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.