CN110287408A - A kind of method and system customizing push financial product - Google Patents
A kind of method and system customizing push financial product Download PDFInfo
- Publication number
- CN110287408A CN110287408A CN201910433574.0A CN201910433574A CN110287408A CN 110287408 A CN110287408 A CN 110287408A CN 201910433574 A CN201910433574 A CN 201910433574A CN 110287408 A CN110287408 A CN 110287408A
- Authority
- CN
- China
- Prior art keywords
- user
- financial product
- financial
- assets
- platform
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
- G06F16/9535—Search customisation based on user profiles and personalisation
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Landscapes
- Engineering & Computer Science (AREA)
- Databases & Information Systems (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Accounting & Taxation (AREA)
- Data Mining & Analysis (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention discloses a kind of method and system for customizing push financial product, belongs to field of computer technology, and this method includes at least following steps: classifying to the financial product in financial platform, obtains financial product classification results；Obtain the user information of financial platform user；It based on user information, is labelled by disaggregated model trained in advance to user, obtains user's mark result；According to mark as a result, passing through the financial product recommended models constructed in advance, recommend corresponding product to user.This method by this finance platform user is carried out application program installation and use, user the various dimensions such as the assets distribution situation of operation behavior, user in the financial platform in the financial platform analysis and mark, to comprehensively consider the risk partiality and way to manage money of user, classification mark result is matched with the financial product classified in advance, to customize recommend financial product to financial platform user, improves and recommend precision to improve user experience.
Description
Technical field
The present invention relates to field of computer technology, in particular to a kind of method and system for customizing push financial product.
Background technique
With the development of internet financial platform, society starts slowly to receive internet and manages money matters this novel financing
Mode, but most users are due to itself educational level and to the scarcity of product relevant knowledge, for internet product acceptance
It is still very low.
Most of financing corporations are all that the investment by the way of investing questionnaire, by simply acquiring user is anticipated at this stage
To, and roughly judge investment risk, to user's recommended products.The drawbacks of this mode is cannot be pointedly to having not
User with financial needs pushes purchasing demand and the matched finance product of purchasing power with itself, and usage experience is simultaneously bad,
Then there is the result that most of financing users hope internet way to manage money and halt.
Therefore it provides a kind of pointedly can push matched financing with itself to the user with different financial needs
Product is current urgent problem to be solved.
Summary of the invention
In order to solve the above technical problems, the present invention provides a kind of method and system for customizing push financial product,
Multi dimensional analysis can be carried out to financing user, to comprehensively consider the risk partiality and way to manage money of user, to customize to gold
Melt platform user and recommend financial product, improves and recommend precision to improve user experience.
Technical solution provided in an embodiment of the present invention is as follows:
In a first aspect, providing a kind of method for customizing push financial product, the method includes at least following steps:
Classify to the financial product in financial platform by risk, income and periods dimension, obtains financial product classification
As a result；
Obtain the user information of the financial platform user；
It based on the user information, is labelled by disaggregated model trained in advance to the user, obtains user's mark
As a result；
According to user's mark as a result, passing through the financial product recommended models constructed in advance, Xiang Suoshu user recommends phase
Answer product；
Wherein, the user information includes at least:
The user logs in the electronic equipment used when financial product platform, the installation and service condition of application program；
And operation behavior of the user in the financial platform, the operation behavior include clicking rate and residence time；And it is described
Assets distribution situation of the user in the financial platform.
In some embodiments, described to be based on the user information, by disaggregated model trained in advance to the user
It labels, specifically includes following sub-step:
Obtain the application program total quantity installed and used in consumer electronic devices, financial class number of applications, consumption
Class number of applications of doing shopping and amusement and leisure class number of applications；
Calculate separately financial class number of applications, shopping class number of applications and amusement and leisure class application program
Accounting of the quantity in application program total quantity；
Based on the accounting, answered according to the financial class application program, shopping class application program and amusement and leisure class
With program installation and the default accounting threshold value of usage quantity, label is matched for user.
In some embodiments, described to be based on the user information, by disaggregated model trained in advance to the user
It labels, specifically includes following sub-step:
User is obtained in financial platform to the clicking rate of any financial product, residence time and the class for clicking financial product
Type；
If the clicking rate of the financial product and residence time reach preset threshold, by the type of the financial product
Label as the user；
If same type of financial product is not less than two in browse path, using the financial product type as described in
The label of user.
In some embodiments, described to be based on the user information, by disaggregated model trained in advance to the user
It labels, specifically includes following sub-step:
Assets distribution situation of the user in the financial platform is obtained, the assets distribution situation includes flowing money
Production and each financial product assets；
Calculate the current assets, each financial product assets account for the accounting of total assets respectively；
Based on the accounting, according to current assets, the default accounting threshold value of each financial product assets, mark is matched for user
Label.
