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Financial product recommendation method and device

A technology for recommending methods and products, applied in the field of big data analysis and artificial intelligence, which can solve the problems of users being unable to find financial products quickly and accurately, affecting user experience, and low accuracy.

Pending Publication Date: 2021-06-25
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the field of financing services for small, medium and micro enterprises, a wide variety of financial products have been launched for different types of users. To accurately and quickly find financial products that suit them, companies need to spend a lot of time looking for financial products that suit them, which not only affects user experience, but also increases the cost of reaching users for financial institutions' products
Nowadays, more intelligently recommended wealth management solutions are only designed based on big data, and the collection of big data information is only for the information of wealth management products themselves. The final recommended wealth management products do not quite meet the needs of customers, that is, the accuracy is not high.

Method used

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  • Financial product recommendation method and device

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Embodiment Construction

[0050] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0051] Before fully describing the technical solution in this embodiment, the technical field related to the technical solution in this embodiment will be described. The technical solution in this embodiment can analyze and process a large amount of data, so the technical solution in the embodiment relates to the field of big data technology,...

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Abstract

The invention provides a financial product recommendation method and device, and relates to the technical field of big data analysis and artificial intelligence. The recommendation method comprises the steps: obtaining financial management data of a family customer, wherein the financial management data comprises an investment type; carrying out tagging processing on investment types in the financial management data to obtain customer tags of family customers, and carrying out clustering division on financial management types of the family customers according to the customer tags; determining customer portraits of the family customers in each type and preference degrees for different financial products; and determining a financial product recommendation list corresponding to the family customers based on the customer portraits, the preference degree and a preset classification model. According to the invention, financial products can be quickly and accurately recommended to users from massive financial products.

Description

technical field [0001] The invention relates to the technical fields of big data analysis and artificial intelligence, in particular to a method and device for recommending wealth management products. Background technique [0002] With the development of the industrial revolution and the establishment of cities, profit-seeking drives the population to conduct financial management. For a large number of professionals in the non-financial field, their income cannot be allocated very well, and they miss the opportunity to make money in directionless investment or consumption. Opportunities, they all very much hope that there will be a high-security plan that directly implements financial management with less brains. [0003] In the field of financing services for small, medium and micro enterprises, a wide variety of financial products have been launched for different types of users. To accurately and quickly find financial products that suit them, companies need to spend a lo...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/06G06Q40/06G06K9/62
CPCG06Q30/0631G06Q40/06G06F18/23G06F18/241
Inventor 徐蕾张诚
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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