CN111967948A - Bank product recommendation method and device, server and storage medium - Google Patents
Bank product recommendation method and device, server and storage medium Download PDFInfo
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Abstract
The invention provides a bank product recommendation method, a device, a server and a storage medium, which are used for acquiring personal information and historical product purchase information of a user by responding to a bank product recommendation request; analyzing personal information and historical product purchasing information of a user to acquire user demand information of the user on bank products; and integrating the basic bank products according to the user demand information, acquiring the bank products meeting the user demand information, and recommending the bank products to the user. The method comprises the steps of analyzing personal information and historical product purchase information of a user to obtain user demand information of the user on bank products, integrating basic bank products according to the user demand information to obtain bank products meeting the user demand information, recommending the bank products meeting the user demand information to the user, enabling the bank products recommended to the user to be in accordance with the demands of the user, and improving the accuracy of bank product recommendation.
Description
Technical Field
The invention relates to the technical field of information processing, in particular to a bank product recommendation method, a bank product recommendation device, a server and a storage medium.
Background
At present, banks usually have various bank products for users to select, however, bank products in banks are all bank products of fixed types at present, when a bank recommends bank products for a user, a bank can only select and recommend from the bank products of fixed types, however, the bank products of fixed types may not conform to personal requirements or personal conditions of the user, and thus the recommendation accuracy of the bank products is low.
Therefore, how to improve the accuracy of recommending bank products becomes a technical problem to be solved at present.
Disclosure of Invention
In view of this, the invention provides a method, an apparatus, a server and a storage medium for recommending bank products, so as to improve the accuracy of recommending bank products.
In order to achieve the purpose, the invention provides the following technical scheme:
a method of bank product recommendation, the method comprising:
responding to a bank product recommendation request, and acquiring personal information and historical product purchase information of a user;
acquiring a pre-stored basic bank product;
analyzing the personal information and the historical product purchasing information of the user to acquire user demand information of the user on bank products;
integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information;
and recommending the bank product meeting the user requirement information to the user.
Preferably, the analyzing the personal information of the user and the historical product purchase information to obtain the user demand information of the user on the bank product includes:
and analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model to acquire the user demand information of the user on the bank product.
Preferably, the analyzing the personal information of the user and the purchase information of the historical products by using the pre-trained demand information determination model, and the acquiring the user demand information of the user on the bank products includes:
analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model, and acquiring risk information of the user aiming at bank products and target income information of the user aiming at the bank products;
and acquiring user demand information of the user on the bank product based on the risk information of the user on the bank product and the target income information of the user on the bank product.
Preferably, the integrating the basic bank product according to the user demand information, and the acquiring the bank product meeting the user demand information includes:
according to the user demand information, sequentially selecting a preset number of basic bank products from all basic bank products for integration to obtain a product integration result meeting the user demand information;
and selecting a product integration result meeting the heat condition of a preset bank product from the product integration results meeting the user demand information as the bank product meeting the user demand information.
Preferably, the user requirement information includes: under the condition that the user is directed at the risk information of bank products and the user is directed at the income information of bank products, according to user demand information, from all basic bank products, select the basic bank products of predetermineeing quantity in proper order and integrate, it includes to obtain the product integration result:
sequentially selecting a preset number of basic bank products from all basic bank products to obtain at least one bank product set, wherein each bank product set comprises the preset number of basic bank products;
respectively determining a risk value and a profit value of each basic bank product in each bank product set;
integrating the risk values of all basic bank products contained in each bank product set respectively according to a preset risk value integration rule and the risk information of a user aiming at the bank products to obtain a bank product set meeting the risk information of the user aiming at the bank products;
according to a preset income value integration rule and income information of a user for bank products, integrating the income values of all basic bank products contained in each bank product set respectively to obtain a bank product set meeting the income information of the user for the bank products;
and taking the bank product set which meets the requirements of the user on the risk information of the bank product and meets the requirements of the user on the income information of the bank product as a product integration result.