In some embodiments, the basis labels as a result, passing through the financial product recommended models constructed in advance, to institute
It states user and recommends corresponding product, specifically include following sub-step:
Obtain different types of number of labels and total number of labels in the mark result；
Calculate the accounting of all types of number of labels；
According to default fractional threshold, the quantity of financial product type and each type financial product is matched；
Financial product list is generated, and the financial product list is pushed into user.
On the other hand, a kind of system for customizing push financial product is provided, the system includes at least:
Financial product categorization module: for being carried out to the financial product in financial platform by risk, income and periods dimension
Classification；
User profile acquisition module: for obtaining the user information of the financial platform user；
Label model: it for being based on the user information, is labelled by disaggregated model trained in advance to the user；
Recommending module: labelling for basis as a result, passing through the financial product recommended models constructed in advance, Xiang Suoshu user
Recommend corresponding product；
Wherein, the user information includes at least:
The user logs in the electronic equipment used when financial product platform, the installation and service condition of application program；
And operation behavior of the user in the financial platform, the operation behavior include clicking rate and residence time；And it is described
Assets distribution situation of the user in the financial platform.
In some embodiments, the label model includes at least following submodule:
First acquisition submodule: for obtaining application program total quantity, the finance installing and use in consumer electronic devices
Class number of applications, shopping class number of applications and amusement and leisure class number of applications；
First computational submodule: for calculating separately financial class number of applications, shopping class number of applications
And accounting of the amusement and leisure class number of applications in application program total quantity；
First matched sub-block: for being based on the accounting, according to the financial class application program, shopping class application
The default accounting threshold value of program and the installation of amusement and leisure class application program and usage quantity, matches label for user.
In some embodiments, the label model includes at least following submodule:
Second acquisition submodule: for obtain user in financial platform to the clicking rate of any financial product, stop when
Between and click financial product type；
Second matched sub-block: if reaching preset threshold for the clicking rate of the financial product and residence time,
Using the type of the financial product as the label of the user；
Third matched sub-block:, will be described if being not less than two for same type of financial product in browse path
Label of the financial product type as the user.
In some embodiments, the label model includes at least following submodule:
Third acquisition submodule: for obtaining assets distribution situation of the user in the financial platform, the money
Producing distribution situation includes current assets and each financial product assets；
Second computational submodule: for calculating the current assets, each financial product assets account for the accounting of total assets respectively；
4th matched sub-block: for being based on the accounting, according to current assets, the default accounting of each financial product assets
Threshold value matches label for user.
In some embodiments, the recommending module includes at least following submodule:
4th acquisition submodule: for obtaining different types of number of labels and total number of labels in the mark result；
Third computational submodule: for calculating the accounting of all types of number of labels；
5th matched sub-block: for according to fractional threshold is preset, matching the financial product type and each type gold
Melt the quantity of product；
Generate submodule: for generating financial product list；
Recommend submodule: for the financial product list to be pushed to user.
The beneficial effect of the present invention compared to existing technologies is:
The embodiment of the present invention provides a kind of method and system for customizing push financial product, and this method passes through to this finance
Platform user carries out the operation behavior in the financial platform of installation and use, user of application program, user in the gold
Melt the analysis and mark of the various dimensions such as the assets distribution situation on platform, to comprehensively consider risk partiality and the financing side of user
Classification mark result is matched with the financial product classified in advance, to customize is pushed away to financial platform user by formula
Financial product is recommended, improves and recommends precision to improve user experience.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is the flow chart for the method that one of embodiment of the present invention one customizes push financial product；
Fig. 2 is the structural schematic diagram for the system that one of embodiment of the present invention two customizes push financial product.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached in the embodiment of the present invention
Figure, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only this
Invention a part of the embodiment, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall within the protection scope of the present invention.
Embodiment one
The present embodiment provides a kind of methods for customizing push financial product, belong to field of computer technology, are suitable for gold
Melt Products Show business scenario.
A kind of method of customization push financial product provided in the present embodiment, includes at least following steps:
S1, classify to the financial product in financial platform by risk, income and periods dimension, obtain financial product point
Class result.
One financial product can carry out qualitative or classification, such as risk, income and period dimension from various dimensions, specifically may be used
It is divided into the classes such as high risk, risk, low-risk, high yield, middle income, low income, long period, middle period, short cycle, current
Type.
When being classified, risk height, the income of financial product by setting respective algorithms or disaggregated model, can be judged
Height and period length.Type dimension by financial product in this present embodiment is less, and the type of every dimension is also less, because
This corresponding algorithm and disaggregated model are relatively simple, even, can also be by manually classifying.
S2, the user information for obtaining financial platform user.
User information includes at least: user logs in the electronic equipment used when financial product platform, the peace of application program
Dress and service condition；And operation behavior of the user in financial platform, operation behavior include clicking rate and residence time；And user
Assets distribution situation in financial platform.
