CN111915393A

CN111915393A - Product determination method and device, storage medium and electronic equipment

Info

Publication number: CN111915393A
Application number: CN202010634873.3A
Authority: CN
Inventors: 王�琦
Original assignee: China Citic Bank Corp Ltd
Current assignee: China Citic Bank Corp Ltd
Priority date: 2020-07-04
Filing date: 2020-07-04
Publication date: 2020-11-10

Abstract

The invention discloses a product determination method and device, a storage medium and electronic equipment. According to the method, the scores of the first products not held by the first object are respectively determined in two different modes, the target first product is determined according to the two scores, the product recommendation effect is improved, and the technical problems of low product recommendation accuracy and poor effect in the related technology are solved.

Description

Product determination method and device, storage medium and electronic equipment

Technical Field

The invention relates to the field of product determination, in particular to a method and a device for determining a product, a storage medium and electronic equipment.

Background

At present, the recommendation of financial products is single, fixed products can be recommended under common conditions, different users may see the same products and do not fit the interests of the users.

Although in the related art, a collaborative filtering recommendation algorithm can be used to recommend financial products to a user, the main method is to push financial products within a sorting threshold by adopting a user-based and article-based collaborative filtering algorithm. The algorithm depends on user scoring, and the problem of data sparsity exists, so that the recommendation accuracy is reduced.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The embodiment of the invention provides a method and a device for determining a product, a storage medium and electronic equipment, and aims to at least solve the technical problem of low product recommendation accuracy in the related art.

According to an aspect of an embodiment of the present invention, there is provided a method of determining a product, including:

determining a first score of a first product, wherein the first product is a product which is not held by a first object and is held by a similar object of the first object, the similar object is an object of a plurality of reference objects, the similarity of which with the first object meets a preset condition, the similarity is used for indicating the similarity of products held by different objects, and the first score is used for indicating the interest of the first object in the first product;

determining a second score of the first product, wherein the second score is positively correlated with a third score of the first product by one or more reference objects holding the first product, and the third score is used for indicating the interest degree of the reference objects holding the first product in the first product;

determining a target first product based on the first score and the second score of the first product.

According to another aspect of the embodiments of the present invention, there is also provided a product determination apparatus, including:

the first determination module is used for determining a first score of a first product, wherein the first product is a product which is not held by a first object and is held by a similar object of the first object, the similar object is an object of a plurality of reference objects, the similarity of the similar object and the first object meets a preset condition, the similarity is used for indicating the similarity of products held by different objects, and the first score is used for indicating the interest degree of the first object in the first product;

a second determination module, configured to determine a second score of the first product, where the second score is in a positive correlation with a third score of the first product by one or more reference objects holding the first product, and the third score is used to indicate an interest level of the first product in the reference objects holding the first product;

a third determination module for determining a target first product based on the first score and the second score of the first product.

According to still another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium having a computer program stored therein, wherein the computer program is configured to execute the determining method of the above product when running.

According to still another aspect of the embodiments of the present invention, there is also provided an electronic device, including a memory and a processor, where the memory stores a computer program, and the processor is configured to execute the method for determining the product through the computer program.

In the embodiment of the invention, the scores of the first products not held by the first object are respectively determined by two different modes, and the target first product is determined according to the two scores, so that the product recommendation effect is improved, and the technical problems of low product recommendation accuracy and poor effect in the related technology are solved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention without limiting the invention. In the drawings:

FIG. 1 is a flow chart of a method of determining a product according to an embodiment of the invention;

fig. 2 is a block diagram of a structure of a determination apparatus of a product according to an embodiment of the present invention;

FIG. 3 is a flow diagram illustrating a method of product determination according to an exemplary embodiment of the present invention;

fig. 4 is a schematic structural diagram of an alternative electronic device 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.

It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the invention described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, 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.

According to an aspect of the embodiments of the present invention, a method for determining a product is provided, and optionally, as an optional implementation manner, the method for determining a product may be applied to a terminal, a server, or a similar computing device or an electronic device.