Preferably, the product integration result at least comprises:
the name and the attribute of each bank product in the bank product set and the purchase proportion of each bank product.
Preferably, the selecting, from the product integration results meeting the user requirement information, a product integration result meeting a preset bank product popularity condition as a bank product meeting the user requirement information includes:
and selecting the bank product with the heat degree of the bank product being more than or equal to a preset heat degree value from a plurality of product integration results meeting the user demand information as the bank product finally meeting the user demand information.
A bank product recommendation device, the device comprising:
the information acquisition unit is used for responding to the bank product recommendation request and acquiring personal information of a user and historical product purchase information;
the basic bank product acquisition unit is used for acquiring a pre-stored basic bank product;
the user demand information acquisition unit is used for analyzing the personal information of the user and the historical product purchase information to acquire user demand information of the user on bank products;
the integration unit is used for integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information;
and the product recommending unit is used for recommending the bank products meeting the user requirement information to the user.
A server, the server comprising:
a processor and a memory;
the processor is used for calling and executing the program stored in the memory;
the memory is used for storing the program, and the program is at least used for executing the bank product recommendation method.
A computer readable storage medium having stored therein computer executable instructions which, when loaded and executed by a processor, implement a method of bank product recommendation as described above.
According to the technical scheme, compared with the prior art, the bank product recommendation method, the device, the server and the storage medium are provided, and the personal information and the historical product purchase information of the user are acquired by responding to the bank product recommendation request; acquiring a pre-stored basic bank product; analyzing the personal information and the historical product purchasing information of the user to acquire user demand information of the user on bank products; integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information; and recommending the bank product meeting the user requirement information to the user. According to the embodiment of the invention, the user demand information of the user on the bank products can be acquired by analyzing the personal information and the historical product purchase information of the user, then the basic bank products are integrated according to the user demand information, so that the bank products meeting the user demand information are acquired, the bank products meeting the user demand information are recommended to the user, the bank products recommended to the user are in accordance with the demands of the user, and the accuracy of the recommendation of the bank products is improved.
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 described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method for recommending bank products according to an embodiment of the present invention;
fig. 2 is a flowchart of a method for sequentially selecting a preset number of basic bank products from all basic bank products to integrate according to the user requirement information to obtain a product integration result according to the embodiment of the present invention;
fig. 3 is a block diagram of a bank product recommendation device according to an embodiment of the present invention.
Detailed Description
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.
At present, banks usually have various bank products for users to select, however, bank products in banks are all bank products of fixed types at present, when a bank recommends bank products for a user, a bank can only select and recommend from the bank products of fixed types, however, the bank products of fixed types may not conform to personal requirements or personal conditions of the user, and thus the recommendation accuracy of the bank products is low.
In order to solve the technical problems, the inventor proposes a bank product recommendation method through further research, and obtains personal information of a user and historical product purchase information in response to a bank product recommendation request; acquiring a pre-stored basic bank product; analyzing the personal information and the historical product purchasing information of the user to acquire user demand information of the user on bank products; integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information; and recommending the bank product meeting the user requirement information to the user. According to the embodiment of the invention, the user demand information of the user on the bank products can be acquired by analyzing the personal information and the historical product purchase information of the user, then the basic bank products are integrated according to the user demand information, so that the bank products meeting the user demand information are acquired, the bank products meeting the user demand information are recommended to the user, the bank products recommended to the user are in accordance with the demands of the user, and the accuracy of the recommendation of the bank products is improved.
The following describes a method for recommending bank products according to an embodiment of the present invention. Fig. 1 is a flowchart of a method for recommending bank products, which is applicable to a server and may include, with reference to fig. 1:
step S100, responding to a bank product recommendation request, and acquiring personal information and historical product purchase information of a user;
in response to the bank product recommendation request, the personal information of the user and the historical product purchase information can be acquired from the system, and the personal information of the user is mainly information related to the personal identity of the user, such as: the name, sex, identification card number, bank card number, etc. of the user, and the embodiment of the present invention is not limited specifically. The historical product purchase information refers to information about bank products of products purchased by the user in a historical period of time, and may include, for example: the name, type, attribute and other related information of the bank product purchased by the user in the historical time period.