Specifically, step S2 is specifically included:
S2a, application program installation and service condition are obtained, which includes at least following sub-step:
S2a1, the permission for obtaining electronic product.
It allows user to fill in associated authorization agreement by playing frame prompt or other modes, obtains the power of relevant mobile device
Limit.
S2a2, after obtaining mobile device permission, answering for current application program can be obtained in user launches application
With information, thus the installation and service condition of application program in mobile device are obtained.
Specifically, current application can be obtained by the getInstalledPackages method of calling PackageManger
All application messages of program installation.
Further, step S2 further include:
S2b, operation behavior of the user in financial platform is obtained, which includes at least following sub-step:
S2b1, it data is done in financial platform related pages buries a little, or access You Meng, mind such as survey at third parties' tool；
In browsing pages in financial platform, record user clicks on the page, slides, residence time etc. by S2b1, user
Operation behavior.
Further, step S2 further include:
S2c, assets distribution situation of the user in financial platform, the step are obtained specifically:
Financial platform reads assets distributed intelligence of the user on platform, assets distributed intelligence packet according to user's financing account
Include the assets held, current assets, the purchase amount of money for buying product type, each product.
S3, it is based on user information, is labelled by disaggregated model trained in advance to user, obtain user's mark result.
Disaggregated model employed in the step can carry out training in advance according to CART, ID3, C4.5, CHAID scheduling algorithm and obtain.
Specifically, step S3 includes following sub-step:
A, installation and service condition based on application program in electronic equipment carry out mark, specifically:
S3a1, obtain the application program total quantity installed and used in consumer electronic devices, financial class number of applications,
Shopping class number of applications and amusement and leisure class number of applications.
S3a2, it financial class number of applications, shopping class number of applications and amusement and leisure class is calculated separately answers
With accounting of the program quantity in application program total quantity.
S3a3, it is based on accounting, according to financial class application program, shopping class application program and amusement and leisure class application journey
The default accounting threshold value of sequence installation and usage quantity matches label for user.
Accounting threshold value herein, illustratively:
The stock of such as user installation, fund, p2p correlative investment financing class number of applications are more than 30%, can be illustrated
The risk partiality of user and financial knowledge are stronger, can match high risk label for user；If correlative investment is managed money matters, application program is super
It crosses 20% and is lower than 30%, then can match risk label for user；If correlative investment is managed money matters, application program is lower than 20%, can
For dangerous label low in user's matching.
If the consumption of user installation is more than 30% with the relevant product of shopping class, user can be illustrated to the mobility of cash
Demand is stronger, and current or period short label and high risk label can be matched for user, otherwise matches low-risk label.
Amusement and the relevant product of leisure such as user installation are more than 30%, it is believed that user does not like management money usually
It produces, but has certain demand to write-up assets, high risk beginning grade long period label can be matched for user.
B, the operation behavior based on user in the financial platform carries out mark, specifically:
S3b1, user is obtained in financial platform to the clicking rate of any financial product, residence time and click finance production
The type of product；
If the clicking rate of S3b2, financial product and residence time reach preset threshold, the type of financial product is made
For the label of user；
If same type of financial product is not less than two in S3b3, browse path, using financial product type as institute
State the label of user.
Threshold value herein, can be according to practical flexible setting, illustratively:
As user is higher to certain type of financial product clicking rate and the residence time is more than 10min, it is believed that the risk of the user
Preference and such financial product are convergent, therefore can be using the type of financial product as the label of user.
If user is during checking multiple product, there are same nature or height to become in the path of browsing Related product
With financial product two or more, it is believed that the risk partiality of the user and such financial product are convergent, therefore can will be golden
Melt label of the type as user of product.
C, the assets distribution situation based on user in financial platform carries out mark, specifically:
S3c1, assets distribution situation of the user in financial platform is obtained, assets distribution situation includes current assets and each
Financial product assets；
S3c2, calculating current assets, each financial product assets account for the accounting of total assets respectively；
S3c3, it is based on accounting, according to current assets, the default accounting threshold value of each financial product assets, matches mark for user
Label.
Accounting threshold value herein, can be according to practical flexible setting, illustratively:
If user only holds the lower assets of the rate of call, maximum probability illustrates that user favors mobility high request height, is not
Focus on very much the product of income, user is relatively more conservative, that can be the matched label of the user are as follows: short cycle, low income.
S4, according to user's mark as a result, by the financial product recommended models that construct in advance, recommend corresponding produce to user
Product.The commercial product recommending recommended models used in the step, can be based on this fields such as matrix decomposition model, deep neural network models
Training obtains common model in advance.
Specifically include following sub-step:
S41, different types of number of labels and total number of labels in user's mark result are obtained, wherein the mark knot of the user
Fruit is tally set.
S42, the accounting for calculating all types of number of labels.
