Investment questionnaire determination method and device, equipment and medium

Abstract

The invention relates to the field of artificial intelligence and financial science and technology, and discloses an investment questionnaire determination method and device, equipment and a medium. The method comprises the following steps: acquiring basic data of each user, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction condition data of each investment product and a product identifier of a successfully-invested investment product as to-be-processed data; clustering each piece of to-be-processed data to obtain a user category of the user; screening all questionnaire survey data of the target investment product according to transaction condition data of the target investment product under the target user category and questionnaire feedback data corresponding to the target investment product to obtain a preset number of candidate questionnaire survey data; and obtaining the target questionnaire survey data according to the candidate questionnaire survey data and the application condition of the target investment product, so that the target questionnaire survey data conforms to the characteristics of the user and the characteristics of the target investment product, and is more targeted.

Description

Technical Field

[0001] The present invention relates to the fields of artificial intelligence and financial technology, and in particular to a method, device, equipment and medium for determining an investment questionnaire. Background Art

[0002] With the rapid development of emerging technologies such as artificial intelligence and big data, on the one hand, it has changed the customer base and their behavior, and on the other hand, it has also helped the investment industry to improve various business activities of the company through digital means. Compared with non-investment products, the purchase or application of investment products needs to meet certain regulatory and qualification requirements. When customers express their willingness to purchase investment products, the marketing seat will call them to inquire about a series of regulatory and qualification-related information, and finally match the most suitable investment product for the customer or inform the customer that there is no matching investment product.

[0003] The design of information inquiry questionnaires is crucial for marketing agents to convert customer value, improve customer experience, and improve service efficiency. At present, information inquiry questionnaires are mainly designed based on human experience, and the speed of updating and iteration of personal experience cannot keep up with the speed of change of customer groups. The investment questionnaires of existing investment products are often not suitable for customer groups, which reduces customer experience and affects the transaction success rate of investment products. Summary of the invention

[0004] The embodiments of the present invention provide a method, device, equipment and medium for determining an investment questionnaire, which enables determining corresponding investment questionnaires for different groups of users, so that the user groups and the investment questionnaires of investment products are more adapted, improve user experience, and further improve the transaction success rate of investment products.

[0005] In a first aspect, an embodiment of the present invention provides a method for determining an investment questionnaire, the method comprising:

[0006] Obtaining basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction data of each investment product, and product identification of the successfully invested investment product as data to be processed;

[0007] Clustering each of the to-be-processed data to obtain a user category of each of the users;

[0008] According to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product, the questionnaire survey data of the target investment product is screened to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category, and the target investment product is any investment product;

[0009] According to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, the target questionnaire survey data of the target investment product under the target user category is obtained.

[0010] In a second aspect, an embodiment of the present invention provides a device for determining an investment questionnaire, the device comprising:

[0011] A data acquisition module is used to acquire basic data corresponding to each user, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product, and product identification of the investment product that has been successfully invested in, as data to be processed;

[0012] A user category acquisition module, used for clustering each of the to-be-processed data to obtain a user category of each of the users;

[0013] A candidate questionnaire survey data acquisition module is used to screen the questionnaire survey data of the target investment product according to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product, so as to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category and the target investment product is any investment product;

[0014] The target questionnaire survey data acquisition module is used to obtain the target questionnaire survey data of the target investment product under the target user category according to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product.

[0015] In a third aspect, an embodiment of the present invention provides a computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the method described in any one of the embodiments of the present invention when executing the computer program.

[0016] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the method in any one of the embodiments of the present invention are implemented.

[0017] In the scheme implemented by the above-mentioned investment questionnaire determination method, device, equipment and medium, the basic data corresponding to each user, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product and the product identification of the successfully invested investment product can be obtained through the client as the data to be processed, and each piece of the data to be processed is clustered to obtain the user category of each user. According to the transaction status data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment, each questionnaire survey data of the target investment product is screened to obtain a preset number of candidate questionnaire survey data. According to each candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, the target questionnaire survey data of the target investment product under the target user category is obtained, and the target questionnaire survey data is fed back to the client. The technical solution of the embodiment of the present invention realizes obtaining the user category to which the user belongs based on the user's basic data, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product and product identification of successfully invested investment products, and then obtaining a preset number of candidate questionnaire survey data for target investment products under the target user category, and obtaining target questionnaire survey data from these candidate questionnaire survey data, so that the target questionnaire survey data conforms to both the user group characteristics and the characteristics of the target investment product, making the target questionnaire survey data more targeted, improving the user experience, and then improving the transaction success rate of the target investment product. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0019] Figure 1 It is a schematic diagram of the application environment of the method for determining the investment questionnaire in one embodiment of the present invention;

[0020] Figure 2 is a flow chart of a method for determining an investment questionnaire in one embodiment of the present invention;

[0021] Figure 3 It is a structural schematic diagram of a device for determining an investment questionnaire in one embodiment of the present invention;

[0022] Figure 4 is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0023] Figure 5It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0024] 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 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.