The bank products purchased by the user in the historical time period may include financial products, deposit products, loan products, and the like, and the embodiment of the present invention is not particularly limited.
Step S110, obtaining a pre-stored basic bank product;
the basic bank products are bank products that are preset to have different attributes, such as bank products with different wind risks and different profits.
The system may pre-calibrate attribute information corresponding to each of the various basic bank products, such as pre-calibrating risk values and profit values corresponding to each of the various basic bank products.
Step S120, analyzing the personal information of the user and the historical product purchasing information to acquire user demand information of the user on bank products;
optionally, the analyzing the personal information of the user and the historical product purchase information to obtain the user demand information of the user on the bank product according to the embodiment of the present invention includes: and analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model to acquire the user demand information of the user on the bank product.
The user demand information of the user for the bank product may be a risk demand and a profit demand of the user for the bank product, and the embodiment of the present invention is not particularly limited.
The determining a model by using pre-trained demand information, analyzing the personal information of the user and the historical product purchasing information, and acquiring the user demand information of the user on the bank product comprises:
analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model, and acquiring risk information of the user aiming at bank products and target income information of the user aiming at the bank products;
and acquiring user demand information of the user on the bank product based on the risk information of the user on the bank product and the target income information of the user on the bank product.
Optionally, the embodiment of the present invention further discloses a training method for a demand information determination model, where:
acquiring sample personal information and sample historical product purchasing information of sample users in a sample set, and acquiring reference output user demand information; inputting the sample personal information and the sample historical product purchasing information into a demand information determination model for training to obtain predicted output user demand information; obtaining a target function of the demand information determination model by using the reference output user demand information and the prediction output user demand information; and taking the model parameter when the target function is maximized as the model parameter of the demand information determination model, returning to the step of inputting the sample personal information and the sample historical product purchase information into the demand information determination model for training, and obtaining the predicted output user demand information, and continuing to train until the preset training stop condition is met.
It should be noted that, after the user demand information of the user for the bank product is acquired, the embodiment of the present invention may search whether a basic bank product meeting the user demand information exists in the pre-stored basic bank products, and if the basic bank product meeting the user demand information exists, recommend the basic bank product meeting the user demand information to the user; if not, the following steps of integrating the base bank product are performed.
Step S130, integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information;
according to the embodiment of the invention, the basic bank products can be integrated according to the user demand information, the integrated bank products need to meet the user demand information, and the standard for integrating the basic bank products is to meet the user demand information.
Optionally, integrating the basic bank product according to the user requirement information, and acquiring the bank product meeting the user requirement information includes:
according to the user demand information, sequentially selecting a preset number of basic bank products from all basic bank products for integration to obtain a product integration result meeting the user demand information; and selecting a product integration result meeting the heat condition of a preset bank product from the product integration results meeting the user demand information as the bank product meeting the user demand information.
It should be noted that the range of the preset number may be selected as a range greater than or equal to 2, and the embodiment of the present invention is not particularly limited.
It should be noted that, in the process of sequentially selecting a preset number of basic bank products for integration, the preset number of basic bank products may be selected in any order for integration, and the embodiment of the present invention is not limited specifically.
Optionally, in the embodiment of the present invention, two basic bank products may be sequentially selected from all basic bank products and integrated by using a binary tree selection method, if all of the sequentially selected two basic bank products are integrated and the obtained integration results of all the products do not satisfy the user requirement information, then three basic bank products may be sequentially selected from all the basic bank products and integrated, and then it is determined whether the integrated results satisfy the user requirement information, and so on, and the four basic bank products may be further integrated, the five basic bank products may be integrated, and the like.