Illustratively, if number of labels is 15 in the mark result of active user, wherein respectively high risk 5, low wind
Danger 0, short cycle 3, long period 2, high yield 4, low income 1, then high risk, low-risk, short cycle, long period, high yield, low receipts
The accounting of benefit is respectively as follows: 33%, 0%, 20%, 14%, 27%, 7%.
S43, basis preset fractional threshold, match the quantity of financial product type and each type financial product.
Threshold value herein, can according to practical flexible setting, the quantity of financial product, equally can according to the acceptance of client into
Row is adjusted flexibly, and usually recommends 5.Illustratively:
According to above-mentioned mark as a result, due to the high risk of the user, low-risk, short cycle, long period, high yield, low receipts
The accounting of benefit is respectively as follows: 33%, 0%, 20%, 14%, 27%, 7%, then high risk, short cycle, long week can be matched for the user
Phase, high yield financial product the first financial product type is obtained by permutation and combination are as follows: high risk, high is received short cycle
Benefit, second of financial product type are as follows: high risk, long period, high yield, the first financial product quantity are 3, second of finance
Product quantity is 2.
By being matched with the financial product classification results in step S1, matching financial product type and every one kind are obtained
The quantity of type financial product.
S44, financial product list is generated, and the financial product list is pushed into user.
A kind of method customizing push financial product provided in this embodiment, by answering this finance platform user
With the installation and use of program, user in the assets of operation behavior, user in the financial platform in the financial platform
The analysis and mark of the various dimensions such as distribution situation, to comprehensively consider the risk partiality and way to manage money of user, by mark knot of classifying
Fruit is matched with the financial product classified in advance, to customize recommends financial product to financial platform user, is improved
Recommend precision to improve user experience.
Embodiment two
To execute the method that one of above-described embodiment one customizes push financial product, it is fixed that the present embodiment provides one kind
The system of inhibition and generation push financial product.
Fig. 2 is the structural schematic diagram for the system that the customization pushes financial product, as shown in Fig. 2, the system 100 is at least wrapped
It includes:
Financial product categorization module 1: for being carried out to the financial product in financial platform by risk, income and periods dimension
Classification；
User profile acquisition module 2: for obtaining the user information of financial platform user；
Label model 3: it for being based on user information, is labelled by disaggregated model trained in advance to user；
Recommending module 4: for being pushed away to user according to labelling as a result, by the financial product recommended models that construct in advance
Recommend corresponding product；
Wherein, user information includes at least:
User logs in the electronic equipment used when financial product platform, the installation and service condition of application program；And it uses
Operation behavior of the family in financial platform, operation behavior include clicking rate and residence time；And money of the user in financial platform
Produce distribution situation.
Further, label model 3 includes at least following submodule:
First acquisition submodule 31: for obtaining the application program total quantity installed and used in consumer electronic devices, gold
Melt class number of applications, shopping class number of applications and amusement and leisure class number of applications；
First computational submodule 32: for calculating separately financial class number of applications, shopping class application program number
The accounting of amount and amusement and leisure class number of applications in application program total quantity；
First matched sub-block 33: for be based on accounting, according to financial class application program, shopping class application program and
The default accounting threshold value of the installation of amusement and leisure class application program and usage quantity matches label for user.
Further, label model 3 includes at least following submodule:
Second acquisition submodule 34: for obtaining user in financial platform to the clicking rate of any financial product, stop
Time and the type for clicking financial product；
Second matched sub-block 35:, will if reaching preset threshold for the clicking rate of financial product and residence time
Label of the type of financial product as user；
Third matched sub-block 36:, will be golden if being not less than two for same type of financial product in browse path
Melt label of the product type as user.
Further, label model 3 includes at least following submodule:
Third acquisition submodule 37: for obtaining assets distribution situation of the user in financial platform, assets distribution situation
Including current assets and each financial product assets；
Second computational submodule 38: for calculating current assets, each financial product assets account for the accounting of total assets respectively；
4th matched sub-block 39: for being based on accounting, according to the default accounting threshold of current assets, each financial product assets
Value matches label for user.
Further, recommending module 4 includes at least following submodule:
4th acquisition submodule 41: for obtaining the different types of number of labels of user and total number of labels；
Third computational submodule 42: for calculating the accounting of all types of number of labels；
5th matched sub-block 43: for matching the financial product of respective type and quantity according to tag types and ratio；
Generate submodule 44: for generating financial product list；
Recommend submodule 45: for financial product list to be pushed to user.
It should be understood that a kind of system for customizing push financial product provided by the above embodiment is in triggering push gold
When melting product business, only the example of the division of the above functional modules, in practical application, it can according to need and incite somebody to action
Above-mentioned function distribution is completed by different functional modules, i.e., the internal structure of system is divided into different functional modules, with complete
At all or part of function described above.
In addition, a kind of system for customizing push financial product provided by the above embodiment and customization push financial product
The embodiment of method belong to same design, i.e., the system is based on this method, and specific implementation process is detailed in method implementation
Example, which is not described herein again.
Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware
It completes, relevant hardware can also be instructed to complete by program, the program can store in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and
Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of method for customizing push financial product, which is characterized in that the method includes at least following steps:
Classify to the financial product in financial platform by risk, income and periods dimension, obtains financial product classification results；
Obtain the user information of the financial platform user；
It based on the user information, is labelled by disaggregated model trained in advance to the user, obtains user's mark result；
According to user's mark as a result, passing through the financial product recommended models constructed in advance, Xiang Suoshu user recommends corresponding produce
Product；
Wherein, the user information includes at least:
The user logs in the electronic equipment used when financial product platform, the installation and service condition of application program；And institute
Operation behavior of the user in the financial platform is stated, the operation behavior includes clicking rate and residence time；And the user
Assets distribution situation in the financial platform.
2. a kind of method for customizing push financial product according to claim 1, which is characterized in that described based on described
User information labels to the user by disaggregated model trained in advance, specifically includes following sub-step:
Obtain the application program total quantity installed and used in consumer electronic devices, financial class number of applications, shopping
Class number of applications and amusement and leisure class number of applications；
Calculate separately financial class number of applications, shopping class number of applications and amusement and leisure class number of applications
Accounting in application program total quantity；
Based on the accounting, according to the financial class application program, shopping class application program and amusement and leisure class application journey
The default accounting threshold value of sequence installation and usage quantity matches label for user.
3. a kind of method for customizing push financial product according to claim 1, which is characterized in that described based on described
User information labels to the user by disaggregated model trained in advance, specifically includes following sub-step:
User is obtained in financial platform to the clicking rate of any financial product, residence time and the type for clicking financial product；
If the clicking rate of the financial product and residence time reach preset threshold, using the type of the financial product as
The label of the user；
If same type of financial product is not less than two in browse path, using the financial product type as the user
Label.
4. a kind of method for customizing push financial product according to claim 1, which is characterized in that described based on described
User information labels to the user by disaggregated model trained in advance, specifically includes following sub-step:
Obtain assets distribution situation of the user in the financial platform, the assets distribution situation include current assets and
Each financial product assets；
Calculate the current assets, each financial product assets account for the accounting of total assets respectively；
Based on the accounting, according to current assets, the default accounting threshold value of each financial product assets, label is matched for user.
5. a kind of method for customizing push financial product according to any one of claims 1 to 4, which is characterized in that institute
It states according to labelling as a result, passing through the financial product recommended models constructed in advance, Xiang Suoshu user recommends corresponding product, specific to wrap
Include following sub-step:
Obtain different types of number of labels and total number of labels in the mark result；
Calculate the accounting of all types of number of labels；
According to default fractional threshold, the quantity of the financial product type and each type financial product is matched；
Financial product list is generated, and the financial product list is pushed into user.
6. a kind of system for customizing push financial product, which is characterized in that the system includes at least:
Financial product categorization module: for classifying to the financial product in financial platform by risk, income and periods dimension,
Obtain financial product classification results；
User profile acquisition module: for obtaining the user information of the financial platform user；
Label model: it for being based on the user information, is labelled by disaggregated model trained in advance to the user；
Recommending module: for according to user's mark as a result, by the financial product recommended models that construct in advance, to the use
Recommend corresponding product in family；
Wherein, wherein the user information includes at least:
The user logs in the electronic equipment used when financial product platform, the installation and service condition of application program；And institute
Operation behavior of the user in the financial platform is stated, the operation behavior includes clicking rate and residence time；And the user
Assets distribution situation in the financial platform.
7. a kind of system for customizing push financial product according to claim 6, which is characterized in that the label model
Including at least following submodule:
First acquisition submodule: for obtaining the application program total quantity installed and used in consumer electronic devices, financial class is answered
With program quantity, shopping class number of applications and amusement and leisure class number of applications；
First computational submodule: for calculating separately financial class number of applications, shopping class number of applications and joy
Accounting of the happy leisure number of applications in application program total quantity；
First matched sub-block: for being based on the accounting, according to the financial class application program, shopping class application program
And amusement and leisure class application program is installed and the default accounting threshold value of usage quantity, matches label for user.
8. a kind of system for customizing push financial product according to claim 6, which is characterized in that the label model
Including at least following submodule:
Second acquisition submodule: for obtain user in financial platform to the clicking rate of any financial product, the residence time and
Click the type of financial product；
Second matched sub-block: if reaching preset threshold for the clicking rate of the financial product and residence time, by institute
State label of the type of financial product as the user；
Third matched sub-block: if being not less than two for same type of financial product in browse path, by the finance
Label of the product type as the user.
9. a kind of system for customizing push financial product according to claim 6, which is characterized in that the label model
Including at least following submodule:
Third acquisition submodule: for obtaining assets distribution situation of the user in the financial platform, the assets point
Cloth situation includes current assets and each financial product assets；
Second computational submodule: for calculating the current assets, each financial product assets account for the accounting of total assets respectively；
4th matched sub-block: for being based on the accounting, according to the default accounting threshold of current assets, each financial product assets
Value matches label for user.
10. according to a kind of described in any item systems for customizing push financial product of claim 6 to 9, which is characterized in that institute
Recommending module is stated including at least following submodule:
4th acquisition submodule: for obtaining different types of number of labels and total number of labels in the mark result；
Third computational submodule: for calculating the accounting of all types of number of labels；
5th matched sub-block: for matching financial product type and each type financial product according to fractional threshold is preset
Quantity；
Generate submodule: for generating financial product list；
Recommend submodule: for the financial product list to be pushed to user.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910433574.0A CN110287408A (en) | 2019-05-23 | 2019-05-23 | A kind of method and system customizing push financial product |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910433574.0A CN110287408A (en) | 2019-05-23 | 2019-05-23 | A kind of method and system customizing push financial product |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110287408A true CN110287408A (en) | 2019-09-27 |
Family
ID=68002435
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910433574.0A Pending CN110287408A (en) | 2019-05-23 | 2019-05-23 | A kind of method and system customizing push financial product |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110287408A (en) |
Cited By (20)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111179051A (en) * | 2019-12-16 | 2020-05-19 | 北京淇瑀信息科技有限公司 | Financial target customer determination method and device and electronic equipment |
| CN111414548A (en) * | 2020-05-09 | 2020-07-14 | 中国工商银行股份有限公司 | Object recommendation method and device, electronic equipment and medium |
| CN111489158A (en) * | 2020-03-30 | 2020-08-04 | 上海交通大学 | Block chain based online strength notarization method, system, equipment and storage medium |
| CN111626808A (en) * | 2020-02-26 | 2020-09-04 | 京东数字科技控股有限公司 | Data processing method and apparatus, storage medium, and electronic apparatus |
| CN112037034A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Financial product recommendation method and device, storage medium and electronic equipment |
| CN112347343A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Customized information pushing method and device and electronic equipment |
| CN113010798A (en) * | 2021-04-23 | 2021-06-22 | 中国工商银行股份有限公司 | Information recommendation method, information recommendation device, electronic equipment and readable storage medium |
| CN113204603A (en) * | 2021-05-21 | 2021-08-03 | 中国光大银行股份有限公司 | Method and device for marking categories of financial data assets |
| CN113313597A (en) * | 2020-02-26 | 2021-08-27 | 京东数字科技控股股份有限公司 | Product combination recommendation method, device and system, storage medium and electronic device |
| CN113487380A (en) * | 2021-06-25 | 2021-10-08 | 天元大数据信用管理有限公司 | Financial product recommendation method, device, equipment and medium |
| CN113538141A (en) * | 2021-07-14 | 2021-10-22 | 中数通信息有限公司 | Product recommendation method based on customer information |
| CN113554463A (en) * | 2021-07-21 | 2021-10-26 | 中国农业银行股份有限公司南海分行 | Capital flow direction analysis method and system |
| CN113628748A (en) * | 2021-08-16 | 2021-11-09 | 未鲲(上海)科技服务有限公司 | Method, device and equipment for evaluating risk bearing tendency of user and storage medium |
| CN113706309A (en) * | 2021-08-30 | 2021-11-26 | 山东理工大学 | Investment risk assessment method and system based on artificial intelligence |
| CN114708042A (en) * | 2022-05-18 | 2022-07-05 | 北京正汇才科技有限公司 | Financial product scene staging service promotion system and method |
| CN114742594A (en) * | 2022-04-25 | 2022-07-12 | 北京中捷互联信息技术有限公司 | Financial promotion investment data processing and evaluation device and method |
| CN114782150A (en) * | 2022-06-21 | 2022-07-22 | 北京梦幻天下科技有限公司 | Financial product recommendation method and system based on financial product directional screening |
| CN115221417A (en) * | 2022-08-29 | 2022-10-21 | 中国建设银行股份有限公司 | Financial product information pushing method and device, server and storage medium |
| CN115619436A (en) * | 2022-11-14 | 2023-01-17 | 平安银行股份有限公司 | Financial product recommendation method and device, computer equipment and storage medium |
| CN117216803A (en) * | 2023-11-09 | 2023-12-12 | 成都乐超人科技有限公司 | Intelligent finance-oriented user information protection method and system |
Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20070006074A (en) * | 2005-07-07 | 2007-01-11 | 에스케이 텔레콤주식회사 | System and method for serving a matching infromation between customer and goods |
| CN105787053A (en) * | 2016-02-26 | 2016-07-20 | 维沃移动通信有限公司 | Application pushing method and terminal |
| CN106056407A (en) * | 2016-06-03 | 2016-10-26 | 北京网智天元科技股份有限公司 | Online banking user portrait drawing method and equipment based on user behavior analysis |
| CN106326242A (en) * | 2015-06-19 | 2017-01-11 | 赤子城网络技术（北京）有限公司 | Application pushing method and apparatus |
| CN107888703A (en) * | 2017-11-29 | 2018-04-06 | 广东欧珀移动通信有限公司 | Information-pushing method, device, server and readable storage medium storing program for executing |
| CN108242016A (en) * | 2018-01-25 | 2018-07-03 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus of Products Show |
| CN108665355A (en) * | 2018-05-18 | 2018-10-16 | 深圳壹账通智能科技有限公司 | Financial product recommends method, apparatus, equipment and computer storage media |
| CN109325845A (en) * | 2018-08-15 | 2019-02-12 | 深圳市和讯华谷信息技术有限公司 | A kind of financial product intelligent recommendation method and system |
| CN109472646A (en) * | 2018-11-16 | 2019-03-15 | 广发证券股份有限公司 | A kind of financial product recommended method and device |
| CN109636497A (en) * | 2018-10-26 | 2019-04-16 | 平安科技（深圳）有限公司 | A kind of Products Show method and apparatus |
-
2019
- 2019-05-23 CN CN201910433574.0A patent/CN110287408A/en active Pending
Patent Citations (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20070006074A (en) * | 2005-07-07 | 2007-01-11 | 에스케이 텔레콤주식회사 | System and method for serving a matching infromation between customer and goods |
| CN106326242A (en) * | 2015-06-19 | 2017-01-11 | 赤子城网络技术（北京）有限公司 | Application pushing method and apparatus |
| CN105787053A (en) * | 2016-02-26 | 2016-07-20 | 维沃移动通信有限公司 | Application pushing method and terminal |
| CN106056407A (en) * | 2016-06-03 | 2016-10-26 | 北京网智天元科技股份有限公司 | Online banking user portrait drawing method and equipment based on user behavior analysis |
| CN107888703A (en) * | 2017-11-29 | 2018-04-06 | 广东欧珀移动通信有限公司 | Information-pushing method, device, server and readable storage medium storing program for executing |
| CN108242016A (en) * | 2018-01-25 | 2018-07-03 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus of Products Show |
| CN108665355A (en) * | 2018-05-18 | 2018-10-16 | 深圳壹账通智能科技有限公司 | Financial product recommends method, apparatus, equipment and computer storage media |
| CN109325845A (en) * | 2018-08-15 | 2019-02-12 | 深圳市和讯华谷信息技术有限公司 | A kind of financial product intelligent recommendation method and system |
| CN109636497A (en) * | 2018-10-26 | 2019-04-16 | 平安科技（深圳）有限公司 | A kind of Products Show method and apparatus |
| CN109472646A (en) * | 2018-11-16 | 2019-03-15 | 广发证券股份有限公司 | A kind of financial product recommended method and device |
Cited By (26)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111179051A (en) * | 2019-12-16 | 2020-05-19 | 北京淇瑀信息科技有限公司 | Financial target customer determination method and device and electronic equipment |
| CN113313597A (en) * | 2020-02-26 | 2021-08-27 | 京东数字科技控股股份有限公司 | Product combination recommendation method, device and system, storage medium and electronic device |
| CN111626808A (en) * | 2020-02-26 | 2020-09-04 | 京东数字科技控股有限公司 | Data processing method and apparatus, storage medium, and electronic apparatus |
| CN113313597B (en) * | 2020-02-26 | 2023-09-26 | 京东科技控股股份有限公司 | Product combination recommendation method, device and system, storage medium and electronic device |
| CN111489158A (en) * | 2020-03-30 | 2020-08-04 | 上海交通大学 | Block chain based online strength notarization method, system, equipment and storage medium |
| CN111414548B (en) * | 2020-05-09 | 2023-08-01 | 中国工商银行股份有限公司 | Object recommendation method, device, electronic equipment and medium |
| CN111414548A (en) * | 2020-05-09 | 2020-07-14 | 中国工商银行股份有限公司 | Object recommendation method and device, electronic equipment and medium |
| CN112037034A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Financial product recommendation method and device, storage medium and electronic equipment |
| CN112347343B (en) * | 2020-09-25 | 2024-05-28 | 北京淇瑀信息科技有限公司 | Custom information pushing method and device and electronic equipment |
| CN112347343A (en) * | 2020-09-25 | 2021-02-09 | 北京淇瑀信息科技有限公司 | Customized information pushing method and device and electronic equipment |
| CN113010798A (en) * | 2021-04-23 | 2021-06-22 | 中国工商银行股份有限公司 | Information recommendation method, information recommendation device, electronic equipment and readable storage medium |
| CN113204603A (en) * | 2021-05-21 | 2021-08-03 | 中国光大银行股份有限公司 | Method and device for marking categories of financial data assets |
| CN113204603B (en) * | 2021-05-21 | 2024-02-02 | 中国光大银行股份有限公司 | Category labeling method and device for financial data assets |
| CN113487380A (en) * | 2021-06-25 | 2021-10-08 | 天元大数据信用管理有限公司 | Financial product recommendation method, device, equipment and medium |
| CN113538141A (en) * | 2021-07-14 | 2021-10-22 | 中数通信息有限公司 | Product recommendation method based on customer information |
| CN113554463A (en) * | 2021-07-21 | 2021-10-26 | 中国农业银行股份有限公司南海分行 | Capital flow direction analysis method and system |
| CN113628748A (en) * | 2021-08-16 | 2021-11-09 | 未鲲(上海)科技服务有限公司 | Method, device and equipment for evaluating risk bearing tendency of user and storage medium |
| CN113706309A (en) * | 2021-08-30 | 2021-11-26 | 山东理工大学 | Investment risk assessment method and system based on artificial intelligence |
| CN114742594A (en) * | 2022-04-25 | 2022-07-12 | 北京中捷互联信息技术有限公司 | Financial promotion investment data processing and evaluation device and method |
| CN114708042A (en) * | 2022-05-18 | 2022-07-05 | 北京正汇才科技有限公司 | Financial product scene staging service promotion system and method |
| CN114782150B (en) * | 2022-06-21 | 2022-09-13 | 北京梦幻天下科技有限公司 | Financial product recommendation method and system based on financial product directional screening |
| CN114782150A (en) * | 2022-06-21 | 2022-07-22 | 北京梦幻天下科技有限公司 | Financial product recommendation method and system based on financial product directional screening |
| CN115221417A (en) * | 2022-08-29 | 2022-10-21 | 中国建设银行股份有限公司 | Financial product information pushing method and device, server and storage medium |
| CN115619436A (en) * | 2022-11-14 | 2023-01-17 | 平安银行股份有限公司 | Financial product recommendation method and device, computer equipment and storage medium |
| CN117216803A (en) * | 2023-11-09 | 2023-12-12 | 成都乐超人科技有限公司 | Intelligent finance-oriented user information protection method and system |
| CN117216803B (en) * | 2023-11-09 | 2024-02-09 | 成都乐超人科技有限公司 | Intelligent finance-oriented user information protection method and system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110287408A (en) | A kind of method and system customizing push financial product | |
| US11416896B2 (en) | Customer journey management engine | |
| Neslin et al. | Defection detection: Measuring and understanding the predictive accuracy of customer churn models | |
| CN109034209B (en) | Training method and device for active risk real-time recognition model | |
| US20090112648A1 (en) | Online sales and marketing integration | |
| CN1545674A (en) | Business process policy object | |
| CN108777701A (en) | A kind of method and device of determining receiver | |
| CN111145009A (en) | Method and device for evaluating risk after user loan and electronic equipment | |
| CN108230140A (en) | The method and apparatus of pushed information, the method and apparatus for determining input default value | |
| Zheng et al. | Optimal extended warranty strategy: uniform or nonuniform pricing? | |
| Ahn et al. | Managing risk in a new telecommunications service development process through a scenario planning approach | |
| US20210150604A1 (en) | Systems and methods for customization of reviews | |
| CN110543565A (en) | Auditing method, system and readable storage medium based on convolutional neural network model | |
| CN109102331A (en) | Goods information processing method, server, system, electronic equipment and storage medium | |
| CN116128562A (en) | Crowd transformation prediction method and device, electronic equipment and storage medium | |
| Zhao et al. | Top management service commitment and new product development in manufacturing firms: the moderating role of dysfunctional competition | |
| CN113298555B (en) | Promotion strategy generation method and device and electronic equipment | |
| Khaleelullah et al. | A Framework for Design and Development of Message sharing using Open-Source Software | |
| CN113159828A (en) | Promotion scheme recommendation method and device and computer readable storage medium | |
| Deepak et al. | Configurable and Extensible Multi-flows for Providing Analytics as a Service on the Cloud | |
| Droftina et al. | A diffusion model for churn prediction based on sociometric theory | |
| CN118247021B (en) | Commodity recommendation method and system based on user portrait | |
| Adeniji | Business to consumers (B2C): the effect of machine learning application in telecom customer churn management | |
| Chen et al. | Skewness-aware Boosting Regression Trees for Customer Contribution Prediction in Financial Precision Marketing | |
| Davis et al. | Graph Autoencoder-Based Detection of Unseen False Data Injection Attacks in Smart Grids |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190927 |