A bank customer intelligent marketing method based on neural point process
By learning customer behavior data through neural point process models, the timing and probability of customer purchases can be predicted, solving the problems of dynamic capture and timing prediction in traditional machine learning marketing systems. This enables precise marketing and resource optimization, improving marketing efficiency and effectiveness.
CN122114978APending Publication Date: 2026-05-29BANK OF NANJING CO LTD
Patent Information
- Authority / Receiving Office
- CN Β· China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- BANK OF NANJING CO LTD
- Filing Date
- 2026-01-07
- Publication Date
- 2026-05-29
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Figure CN122114978A_ABST
Abstract
The present application relates to the technical field of bank customer intelligent marketing, and discloses a bank customer intelligent marketing method based on a neural point process, which comprises the following steps: converting preprocessed customer event data into vectorized customer event data required by a neural network model input; training a neural network to obtain an optimal neural point process model; outputting the probability of each customer purchasing a target product, and saving the purchase probability prediction results of all customers; forming an intelligent marketing scheme; calculating the performance indicators of the optimal neural point process model, and incorporating the calculation results into the iterative training of the next round of neural point process model to form continuous optimization of the neural point process model. The neural point process model is used for self-adaptive learning of event sequence patterns, which can not only accurately predict the purchase behavior of customers, but also predict the most likely purchase opportunity of customers, so as to more deeply mine the purchase intention of customers and provide more abundant customer information for marketing personnel.
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