CN113112339A - Recommendation method and device for mobile banking products - Google Patents
Recommendation method and device for mobile banking products Download PDFInfo
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- CN113112339A CN113112339A CN202110532525.XA CN202110532525A CN113112339A CN 113112339 A CN113112339 A CN 113112339A CN 202110532525 A CN202110532525 A CN 202110532525A CN 113112339 A CN113112339 A CN 113112339A
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Abstract
The invention discloses a method and a device for recommending mobile banking products, and relates to the technical field of artificial intelligence, wherein the method comprises the following steps: generating user group information corresponding to each mobile phone bank product to be recommended; aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; and aiming at each piece of processed user group information, sending recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information. The method and the device can accurately send the recommendation information to the user group information corresponding to the mobile banking products, do not need to individually perform programming processing of the recommendation program for each mobile banking product, save the banking cost, ensure the timeliness of the recommendation of the mobile banking products, improve the recommendation efficiency of the bank to the mobile banking products, and improve the use experience of the user.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a method and a device for recommending mobile banking products.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, after a bank releases a mobile banking product, the bank generally needs to push related products of the mobile banking product to a target user.
At present, related products of the mobile banking product are pushed to a target user and need to be realized through a well-set computer program. For each mobile banking product, a computer program recommending the product needs to be established to realize the function of recommending the product.
Because the types and the number of mobile phone bank products released by a bank are numerous, if a set of corresponding programs is established for each mobile phone bank product, huge program development workload is caused for the bank, and bank resource waste is caused; meanwhile, the time required by program compiling and testing is long, so that the timeliness of the recommendation of the mobile banking products is difficult to guarantee, and the recommendation efficiency of the bank to the mobile banking products is reduced.
Furthermore, if a set of corresponding programs is established for each mobile banking product, because the mobile banking products have similarity, the corresponding programs also have similarity, so that the bank programs are redundant, and the management of the mobile banking product programs by the bank is inconvenient; meanwhile, multiple independent programs can cause repeated marketing for the same user, and bring bad experience to the user.
Disclosure of Invention
The embodiment of the invention provides a method for recommending mobile banking products, which relates to the technical field of artificial intelligence and is used for ensuring the timeliness of recommending the mobile banking products, improving the recommending efficiency of the mobile banking products and improving the user experience at the same time, and the method comprises the following steps:
generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
and aiming at each piece of processed user group information, sending recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information.
The embodiment of the invention also provides a recommendation device for mobile banking products, which relates to the technical field of artificial intelligence and is used for ensuring the timeliness of the recommendation of the mobile banking products, improving the recommendation efficiency of the mobile banking products and improving the user experience, and the device comprises:
the user group information generating module is used for generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
the user group information processing module is used for carrying out user duplicate removal processing and user screening processing on the user group information aiming at each user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
and the recommendation information sending module is used for sending the recommendation information of the mobile banking products corresponding to the user group information to each user in the processed user group information according to the processed user group information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor executes the computer program to realize the recommendation method of the mobile banking product.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the recommendation method of the mobile banking product.
In the embodiment of the invention, aiming at each mobile phone bank product to be recommended, user group information corresponding to the mobile phone bank product is generated; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value; aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information; aiming at each processed user group information, sending the recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information, therefore, the user group information corresponding to the mobile phone banking product can be automatically generated for each mobile phone banking product to be recommended, further sending the recommendation information, the recommendation information can be accurately sent to the user group information corresponding to the mobile banking products, the programming processing of a recommendation program for each mobile banking product is not needed, the recommendation of different mobile phone bank products can be synchronously realized, the problems of huge development workload of bank programs and complicated programs caused by independently programming each mobile phone bank product in the prior art are solved, the bank cost is saved, the timeliness of the recommendation of the mobile phone bank products is ensured, and the recommendation efficiency of banks to the mobile phone bank products is also improved; meanwhile, through user duplicate removal processing, the same users among different user group information can be removed, the problem that repeated marketing can be carried out on the same user due to independence among multiple programs in the prior art is also solved, and the use experience of the user 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 some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic flow chart of a method for recommending mobile banking products according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a recommendation device for mobile banking products according to an embodiment of the present invention;
fig. 3 is a diagram illustrating an exemplary embodiment of a recommendation apparatus for mobile banking products according to the present invention;
fig. 4 is a diagram illustrating an exemplary embodiment of a recommendation apparatus for mobile banking products according to the present invention;
fig. 5 is a diagram illustrating an embodiment of a recommendation apparatus for mobile banking products.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
At present, related products of the mobile banking product are pushed to a target user and need to be realized through a well-set computer program. For each mobile banking product, a computer program recommending the product needs to be established to realize the function of recommending the product.
