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Intelligent recommendation method for financial products

A technology of financial products and recommendation methods, applied in the field of data processing, can solve problems such as reducing the accuracy of recommendation, and achieve the effect of increasing purchase intention, increasing purchase rate, and improving accuracy

Pending Publication Date: 2020-09-04
BICAI BIG DATA TECH
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Problems solved by technology

[0004] However, in order to increase users’ willingness to purchase financial products, many existing financial products often set up activities such as raising interest rates during marketing, while Chinese invention patent CN108734587A only recommends based on the similarity between financial products and users, ignoring The impact of interest rate hikes and other activities on the recommendation results is reduced, which reduces the accuracy of the recommendation

Method used

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Embodiment Construction

[0035] For further elaborating the technical means and effects that the present invention adopts for reaching the intended purpose of the invention, below in conjunction with the preferred embodiments, the specific implementation, structure, features and effects of the present invention are described in detail as follows:

[0036] The invention discloses an intelligent recommendation method for financial products, and the intelligent recommendation method includes:

[0037] Obtain the similarity score between each financial product and user groups;

[0038] Calculation of an activity score for each financial product;

[0039] A recommendation result is formed based on the activity score and the similarity score.

[0040] The intelligent recommendation method disclosed by the present invention not only considers the similarity between each financial product and the user group, but also considers the sensitivity of the user group to activities, which obviously improves the accu...

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Abstract

The invention discloses an intelligent recommendation method for financial products. The method comprises the following steps: firstly, obtaining a similarity score between each financial product anda user group; then calculating an activity score of each financial product; finally, forming a recommendation result based on the activity score and the similarity score. The similarity between eachfinancial product and the user group is considered, the sensitivity of the user group to the activity is also considered, and the recommendation accuracy is obviously improved. Moreover, the intelligent recommendation method considers the sensitivity of the user group to activities, so that financial products with activities such as interest can be recommended to the user group, the purchase willingness of the user is improved, and the purchase rate of the financial products is finally improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to an intelligent recommendation method for financial products. Background technique [0002] With the rapid development of information technology and direct banking, the types and quantities of various wealth management products (such as funds, bonds and deposits, etc.) have increased dramatically. However, due to the different quality and credit evaluation of different financial products, users need to spend a lot of time looking for the products they are interested in among a large number of financial products, which poses certain challenges to the selection ability of financial product buyers. For this reason, in order to facilitate customers to accurately understand the financial products they are interested in, recommending personalized financial products to users through Internet technology has gradually become an important way for customers to quickly understand the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06G06Q30/02G06Q10/06
CPCG06Q40/06G06Q30/0201G06Q10/06393
Inventor 刘红跃周士夺路老虎刘伟
Owner BICAI BIG DATA TECH
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