Optionally, in this embodiment, the terminal device may be a terminal device configured with a target client, and may include, but is not limited to, at least one of the following: mobile phones (such as Android phones, iOS phones, etc.), notebook computers, tablet computers, palm computers, MID (Mobile Internet Devices), PAD, desktop computers, smart televisions, etc. The target client may be a video client, an instant messaging client, a browser client, an educational client, etc. Such networks may include, but are not limited to: a wired network, a wireless network, wherein the wired network comprises: a local area network, a metropolitan area network, and a wide area network, the wireless network comprising: bluetooth, WIFI, and other networks that enable wireless communication. The server may be a single server, a server cluster composed of a plurality of servers, or a cloud server. The above is merely an example, and this is not limited in this embodiment.

Optionally, as an optional implementation manner, fig. 1 is a flowchart of a method for determining a product according to an embodiment of the present invention, and as shown in fig. 1, the method for determining a product includes:

step S101, determining a first score of a first product, wherein the first product is a product which is not held by a first object and is held by a similar object of the first object, the similar object is an object whose similarity to the first object in a plurality of reference objects meets a preset condition, the similarity is used for indicating the similarity of products held by different objects, and the first score is used for indicating the interest degree of the first object in the first product;

step S103, determining a second score of the first product, wherein the second score is in a positive correlation with a third score of the first product by one or more reference objects holding the first product, and the third score is used for indicating the interest level of the reference objects holding the first product in the first product;

step S105, determining a target first product according to the first score and the second score of the first product.

Through the steps, the scores of the first products not held by the first object are respectively determined in two different modes, the target first product is determined according to the two scores, the product recommendation effect is improved, and the technical problems of low product recommendation accuracy and poor effect in the related technology are solved. And the product to be pushed is comprehensively determined by determining the score (the interest degree) of the first product by the first object and the score (the interest degree) of the first product by the reference object, so that the recommendation accuracy can be greatly improved, and the fitting degree of the user interest is improved.

It should be noted that, in an exemplary embodiment, the object in this embodiment may be a user, and the product may be a financial product or other product that can be recommended or pushed to the object. The reference objects may be predetermined objects, such as active users or users who have been recommended or pushed products.

In an exemplary embodiment, after determining to implement the target first product, the method further comprises: pushing the target first product to the first object.

In an exemplary embodiment, the determining the first score for the first product comprises: a first score for the first product is determined by a user collaborative filtering algorithm.

In an exemplary embodiment, the determining the second score for the first product comprises: a second score for the first product is determined by a slope one algorithm. It should be noted that, in the slope one algorithm, if the score of a certain product is high, the second score of the product is higher, and the possibility that the product is recommended is high.

In an exemplary embodiment, the determining a target first product based on the first score and the second score of the first product comprises: respectively carrying out weighting processing on the first score and the second score of each first product to obtain a comprehensive score of each first product; and sorting the comprehensive scores of different first products, and determining the target first product according to a sorting result.

In an exemplary embodiment, the determining the target first product according to the sorting result includes: determining one or more first products meeting preset screening conditions in the sequencing result as the target first product; or determining a specified number of the first products as the target first products according to the sorting result, wherein the specified number is preset.

In an exemplary embodiment, the method further comprises: determining the third score based on at least one of: the number of the first product held by the reference object, the holding time of the first product held by the reference object, and the income condition of the first product held by the reference object.

The embodiment also discloses a product determining apparatus, and fig. 2 is a block diagram of a structure of the product determining apparatus according to the embodiment of the present invention, as shown in fig. 2, including:

a first determining module 22, configured to determine a first score of a first product, where the first product is a product that is not held by a first object and is held by a similar object of the first object, where the similar object is an object whose similarity to the first object in a plurality of reference objects meets a preset condition, where the similarity is used to indicate a degree of similarity of products held by different objects, and the first score is used to indicate a degree of interest of the first object in the first product;

a second determining module 24, configured to determine a second score of the first product, where the second score is in a positive correlation with a third score of the first product, which is used to indicate an interest level of the first product in one or more reference objects holding the first product;

a third determining module 26 for determining a target first product based on the first score and the second score of the first product.

It should be further noted that other embodiments of this embodiment are the same as those of the above embodiment, and are not described herein again.

Example embodiments

The following further explains embodiments of the present invention with reference to specific scenarios. The embodiment can be used for electronic banks with financial product recommendation functions.

The embodiment is mainly directed at the condition that the recommendation algorithm of the electronic bank financing product is single, based on the improved collaborative filtering algorithm, the user group intelligence is fully utilized, and the characteristics of the financing product are combined, so that the recommended financing product is more suitable for the user requirements, the user satisfaction degree is improved, and the user viscosity of the electronic bank is enhanced. The method can solve the problems that the algorithm is single and the user interest is not met when the electronic bank recommends the financial products.