[0025] The method for determining the investment questionnaire provided by the embodiment of the present invention can be applied in the following aspects: Figure 1 In an application environment, the client communicates with the server through a network. The server can obtain basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction data for each investment product, and product identifications of successfully invested investment products through the client as data to be processed, cluster each data to be processed to obtain a user category for each user, screen each questionnaire data of the target investment product according to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment, obtain a preset number of candidate questionnaire data, obtain target questionnaire data of the target investment product under the target user category according to each candidate questionnaire data of the target investment product under the target user category and the application conditions of the target investment product, and feed the target questionnaire data back to the client. The technical scheme of the embodiment of the present invention realizes obtaining the user category to which the user belongs according to the basic data of the user, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction data of each investment product and the product identification of the investment product with successful investment, and then obtaining the preset number of candidate questionnaire survey data of the target investment product under the target user category, and obtaining the target questionnaire survey data from these candidate questionnaire survey data, so that the target questionnaire survey data not only meets the group characteristics of the user but also meets the characteristics of the target investment product, so that the target questionnaire survey data is more targeted, improves the user experience, and then improves the transaction success rate of the target investment product. Among them, the client can be but not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The server can be implemented with an independent server or a server cluster composed of multiple servers. The present invention is described in detail below through specific embodiments.

[0026] See also Figure 2 As shown, Figure 2 A flow chart of a method for determining an investment questionnaire provided by an embodiment of the present invention includes the following steps:

[0027] S110, obtaining basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction status data of each investment product, and product identification of the successfully invested investment product as data to be processed.

[0028] Among them, the basic data includes the user's age group, gender, industry category, city level, etc. Investment products include financial products and fund products, etc. Questionnaire survey data includes relevant questionnaires for investment products, which are used to understand the matching degree between users and investment products, etc. Questionnaire feedback data refers to the data fed back by users on questionnaire survey data. Transaction status data refers to whether the user finally purchases the investment product, etc. For example, transaction status data includes successful transactions or failed transactions. A successful transaction means that the user purchases the investment product, and a failed transaction means that the user does not purchase the investment product. The product identifier can refer to the name of the investment product, etc. Of course, the product identifier can be expressed in English, numbers or Chinese, etc. The data to be processed can refer to the data obtained by combining the aforementioned basic data, the questionnaire survey data of each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product, and the product identifier of the investment product that has been successfully invested. The combination method can be sequential splicing, etc.

[0029] Specifically, the basic data of each user, the questionnaire data for each investment product, the questionnaire data for each investment product, the questionnaire feedback data corresponding to each questionnaire data, the transaction data of each investment product and the product identification of successful investment products are obtained to obtain the data to be processed, so as to prepare for the subsequent clustering of the data to be processed.

[0030] S120: Cluster the data to be processed to obtain a user category of each user.

[0031] Among them, user categories refer to different user groups obtained according to the characteristics of the data to be processed.

[0032] Specifically, multiple cluster sets are obtained by clustering the data to be processed of each user, and the cluster category corresponding to each cluster set is used as the user category of the user corresponding to the data to be processed under the cluster set, so as to subsequently obtain the target questionnaire survey data of the investment products under each user category.

[0033] S130. Screening the questionnaire survey data of the target investment product according to the transaction status data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product to obtain a preset number of candidate questionnaire survey data.

[0034] The target user category is any user category, and the target investment product is any investment product.

[0035] Specifically, based on the transaction data of the target investment products under the target user category and the questionnaire feedback data corresponding to the target investment products, the questionnaire survey data of the target investment products under the target user category are screened to obtain a preset number of candidate questionnaire survey data. This step is used to screen the questionnaire survey data of the target investment products under the target user category, so that the accuracy of obtaining the target questionnaire survey data based on the candidate questionnaire survey data is better.

[0036] S140: Obtain target questionnaire survey data of the target investment product under the target user category according to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product.

