CN113706266A - Business recommendation method and system based on bank invoice data - Google Patents
Business recommendation method and system based on bank invoice data Download PDFInfo
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Abstract
The invention provides a business recommendation method and a business recommendation system based on bank invoice data, which relate to the technical field of data processing, and comprise the following steps: acquiring bank invoice data, and dividing the bank invoice data according to areas; analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics; and recommending the service to the customers in the area according to the product recommendation model. The invention can analyze the bank invoice data, recommend products suitable for customers to the customers, improve the customer experience, improve the service efficiency and quality, better mine potential customers, expand banking business and bring more benefits.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a business recommendation method and system based on bank invoice data.
Background
Aiming at different areas where banks are located, customers can conduct transactions such as financing, precious metals, commemorative coins and the like through channels such as telephone banks, mobile phone banks, micro-banks, internet banking and network points, but the customers cannot acquire required information in time because pushing of various services of the banks has no pertinence, can miss products of self-mind instruments and lose part of customer resources.
In summary, a technical solution capable of overcoming the above-mentioned drawbacks and pushing banking services with pertinence is needed to improve user experience.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a business recommendation method and system based on bank invoice data. The invention can analyze the customers and the bank promotion business in a specific area to form a model, and make timely and effective intelligent recommendation for promoting the bank business.
In a first aspect of an embodiment of the present invention, a method for recommending a service based on bank invoice data is provided, where the method includes:
acquiring bank invoice data, and dividing the bank invoice data according to areas;
analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
and recommending the service to the customers in the area according to the product recommendation model.
Further, acquiring bank invoice data, and dividing the bank invoice data according to areas includes:
acquiring business data when a customer transacts through a business channel or a business system of a bank; the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
Further, analyzing the bank invoice data of each region to obtain regional service characteristics, and establishing a product recommendation model of each region according to the regional service characteristics, wherein the product recommendation model comprises the following steps:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
Further, recommending the service to the clients in the area according to the product recommendation model includes:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
Further, recommending the service to the clients in the area according to the product recommendation model includes:
and recommending the first service to the first customer and recommending the second service to the second customer by using the 5G and cloud services of each region.
In a second aspect of the embodiments of the present invention, a business recommendation system based on bank invoice data is provided, where the system includes:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring bank invoice data and dividing the bank invoice data according to areas;
the analysis module is used for analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
and the recommending module is used for recommending the first service to a first client in the area according to the product recommending model and recommending the second service to a second client according to the client information of the second client in the area.
Further, the obtaining module is specifically configured to:
acquiring business data when a customer transacts through a business channel or a business system of a bank; the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
Further, the analysis module is specifically configured to:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
Further, the recommendation module is specifically configured to:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
Further, the recommendation module is specifically configured to:
and recommending the first service to the first customer and recommending the second service to the second customer by using the 5G and cloud services of each region.
In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored on the memory and executable on the processor, and when the processor executes the computer program, the processor implements a service recommendation method based on bank invoice data.
In a fourth aspect of the embodiments of the present invention, a computer-readable storage medium is provided, which stores a computer program, and when the computer program is executed by a processor, the computer program implements a business recommendation method based on bank invoice data.
The business recommendation method and system based on bank invoice data can analyze the bank invoice data, recommend products suitable for customers to the customers, improve customer experience, improve service efficiency and quality, better mine potential customers, expand banking business and bring more benefits.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flow chart of a business recommendation method based on bank invoice data according to an embodiment of the present invention.
FIG. 2 is a flow chart illustrating an embodiment of the present invention.
Fig. 3 is a schematic diagram of a content recommendation based concept.
FIG. 4 is a schematic diagram of a user-based collaborative filtering recommendation.
FIG. 5 is a schematic diagram of a concept of item-based collaborative filtering recommendation.
Fig. 6 is a schematic diagram of a business recommendation system architecture based on bank invoice data according to an embodiment of the present invention.