Because the types and the number of mobile phone bank products released by a bank are numerous, if a set of corresponding programs is established for each mobile phone bank product, huge program development workload is caused for the bank, and bank resource waste is caused; meanwhile, the time required by program compiling and testing is long, so that the timeliness of the recommendation of the mobile banking products is difficult to guarantee, and the recommendation efficiency of the bank to the mobile banking products is reduced.
Furthermore, if a set of corresponding programs is established for each mobile banking product, because the mobile banking products have similarity, the corresponding programs also have similarity, so that the bank programs are redundant, and the management of the mobile banking product programs by the bank is inconvenient; meanwhile, multiple independent programs can cause repeated marketing for the same user, and bring bad experience to the user.
In order to solve the above problem, an embodiment of the present invention provides a method for recommending a mobile banking product, which relates to the technical field of artificial intelligence, and is configured to ensure timeliness of recommending the mobile banking product, improve recommendation efficiency of the mobile banking product, and improve user experience at the same time, as shown in fig. 1, the method may include:
step 101: generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
step 102: aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the duplication elimination processing is used for eliminating the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
step 103: and aiming at each piece of processed user group information, sending recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information.
In the embodiment of the invention, aiming at each mobile phone bank product to be recommended, user group information corresponding to the mobile phone bank product is generated; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value; aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the duplication elimination processing is used for eliminating the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information; aiming at each processed user group information, sending the recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information, therefore, the user group information corresponding to the mobile phone banking product can be automatically generated for each mobile phone banking product to be recommended, further sending the recommendation information, the recommendation information can be accurately sent to the user group information corresponding to the mobile banking products, the programming processing of a recommendation program for each mobile banking product is not needed, the recommendation of different mobile phone bank products can be synchronously realized, the problems of huge development workload of bank programs and complicated programs caused by independently programming each mobile phone bank product in the prior art are solved, the bank cost is saved, the timeliness of the recommendation of the mobile phone bank products is ensured, and the recommendation efficiency of banks to the mobile phone bank products is also improved; meanwhile, through user duplicate removal processing, the same users among different user group information can be removed, the problem that repeated marketing can be carried out on the same user due to independence among multiple programs in the prior art is also solved, and the use experience of the user is improved.
When the method is specifically implemented, firstly, aiming at each mobile phone bank product to be recommended, user group information corresponding to the mobile phone bank product is generated; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value.
In an embodiment, for each mobile banking product to be recommended, generating user group information corresponding to the mobile banking product may include:
and aiming at each mobile phone bank product to be recommended, generating user group information corresponding to different mobile phone bank products according to the historical recommendation record of the mobile phone bank product.
For each mobile banking product to be recommended, generating user group information corresponding to the mobile banking product, which may include:
based on a preset user group configuration rule engine, generating user group information corresponding to each mobile phone bank product to be recommended; the user group configuration rule engine is used for generating user group information corresponding to different mobile phone banking products according to the user group information corresponding to different mobile phone banking products and the pre-configured user group screening rule.
In the above embodiment, the history recommendation record of each mobile banking product corresponds to the user group information of different mobile banking products. The method comprises the steps that a rule engine can be configured based on a preset user group, and user group information corresponding to each mobile phone bank product to be recommended is generated for each mobile phone bank product; the user group configuration rule engine is used for generating user group information corresponding to different mobile phone banking products according to the user group information corresponding to different mobile phone banking products and the pre-configured user group screening rule.