[0037] Among them, the application conditions may refer to the conditions that users meet when selecting investment products for trading, including but not limited to age group, annual salary, credit conditions, etc.

[0038] In an embodiment of the present invention, target questionnaire survey data of the target investment product under the target user category is obtained based on each candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, so that the target questionnaire survey data meets the characteristics of the application conditions of the target investment product and the characteristics of the target user category. When users under the target user category provide feedback on the target questionnaire survey data of the target investment product, the user experience is improved.

[0039] The method for determining the investment questionnaire of the embodiment of the present invention can obtain the basic data corresponding to each user, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product and the product identification of the successfully invested investment product as the data to be processed, cluster the various data to be processed to obtain the user category of each user, and screen the various questionnaire survey data of the target investment product according to the transaction status data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment to obtain a preset number of candidate questionnaire survey data, and obtain the target questionnaire survey data of the target investment product under the target user category according to the various candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product. The technical solution of the embodiment of the present invention realizes obtaining the user category to which the user belongs based on the user's basic data, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product and product identification of successfully invested investment products, and then obtaining a preset number of candidate questionnaire survey data for target investment products under the target user category, and obtaining target questionnaire survey data from these candidate questionnaire survey data, so that the target questionnaire survey data conforms to both the user group characteristics and the characteristics of the target investment product, making the target questionnaire survey data more targeted, improving the user experience, and then improving the transaction success rate of the target investment product.

[0040] In another embodiment of the present invention, the basic data corresponding to each user, the questionnaire data for each investment product, the questionnaire feedback data corresponding to each questionnaire data, the transaction status data of each investment product, and the product identification of the successfully invested investment product are obtained as the data to be processed, including: obtaining the initial basic data of each user, and performing data cleaning, filling missing values ​​and removing outliers on the initial basic data in turn to obtain the basic data; obtaining the initial questionnaire data of each investment product of each user and the questionnaire feedback data corresponding to each initial questionnaire data; performing semantic representation on the initial questionnaire data to obtain the semantic data corresponding to the initial questionnaire data as the questionnaire data; representing the basic data of the user, the questionnaire data of each investment product, the questionnaire feedback data corresponding to each initial questionnaire data, the transaction status data of each investment product, and the identification of the successfully invested investment product in the form of a vector to obtain the data to be processed.

[0041] In the embodiment of the present invention, the initial basic data of each user is obtained, and the initial basic data is preprocessed, including data cleaning, filling missing values ​​and removing outliers, to obtain the basic data S 1a. Obtaining the initial questionnaire data of each investment product of each user and the questionnaire feedback data corresponding to each initial questionnaire data may be obtaining the initial questionnaire data and the corresponding questionnaire feedback data within a preset time period. The user's basic data, the questionnaire data of each investment product, the questionnaire feedback data corresponding to each initial questionnaire data, the transaction status data of each investment product, and the identification of the successfully invested investment product are represented in the form of a vector to obtain the data to be processed. The embodiment of the present invention implements the data preprocessing stage to obtain the data to be processed, ensures the accuracy of the data to be processed, and avoids affecting the subsequent calculation of user categories, etc.

[0042] The preset time period can be one month, three months, etc. Optionally, preliminary screening is performed on the questionnaire survey data and questionnaire feedback data so that the number of users, the number of questions, the basic data of users, and the distribution of successful transactions of investment products involved in each type of questionnaire survey data are consistent with the distribution of the full data, thereby increasing the accuracy and reliability of subsequent user categories, candidate questionnaire survey data, and target questionnaire survey data. The initial questionnaire survey data for each investment product of each user and the questionnaire feedback data corresponding to each initial questionnaire survey data are obtained.