The main scheme of the embodiment is as follows: the traditional collaborative filtering based on users and the slope one algorithm based on projects are combined in a weighting mode, meanwhile, according to the condition that the users do not have scoring data, the scoring value of the users on the products is estimated according to the money amount, time and income conditions of the financial products currently held or purchased by the users, and the problem of data sparsity commonly existing in the collaborative filtering algorithm is solved.

The method and the device solve the problems that the recommendation algorithm of the financial management products of the electronic bank is single and the recommended products are fixed.

In the embodiment, through a weighting mode, only the traditional algorithm is adopted in the collaborative filtering algorithm part based on the user, and the slope one algorithm is adopted in the collaborative filtering based on the project, so that the algorithm expandability is enhanced, and the burden of a recommendation system is reduced.

The method and the device combine the characteristics of the financial products, estimate the value of credit of the user on the current product according to the money amount, time and income of the user on the currently held or purchased financial products, relieve the problem of data sparsity commonly existing in a collaborative filtering algorithm and improve the accuracy of recommendation.

Fig. 3 is a flowchart illustrating a method for determining a product according to an exemplary embodiment of the present invention, and a processing flow of the technical solution of the present invention is shown in fig. 3, and includes the following steps: starting; preprocessing data; calculating a predicted value; weighted sorting; recommending K items; and (6) ending.

Wherein the data preprocessing may comprise the steps of:

setting a recommended quantity threshold value; wherein the recommended quantity threshold may represent the quantity of products that ultimately need to be recommended;

the information of products currently held or historically held by the current active user is acquired, items which are not scored are selected, and the estimated scores (which are equivalent to the third scores in the above embodiment) of the products of the user are calculated according to the holding quantity, time and income conditions.

The process of predictive value calculation may include the steps of:

integrating the scoring data of the current user to form a user-financing product scoring two-dimensional matrix, calculating the similarity of the users by adopting a collaborative filtering algorithm based on the users, selecting nearest neighbor users, and calculating the prediction scoring (equivalent to the first scoring in the embodiment) of the current user on the financing products which are not purchased. Meanwhile, a difference matrix of the financing product and the financing product score is constructed, and a slope one algorithm based on projects is adopted to calculate the prediction score (which is equivalent to the second score in the above embodiment) of the current user for the unsown financing product.

The process of weighted ranking may include the following steps:

and weighting and sorting the results according to a preset rule, and selecting financial products within a threshold quantity to recommend to the current active user. For example, the first score and the second score may be subjected to a weighted ranking process.

It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the order of acts, as some steps may occur in other orders or concurrently in accordance with the invention. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required by the invention.

According to yet another aspect of the embodiment of the present invention, there is further provided an electronic device for implementing the method for determining a product, fig. 4 is a schematic structural diagram of an alternative electronic device according to the embodiment of the present invention, as shown in fig. 4, the electronic device includes a memory 402 and a processor 404, the memory 402 stores a computer program, and the processor 404 is configured to execute the steps in any one of the method embodiments through the computer program.

Optionally, in this embodiment, the electronic device may be located in at least one network device of a plurality of network devices of a computer network.

Optionally, in this embodiment, the processor may be configured to execute the following steps by a computer program:

s1, determining a first score of a first product, wherein the first product is a product which is not held by a first object and is held by a similar object of the first object, the similar object is an object whose similarity to the first object in a plurality of reference objects meets a preset condition, the similarity is used for indicating the similarity of products held by different objects, and the first score is used for indicating the interest degree of the first object in the first product;

s2, determining a second score of the first product, wherein the second score is in positive correlation with a third score of the first product by one or more reference objects holding the first product, and the third score is used for indicating the interest degree of the first product by the reference objects holding the first product;

and S3, determining a target first product according to the first score and the second score of the first product.

Alternatively, it can be understood by those skilled in the art that the structure shown in fig. 4 is only an illustration, and the electronic device may also be a terminal device such as a smart phone (e.g., an Android phone, an iOS phone, etc.), a tablet computer, a palmtop computer, and a Mobile Internet Device (MID), a PAD, a server, etc. Fig. 4 is a diagram illustrating a structure of the electronic device and the electronic apparatus. For example, the electronic device, electronic equipment may also include more or fewer components (e.g., network interfaces, etc.) than shown in FIG. 4, or have a different configuration than shown in FIG. 4.