The user group configuration rule engine is a component embedded in an application program, and realizes the separation of business decisions from application program codes and the writing of the business decisions by using a predefined semantic module. The method receives data input, explains business rules, makes business decisions according to the business rules, and can be used for generating user group information corresponding to different mobile phone banking products according to the user group information corresponding to different mobile phone banking products and preconfigured user group screening rules
In the embodiment, the user group information corresponding to the mobile banking product can be automatically generated for each mobile banking product to be recommended, the recommendation information can be sent in the subsequent steps, the recommendation information can be accurately sent to the user group information corresponding to the mobile banking product, and the recommendation of different mobile banking products can be synchronously realized without independently performing programming processing of a recommendation program for each mobile banking product.
In specific implementation, after user group information corresponding to each mobile phone bank product to be recommended is generated for each mobile phone bank product, user duplication removal processing and user screening processing are carried out on the user group information for each user group information to obtain processed user group information; the duplication elimination processing is used for eliminating the same users among different user group information; the user screening processing is used for determining users in the user group information, which are suitable for the mobile banking products corresponding to the user group information, according to the user characteristic information.
In an embodiment, the user characteristic information includes ages, professions, information acquisition channels and activity degrees corresponding to different users;
for each user group information, performing user screening processing on the user group information to obtain processed user group information, which may include:
aiming at each user group information, acquiring user characteristic information of each user in the user group information;
determining users in the user group information which are suitable for mobile banking products corresponding to the user group information according to the user characteristic information of each user;
and generating the processed user group information according to the determined users which are suitable for the mobile banking products corresponding to the user group information in the user group information.
In the above embodiment, the user screening process may be used to determine, according to the user characteristic information, a user in the user group information that is suitable for a mobile banking product corresponding to the user group information; through the user screening processing, users who are not suitable for the mobile phone bank product in the user group information can be removed, and accurate recommendation of the users in the user group information corresponding to the mobile phone bank product can be achieved. The user duplication elimination processing can be used for eliminating the same users among different user group information; through user duplicate removal processing, the same user in the user group information of different mobile banking products can be removed, frequent recommendation of the same user can be avoided, the problem that repeated marketing can be carried out on the same user due to independence among multiple sets of programs in the prior art is solved, and the use experience of the user is improved.
In specific implementation, after the user group information is subjected to user deduplication processing and user screening processing aiming at each user group information to obtain the processed user group information, the recommendation information of the mobile phone bank product corresponding to the user group information is sent to each user in the processed user group information aiming at each processed user group information.
In an embodiment, for each piece of processed user group information, sending, to each user in the processed user group information, recommendation information of a mobile banking product corresponding to the user group information, which may include:
and sending recommendation information of the mobile phone bank product corresponding to the user group information to each user in the processed user group information by means of notification of short messages, messages of the mobile phone bank client and/or messages of WeChat aiming at each processed user group information.
In the embodiment, the user group information provided by the service personnel is calculated by the rule engine through the notification mode of the short message, the message of the mobile banking client and/or the message of the WeChat, so that the user group information is sent to the relevant users in the modes of the short message, the APP message, the message of the WeChat and the like.
In specific implementation, the method for recommending a mobile banking product provided by the embodiment of the present invention may further include:
for each mobile phone bank product to be recommended, receiving feedback information of each user sending recommendation information to the mobile phone bank product;
and according to the feedback information of each mobile banking product to be recommended, carrying out user behavior analysis on the mobile banking product to obtain the evaluation result of the mobile banking product.
In the embodiment, the user behavior analysis can be performed on each mobile phone bank product to be recommended according to the feedback information of the mobile phone bank product to obtain the evaluation result of the mobile phone bank product, so that the data acquisition of the recommendation information of the mobile phone bank product is realized, the recommendation effect of the recommendation information of the mobile phone bank product can be further analyzed, the purpose of recommending the mobile phone bank product to potential, lost and weakly active mobile phone bank users is facilitated, and the purposes of enhancing the daily life of the mobile phone bank, the user stickiness and the like can be achieved.
In specific implementation, the method for recommending a mobile banking product provided by the embodiment of the present invention may further include:
aiming at each mobile phone bank product, generating an evaluation index of the mobile phone bank product according to the evaluation result of the mobile phone bank product; the mobile banking product evaluation index is used for guiding the recommendation behavior of subsequent mobile banking products.