Fig. 7 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a business recommendation method and system based on bank invoice data are provided, and the technical field of data processing is involved.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flow chart of a business recommendation method based on bank invoice data according to an embodiment of the present invention. As shown in fig. 1, the method includes:
s101, acquiring bank invoice data, and dividing the bank invoice data according to areas;
s102, analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
s103, recommending the service to the clients in the area according to the product recommendation model.
In order to explain the above-mentioned business recommendation method based on bank invoice data more clearly, the following detailed description is made in conjunction with each step.
In S101, acquiring bank invoice data, and dividing the bank invoice data according to regions includes the specific processes:
acquiring business data when a customer transacts through a business channel or a business system of a bank;
the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
In S102, the bank invoice data of each region is analyzed to obtain regional business features, and a specific process of establishing a product recommendation model of each region according to the regional business features includes:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
In S103, recommending a service to a customer in an area according to the product recommendation model, including:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
The process which can be recommended can be directly recommended to the client or recommended to the service personnel in the area, and the process is pushed to the client after the service personnel manually adjust or select the process.
Further, the first service can be recommended to the first customer and the second service can be recommended to the second customer by using the 5G and cloud services of each area.
The service of each area can be timely and timely recommended through cloud service and 5G. By utilizing the 5G technology, the data transmission processing capacity with high speed, low time delay and large data volume can be realized, so that the timely and timely recommendation capacity is realized.
The bank invoice data of the invention is from transaction data sets of various regions, various channels and various systems, not only contains behavior information of customers, but also contains business data information, and through effective data analysis and modeling on the data and 5G technology with high speed, low time delay and large capacity, the intelligent service/product recommendation can be made for the customers and business personnel timely and effectively, and the service efficiency and quality of the customers are improved.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
For a clearer explanation of the above-mentioned business recommendation method based on bank invoice data, a specific embodiment is described below, however, it should be noted that the embodiment is only for better explaining the present invention and should not be construed as an undue limitation to the present invention.
Fig. 2 is a schematic flow chart according to an embodiment of the present invention. As shown in fig. 2, the specific process is as follows:
s201, collecting source channel data:
banking business generally develops different businesses according to regional difference trends, transactions are conducted through various modes of banking business channels (telephone banks, mobile phone banks, micro banks, internet banking, network points and the like), business systems (precious metals, insurance, life payment and the like) and the like, and generated bank invoice data are recorded and uniformly transmitted to an invoice system for unified processing.
S202, recording bank invoice data:
the invoice system can record and store the invoice transaction data of the client in a detailed subarea mode.
S203, recommending algorithm modeling:
based on the bank invoice data from each area, channel and business system, analyzing information such as customer portrait, business attribute and the like of each area, and establishing a product recommendation model suitable for each area by analyzing and modeling according to local conditions based on a content recommendation and collaborative filtering recommendation algorithm.
1. The content-based recommendation is to discover the relevance of the services according to the metadata of the recommended services, and recommend similar services to the customers based on the historical transaction records of the customer services.
As shown in fig. 3, firstly, a model needs to be created for metadata of a service, where the metadata is service attribute information, such as service type and service content; the similarity between the services is found through the metadata of the services, because the types are 'noble metal transaction', the service A and the service C are considered to be similar services; the specific service content can also be used as a basis for judging similarity, and is only an exemplary illustration here. Finally, the recommendation is realized, and as for the user A, the user A frequently transacts the service A, and then the system can recommend a similar service C to the user A.
The content-based recommendation mechanism has the advantages that the user preference can be well modeled, and more accurate recommendation can be provided.
2. The recommendation based on collaborative filtering is to find the relevance of the service according to the preference of the user for the service, or to find the relevance of the user, and then to recommend based on the relevance. Collaborative filtering based recommendations can be divided into three sub-categories: user-based recommendations, Item-based recommendations, and Model-based recommendations. In the following, we describe three recommendation mechanisms of collaborative filtering in a detailed way.
