A system and method for evaluating and intervening in decision-making using a ch index of consumer sentiment and behavior

Abstract

This invention discloses a CHI index assessment and decision-making intervention system that links consumer emotions with behavior, relating to the fields of consumer behavior analysis and intelligent decision-making technology. It includes a multimodal consumer data collection and fusion module, a CHI consumer health index assessment module, a consumption and psychological correlation analysis and intervention module, a full-process intelligent decision-making intervention module, a personalized consumer education empowerment module, and a consumer community interaction and data visualization module. This invention improves collection accuracy by optimizing OCR / speech recognition and data complementarity verification; it uses a random forest and GBDT fusion model to calculate the CHI index, achieving multi-dimensional consumer health assessment; it accurately identifies and alleviates consumer anxiety based on a fine-tuned large model and CBT; it effectively reduces irrational consumption through TCN real-time early warning and cooling-off period interception; it pushes tiered financial literacy education content based on user profiles; and it forms a complete ecological closed loop with an anonymous community and data visualization.

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