In the embodiment, the collected user behavior data can be analyzed by generating the mobile banking product evaluation index, so that the recommendation behavior of the subsequent mobile banking product can be guided, and a decision basis is provided for the recommendation of the subsequent mobile banking product.
In specific implementation, the method for recommending a mobile banking product provided by the embodiment of the present invention may further include: and recording each user who sends the recommendation information and the recommendation information aiming at each mobile banking product to be recommended to generate a recording file.
In the embodiment, by generating the record file, the management personnel can be assisted to fetch and read the process at any time, and the vulnerability and the defect in the process can be found by the management personnel; meanwhile, the staff can also trace the data in the process by calling and reading the record file, the accuracy of the authenticity of the data is verified, and the accuracy of the process is improved.
A specific embodiment is given below to illustrate a specific application of the method of the present invention, and in this embodiment, the following steps may be included:
step 1: the business personnel can firstly obtain the original passenger group to be recommended (namely the user group information corresponding to the mobile banking product), and the method can comprise the following steps: potential customers, attrition users, weakly active users, etc.;
step 2: the original guest group to be recommended is used as input data of a rule engine, business personnel can select a certain processing rule, such as a de-duplication rule, a processing principle and the like, and the processing result is the guest group to be marketed (namely the processed user group information);
step 3: the customers to be marketed and the mobile banking products to be marketed (mobile banking goods and mobile banking activities); aiming at each processed user group information, sending recommendation information of mobile phone bank products corresponding to the user group information to each user in the processed user group information;
step 4: setting the time of reaching for sending the recommendation information of the mobile banking products corresponding to the user group information and the sending mode of sending the recommendation information of the mobile banking products corresponding to the user group information;
step 5: collecting feedback information of each user who has sent the recommendation information to the mobile banking product; according to the feedback information of each mobile phone bank product to be recommended, performing user behavior analysis on the mobile phone bank product to obtain an evaluation result of the mobile phone bank product, such as collecting behavior data of product purchase and activity of customer group users participating in the recommended mobile phone bank product;
step 6: analyzing the collected user behavior data, and generating mobile phone bank product evaluation indexes according to the evaluation result of each mobile phone bank product; the mobile banking product evaluation index is used for guiding the recommendation behavior of the subsequent mobile banking products, such as statistics generation of relevant recommendation indexes and generation of recommended evaluation reports, and provides decision basis for the recommendation of the subsequent mobile banking products.
Of course, it is understood that other variations of the above detailed flow can be made, and all such variations are intended to fall within the scope of the present invention.
The embodiment can realize multi-channel mobile banking product recommendation, reduce the mobile banking product recommendation cost, improve the reach rate, expand the mobile banking product recommendation range, and recommend mobile banking products, activities and the like based on a rule engine mode for potential customers, lost users, weak active users and other customers of the mobile banking so as to improve the daily lives, user stickiness and the like of the mobile banking.
In the embodiment of the invention, aiming at each mobile phone bank product to be recommended, user group information corresponding to the mobile phone bank product is generated; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value; aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the duplication elimination processing is used for eliminating the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information; aiming at each processed user group information, sending the recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information, therefore, the user group information corresponding to the mobile phone banking product can be automatically generated for each mobile phone banking product to be recommended, further sending the recommendation information, the recommendation information can be accurately sent to the user group information corresponding to the mobile banking products, the programming processing of a recommendation program for each mobile banking product is not needed, the recommendation of different mobile phone bank products can be synchronously realized, the problems of huge development workload of bank programs and complicated programs caused by independently programming each mobile phone bank product in the prior art are solved, the bank cost is saved, the timeliness of the recommendation of the mobile phone bank products is ensured, and the recommendation efficiency of banks to the mobile phone bank products is also improved; meanwhile, through user duplicate removal processing, the same users among different user group information can be removed, the problem that repeated marketing can be carried out on the same user due to independence among multiple programs in the prior art is also solved, and the use experience of the user is improved.
As described above, the embodiment of the invention can realize multi-channel mobile banking product recommendation, reduce the mobile banking product recommendation cost, improve the reach rate, expand the range of mobile banking product recommendation, and recommend mobile banking products, activities and the like based on the rule engine to potential customers, lost users, weak active users and other customers of the mobile banking, so as to improve the daily lives, user stickiness and the like of the mobile banking.
