effectively protects users' personal information security and data security, and avoids security audit risks.

[0072] (10) Authorization control component 1022, used to check the legitimacy of authorization for specific operations or resource access, send permission requests and verifications to mobile applications as needed, obtain access rights to resources including address book, SMS sending and receiving, speaker, recorder, camera, network status, geolocation information, motion information, etc., monitor, maintain and manage the session security between mobile applications and the financial scenario marketing generation system, and promptly terminate and cancel illegal or expired sessions.

[0073] In a possible implementation of this embodiment, the financial scenario marketing generation system of this embodiment further includes a scenario translation generation component 10210, such as Figure 1 As shown, the scene translation generation component 10210 is used to support the comprehensive representation of the scene data of the user's current location in a structured form using a preset format (JSON text format, XML markup language format, etc.), and extract the key information of the scene data of the user's current location through rule-based mapping, statistical model-based and neural network-based translation methods, and perform semantic translation to generate feature labels and related weights represented by the system understanding, as data input for the interaction intention understanding component 1023 and the customer preference inference component 1022.

[0074] In a possible implementation of this embodiment, the financial scenario marketing generation system of this embodiment further includes a user portrait management component 1029, such as Figure 1 As shown, the user portrait management component 1029 is used to integrate and analyze basic user information such as customer account information, transaction data, credit data, interactive behavior and current scene data, identify the characteristics and preferences of the user, and generate and store the user portrait of the user. It also supports query and retrieval functions, and supports classified search of user portraits based on user identification and key characteristics; in addition, the component is also used to continuously detect and analyze user interactive behavior and scene data, and timely update portrait information for subsequent customer preference speculation.

[0075] In summary, the present embodiment provides a financial scenario marketing generation system, which includes: an identity authentication component, an authorization control component, a connection management component, a data integration component, a data cache component, a data cleaning and conversion component, a customer preference inference component, a real-time recommendation response component, an interactive translation assembly component, and an interactive intention understanding component; the financial scenario marketing generation system communicates and connects with the bank's mobile application platform and various core systems of the bank respectively, and the financial scenario marketing generation system serves as a key gateway for integrating multiple data, deepening user understanding, and optimizing product operations. It performs access security control, multi-terminal connection management, target data extraction, data privacy desensitization, and multi-head data integration into the bank's mobile application platform for the bank's related systems, namely, the account management system, the risk management system and other core banking systems, tracks user behavior during use of the bank's application by external customers, infers interest preferences based on interactive intention understanding and multi-head data analysis, and performs real-time recommendation push, push content jump, and interactive evaluation feedback in combination with recommendation content management, thereby not only realizing personalized precision marketing, but also realizing transformation in a lightweight and low-invasive manner, effectively breaking the problems of data islands and data barriers existing within the bank.

[0076] Second embodiment

[0077] See also Figure 2 , is a flow chart of a financial scenario marketing generation method provided in this embodiment, the method comprising the following steps:

[0078] S201: In response to the user's authentication request, after the authentication is passed, the target data related to the user is obtained from various core systems of the bank.

[0079] S202: Conduct in-depth understanding of users based on target data, generate marketing content that meets the personalized needs of users, and push the marketing content to users through the bank's mobile application platform.

[0080] It can be seen that this embodiment can effectively adapt to the current situation of uneven technical infrastructure of the core system, provide a means of cross-departmental data collaboration, and efficiently activate massive customer data by providing an intermediate service (i.e., a financial scenario marketing generation system) between the bank's mobile application platform and various core systems of the bank; it can also effectively and deeply understand the immediate needs of customers, provide personalized financial marketing services, and improve the efficiency of online financial marketing. It can comprehensively realize customer data integration, interactive behavior tracking, scenario information perception, customer preference inference and other functions, and construct a financial scenario marketing generation system based on deep user understanding. While achieving highly lightweight development and low-invasive transformation, it greatly improves the marketing efficiency of the bank's mobile application platform and effectively improves the user experience.

[0081] In summary, in the face of the current problem of insufficient scene marketing construction capabilities of bank mobile application platforms, this application combines the WebHook mechanism, data integration technology and intelligent data processing technology, introduces improved means of generating financial scene marketing based on deep user understanding, encapsulates internal implementations in the form of modular components, and integrates functional components. It can achieve highly lightweight, low-invasive system development, deployment and transformation of existing mobile applications, and can effectively activate massive financial user data, improve the efficiency of online financial marketing, and improve the user experience of mobile applications. The overall implementation process is as follows: Figure 3 shown.