[0043] Optionally, the question data in the questionnaire survey data has an order, and the question feedback data in the questionnaire feedback data has an order. According to the principle of correspondence, the order of the question data and the corresponding question feedback data is consistent. Optionally, the question data can be obtained from a preset information question library. Semantic information is extracted and vectorized based on the pre-trained target model. The target model can be a bag-of-words vector model and a bidirectional encoder representation model (BidirectionalEncoder Representation from Transformers, BERT), etc. Exemplarily, the vector representation of the user's questionnaire data can be a coding sequence V 1a =[v1,v2,…,v n ], where v represents the vectorized representation of the question data in the questionnaire survey data, n represents the sequence number of the question data, and a represents the user ID. The coded sequence is the questionnaire survey data of user a. In the embodiment of the present invention, the user's questionnaire feedback data can be obtained based on the user's first reply data to the questionnaire survey data. The sequence of the questionnaire feedback data is represented by C 1a =[c1,c2,…,c n], where c represents the user's feedback data on the question data. The question understanding in the questionnaire feedback data also includes two types of understanding: meeting the question conditions and not meeting the question conditions. That is, the questionnaire feedback data includes three situations: meeting the question conditions, not meeting the question conditions, and not understanding the question. Through the semantic information of the reply data, the question understanding is obtained, and then it is further judged whether the user's reply data meets the question conditions. Exemplarily, the question data is: Are you between 30 and 40 years old? If the reply data is: Yes, the question conditions are met. If the reply data is: No, the question conditions are not met. Optionally, c=1 means that the question conditions are met, c=0 means that the question conditions are not met, and c=-1 means that the question is not understood. Each user's questionnaire data for each investment product has a transaction status data y a , y = 1 means the transaction is successful, y = 0 means the transaction is unsuccessful. The product identifier of the investment product with a successful transaction can be p a Then the data to be processed by user a can be expressed as X 1a =[S 1a ,V 1a ,C 1a ,y a ,p a ].

[0044] In another embodiment of the present invention, the questionnaire survey data includes multiple question data, the questionnaire feedback data includes multiple question feedback data, each of the question data has corresponding question feedback data in the questionnaire feedback data, the question feedback data includes question understanding or question not understanding, and the transaction status data includes transaction success or transaction failure; the questionnaire survey data of the target investment product under the target user category is screened according to the transaction status data of the target investment product and the questionnaire feedback data corresponding to the target investment product to obtain a preset number of candidate questionnaire survey data, including: under the target user category, the transaction status data and the questionnaire feedback data of the target investment product are processed separately to obtain the transaction success rate of each questionnaire survey data of the target investment product and the question understanding rate of each question data in the questionnaire survey data; according to the transaction success rate and the question understanding rate, the questionnaire survey data of the target investment product under the target user category is screened to obtain a preset number of candidate questionnaire survey data.

[0045] The questionnaire survey data includes a plurality of question data, and each user has corresponding questionnaire feedback data for each questionnaire survey data. Correspondingly, each question data in the questionnaire survey data has corresponding question feedback data in the questionnaire feedback data. Question feedback data includes any one of question understanding and question not understanding. Question understanding can indicate that the user understands the question data, and question not understanding can indicate that the user does not understand the question data. The question understanding rate refers to the question understanding rate obtained for the question feedback data of each user, for example, the number of question understandings is divided by the number of all question feedback data, and the obtained value is used as the question understanding rate of the question data. The transaction success rate refers to the transaction status data of each target user under the target user category for the target investment product. For example, the number of users with successful transactions is divided by the total number of all users to obtain a value as the transaction success rate.

[0046] Specifically, under the target user category, the transaction data and questionnaire feedback data of the target investment product are processed respectively to obtain the transaction success rate of each questionnaire survey data of the target investment product and the question understanding rate of each question data in the questionnaire survey data. According to the transaction success rate and the question understanding rate, the questionnaire survey data of the target investment product under the target user category are screened to obtain a preset number of candidate questionnaire survey data. The solution of the embodiment of the present invention realizes the acquisition of candidate questionnaire survey data and improves the relevance of the candidate questionnaire survey data with the user.

[0047] In another embodiment of the present invention, the target questionnaire survey data of the target investment product under the target user category is obtained based on each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, including: obtaining the question understanding rate of each question data based on the question data in each of the questionnaire survey data and the question feedback data corresponding to the question data; performing similarity calculation between each of the candidate questionnaire survey data and the application conditions to obtain the similarity between each of the candidate questionnaire survey data and the application conditions; obtaining the target questionnaire survey data of the target investment product under the target user category based on the similarity and the question understanding rate of each question data in the candidate questionnaire survey data.