The embodiment of the invention also provides a recommendation device for mobile banking products, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the recommendation method of the mobile banking product, the implementation of the device can refer to the implementation of the recommendation method of the mobile banking product, and repeated parts are not repeated.
An embodiment of the present invention further provides a device for recommending a mobile banking product, which relates to the technical field of artificial intelligence, and is used to ensure timeliness of recommending a mobile banking product, improve recommendation efficiency of a mobile banking product, and improve user experience, as shown in fig. 2, the device may include:
the user group information generating module 01 is used for generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
the user group information processing module 02 is used for performing user duplicate removal processing and user screening processing on the user group information aiming at each user group information to obtain the processed user group information; the duplication elimination processing is used for eliminating the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
and the recommendation information sending module 03 is configured to send, to each user in the processed user group information, recommendation information of the mobile banking product corresponding to the user group information, for each piece of processed user group information.
In one embodiment, the user group information generating module is specifically configured to:
and aiming at each mobile phone bank product to be recommended, generating user group information corresponding to different mobile phone bank products according to the historical recommendation record of the mobile phone bank product.
In one embodiment, the user group information generating module is specifically configured to:
based on a preset user group configuration rule engine, generating user group information corresponding to each mobile phone bank product to be recommended; the user group configuration rule engine is used for generating user group information corresponding to different mobile phone banking products according to the user group information corresponding to different mobile phone banking products and the pre-configured user group screening rule.
In one embodiment, the user characteristic information includes ages, professions, information acquisition channels and activity degrees corresponding to different users;
the user group information processing module is specifically configured to:
aiming at each user group information, acquiring user characteristic information of each user in the user group information;
determining users in the user group information which are suitable for mobile banking products corresponding to the user group information according to the user characteristic information of each user;
and generating the processed user group information according to the determined users which are suitable for the mobile banking products corresponding to the user group information in the user group information.
In one embodiment, the recommendation information sending module is specifically configured to:
and sending recommendation information of the mobile phone bank product corresponding to the user group information to each user in the processed user group information by means of notification of short messages, messages of the mobile phone bank client and/or messages of WeChat aiming at each processed user group information.
In an embodiment, the device for recommending mobile banking products provided in the embodiment of the present invention, as shown in fig. 3, may further include:
the mobile banking product evaluation module 04 is configured to:
for each mobile phone bank product to be recommended, receiving feedback information of each user sending recommendation information to the mobile phone bank product;
and according to the feedback information of each mobile banking product to be recommended, carrying out user behavior analysis on the mobile banking product to obtain the evaluation result of the mobile banking product.
In an embodiment, as shown in fig. 4, the recommending apparatus for mobile banking products provided in the embodiment of the present invention may further include:
an evaluation index generation module 05, configured to:
aiming at each mobile phone bank product, generating an evaluation index of the mobile phone bank product according to the evaluation result of the mobile phone bank product; the mobile banking product evaluation index is used for guiding the recommendation behavior of subsequent mobile banking products.
In an embodiment, as shown in fig. 5, the recommending apparatus for mobile banking products provided in the embodiment of the present invention may further include:
a recording module 06 for:
and recording each user who sends the recommendation information and the recommendation information aiming at each mobile banking product to be recommended to generate a recording file.
A specific embodiment is given below to illustrate a specific application of the apparatus of the present invention, and in this embodiment, the following steps may be included:
1. a rule engine module (i.e., the user group information generation module): the module is mainly used for processing original customer group information (namely user group information corresponding to different mobile phone banking products) provided by business personnel, and is processed by a rule engine, so that the module is suitable for recommending relevant products and activities of mobile phone banking.
The user group configuration rule engine may include: and the original customer group reconfiguration rule engine, the activity reconfiguration rule engine and the secondary processing configuration rule engine are used for processing the age, occupation, channel acquisition, activity degree, original customer group score and the like of the user.
The user group configuration rule engine can be a common program code corresponding to different preset rules, can finish processing original customer group data mainly according to various configuration rule data, and the data processed by the engine can be directly used for recommending related products and activities of a mobile phone bank.
