The invention discloses a
consumer finance marketing strategy reaching model. According to the model, user behaviors and service data are acquired in real time through a
data acquisition system, a dynamic user portrait is constructed by adopting a multi-head self-attention mechanism of a Transform model, a user behavior sequence is coded into a 512-dimensional dynamic interest vector, and the 512-dimensional dynamic interest vector and a 128-dimensional static attribute vector are fused to generate a comprehensive portrait. And training a strategy network based on a PPO
reinforcement learning algorithm, modeling a marketing decision into a Markov
decision process, and outputting a personalized strategy including a
product type, a reach channel, an incentive limit and a reach opportunity. The
system collects
user feedback through full-
link data burying points, maintains experience playback pools with the capacity of 1 million, carries out
incremental learning every 4 hours, and adopts an elastic weight consolidation technology to avoid disastrous forgetting. A new strategy effect is verified through an A / B test, and automatic hyper-parameter tuning is carried out through
Bayesian optimization. Practical application shows that the marketing conversion rate of the model is improved from 2.3% to 3.1%, the ROI is improved from 1.5 to 2.1, and the complaint rate is reduced by 40%.