It should be noted that, under the condition that a plurality of product integration results meeting the user requirement information are obtained, a product integration result meeting the preset bank product popularity condition is selected from the plurality of product integration results meeting the user requirement information as a bank product meeting the user requirement information. For example, from a plurality of product integration results meeting the user demand information, a bank product with the popularity of the bank product greater than or equal to a preset popularity value is selected as the bank product finally meeting the user demand information.
And step S140, recommending the bank product meeting the user requirement information to the user.
The embodiment of the invention recommends a result of integrating basic bank products to the user, and the integrated result can be integrally recommended to the user as a bank product meeting the requirements of the user.
Acquiring personal information of a user and historical product purchase information by responding to a bank product recommendation request; acquiring a pre-stored basic bank product; analyzing the personal information and the historical product purchasing information of the user to acquire user demand information of the user on bank products; integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information; and recommending the bank product meeting the user requirement information to the user. According to the embodiment of the invention, the user demand information of the user on the bank products can be acquired by analyzing the personal information and the historical product purchase information of the user, then the basic bank products are integrated according to the user demand information, so that the bank products meeting the user demand information are acquired, the bank products meeting the user demand information are recommended to the user, the bank products recommended to the user are in accordance with the demands of the user, and the accuracy of the recommendation of the bank products is improved.
Next, in order to further explain the bank product recommendation method disclosed in the present invention, a method for sequentially selecting a preset number of basic bank products from all basic bank products to integrate according to the user requirement information to obtain a product integration result provided in the embodiment of the present invention is introduced. The user requirement information comprises: fig. 2 is a flowchart of a method for sequentially selecting a preset number of basic bank products from all basic bank products to integrate according to user demand information to obtain a product integration result, where the method is applicable to a server, and with reference to fig. 2, the method may include:
s200, sequentially selecting a preset number of basic bank products from all basic bank products to obtain at least one bank product set;
it should be noted that each bank product set includes a predetermined number of basic bank products.
Under the condition that the preset number is 2, sequentially selecting 2 basic bank products from all basic bank products, wherein the 2 basic bank products selected each time form a bank product set; under the condition that the preset number is 3, 3 basic bank products can be sequentially selected from all basic bank products, the 3 basic bank products selected each time form a bank product set, and so on, and the number of the basic bank products contained in each bank product set is a set value of the preset number.
Step S210, respectively determining a risk value and a profit value of each basic bank product in each bank product set;
the embodiment of the invention can determine the risk value and the income value of each basic bank product in each bank product set according to the preset rule, and the risk value and the income value of each basic bank product can be stored in the system in advance after the determination.
Step S220, integrating the risk values of all basic bank products contained in each bank product set respectively according to a preset risk value integration rule and the risk information of the user aiming at the bank products to obtain the bank product set meeting the risk information of the user aiming at the bank products;
it should be noted that, in the embodiment of the present invention, for a bank product set, risk value integration weight variables are respectively set for risk values of all basic bank products included in the bank product set, then integrating the risk values of all the basic bank products contained in the bank product set with the respective corresponding risk value into a weight variable to perform weighted summation operation, and adjusting the size of the risk value integration weight variable corresponding to the risk value of each basic bank product, if a group of risk value integration weight variables exist in the bank product set, so that the result of performing weighted summation operation on the risk values of all basic bank products contained in the bank product set and the respective corresponding risk value integration weight variables meets the requirement of a user on the risk information of the bank products, it is determined that the set of banking products can meet the requirements of the user for the risk information of the banking products.
Specifically, for example, the requirement of the user on the risk information of the bank product is 0.33, for a bank product set, the bank product set includes two basic bank products a and B, the risk value of the basic bank product a is 0.4, the risk value of the basic bank product B is 0.3, the risk value integration weight variable corresponding to the risk value of the basic bank product a is x1, and the risk value integration weight variable corresponding to the risk value of the basic bank product B is y1, a weighted sum operation is performed: 0.4 x1+0.3 y1, determining whether x1 and y1 exist or not, so that 0.4 x1+0.3 y1 is 0.33, if so, determining that the bank product set can meet the requirement of the user on the risk information of the bank products, and if not, determining that the bank product set cannot meet the requirement of the user on the risk information of the bank products.