2.1, the principle of collaborative filtering recommendation based on users is that according to the preference of all users to services, a 'neighbor' user group similar to the current user preference is found, and a 'K-neighbor' calculation algorithm is adopted in general application; then, recommendation is carried out for the current user based on the historical preference information of the K neighbors.
Referring to FIG. 4, a schematic diagram of a user-based collaborative filtering recommendation is shown. As shown in fig. 4, assume that user a often transacts service a, service C; the user B often transacts the service B; the user C often handles the service A, the service C and the service D; from these historical preference information of the users, it can be found that the preferences of the user a and the user C are relatively similar, and the user C often transacts the service D, so it can be inferred that the user a may need to transact the service D, and thus the service D can be recommended to the user a.
The user-based collaborative filtering recommendation mechanism and the demographic-based recommendation mechanism both calculate the similarity of users and calculate recommendations based on a "neighbor" user group, but they differ in how the similarity of users is calculated, the demographic-based mechanism only considers the characteristics of users themselves, while the user-based collaborative filtering mechanism may calculate the similarity of users on the data of their historical preferences, with the basic assumption that users who often handle similar services may have the same or similar preferences.
2.2, the principle of project-based collaborative filtering recommendation is similar to that of user-based collaborative filtering recommendation, and the method uses the preference of all users to the service, finds the similarity between the service and the service, and then recommends the similar service to the user according to the historical preference information of the user.
Referring to FIG. 5, a schematic diagram of a collaborative filtering recommendation based on an item is shown. As shown in fig. 5, it is assumed that a user a often handles a service a and a service C, a user B often handles a service a, a service B, and a service C, and a user C often handles a service a, and it can be analyzed from historical preferences of these users that the service a and the service C are relatively similar, and all people who often handle the service a often handle the service C, and it can be inferred based on this data that the user C is likely to also handle the service C, so the system recommends the service C to the user C.
The project-based collaborative filtering recommendation and the content-based recommendation are actually prediction recommendations based on business similarity, but the similarity calculation method is different, the former is inferred from the historical preference of a user, and the latter is based on the attribute characteristic information of the business.
And 2.3, the collaborative filtering recommendation based on the model is based on the user preference information of the sample, a recommendation model is trained, and then prediction is carried out according to the real-time user preference information to calculate recommendation.
S204, 5G/cloud service:
through the established product recommendation model, the service of each region can be timely and timely recommended through cloud service and 5G, and the 5G technology can be used for realizing the data transmission processing capacity with high speed, low time delay and large data volume, so that the timely and timely recommendation capacity is realized.
The region division may be by city, e.g., Beijing, Tianjin, Shanghai, etc.
S205, recommending service:
each channel service system can synchronize the service information of the channel service system to the product recommendation model, and obtain which services are suitable for being recommended to which customers and recommended to the customers in the corresponding area through the channel.
Having described the method of an exemplary embodiment of the present invention, a business recommendation system based on bank invoice data of an exemplary embodiment of the present invention will be described next with reference to fig. 6.
The implementation of the business recommendation system based on the bank invoice data can refer to the implementation of the method, and repeated details are omitted. The term "module" or "unit" used hereinafter may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Based on the same inventive concept, the invention also provides a business recommendation system based on bank invoice data, as shown in fig. 6, the system comprises:
the acquiring module 610 is configured to acquire bank invoice data and divide the bank invoice data according to regions;
the analysis module 620 is used for analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
and the recommending module 630 is configured to recommend the first service to a first customer in the area according to the product recommendation model, and recommend the second service to a second customer according to customer information of the second customer in the area.
In this embodiment, the obtaining module 610 is specifically configured to:
acquiring business data when a customer transacts through a business channel or a business system of a bank; the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
In this embodiment, the analysis module 620 is specifically configured to:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
In this embodiment, the recommending module 630 is specifically configured to:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
In this embodiment, the recommending module 630 is specifically configured to:
and recommending the first service to the first customer and recommending the second service to the second customer by using the 5G and cloud services of each region.