The memory 402 may be used to store software programs and modules, such as program instructions/modules corresponding to the method and apparatus for determining a product in the embodiments of the present invention, and the processor 404 executes various functional applications and data processing by executing the software programs and modules stored in the memory 402, that is, implementing the method for determining a product described above. The memory 402 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 402 may further include memory located remotely from the processor 404, which may be connected to the terminal over 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 storage 402 may be, but not limited to, specifically used for storing information such as sample characteristics of the item and the target virtual resource account number.

Optionally, the transmission device 406 is used for receiving or sending data via a network. Examples of the network may include a wired network and a wireless network. In one example, the transmission device 406 includes a Network adapter (NIC) that can be connected to a router via a Network cable and other Network devices to communicate with the internet or a local area Network. In one example, the transmission device 406 is a Radio Frequency (RF) module, which is used to communicate with the internet in a wireless manner.

In addition, the electronic device further includes: a display 408 for displaying the information of the order to be processed; and a connection bus 410 for connecting the respective module parts in the above-described electronic apparatus.

In other embodiments, the terminal device or the server may be a node in a distributed system, where the distributed system may be a blockchain system, and the blockchain system may be a distributed system formed by connecting a plurality of nodes through a network communication. Nodes can form a Peer-To-Peer (P2P, Peer To Peer) network, and any type of computing device, such as a server, a terminal, and other electronic devices, can become a node in the blockchain system by joining the Peer-To-Peer network.

According to a further aspect of an embodiment of the present invention, there is also provided a computer-readable storage medium having a computer program stored thereon, wherein the computer program is arranged to perform the steps of any of the above method embodiments when executed.

Alternatively, in the present embodiment, the above-mentioned computer-readable storage medium may be configured to store a computer program for executing the steps of:

Alternatively, in this embodiment, a person skilled in the art may understand that all or part of the steps in the methods of the foregoing embodiments may be implemented by a program instructing hardware associated with the terminal device, where the program may be stored in a computer-readable storage medium, and the storage medium may include: flash disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

The integrated unit in the above embodiments, if implemented in the form of a software functional unit and sold or used as a separate product, may be stored in the above computer-readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for causing one or more computer devices (which may be personal computers, servers, network devices, etc.) to execute all or part of the steps of the method according to the embodiments of the present invention.

In the above embodiments of the present invention, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

In the several embodiments provided in the present application, it should be understood that the disclosed client may be implemented in other manners. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one type of division of logical functions, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.

The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The foregoing is only a preferred embodiment of the present invention, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present invention, and these modifications and decorations should also be regarded as the protection scope of the present invention.

Claims

1. A method of product determination, comprising:

2. The method of claim 1, wherein after determining to implement the target first product, the method further comprises:

pushing the target first product to the first object.

3. The method of claim 1, wherein said determining a first score for said first product comprises:

determining a first score for the first product through a user collaborative filtering algorithm.

4. The method of claim 1, wherein said determining a second score for said first product comprises:

determining a second score for the first product by a slope one algorithm.

5. The method of any one of claims 1 to 4, wherein said determining a target first product from the first score and the second score of the first product comprises:

respectively carrying out weighting processing on the first score and the second score of each first product to obtain a comprehensive score of each first product;

and sorting the comprehensive scores of different first products, and determining the target first product according to a sorting result.

6. The method of claim 5, wherein determining the target first product according to the ranking result comprises:

determining one or more first products meeting preset screening conditions in the sequencing results as the target first products; alternatively, the first and second electrodes may be,

and determining a specified number of the first products as the target first products according to the sorting result, wherein the specified number is preset.

7. The method of claim 1, further comprising:

determining the third score based on at least one of:

the number of holds of the first product by the reference object, the holding time of the first product by the reference object, and the income condition of the first product held by the reference object.

8. An apparatus for determining a product, comprising:

9. A computer-readable storage medium comprising a stored program, wherein the program when executed performs the method of any of claims 1 to 7.

10. An electronic device comprising a memory and a processor, characterized in that the memory has stored therein a computer program, the processor being arranged to execute the method of any of claims 1 to 7 by means of the computer program.