[0048] In an embodiment of the present invention, the question understanding rate of each question data is obtained according to the question data in each questionnaire survey data and the question feedback data corresponding to the question data. The similarity calculation is performed between each candidate questionnaire survey data and the application conditions to obtain the similarity between each candidate questionnaire survey data and the application conditions. Optionally, the candidate questionnaire survey data and the application conditions can be respectively vectorized and represented, and the two vectors can be obtained for similarity calculation. According to the similarity and the question understanding rate of each question data in the candidate questionnaire survey data, the target questionnaire call-out data of the target investment product under the target user category is obtained. Optionally, the similarity is sorted from large to small, and the question understanding rate of each question data is sorted from large to small, and then the preset number of candidate questionnaire survey data with both the similarity and the question understanding rate ranked first are used as the target questionnaire survey data. Of course, a candidate questionnaire survey data with both ranked first can be used as the target questionnaire survey data, which improves the matching degree of the target questionnaire survey data with the target investment product and the target user category, thereby improving the experience of the target user under the target user category.

[0049] In another embodiment of the present invention, the target questionnaire data of the target investment product under the target user category is obtained based on the similarity and the question understanding rate of each question data in the candidate questionnaire data, including: taking the candidate questionnaire data with the highest similarity under the target user category as the questionnaire data to be updated; according to the question type of each question data in the questionnaire data to be updated, obtaining each question data to be updated corresponding to the question data under each question type; based on the question understanding rate of each question data to be updated of each question type, respectively obtaining the target question data of each question type; based on each target question data, determining the target questionnaire data of the target investment product under the target user category.

[0050] Each question data has a corresponding question type, each question type includes multiple question data, and the question data to be updated refers to question data of the same question type as the question data.

[0051] Specifically, the candidate questionnaire survey data with the highest similarity under the target user category is used as the questionnaire survey data to be updated. Through this step, a candidate questionnaire survey data that best matches the application conditions of the target investment product can be screened out from the candidate questionnaire survey data. However, the expression method of the question data in the candidate questionnaire survey data needs to be determined based on the question understanding rate, that is, according to the question type of each question data in the questionnaire survey data to be updated, each question data to be updated corresponding to the question data under each question type is obtained, and based on the question understanding rate of each question data to be updated of each question type, the target question data of each question type is obtained respectively. In this way, based on the target question data, the target questionnaire survey data of the target investment product under the target user category is obtained, so that the target questionnaire survey data is the most matched with the application conditions of the target investment product, and the expression method of the question data in the target questionnaire survey data is also the best, so that the target questionnaire survey data is optimal.

[0052] In another embodiment of the present invention, the similarity calculation between each of the candidate questionnaire data and the application conditions to obtain the similarity between each of the candidate questionnaire data and the application conditions includes: obtaining multiple application sub-conditions of the target investment product according to the application rules of the target investment product; obtaining the application conditions according to the multiple application sub-conditions; respectively representing the candidate questionnaire data and the application conditions by vectors to obtain a questionnaire vector and an application condition vector; and calculating the similarity between the questionnaire vector and the application condition vector to obtain the similarity between each of the questionnaire data and the application conditions.

[0053] The application rules may refer to conditions that the user must meet corresponding to the investment product. For example, if the application rules include an age limit between 30 and 40, then the corresponding application sub-condition is that the user's age is in the range of [30-40].

[0054] Specifically, according to the application rules of the target investment product, multiple application sub-conditions of the target investment product are determined, and based on the multiple application sub-conditions, the application conditions are obtained, and the candidate questionnaire data and the application conditions are respectively vectorized and represented, and then the obtained questionnaire vector and application condition vector are similarly calculated to obtain the similarity between the two. The scheme of the embodiment of the present invention realizes the calculation of the similarity between the questionnaire data and the application conditions, and simplifies the complexity of the calculation through the scheme of calculating the similarity by vectors.

[0055] In another embodiment of the present invention, the method for obtaining questionnaire feedback data includes: obtaining user response data to each question data in questionnaire survey data; and obtaining questionnaire feedback data of the questionnaire survey data based on semantic information of each response data.

[0056] For example, if the question data is: Are you between 30 and 40 years old? and the response data is: Yes, then the questionnaire feedback data is question understanding.

[0057] In an embodiment of the present invention, the user's reply data to each question data in the questionnaire survey data is obtained, and then semantic information is extracted from the reply data. According to the semantic information of the obtained reply data, questionnaire feedback data of the questionnaire survey data is obtained. The acquisition of the questionnaire feedback data is realized through this step. The questionnaire feedback data is acquired through the semantic information of the reply data, thereby improving the accuracy of the questionnaire feedback data.