It should be noted that although several modules of the business recommendation system based on bank invoice data are mentioned in the above detailed description, such partitioning is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Based on the aforementioned inventive concept, as shown in fig. 7, the present invention further provides a computer device 700, which includes a memory 710, a processor 720, and a computer program 730 stored on the memory 710 and operable on the processor 720, wherein the processor 720 implements the aforementioned business recommendation method based on bank invoice data when executing the computer program 730.
Based on the foregoing inventive concept, the present invention provides a computer-readable storage medium storing a computer program, which when executed by a processor implements the foregoing method for recommending a service based on bank invoice data.
The business recommendation method and system based on bank invoice data can analyze the bank invoice data, recommend products suitable for customers to the customers, improve customer experience, improve service efficiency and quality, better mine potential customers, expand banking business and bring more benefits.
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 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.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (12)
1. A business recommendation method based on bank invoice data is characterized by comprising the following steps:
acquiring bank invoice data, and dividing the bank invoice data according to areas;
analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
and recommending the service to the customers in the area according to the product recommendation model.
2. The business recommendation method based on bank invoice data as claimed in claim 1, wherein the step of obtaining bank invoice data and dividing the bank invoice data according to regions comprises the steps of:
acquiring business data when a customer transacts through a business channel or a business system of a bank; the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
3. The business recommendation method based on bank invoice data as claimed in claim 1, wherein the bank invoice data of each region is analyzed to obtain region business features, and a product recommendation model of each region is established according to the region business features, comprising:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
4. The business recommendation method based on bank invoice data as claimed in claim 1, wherein the business recommendation to the customers in the area according to the product recommendation model comprises:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
5. The business recommendation method based on bank invoice data as claimed in claim 4, wherein the business recommendation to the customers in the area according to the product recommendation model comprises:
and recommending the first service to the first customer and recommending the second service to the second customer by using the 5G and cloud services of each region.
6. A system for recommending business based on bank invoice data, the system comprising:
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring bank invoice data and dividing the bank invoice data according to areas;
the analysis module is used for analyzing the bank invoice data of each area to obtain area service characteristics, and establishing a product recommendation model of each area according to the area service characteristics;
and the recommending module is used for recommending the first service to a first client in the area according to the product recommending model and recommending the second service to a second client according to the client information of the second client in the area.
7. The bank invoice data-based business recommendation system of claim 6, wherein the acquisition module is specifically configured to:
acquiring business data when a customer transacts through a business channel or a business system of a bank; the business channel at least comprises a telephone bank, a mobile phone bank, a micro-bank, an internet bank and a bank outlet; the service system at least comprises: the system comprises a precious metal transaction system, an insurance transaction system and a life payment system;
and generating bank invoice data according to the business data.
8. The bank invoice data-based business recommendation system of claim 6, wherein the analysis module is specifically configured to:
analyzing the bank invoice data of each area to obtain the customer portrait and the business attribute information of each area;
and (3) taking the customer portrait and the service attribute information of each area as input samples, analyzing the relationships among services, between customers and between services based on content recommendation and collaborative filtering recommendation algorithms, and establishing a product recommendation model.
9. The bank invoice data-based business recommendation system of claim 6, wherein the recommendation module is specifically configured to:
acquiring information of a first service in an area, inputting the information of the first service into a product recommendation model of a corresponding area to obtain a first client, and recommending the first service to the first client;
and obtaining information of a second customer in the area, inputting the information of the second customer into the product recommendation model of the corresponding area to obtain a second service, and recommending the second service to the second customer.
10. The bank invoice data-based business recommendation system of claim 9, wherein the recommendation module is specifically configured to:
and recommending the first service to the first customer and recommending the second service to the second customer by using the 5G and cloud services of each region.
11. 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 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
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