Bank package recommendation method and device

A recommendation method and recommendation device technology, applied in the field of intelligent algorithms, can solve the problems of inability to conveniently collect project fees, lack of package recommendations, etc., and achieve the effect of reducing business project expenses and increasing customer stickiness

Pending Publication Date: 2021-10-15
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
View PDF0 Cites 1 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] This application provides a bank package recommendation method to at least solve the current lack of package recommendations based on user needs and the inability to conveniently charge project fees

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Bank package recommendation method and device
  • Bank package recommendation method and device
  • Bank package recommendation method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0058] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. 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.

[0059] It should be noted that the bank package recommendation method and device disclosed in this application can be used in the field of financial technology, and can also be used in any field other than the financial technology field. The application field of the self-bank package recommendation method and device disclosed in this application No limit.

[0060]At present, the profits of commercial banks mainly come from the interest difference between depos...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention provides a bank package recommendation method and device. The method and the device can be applied to the financial field. The method comprises the following steps: matching a plurality of corresponding items according to obtained historical consumption behavior information of a customer; calculating a first package total price according to the charging amount of each project and a preset amount and discount mapping relation table; calculating a second package total price according to the charging amount of each project and preset total amount preferential information; and comparing the first package total price with the second package total price to generate a final package for recommendation. The consumption behavior data of the user is analyzed, a plurality of business items are accurately matched for the customer, the business items form a complete package, the package and the preferential price are calculated through two setting modes, and then the package with the most suitable preferential price is screened out to be recommended to the customer. According to the invention, while customer requirements are met, business project expenses of clients are reduced as much as possible, the clients are attracted through a more preferential package mode, and client stickiness is increased.

Description

technical field [0001] This application belongs to the technical field of intelligent algorithms, and in particular, relates to a bank package recommendation method and device. Background technique [0002] At present, the profits of commercial banks mainly come from the interest difference between deposits and loans and intermediary business income, while the intermediary business income of banks is received by fixed accounting subjects, and multiple actual items can be configured under a clear accounting subject, that is, customers in A definite item used when a certain business needs to pay a certain fee. A project needs to determine the specific scenario where this kind of business occurs, and also needs to clarify the project elements, such as corporate online banking inter-bank remittance, tuition collection, etc. belong to the scenario, such as channel, currency, amount, star rating, rate and discount, etc. belong to the project elements . [0003] In the prior art,...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q40/02G06Q30/02G06Q30/06
CPCG06Q40/02G06Q30/0207G06Q30/0631
Inventor 王玲芳刘悦沈建宾
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap