CN111784388A - Financial product recommendation method and device - Google Patents

Financial product recommendation method and device Download PDF

Info

Publication number
CN111784388A
CN111784388A CN202010596110.4A CN202010596110A CN111784388A CN 111784388 A CN111784388 A CN 111784388A CN 202010596110 A CN202010596110 A CN 202010596110A CN 111784388 A CN111784388 A CN 111784388A
Authority
CN
China
Prior art keywords
account
target
party
accounts
transaction
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.)
Granted
Application number
CN202010596110.4A
Other languages
Chinese (zh)
Other versions
CN111784388B (en
Inventor
叶伟
滕慧举
都阳
钟亚洲
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Industrial and Commercial Bank of China Ltd ICBC
Original Assignee
Industrial and Commercial Bank of China Ltd ICBC
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Industrial and Commercial Bank of China Ltd ICBC filed Critical Industrial and Commercial Bank of China Ltd ICBC
Priority to CN202010596110.4A priority Critical patent/CN111784388B/en
Publication of CN111784388A publication Critical patent/CN111784388A/en
Application granted granted Critical
Publication of CN111784388B publication Critical patent/CN111784388B/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Classifications

    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0255—Targeted advertisements based on user history
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0261—Targeted advertisements based on user location
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute
    • G06Q30/0271—Personalized advertisement
    • 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
    • G06Q40/06—Asset management; Financial planning or analysis

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method and a device for recommending financial products, wherein the method comprises the following steps: acquiring a plurality of preset target accounts, wherein the target accounts comprise: i move fund loss account, other move net inflow account and other move net outflow account; determining a transaction counter-party account corresponding to each target account by adopting a fund flow direction probing method, and determining the business transaction classification of the target account and the corresponding transaction counter-party account; and recommending financial products for the attribution client of the transaction counter-party account according to the business transaction classification. The financial product recommendation method can accurately determine the financial product recommendation client and realize accurate recommendation of financial products.

Description

Financial product recommendation method and device
Technical Field
The invention relates to the technical field of intelligent marketing, in particular to a financial product recommendation method and device.
Background
In the banking field, how to recommend suitable financial products for customers is a key issue in the field. In the prior art, when financial product recommendation is performed, other bank account information cannot be applied, for example, the bank account of customer a transfers a large amount of funds to the bank account of customer B, that is, funds flow to the bank account of customer B, so that it is a good recommendation strategy to recommend financial products to customer B to which the funds flow. Therefore, how to utilize the association between the good bank account and the other bank account to recommend financial products reasonably is a problem which needs to be solved in the prior art.
Disclosure of Invention
The invention provides a financial product recommendation method and device for solving the technical problems in the background technology.
In order to achieve the above object, according to one aspect of the present invention, there is provided a financial product recommendation method including:
acquiring a plurality of preset target accounts, wherein the target accounts comprise: i move fund loss account, other move net inflow account and other move net outflow account;
determining a transaction counter-party account corresponding to each target account by adopting a fund flow direction probing method, and determining the business transaction classification of the target account and the corresponding transaction counter-party account;
and recommending financial products for the attribution client of the transaction counter-party account according to the business transaction classification.
Optionally, the method for recommending financial products further includes:
acquiring customer information of a home customer of the transaction counter-party account;
and recommending financial products for the attribution client of the transaction counter-party account according to the client information.
Optionally, the method for recommending financial products further includes:
obtaining an account type of the transaction-partner account;
and recommending financial products for the home client of the transaction-side account according to the account type.
Optionally, the method for recommending financial products further includes:
obtaining a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts;
the method for determining the transaction counter-party account of the target account by adopting the fund flow exploration method comprises the following steps:
and determining a transaction counter-party account of the target account by adopting a fund flow detection method according to the fund flow diagram.
In order to achieve the above object, according to another aspect of the present invention, there is provided a financial product recommending apparatus including:
the system comprises a target account acquisition unit, a target account acquisition unit and a target account management unit, wherein the target account acquisition unit is used for acquiring a plurality of preset target accounts, and the target accounts comprise: i move fund loss account, other move net inflow account and other move net outflow account;
the upstream and downstream account searching unit is used for determining a transaction counter-party account corresponding to each target account by adopting a fund flow direction probing method and determining the business transaction classification of the target account and the corresponding transaction counter-party account;
and the financial product recommending unit is used for recommending financial products for the attributive customers of the transaction counter-party accounts according to the business transaction classification.
Optionally, the financial product recommendation device further includes:
a customer information acquisition unit for acquiring customer information of a home customer of the counterparty account;
the financial product recommending unit is further used for recommending financial products for the affiliation customers of the counterparty accounts according to the customer information.
Optionally, the financial product recommendation device further includes:
the account type acquisition unit is used for acquiring the account type of the transaction counter-party account;
the financial product recommending unit is further used for recommending financial products for the attribution customers of the transaction counter-party accounts according to the account types.
Optionally, the financial product recommendation device further includes:
the fund flow graph acquiring unit is used for acquiring a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts;
the upstream and downstream account searching unit is specifically configured to determine a transaction-partner account of the target account by using a fund flow direction probing method according to the fund flow diagram.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps in the above financial product recommendation method when executing the computer program.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above-described financial product recommendation method.
The invention has the beneficial effects that: according to the invention, through researching the incidence relation between the bank account and the bank account, the bank account and the bank account which have great significance for the financial product recommendation are determined, namely the bank fund leakage account, the bank net inflow account and the bank net outflow account of the bank are determined, further a fund flow direction exploration method is adopted to determine a transaction counter-party account (the bank account or the bank account of the bank) based on the accounts to serve as a financial product recommendation client, further the financial product recommendation is carried out according to the business transaction classification of specific transactions, the financial product recommendation client is accurately determined, and the beneficial effect of accurate recommendation of financial products is realized.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts. In the drawings:
FIG. 1 is a first flowchart of a method for recommending financial products in accordance with an embodiment of the present invention;
FIG. 2 is a second flowchart of a method for recommending financial products in accordance with an embodiment of the present invention;
FIG. 3 is a third flowchart of a method for recommending financial products in accordance with an embodiment of the present invention;
FIG. 4 is a block diagram of a financial product recommendation apparatus according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a computer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
It should be noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and the above-described drawings, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the financial product in the present invention may be an investment financing product of a bank, and may also be a financial service of the bank, such as a payroll or other management service.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the embodiments with reference to the attached drawings.
Fig. 1 is a first flowchart of a method for recommending a financial product according to an embodiment of the present invention, and as shown in fig. 1, the method for recommending a financial product according to the embodiment includes steps S101 to S103.
Step S101, obtaining a plurality of preset target accounts, wherein the target accounts comprise: i's bank lost accounts, his bank net inflow accounts, and his bank net outflow accounts.
In the embodiment of the invention, the fund loss account of the bank is as follows: the funds flow largely to my bank account of his bank account; his bank net inflow account is: a large number of other bank accounts which accept my bank outgoing funds; the net outflow accounts of his bank are: funds flow largely into his bank account of my bank account.
In an optional embodiment of the present invention, the present invention first determines all the my bank lost funds accounts, the other bank net inflow accounts, and the other bank net outflow accounts that satisfy the rules according to the preset threshold calculation rules. And then screening accounts, wherein the step of removing invalid accounts comprises the following steps: bank, fund, securities, settlement, special account, payment, waiting for declaration, internal account, settlement, transfer account, transition account, product, financing, repayment, same-industry system, account name not found, fund prepared, asset management plan account, etc. And finally obtaining the plurality of target accounts in the step.
Step S102, determining the transaction counter-party account corresponding to each target account by adopting a fund flow exploration method, and determining the business transaction classification of the target account and the corresponding transaction counter-party account.
In the embodiment of the invention, the step determines the fund flow direction of each target account by using a fund flow direction probing method on the basis of each target account, namely determining the counter-trade account of each target account. In the embodiment of the present invention, each transaction initiated or received by the target account corresponds to one transaction-partner account, so each target account may correspond to a plurality of transaction-partner accounts. In an optional embodiment of the invention, the invention also screens the transactions through a preset threshold value, eliminates the small transactions, and only determines the counter-transaction accounts corresponding to the transactions meeting the preset threshold value.
In alternative embodiments of the invention, the counterparty account may be a personal account, a public account, an overseas account, or a corporate account.
In the embodiment of the invention, when the transaction counter-party account corresponding to the target account is determined, the specific business transaction classification of the transaction performed by the target account and the transaction counter-party account is also determined. In the embodiment of the invention, when one target account corresponds to a plurality of transaction counter-party accounts meeting the preset conditions, the business transaction classification of the transaction with each transaction counter-party account is respectively determined; when more than one transaction is carried out with a certain counter-transaction account, the business transaction classification of each transaction is determined at the same time.
In an optional embodiment of the present invention, the classification of the business transaction may comprise: 1. central financial payment for pay, 2 local financial payment for pay, 3 central financial payment for fiscal tax, 4 local financial payment for fiscal tax, 5 central financial payment, 6 local financial payment, 7, a special-financial custodian, 8, a special-bank, 9, a special-pay bank, 10, a fund, 11, a banking transaction, 12, a structural deposit, 13, an endowment financing, 14, a legal financing, 15, a legal loan receipt, 16, a personal loan release, 17, a loan interest, 18, a deposit interest, 19, a settlement remittance, 20, a fiscal tax, 21, a banking agreement slip, 22, a deposit, 23, a periodic deposit, 24, various payment charges, 25, payment of payoff wages, 26, intermediate transactions, 27, 28, a cash withdrawal, 29, a banking transaction, 30, a banking transaction, 31. investment financing-derivatives, 32 investment financing-transactions, 33 investment financing-others, 34 financial payments, 35 foreign exchange and cross-border, 36 POS transactions, 37 online payments, 38 cross-bank remittance, 39 transfer settlement, 40 batch and proxy services, etc.
And step S103, recommending financial products for the attributive customers of the counterparty accounts according to the business transaction classification.
In an optional embodiment of the present invention, the present invention sets a corresponding relationship between the target business transaction classification and the financial product in advance, for example, the target business transaction classification is legal financing, and the corresponding financial product is a legal financing financial product. The method comprises the steps of firstly judging whether the business transaction classification of the transaction between the target account and the corresponding counterparty account is the target business transaction classification, if so, directly determining the corresponding financial product, and then recommending the financial product to the home client of the counterparty account, and if not, skipping.
In the embodiment of the present invention, the recommending a financial product to the home subscriber of the counterparty account may specifically be sending financial product recommendation information to an account of the home bank (i.e. the home bank account) of the home subscriber of the counterparty account.
Therefore, the invention determines the bank account and the bank account which have great significance for the financial product recommendation by researching the incidence relation between the bank account and the bank account, namely the bank fund leakage account, the bank net inflow account and the bank net outflow account of the bank, further determines the counter-trade account (the bank account or the bank account of the bank) by adopting a fund flow direction exploration method based on the accounts to serve as the financial product recommendation client, further carries out the financial product recommendation according to the business transaction classification of specific trade, realizes the accurate determination of the financial product recommendation client, and realizes the beneficial effect of the accurate recommendation of the financial product.
FIG. 2 is a second flowchart of a method for recommending financial products according to an embodiment of the present invention, as shown in FIG. 2, in an alternative embodiment of the present invention, the method for recommending financial products further includes step S201 and step S202.
Step S201, obtaining the customer information of the home-owned customer of the transaction counter-party account.
In an embodiment of the present invention, this step further determines customer information of a home customer of the counterparty account, where the customer information may include: the financial product recommendation method comprises the steps that basic information, types of customers, historical purchasing financing product information, behavior information, correlation information, evaluation information, marketing information, risk information, position information, financial information, equipment information, operation information, preference information, social information and the like of the customers are obtained, and then financial products suitable for the customers are recommended, so that the accounts of the previous banks cannot flow out to other banks in a large amount.
Step S202, recommending financial products for the home client of the transaction counter-party account according to the client information.
In an optional embodiment of the present invention, a feature tag set and a financial product set are preset, each feature tag in the feature tag set corresponds to at least one financial product in the financial product set, and in this step, a feature tag corresponding to a customer is determined according to the customer information, so as to determine a corresponding recommended financial product. For example, the feature tag is a naked lender and the corresponding recommended financial product is a marketing deposit product.
In the embodiment of the present invention, the embodiment shown in fig. 1 and the embodiment shown in fig. 2 may be combined to implement an effect of accurately recommending financial products to customers.
Fig. 3 is a third flowchart of a method for recommending financial products according to an embodiment of the present invention, and as shown in fig. 3, in an alternative embodiment of the present invention, the method for recommending financial products further includes step S301 and step S302.
Step S301, obtaining the account type of the transaction counter-party account;
step S302, recommending financial products for the home client of the transaction counter-party account according to the account type.
In the embodiment of the present invention, the financial products may also be recommended to the customer to which the transaction-side account belongs according to the account type of the transaction-side account, for example, if the account type is an enterprise account, financial products such as payroll delivery may be recommended to the customer.
In the embodiment of the present invention, the embodiment shown in fig. 1, the embodiment shown in fig. 2, and the embodiment shown in fig. 3 may be combined to achieve the effect of accurately recommending financial products to customers.
In an optional embodiment of the present invention, the method for recommending a financial product of the present invention further comprises:
and acquiring a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts.
In an optional embodiment of the invention, each edge of the fund flow chart also records detailed information of the transaction, including time, amount and business transaction classification. Each point of the fund flow transfer graph also records the detailed information of the account, including: account number, line account name, customer number, customer information, subject number, account number type, area number of affiliated organization, network point number of affiliated organization, personal mark of public person, line mark of the line, etc.
In an optional embodiment of the present invention, the determining, by using a fund flow exploration method, a counterparty account of the target account in step S102 specifically includes:
and determining a transaction counter-party account of the target account by adopting a fund flow detection method according to the fund flow diagram.
In an optional embodiment of the present invention, the customer information of the home customer of the transaction-side account in the step S201 and the account type of the transaction-side account in the step S301 may be obtained from the fund flow graph.
In an optional embodiment of the present invention, the recommended financial product corresponding to the feature tag set in step S202 may specifically include:
and when the characteristic label indicates that the transaction period of the client and the bank is in a cooperative lead-in period, recommending and marketing basic class settlement products which are not held by the client.
When the feature tag indicates that the transaction period of the client and the bank is in the cooperative lead-in period and indicates that the client and the bank are listed enterprises, the client manager is advised to increase the attention degree of the enterprises and strengthen the contact with the client.
When the characteristic label indicates that the transaction period of the client and the bank is in the cooperative ascending period and is a listed enterprise, the client manager is advised to increase the attention degree of the enterprise and strengthen the contact with the client.
When the characteristic label is that the transaction period of the client and the bank is in the stable period of cooperation and the characteristic label is that the client and the bank are listed in the enterprise, but the bank has no financing, the client and the bank are recommended to be tried to be marketed and a credit relationship is established.
And when the characteristic label indicates that the communication period of the client and the bank is in the cooperative decline period and no visit record exists, advising the client manager to strengthen daily maintenance.
And when the characteristic label indicates that the communication period of the client and the bank is in the cooperative decline period and the daily average financial assets of the client are more than 50 ten thousand, recommending the client to handle the business to the public financial affairs.
And when the characteristic label indicates that the communication period of the client and the bank is in the cooperative silent period and the business registration state is 'no business', advising a client manager to judge whether the client number needs to be cancelled according to the actual situation.
And when the feature tag indicates that the interaction period of the client and the bank is in the cooperative silent period and the business registration state is 'on business', the client is recommended to be awakened.
When the characteristic label indicates that the client is a large-scale enterprise and no visit record exists in the last month, the client manager is advised to increase the frequency of visiting the client and maintain the relationship.
And when the characteristic label indicates that the client is a large enterprise and is a non-proxy salary client, recommending the client to handle the proxy salary service.
And when the characteristic label is a product of which the client is a large enterprise and does not hold a liquidity product line, recommending the client to handle fund pool products.
When the characteristic label is that the client is a medium-sized enterprise and no visit record exists in nearly one month, the client manager is advised to increase the frequency of visiting the client and maintain the relationship.
And when the characteristic label is that the client is a medium-sized enterprise and is a non-proxy salary client, recommending the client to handle the proxy salary service.
And when the characteristic label is a product of which the client is a medium-sized enterprise and does not hold a liquidity product line, recommending the client to handle fund pool products.
And when the characteristic label indicates that the client is a small enterprise and the merchant is purchased by the financial e, recommending the financial product to the financial network.
When the characteristic label indicates that the client is a small or micro enterprise, financing and high management risk exist in a bank, and the client manager is prompted to pay attention to the enterprise risk.
And when the characteristic label indicates that the customer has no visit record, recommending a customer manager to perform marketing maintenance.
When the characteristic label is that the transaction period of the client and the bank is in the stable period of cooperation and the characteristic label is that the client and the bank are listed in the enterprise, but the bank has no financing, the client and the bank are recommended to be tried to be marketed and a credit relationship is established.
When the characteristic label is that the client is a listed enterprise, recommending and marketing cash management products which are not held by the client is recommended.
When the characteristic label indicates that the client has financing in the bank but is a naked credit client, the recommendation of the marketing deposit product is suggested.
When the feature tag indicates that the customer has financed at the bank but has a bad loan, it is recommended to enhance the loan clearance and take care of the risk of the customer in relation to the customer and the secured customer.
When the feature label indicates that the customer has financing in the bank and has a scissor-like difference, the promotion is recommended.
When the characteristic label shows that the client has financing in the bank and the transaction opponents are centralized, the client manager is advised to pay attention to the operation risk of the client.
And when the characteristic label is that the customer preference channel is a counter and the online bank or the mobile phone bank is not opened, recommending that the customer open the enterprise online bank and the mobile phone bank.
When the characteristic label is that the client is an import and export client, the recommendation of international settlement products and international trade financing products is suggested.
When the feature tag is centralized for the customer trading opponents and most of the trading opponents are off-line customers, the off-line customers with the most expanded trades are suggested.
When the feature tag is relatively fixed for the customer transaction opponent, the customer manager is advised to recommend the collection and payment of the housekeeping card product.
When the characteristic label indicates that the customer has periodicity in bank transactions and is currently in a fund inflow period, the customer manager is advised to recommend deposit products.
When the characteristic label indicates that the client transacts periodically at the bank, the client manager is advised to recommend automatic deposit conversion and investment arrangement products.
When the characteristic label indicates that the customer has periodicity in bank transactions and is currently in a fund flow period, the transaction opponent is a non-homonymous account, and the customer manager is advised to pay attention to whether the customer has financing requirements.
When the characteristic label is a customer transaction without periodicity and is a high-flow low-memory customer, the customer manager is advised to recommend legal financial products.
And when the characteristic label indicates that the customer is a high-flow high-storage customer and does not hold the cash management product, advising a customer manager to recommend the cash management product.
And when the characteristic label indicates that the client is a low-flow low-memory client, advising a client manager to strengthen daily maintenance.
When the characteristic label is a hierarchical marketing customer of which the customer belongs to the head office level, the first-level branch level or the second-level branch level and is a non-effective cash management customer, the customer manager is advised to contact the product manager to carry out home marketing cash management service.
As can be seen from the above embodiments, the financial product recommendation method of the present invention at least achieves the following beneficial effects:
1. the invention solves the problems of large workload, long time effectiveness and inaccurate marketing target list analysis in the prior art. A marketing target client list is rapidly and efficiently extracted through the map exploration platform, financial products are recommended according to certain calculation rules, other clients and cross-bank same-name fund transfer scenes are effectively mined, and the aims of target account listing, business analysis scene and marketing management closed-loop can be achieved. And (3 + 1) organization client marketing management systems are set up, namely, a closed-loop marketing target list, service scene analysis and administrator cockpit "+" fund flow direction exploration are carried out, and further the bank G2B2C is assisted in service linkage development and fund closed-loop management work. Powerful decision support is provided for foreground marketing and middle-background management, so that client marketing can be performed quickly and efficiently. The method is beneficial to increasing the contribution of the customers and improving the profits of the customer blocks.
2. The invention can comprehensively improve the overall efficiency of customer marketing management, adopts the concept of listing marketing and chain marketing to carry out marketing management, adopts artificial intelligence and big data means to intelligently generate a user list with marketing information, supports direct issuing of a first-level line, basically and actively accepts marketing, simultaneously automatically identifies the marketing account opening condition by the system, comprehensively replaces the original business mode of issuing, feedback and audit step by step, increases the marketing management flexibility, thereby greatly improving the overall efficiency of customer marketing management.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowcharts, in some cases, the steps illustrated or described may be performed in an order different than presented herein.
Based on the same inventive concept, the embodiment of the present invention further provides a financial product recommendation device, which can be used to implement the financial product recommendation method described in the above embodiment, as described in the following embodiments. Because the principle of solving the problem of the financial product recommendation device is similar to that of the financial product recommendation method, the embodiment of the financial product recommendation device can be referred to in the embodiment of the financial product recommendation method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Fig. 4 is a first block diagram of a financial product recommendation apparatus according to an embodiment of the present invention, and as shown in fig. 4, the financial product recommendation apparatus according to the embodiment of the present invention includes: a target account acquisition unit 1, an upstream and downstream account lookup unit 2, and a financial product recommendation unit 3.
The target account acquiring unit 1 is configured to acquire a plurality of preset target accounts, where the target accounts include: i's bank lost accounts, his bank net inflow accounts, and his bank net outflow accounts.
And the upstream and downstream account searching unit 2 is configured to determine a transaction counter-party account corresponding to each target account by using a fund flow direction probing method, and determine a business transaction classification between the target account and the corresponding transaction counter-party account.
And the financial product recommending unit 3 is used for recommending financial products for the attributive customers of the transaction counter-party accounts according to the business transaction classification.
In an embodiment of the present invention, the financial product recommendation apparatus further includes:
a customer information acquisition unit for acquiring customer information of a home customer of the counterparty account;
the financial product recommending unit is further used for recommending financial products for the affiliation customers of the counterparty accounts according to the customer information.
In an embodiment of the present invention, the financial product recommendation apparatus further includes:
the account type acquisition unit is used for acquiring the account type of the transaction counter-party account;
the financial product recommending unit is further used for recommending financial products for the attribution customers of the transaction counter-party accounts according to the account types.
In an embodiment of the present invention, the financial product recommendation apparatus further includes:
the fund flow graph acquiring unit is used for acquiring a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts;
in an embodiment of the present invention, the upstream and downstream account lookup unit 2 is specifically configured to determine, according to the fund flow graph, a counterparty account of the target account by using a fund flow exploration method.
To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 5, the computer device comprises a memory, a processor, a communication interface and a communication bus, wherein a computer program that can be run on the processor is stored in the memory, and the steps of the method of the above embodiment are realized when the processor executes the computer program.
The processor may be a Central Processing Unit (CPU). The Processor may also be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components, or a combination thereof.
The memory, which is a non-transitory computer readable storage medium, may be used to store non-transitory software programs, non-transitory computer executable programs, and units, such as the corresponding program units in the above-described method embodiments of the present invention. The processor executes various functional applications of the processor and the processing of the work data by executing the non-transitory software programs, instructions and modules stored in the memory, that is, the method in the above method embodiment is realized.
The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created by the processor, and the like. Further, the memory may include high speed random access memory, and may also include non-transitory memory, such as at least one disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory optionally includes memory located remotely from the processor, and such remote memory may be coupled to the processor via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The one or more units are stored in the memory and when executed by the processor perform the method of the above embodiments.
The specific details of the computer device may be understood by referring to the corresponding related descriptions and effects in the above embodiments, and are not described herein again.
In order to achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above-described financial product recommendation method. It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. The storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a Flash Memory (Flash Memory), a Hard Disk (Hard Disk Drive, abbreviated as HDD) or a Solid State Drive (SSD), etc.; the storage medium may also comprise a combination of memories of the kind described above.
It will be apparent to those skilled in the art that the modules or steps of the present invention described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and they may alternatively be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, or fabricated separately as individual integrated circuit modules, or fabricated as a single integrated circuit module from multiple modules or steps. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (10)

1. A method for recommending financial products, comprising:
acquiring a plurality of preset target accounts, wherein the target accounts comprise: i move fund loss account, other move net inflow account and other move net outflow account;
determining a transaction counter-party account corresponding to each target account by adopting a fund flow direction probing method, and determining the business transaction classification of the target account and the corresponding transaction counter-party account;
and recommending financial products for the attribution client of the transaction counter-party account according to the business transaction classification.
2. The financial product recommendation method of claim 1, further comprising:
acquiring customer information of a home customer of the transaction counter-party account;
and recommending financial products for the attribution client of the transaction counter-party account according to the client information.
3. The financial product recommendation method according to claim 1 or 2, further comprising:
obtaining an account type of the transaction-partner account;
and recommending financial products for the home client of the transaction-side account according to the account type.
4. The financial product recommendation method of claim 1, further comprising:
obtaining a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts;
the method for determining the transaction counter-party account of the target account by adopting the fund flow exploration method comprises the following steps:
and determining a transaction counter-party account of the target account by adopting a fund flow detection method according to the fund flow diagram.
5. A financial product recommendation device, comprising:
the system comprises a target account acquisition unit, a target account acquisition unit and a target account management unit, wherein the target account acquisition unit is used for acquiring a plurality of preset target accounts, and the target accounts comprise: i move fund loss account, other move net inflow account and other move net outflow account;
the upstream and downstream account searching unit is used for determining a transaction counter-party account corresponding to each target account by adopting a fund flow direction probing method and determining the business transaction classification of the target account and the corresponding transaction counter-party account;
and the financial product recommending unit is used for recommending financial products for the attributive customers of the transaction counter-party accounts according to the business transaction classification.
6. The financial product recommendation device of claim 5, further comprising:
a customer information acquisition unit for acquiring customer information of a home customer of the counterparty account;
the financial product recommending unit is further used for recommending financial products for the affiliation customers of the counterparty accounts according to the customer information.
7. The financial product recommendation device of claim 5 or 6, further comprising:
the account type acquisition unit is used for acquiring the account type of the transaction counter-party account;
the financial product recommending unit is further used for recommending financial products for the attribution customers of the transaction counter-party accounts according to the account types.
8. The financial product recommendation device of claim 5, further comprising:
the fund flow graph acquiring unit is used for acquiring a fund flow graph corresponding to each target account, wherein the fund flow graph comprises a plurality of points and edges, the points are used for representing the transaction counter-party accounts corresponding to the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction counter-party accounts;
the upstream and downstream account searching unit is specifically configured to determine a transaction-partner account of the target account by using a fund flow direction probing method according to the fund flow diagram.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, in which a computer program is stored which, when executed in a computer processor, implements the method of any one of claims 1 to 4.
CN202010596110.4A 2020-06-28 2020-06-28 Financial product recommendation method and device Active CN111784388B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202010596110.4A CN111784388B (en) 2020-06-28 2020-06-28 Financial product recommendation method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202010596110.4A CN111784388B (en) 2020-06-28 2020-06-28 Financial product recommendation method and device

Publications (2)

Publication Number Publication Date
CN111784388A true CN111784388A (en) 2020-10-16
CN111784388B CN111784388B (en) 2024-02-06

Family

ID=72760798

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202010596110.4A Active CN111784388B (en) 2020-06-28 2020-06-28 Financial product recommendation method and device

Country Status (1)

Country Link
CN (1) CN111784388B (en)

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112785280A (en) * 2021-02-05 2021-05-11 福建省农村信用社联合社 Device for pushing certain deposit product based on secondary legal person mode
CN113344577A (en) * 2021-06-03 2021-09-03 中国工商银行股份有限公司 Target account determination method and device, electronic equipment and storage medium
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
CN113706286A (en) * 2021-07-23 2021-11-26 湖南三湘银行股份有限公司 Deposit operation system and method for user-defined deposit mode
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

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040002910A1 (en) * 2002-07-01 2004-01-01 Shinichi Mizukami Financial asset management system
US20170046729A1 (en) * 2014-01-24 2017-02-16 Locallyselected.Com, Llc Internet-based affiliate-referral driven consumer-transaction rewarding system network and methods supported by the same
CN108694656A (en) * 2018-07-12 2018-10-23 太仓煜和网络科技有限公司 A kind of financing platform based on artificial intelligence
KR20190082153A (en) * 2017-12-29 2019-07-09 주식회사 레이니스트 Apparatus and method for recommending financial product
CN110941761A (en) * 2019-11-28 2020-03-31 中国银行股份有限公司 Product information recommendation method and device, electronic equipment and storage medium

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20040002910A1 (en) * 2002-07-01 2004-01-01 Shinichi Mizukami Financial asset management system
US20170046729A1 (en) * 2014-01-24 2017-02-16 Locallyselected.Com, Llc Internet-based affiliate-referral driven consumer-transaction rewarding system network and methods supported by the same
KR20190082153A (en) * 2017-12-29 2019-07-09 주식회사 레이니스트 Apparatus and method for recommending financial product
CN108694656A (en) * 2018-07-12 2018-10-23 太仓煜和网络科技有限公司 A kind of financing platform based on artificial intelligence
CN110941761A (en) * 2019-11-28 2020-03-31 中国银行股份有限公司 Product information recommendation method and device, electronic equipment and storage medium

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112785280A (en) * 2021-02-05 2021-05-11 福建省农村信用社联合社 Device for pushing certain deposit product based on secondary legal person mode
CN112785280B (en) * 2021-02-05 2022-06-14 福建省农村信用社联合社 Device for pushing deposit products based on secondary legal person mode
CN113344577A (en) * 2021-06-03 2021-09-03 中国工商银行股份有限公司 Target account determination method and device, electronic equipment and storage medium
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
CN113706286A (en) * 2021-07-23 2021-11-26 湖南三湘银行股份有限公司 Deposit operation system and method for user-defined deposit mode
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
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

Also Published As

Publication number Publication date
CN111784388B (en) 2024-02-06

Similar Documents

Publication Publication Date Title
Painoli et al. Impact of Fintech on the Profitability of Public and Private Banks in India
Mas et al. Scaling mobile money
CN111784388A (en) Financial product recommendation method and device
US7809614B2 (en) Tax transaction system
US8090651B2 (en) Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits
CN110033159A (en) Risk Identification Method, device and equipment
Sunday Impact of electronic banking instruments on the intermediation efficiency of the Nigerian economy
CN104584051A (en) Novel systems and processes for enhanced microlending
Stijepović Recovery and reduction of non-performing loans–podgorica approach
KR102114149B1 (en) Electronic bill mediation system and method thereof
CN112712426A (en) Supply chain finance application method based on block chain technology
Clarke et al. Bank privatization in Argentina: A model of political constraints and differential outcomes
Nwakoby et al. Effect of cashless policy on deposit money banks profitability in Nigeria
Semenyuta et al. Digital technologies in lending small and medium-size enterprises in Russia
Al-Naimi et al. Trends of fintech and cryptocurrencies Jordan recapitulation
CN116091242A (en) Recommended product combination generation method and device, electronic equipment and storage medium
Soumya GREEN BANKING: A SUSTAINABLE BANKING FOR ENVIRONMENTAL SUSTAINABILITY.
Xu et al. Fintech: Frontier and Beyond
Rasel et al. Demonetization in India: an evaluation
Rachman et al. Enterprise architecture for banking in the industrial revolution era 4.0
KR101472679B1 (en) Financial goods management method and server performing the same
Momoh-Musa et al. Electronic Payment and Quoted Financial Performance Of Deposit Money Banks In Nigeria
CN112765234B (en) Method and device for acquiring open data, storage medium and electronic device
Faryal et al. Investigating the impact of market share on profitability of Afghan banks
KR102052194B1 (en) Apparatus and method repaying loaned money for basnd on peer to peer

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
GR01 Patent grant
GR01 Patent grant