2. Marketing reach module: the module is mainly responsible for sending recommendation information of mobile phone bank products corresponding to the user group information to each user in the processed user group information by means of notification of short messages, messages of mobile phone bank clients and/or messages of WeChat, wherein the recommendation information is sent to the user in the user group information processed by the rule engine module, for example, the recommendation information is sent to the user in the user customer group information processed by the rule engine module;
3. evaluation module after marketing: the module is mainly responsible for receiving feedback information of each user who sends recommendation information and the mobile banking product aiming at each mobile banking product to be recommended; according to the feedback information of each mobile banking product to be recommended, carrying out user behavior analysis on the mobile banking product to obtain an evaluation result of the mobile banking product, for example, analyzing and counting relevant recommendation customers, participating in relevant recommendation activities, processing various recommendation indexes, and providing guidance for subsequent recommendation activities;
4. marketing data acquisition module: the module is mainly responsible for generating user group information corresponding to each mobile banking product to be recommended, such as collecting user behavior data of mobile banking products and activities participated by a user group, and providing data input for recommended evaluation.
Of course, it is understood that other variations of the above detailed flow can be made, and all such variations are intended to fall within the scope of the present invention.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be run on the processor, wherein the processor executes the computer program to realize the recommendation method of the mobile banking product.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the recommendation method of the mobile banking product.
In the embodiment of the invention, aiming at each mobile phone bank product to be recommended, user group information corresponding to the mobile phone bank product is generated; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value; aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information; aiming at each processed user group information, sending the recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information, therefore, the user group information corresponding to the mobile phone banking product can be automatically generated for each mobile phone banking product to be recommended, further sending the recommendation information, the recommendation information can be accurately sent to the user group information corresponding to the mobile banking products, the programming processing of a recommendation program for each mobile banking product is not needed, the recommendation of different mobile phone bank products can be synchronously realized, the problems of huge development workload of bank programs and complicated programs caused by independently programming each mobile phone bank product in the prior art are solved, the bank cost is saved, the timeliness of the recommendation of the mobile phone bank products is ensured, and the recommendation efficiency of banks to the mobile phone bank products is also improved; meanwhile, through user duplicate removal processing, the same users among different user group information can be removed, the problem that repeated marketing can be carried out on the same user due to independence among multiple programs in the prior art is also solved, and the use experience of the user is improved.
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.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (18)
1. A recommendation method for mobile banking products is characterized by comprising the following steps:
generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
aiming at each user group information, carrying out user duplicate removal processing and user screening processing on the user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
and aiming at each piece of processed user group information, sending recommendation information of the mobile phone banking products corresponding to the user group information to each user in the processed user group information.
2. The method as claimed in claim 1, wherein for each mobile banking product to be recommended, generating user group information corresponding to the mobile banking product comprises:
and aiming at each mobile phone bank product to be recommended, generating user group information corresponding to different mobile phone bank products according to the historical recommendation record of the mobile phone bank product.
3. The method as claimed in claim 1, wherein for each mobile banking product to be recommended, generating user group information corresponding to the mobile banking product comprises:
based on a preset user group configuration rule engine, generating user group information corresponding to each mobile phone bank product to be recommended; and the user group configuration rule engine is used for generating user group information corresponding to different mobile phone bank products according to the user group information corresponding to different mobile phone bank products and the pre-configured user group screening rule.
4. The method of claim 1, wherein the user characteristic information includes age, occupation, information acquisition channel, and activity level corresponding to different users;
aiming at each user group information, carrying out user screening processing on the user group information to obtain the processed user group information, wherein the processing comprises the following steps:
aiming at each user group information, acquiring user characteristic information of each user in the user group information;
determining users in the user group information which are suitable for mobile banking products corresponding to the user group information according to the user characteristic information of each user;
and generating the processed user group information according to the determined users which are suitable for the mobile banking products corresponding to the user group information in the user group information.
5. The method of claim 1, wherein for each piece of processed user group information, sending recommendation information of the mobile banking product corresponding to the user group information to each user in the processed user group information, comprises:
and sending recommendation information of the mobile phone bank product corresponding to the user group information to each user in the processed user group information by means of notification of short messages, messages of the mobile phone bank client and/or messages of WeChat aiming at each processed user group information.