Step S230, integrating the income values of all basic bank products contained in each bank product set respectively according to a preset income value integration rule and the income information of the user for the bank products to obtain a bank product set meeting the income information of the user for the bank products;
it should be noted that, the embodiment of the present invention is directed to a bank product set, and sets a profit value integration weight variable for the profit values of all basic bank products included in the bank product set, then integrating the income values of all basic bank products contained in the bank product set and the respective corresponding income value into a weight variable to perform weighted summation operation, and adjusting the size of the income value integration weight variable corresponding to the income value of each basic bank product, if a group of income value integration weight variables exists in the bank product set, so that the result of performing weighted summation operation on the income values of all basic bank products contained in the bank product set and the respective corresponding income value integration weight variables meets the requirement of a user on income information of the bank products, the bank product set is judged to meet the requirement of the user on the income information of the bank products.
Specifically, for example, the user has a requirement on income information of a bank product of 0.33, and for a bank product set, the bank product set includes two basic bank products a and B, the income value of the basic bank product a is 0.4, the income value of the basic bank product B is 0.3, the income value integration weight variable corresponding to the income value of the basic bank product a is x2, and the income value integration weight variable corresponding to the income value of the basic bank product B is y2, and performs weighted summation: 0.4 x2+0.3 y2, determining whether x2 and y2 exist or not, so that 0.4 x2+0.3 y2 is 0.33, if so, determining that the bank product set can meet the requirement of the user on the income information of the bank products, and if not, determining that the bank product set cannot meet the requirement of the user on the income information of the bank products.
And S240, taking the bank product set which meets the requirements of the user on the risk information of the bank product and the income information of the user on the bank product as a product integration result.
It should be noted that the product integration result at least includes: the name and the attribute of each bank product in the bank product set and the purchase proportion of each bank product.
It should be noted that, in the embodiment of the present invention, the risk value integration weight variable that meets the risk information requirement of the user for the bank product and the profit value integration weight variable that meets the profit information requirement of the user for the bank product, which correspond to each bank product in the bank product set, are processed to obtain the purchase proportion of each bank product in the bank product set that meets the risk information requirement of the user for the bank product and meets the profit information requirement of the user for the bank product.
Specifically, the proportional relationship of the risk value integration weight variable of each bank product in a bank product set meeting the requirement of the user on the income information of the bank product can be used as the purchase proportion of each bank product in the bank product set meeting the requirement of the user on the income information of the bank product;
the proportion relation of the income value integration weight variable of each bank product in a bank product set meeting the requirement of the user on the income information of the bank product can be used as the purchase proportion of each bank product in the bank product set meeting the requirement of the user on the income information of the bank product;
the method can also integrate the risk value of each bank product into the proportional relation of the weight variable in a bank product set meeting the requirement of the user on the income information of the bank product, and perform average operation on the proportional relation of the risk value of each bank product and the income value of each bank product, and take the average operation result as the purchase proportion of each bank product in the bank product set meeting the requirement of the user on the income information of the bank product.
It should be noted that, in the embodiment of the present invention, a bank product set that satisfies the risk information of the user for the bank product and a bank product set that satisfies the benefit information of the user for the bank product are obtained through the above integration manner from the two aspects of risk and benefit; therefore, the requirement of the user for the risk information of the bank product is met, the bank product set meeting the requirement of the user for the income information of the bank product is used as a product integration result, the product integration result can meet the requirement of the user for the risk information of the bank product and the requirement of the user for the income information of the bank product, the product integration result can better meet the requirement of the user, the bank product meeting the requirement information of the user is recommended to the user, the bank product recommended to the user is better met with the requirement of the user, and the accuracy of recommendation of the bank product is further improved.