[0058] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0059] In one embodiment, a device for determining an investment questionnaire is provided, and the device for determining an investment questionnaire corresponds one-to-one to the method for determining an investment questionnaire in the above embodiment. Figure 3 As shown, the investment questionnaire determination device includes: a data acquisition module 410, a user category acquisition module 420, a candidate questionnaire survey data acquisition module 430 and a target questionnaire survey data acquisition module 440. The detailed description of each functional module is as follows:

[0060] The data acquisition module 410 is used to acquire the basic data corresponding to each user, the questionnaire data for each investment product, the questionnaire feedback data corresponding to each questionnaire data, the transaction data of each investment product and the product identification of the investment product that has been successfully invested in, as the data to be processed; the user category acquisition module 420 is used to cluster each of the data to be processed to obtain the user category of each user; the candidate questionnaire data acquisition module 430 is used to screen each of the questionnaire data of the target investment product under the target user category according to the transaction data of the target investment product and the questionnaire feedback data corresponding to the target investment product, to obtain a preset number of candidate questionnaire data, wherein the target user category is any user category and the target investment product refers to any investment product; the target questionnaire data acquisition module 440 is used to obtain the target questionnaire data of the target investment product under the target user category according to each of the candidate questionnaire data of the target investment product under the target user category and the application conditions of the target investment product.

[0061] In another embodiment of the present invention, the questionnaire survey data includes a plurality of question data, the questionnaire feedback data includes a plurality of question feedback data, each of the question data has a corresponding question feedback data in the questionnaire feedback data, the question feedback data includes question understanding or question non-understanding, and the transaction status data includes transaction success or transaction failure;

[0062] The candidate questionnaire survey data acquisition module 430 is also used for:

[0063] Under the target user category, the transaction data and the questionnaire feedback data of the target investment product are processed respectively to obtain the transaction success rate of each questionnaire survey data of the target investment product and the question understanding rate of each question data in the questionnaire survey data;

[0064] According to the transaction success rate and the question understanding rate, the questionnaire survey data of the target investment product under the target user category are screened to obtain a preset number of candidate questionnaire survey data.

[0065] In another embodiment of the present invention, the target questionnaire survey data acquisition module 440 is further used to:

[0066] Obtaining a question understanding rate of each question data according to the question data in each questionnaire survey data and the question feedback data corresponding to the question data;

[0067] Calculating the similarity between each candidate questionnaire survey data and the application condition to obtain the similarity between each candidate questionnaire survey data and the application condition;

[0068] The target questionnaire survey data of the target investment product under the target user category is obtained according to the similarity and the question understanding rate of each question data in the candidate questionnaire survey data.

[0069] In another embodiment of the present invention, the target questionnaire survey data acquisition module 440 is further used to:

[0070] taking the candidate questionnaire survey data with the highest similarity under the target user category as the questionnaire survey data to be updated;

[0071] According to the question type of each of the question data in the questionnaire survey data to be updated, obtaining each of the question data to be updated corresponding to the question data under each question type;

[0072] Based on the question comprehension rate of each of the to-be-updated question data of each question type, target question data of each question type are obtained respectively;

[0073] Based on each of the target question data, target questionnaire survey data of the target investment product under the target user category is determined.

[0074] In another embodiment of the present invention, the target questionnaire survey data acquisition module 440 is further used to:

[0075] According to the application rules of the target investment product, multiple application sub-conditions of the target investment product are obtained;

[0076] According to the plurality of application sub-conditions, obtaining the application condition;

[0077] Respectively representing the candidate questionnaire survey data and the application conditions by vectors to obtain a questionnaire survey vector and an application condition vector;

[0078] The similarity between the questionnaire survey vector and the application condition vector is calculated to obtain the similarity between each questionnaire survey data and the application condition.

[0079] In another embodiment of the present invention, the apparatus further comprises:

[0080] The questionnaire feedback data acquisition module is used to obtain the user's response data to each question in the questionnaire data;

[0081] According to the semantic information of each of the reply data, questionnaire feedback data of the questionnaire survey data is obtained.

[0082] In another embodiment of the present invention, the data acquisition module 410 is further used to:

[0083] Obtaining initial basic data of each user, and performing data cleaning, filling missing values, and removing outliers on the initial basic data in sequence to obtain basic data;

[0084] Obtaining initial questionnaire survey data for each investment product of each user and questionnaire feedback data corresponding to each initial questionnaire survey data;

[0085] Performing semantic representation on the initial questionnaire survey data to obtain semantic data corresponding to the initial questionnaire survey data as the questionnaire survey data;

[0086] The basic data of the user, the questionnaire data of each investment product, the questionnaire feedback data corresponding to each initial questionnaire data, the transaction data of each investment product and the identification of the successfully invested investment product are represented in vector form to obtain the data to be processed.