[0082] It can be known from the description of the above implementation mode that those skilled in the art can clearly understand that all or part of the steps in the above-mentioned embodiment method can be implemented by means of software plus a necessary general hardware platform. Based on such an understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art. The computer software product can be stored in a storage medium such as ROM / RAM, a disk, an optical disk, etc., including several instructions for enabling a computer device (which can be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the methods described in the various embodiments of the present application or certain parts of the embodiments.

[0083] It should be noted that the various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same or similar parts between the various embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part description.

[0084] It should also be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0085] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A financial scenario marketing generation system, characterized in that: The system includes: identity authentication component, authorization control component, connection management component, data integration component, data cache component, data cleaning and conversion component, customer preference inference component, real-time recommendation and response component, interactive translation assembly component, and interactive intention understanding component; the financial scenario marketing generation system communicates with the bank's mobile application platform and various core systems of the bank respectively; The identity authentication component is used to authenticate the identity of the user; The authorization control component is used to respond to the authorization application triggered by the user on the bank mobile application platform function page, and open the relevant permissions so that the user can enter the specific application menu page and obtain the target data; The connection management component is used to manage the connection between the financial scenario marketing generation system and various core systems of the bank; The data integration component is used to continuously obtain target data based on the interaction between the user and the bank mobile application platform according to the tag bound to the interaction component; The data cache component user caches and outputs the acquired data from other systems in an orderly manner; The data cleaning and conversion component is used to clean and convert the data output by the data cache component so that the processed data meets the preset requirements; The customer preference inference component is used to perform calculations based on the target data to obtain the preference distribution weight of the user; The real-time recommendation response component is used to push products and services related to the user's preferences from high to low according to the user's preference distribution weights; The interactive translation assembly component is used to translate the user's interactive data and assemble it into an interactive object according to the translation result; The interaction intention understanding component is used to infer the user's intention based on the interaction object and update the user's portrait label; The customer preference inference component is also used to generate new inference content based on the current scenario information and the updated portrait label of the user, and push the new inference content to the user through the real-time recommendation response component.

2. The control system according to claim 1, characterized in that: The system further comprises: a scene translation generation component; The scene translation generation component is used to support the comprehensive representation of the scene data of the user's current location in a structured form with a preset format, and extract key information of the scene data of the user's current location through rule-based mapping, statistical model-based and neural network-based translation methods, and perform semantic translation to generate feature labels and related weights represented by the system understanding, as data input for the interaction intention understanding component and the customer preference inference component.

3. The control system according to claim 2, characterized in that: The preset formats include JSON text format and XML markup language format.

4. The control system according to claim 1, characterized in that: The system also includes: a user portrait management component; The user portrait management component is used to integrate and analyze the user's basic information, interactive behavior and current scene data, identify the user's characteristics and preferences, and generate and store the user's user portrait.

5. The control system according to claim 4, characterized in that: The user portrait management component includes query and retrieval functions, which are used to support classified search of user portraits based on user identification and key features.

6. The system according to any one of claims 1 to 5, characterized in that: The sources of the target data include the account management system, risk management system, credit assessment system, and user portrait management system in each core system of the bank.

7. The system according to any one of claims 1 to 5, characterized in that: The interactive translation assembly component is used to translate the user's interactive data and assemble it into an interactive object according to the translation result, specifically including The interactive translation assembly component is used to translate the user's interactive data, translate the user's interactive behavior into action tags, and assign weights to the action tags to assemble them into an interactive object.

8. The system according to any one of claims 1 to 5, characterized in that: The scene information includes the user's location information, movement information, device information, and the current operation page.

9. The system according to any one of claims 1 to 5, characterized in that: The data integration component is also used to schedule the connection management component, the data cache component and the data cleaning conversion component to coordinate the flow and processing flow of the target data according to preset requirements.

10. A financial scenario marketing generation method, characterized in that: The method adopts the financial scenario marketing generation system according to any one of claims 1 to 9, and the method comprises: In response to the user's authentication request, after the authentication is passed, obtaining target data related to the user from various core systems of the bank; The user is deeply understood based on the target data, marketing content that meets the user's personalized needs is generated, and the marketing content is pushed to the user through the bank's mobile application platform.

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