In the following, a bank product recommendation device provided by an embodiment of the present invention is introduced, and a bank product recommendation device described below may be referred to in correspondence with the above-described bank product recommendation method.
Fig. 3 is a block diagram of a structure of a bank product recommendation device according to an embodiment of the present invention, where the device is applied to a server, and referring to fig. 3, the bank product recommendation device at least includes:
an information obtaining unit 300 for obtaining personal information of a user and historical product purchase information in response to a bank product recommendation request;
a basic bank product obtaining unit 310, configured to obtain a basic bank product stored in advance;
a user demand information obtaining unit 320, configured to analyze the personal information of the user and the historical product purchase information, and obtain user demand information of the user on a bank product;
an integration unit 330, configured to integrate the basic bank product according to the user demand information, and obtain a bank product that meets the user demand information;
and the product recommending unit 340 is configured to recommend the bank product meeting the user requirement information to the user.
Optionally, the user requirement information obtaining unit includes:
and the user demand information acquisition subunit is used for analyzing the personal information and the historical product purchase information of the user by utilizing a pre-trained demand information determination model to acquire the user demand information of the user on the bank product.
Optionally, the user requirement information obtaining subunit is specifically configured to:
analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model, and acquiring risk information of the user aiming at bank products and target income information of the user aiming at the bank products;
and acquiring user demand information of the user on the bank product based on the risk information of the user on the bank product and the target income information of the user on the bank product.
Optionally, the integration unit includes:
the basic bank product integration unit is used for sequentially selecting a preset number of basic bank products from all basic bank products to integrate according to the user demand information to obtain a product integration result meeting the user demand information;
and the integration result selection unit is used for selecting a product integration result meeting the heat condition of a preset bank product from the product integration results meeting the user requirement information as the bank product meeting the user requirement information.
Optionally, the user requirement information includes: under the condition that the user aims at the risk information of bank products and the user is to the income information of bank products, the basic bank product integration unit comprises:
the bank product set acquisition unit is used for sequentially selecting a preset number of basic bank products from all basic bank products to obtain at least one bank product set, and each bank product set comprises the preset number of basic bank products;
the risk value determining unit is used for respectively determining the risk value of each basic bank product in each bank product set;
the income value determining unit is used for respectively determining the income value of each basic bank product in each bank product set;
the risk value integration unit is used for respectively integrating the risk values of all basic bank products contained in each bank product set according to a preset risk value integration rule and the risk information of the user aiming at the bank products to obtain the bank product set meeting the risk information of the user aiming at the bank products;
the income value integration unit is used for respectively integrating the income values of all basic bank products contained in each bank product set according to a preset income value integration rule and the income information of the user for the bank products to obtain the bank product set meeting the income information of the user for the bank products;
and the product integration result acquisition unit is used for taking a bank product set which meets the requirements of the user on the risk information of the bank product and meets the requirements of the user on the income information of the bank product as a product integration result.
Optionally, the product integration result at least includes:
the name and the attribute of each bank product in the bank product set and the purchase proportion of each bank product.
Optionally, the integration result selecting unit is specifically configured to: and selecting the bank product with the heat degree of the bank product being more than or equal to a preset heat degree value from a plurality of product integration results meeting the user demand information as the bank product finally meeting the user demand information.
It should be noted that the present invention also discloses a server, where the server includes:
a processor and a memory;
the processor is used for calling and executing the program stored in the memory;
the memory is used for storing the program, and the program is at least used for executing the bank product recommendation method.
It should be noted that the present invention also discloses a computer-readable storage medium, in which computer-executable instructions are stored, and when the computer-executable instructions are loaded and executed by a processor, the method for recommending bank products as described above is implemented.