[0087] The present invention provides a device for determining an investment questionnaire, which obtains basic data corresponding to each user, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product and product identification of successfully invested investment products as data to be processed, clusters each data to be processed to obtain a user category of each user, screens each questionnaire survey data of the target investment product according to the transaction status data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment to obtain a preset number of candidate questionnaire survey data, and obtains target questionnaire survey data of the target investment product under the target user category according to each candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product. The technical solution of the embodiment of the present invention realizes obtaining the user category to which the user belongs based on the user's basic data, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product and product identification of successfully invested investment products, and then obtaining a preset number of candidate questionnaire survey data for target investment products under the target user category, and obtaining target questionnaire survey data from these candidate questionnaire survey data, so that the target questionnaire survey data conforms to both the user group characteristics and the characteristics of the target investment product, making the target questionnaire survey data more targeted, improving the user experience, and then improving the transaction success rate of the target investment product.

[0088] The specific definition of the device for determining the investment questionnaire can be found in the definition of the method for determining the investment questionnaire above, which will not be repeated here. Each module in the above-mentioned device for determining the investment questionnaire can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0089] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client through a network connection. When the computer program is executed by the processor, it realizes the functions or steps of a method for determining an investment questionnaire on the service side.

[0090] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server through a network connection. When the computer program is executed by the processor, the functions or steps on the client side of a method for determining an investment questionnaire are implemented.

[0091] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0092] Obtaining basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction data of each investment product, and product identification of the successfully invested investment product as data to be processed;

[0093] Clustering each of the to-be-processed data to obtain a user category of each of the users;

[0094] According to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product, the questionnaire survey data of each target investment product is screened to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category, and the target investment product is any investment product;

[0095] According to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, the target questionnaire survey data of the target investment product under the target user category is obtained.

[0096] In the computer device of the embodiment of the present invention, when the processor executes the computer program, the user category to which the user belongs is obtained based on the user's basic data, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product, and the product identification of the successfully invested investment product, and then a preset number of candidate questionnaire survey data for the target investment product under the target user category is obtained, and the target questionnaire survey data is obtained from these candidate questionnaire survey data, so that the target questionnaire survey data conforms to both the user group characteristics and the characteristics of the target investment product, making the target questionnaire survey data more targeted, improving the user experience, and thus improving the transaction success rate of the target investment product.

[0097] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0098] Obtaining basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction data of each investment product, and product identification of the successfully invested investment product as data to be processed;

[0099] Clustering each of the to-be-processed data to obtain a user category of each of the users;

[0100] According to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product, the questionnaire survey data of each target investment product is screened to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category, and the target investment product is any investment product;

[0101] According to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, the target questionnaire survey data of the target investment product under the target user category is obtained.

[0102] The computer-readable storage medium of the embodiment of the present invention, when the computer program is executed by the processor, obtains the user category to which the user belongs based on the user's basic data, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product, and the product identification of the successfully invested investment product, and then obtains a preset number of candidate questionnaire survey data for the target investment product under the target user category, and obtains the target questionnaire survey data from these candidate questionnaire survey data, so that the target questionnaire survey data conforms to both the user group characteristics and the characteristics of the target investment product, making the target questionnaire survey data more targeted, improving the user experience, and thus improving the transaction success rate of the target investment product.

[0103] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0104] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0105] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0106] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A method for determining an investment questionnaire, characterized in that: include: Obtaining basic data corresponding to each user, questionnaire data for each investment product, questionnaire feedback data corresponding to each questionnaire data, transaction data of each investment product, and product identification of the successfully invested investment product as data to be processed; Clustering each of the to-be-processed data to obtain a user category of each of the users; According to the transaction data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product, the questionnaire survey data of each target investment product is screened to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category, and the target investment product is any investment product; According to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product, the target questionnaire survey data of the target investment product under the target user category is obtained.

2. The method for determining an investment questionnaire according to claim 1, characterized in that: The questionnaire survey data includes a plurality of question data, the questionnaire feedback data includes a plurality of question feedback data, each of the question data has corresponding question feedback data in the questionnaire feedback data, the question feedback data includes question understanding or question non-understanding, and the transaction status data includes transaction success or transaction failure; The step of screening the questionnaire survey data of the target investment product according to the transaction status data of the target investment product under the target user category and the questionnaire feedback data corresponding to the target investment product to obtain a preset number of candidate questionnaire survey data includes: Under the target user category, the transaction data and the questionnaire feedback data of the target investment product are processed respectively to obtain the transaction success rate of each questionnaire survey data of the target investment product and the question understanding rate of each question data in the questionnaire survey data; According to the transaction success rate and the question understanding rate, the questionnaire survey data of the target investment product under the target user category are screened to obtain a preset number of candidate questionnaire survey data.