6. The method of claim 1, further comprising:
for each mobile phone bank product to be recommended, receiving feedback information of each user sending recommendation information to the mobile phone bank product;
and according to the feedback information of each mobile banking product to be recommended, carrying out user behavior analysis on the mobile banking product to obtain the evaluation result of the mobile banking product.
7. The method of claim 6, further comprising:
aiming at each mobile phone bank product, generating an evaluation index of the mobile phone bank product according to the evaluation result of the mobile phone bank product; the mobile banking product evaluation index is used for guiding the recommendation behavior of the follow-up mobile banking product.
8. The method of claim 1, further comprising:
and recording each user who sends the recommendation information and the recommendation information aiming at each mobile banking product to be recommended to generate a recording file.
9. A recommendation device for mobile banking products is characterized by comprising:
the user group information generating module is used for generating user group information corresponding to each mobile phone bank product to be recommended; the mobile banking products comprise commodities and/or activities pushed out by a mobile banking; the user group information comprises group information of potential customers of the mobile phone bank, lost users and users with the activity lower than a preset value;
the user group information processing module is used for carrying out user duplicate removal processing and user screening processing on the user group information aiming at each user group information to obtain the processed user group information; the deduplication processing is used for removing the same users among different user group information; the user screening processing is used for determining users in user group information, which are suitable for mobile banking products corresponding to the user group information, according to the user characteristic information;
and the recommendation information sending module is used for sending the recommendation information of the mobile banking products corresponding to the user group information to each user in the processed user group information according to the processed user group information.
10. The apparatus of claim 9, wherein the user group information generating module is specifically configured to:
and aiming at each mobile phone bank product to be recommended, generating user group information corresponding to different mobile phone bank products according to the historical recommendation record of the mobile phone bank product.
11. The apparatus of claim 9, wherein the user group information generating module is specifically configured to:
based on a preset user group configuration rule engine, generating user group information corresponding to each mobile phone bank product to be recommended; and the user group configuration rule engine is used for generating user group information corresponding to different mobile phone bank products according to the user group information corresponding to different mobile phone bank products and the pre-configured user group screening rule.
12. The apparatus of claim 9, wherein the user characteristic information includes age, occupation, information acquisition channel, and activity level corresponding to different users;
the user group information processing module is specifically configured to:
aiming at each user group information, acquiring user characteristic information of each user in the user group information;
determining users in the user group information which are suitable for mobile banking products corresponding to the user group information according to the user characteristic information of each user;
and generating the processed user group information according to the determined users which are suitable for the mobile banking products corresponding to the user group information in the user group information.
13. The apparatus of claim 9, wherein the recommendation information sending module is specifically configured to:
and sending recommendation information of the mobile phone bank product corresponding to the user group information to each user in the processed user group information by means of notification of short messages, messages of the mobile phone bank client and/or messages of WeChat aiming at each processed user group information.
14. The apparatus of claim 9, further comprising:
the mobile banking product evaluation module is used for:
for each mobile phone bank product to be recommended, receiving feedback information of each user sending recommendation information to the mobile phone bank product;
and according to the feedback information of each mobile banking product to be recommended, carrying out user behavior analysis on the mobile banking product to obtain the evaluation result of the mobile banking product.
15. The apparatus of claim 14, further comprising:
an evaluation index generation module configured to:
aiming at each mobile phone bank product, generating an evaluation index of the mobile phone bank product according to the evaluation result of the mobile phone bank product; the mobile banking product evaluation index is used for guiding the recommendation behavior of the follow-up mobile banking product.
16. The apparatus of claim 9, further comprising:
a recording module to:
and recording each user who sends the recommendation information and the recommendation information aiming at each mobile banking product to be recommended to generate a recording file.
17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.
18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 8.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN113627653A (en) * | 2021-07-14 | 2021-11-09 | 深圳索信达数据技术有限公司 | Method and device for determining activity prediction strategy of mobile banking user |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113627653A (en) * | 2021-07-14 | 2021-11-09 | 深圳索信达数据技术有限公司 | Method and device for determining activity prediction strategy of mobile banking user |
| CN113627653B (en) * | 2021-07-14 | 2023-10-20 | 深圳索信达数据技术有限公司 | Method and device for determining activity prediction strategy of mobile banking user |
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