Technical features described in the embodiments in the present specification may be replaced or combined with each other, each embodiment is described with a focus on differences from other embodiments, and the same and similar portions among the embodiments may be referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method for recommending bank products, the method comprising:
responding to a bank product recommendation request, and acquiring personal information and historical product purchase information of a user;
acquiring a pre-stored basic bank product;
analyzing the personal information and the historical product purchasing information of the user to acquire user demand information of the user on bank products;
integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information;
and recommending the bank product meeting the user requirement information to the user.
2. The method of claim 1, wherein analyzing the personal information and the historical product purchase information of the user, and acquiring the user demand information of the user for the bank product comprises:
and analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model to acquire the user demand information of the user on the bank product.
3. The method according to claim 2, wherein the analyzing the personal information of the user and the historical product purchasing information by using the pre-trained demand information determination model, and the obtaining the user demand information of the user for the bank product comprises:
analyzing the personal information and the historical product purchasing information of the user by utilizing a pre-trained demand information determination model, and acquiring risk information of the user aiming at bank products and target income information of the user aiming at the bank products;
and acquiring user demand information of the user on the bank product based on the risk information of the user on the bank product and the target income information of the user on the bank product.
4. The method according to claim 1, wherein the integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information comprises:
according to the user demand information, sequentially selecting a preset number of basic bank products from all basic bank products for integration to obtain a product integration result meeting the user demand information;
and selecting a product integration result meeting the heat condition of a preset bank product from the product integration results meeting the user demand information as the bank product meeting the user demand information.
5. The method of claim 4, wherein the user requirement information comprises: under the condition that the user is directed at the risk information of bank products and the user is directed at the income information of bank products, according to user demand information, from all basic bank products, select the basic bank products of predetermineeing quantity in proper order and integrate, it includes to obtain the product integration result:
sequentially selecting a preset number of basic bank products from all basic bank products to obtain at least one bank product set, wherein each bank product set comprises the preset number of basic bank products;
respectively determining a risk value and a profit value of each basic bank product in each bank product set;
integrating the risk values of all basic bank products contained in each bank product set respectively according to a preset risk value integration rule and the risk information of a user aiming at the bank products to obtain a bank product set meeting the risk information of the user aiming at the bank products;
according to a preset income value integration rule and income information of a user for bank products, integrating the income values of all basic bank products contained in each bank product set respectively to obtain a bank product set meeting the income information of the user for the bank products;
and taking the bank product set which meets the requirements of the user on the risk information of the bank product and meets the requirements of the user on the income information of the bank product as a product integration result.
6. The method of claim 5, wherein the product integration result comprises at least:
the name and the attribute of each bank product in the bank product set and the purchase proportion of each bank product.
7. The method according to claim 4, wherein the selecting, from the product integration results meeting the user requirement information, a product integration result meeting a preset bank product popularity condition as a bank product meeting the user requirement information comprises:
and selecting the bank product with the heat degree of the bank product being more than or equal to a preset heat degree value from a plurality of product integration results meeting the user demand information as the bank product finally meeting the user demand information.
8. A bank product recommendation device, the device comprising:
the information acquisition unit is used for responding to the bank product recommendation request and acquiring personal information of a user and historical product purchase information;
the basic bank product acquisition unit is used for acquiring a pre-stored basic bank product;
the user demand information acquisition unit is used for analyzing the personal information of the user and the historical product purchase information to acquire user demand information of the user on bank products;
the integration unit is used for integrating the basic bank products according to the user demand information to obtain the bank products meeting the user demand information;
and the product recommending unit is used for recommending the bank products meeting the user requirement information to the user.
9. A server, characterized in that the server comprises:
a processor and a memory;
the processor is used for calling and executing the program stored in the memory;
the memory is configured to store the program for performing at least the method of bank product recommendation of any of claims 1-7.
10. A computer-readable storage medium having stored thereon computer-executable instructions that, when loaded and executed by a processor, carry out a method of bank product recommendation according to any one of claims 1-7.
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Application publication date: 20201120 |