3. The method for determining an investment questionnaire according to claim 2, characterized in that: The step of obtaining target questionnaire survey data of the target investment product under the target user category according to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product comprises: Obtaining a question understanding rate of each question data according to the question data in each questionnaire survey data and the question feedback data corresponding to the question data; Calculating the similarity between each candidate questionnaire survey data and the application condition to obtain the similarity between each candidate questionnaire survey data and the application condition; The target questionnaire survey data of the target investment product under the target user category is obtained according to the similarity and the question understanding rate of each question data in the candidate questionnaire survey data.

4. The method for determining an investment questionnaire according to claim 3, characterized in that: The step of obtaining the target questionnaire survey data of the target investment product under the target user category according to the similarity and the question understanding rate of each question data in the candidate questionnaire survey data includes: taking the candidate questionnaire survey data with the highest similarity under the target user category as the questionnaire survey data to be updated; According to the question type of each of the question data in the questionnaire survey data to be updated, obtaining each of the question data to be updated corresponding to the question data under each question type; Based on the question comprehension rate of each of the to-be-updated question data of each question type, target question data of each question type are obtained respectively; Based on each of the target question data, target questionnaire survey data of the target investment product under the target user category is determined.

5. The method for determining an investment questionnaire according to claim 3, characterized in that: The calculating the similarity between each candidate questionnaire survey data and the application condition to obtain the similarity between each candidate questionnaire survey data and the application condition includes: According to the application rules of the target investment product, multiple application sub-conditions of the target investment product are obtained; According to the plurality of application sub-conditions, obtaining the application condition; Respectively representing the candidate questionnaire survey data and the application conditions by vectors to obtain a questionnaire survey vector and an application condition vector; The similarity between the questionnaire survey vector and the application condition vector is calculated to obtain the similarity between each questionnaire survey data and the application condition.

6. The method for determining an investment questionnaire according to claim 2, characterized in that: The method for obtaining questionnaire feedback data includes: Obtain the user's response data for each question in the questionnaire data; According to the semantic information of each of the reply data, questionnaire feedback data of the questionnaire survey data is obtained.

7. The method for determining an investment questionnaire according to claim 1, characterized in that: The basic data corresponding to each user, the questionnaire survey data for each investment product, the questionnaire feedback data corresponding to each questionnaire survey data, the transaction status data of each investment product, and the product identification of the successfully invested investment product are obtained as the data to be processed, including: Obtaining initial basic data of each user, and performing data cleaning, filling missing values, and removing outliers on the initial basic data in sequence to obtain basic data; Obtaining initial questionnaire survey data for each investment product of each user and questionnaire feedback data corresponding to each initial questionnaire survey data; Performing semantic representation on the initial questionnaire survey data to obtain semantic data corresponding to the initial questionnaire survey data as the questionnaire survey data; The basic data of the user, the questionnaire data of each investment product, the questionnaire feedback data corresponding to each initial questionnaire data, the transaction data of each investment product and the identification of the successfully invested investment product are represented in vector form to obtain the data to be processed.

8. A device for determining an investment questionnaire, characterized in that: include: A data acquisition module is used to acquire basic data corresponding to each user, questionnaire survey data for each investment product, questionnaire feedback data corresponding to each questionnaire survey data, transaction status data of each investment product, and product identification of the investment product that has been successfully invested in, as data to be processed; A user category acquisition module, used for clustering each of the to-be-processed data to obtain a user category of each of the users; A candidate questionnaire survey data acquisition module is used to screen the questionnaire survey data of the target investment product under the target user category according to the transaction data of the target investment product and the questionnaire feedback data corresponding to the target investment product, so as to obtain a preset number of candidate questionnaire survey data, wherein the target user category is any user category and the target investment product is any investment product; The target questionnaire survey data acquisition module is used to obtain the target questionnaire survey data of the target investment product under the target user category according to each of the candidate questionnaire survey data of the target investment product under the target user category and the application conditions of the target investment product.

9. A computer 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 computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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