CN116501434A - Mobile phone banking theme automatic switching method and system based on decision tree - Google Patents
Mobile phone banking theme automatic switching method and system based on decision tree Download PDFInfo
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Abstract
The invention discloses a mobile banking theme automatic switching method and system based on a decision tree, and belongs to the technical field of financial industry data processing. The method comprises the following steps: parameter management is carried out on control parameters required by automatic switching of mobile banking themes through a server side; the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and parameter maintenance person; parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management; and establishing an automatic mobile banking theme switching model based on sample data through a theme modeling system at the server side, wherein the automatic mobile banking theme switching model is sent to the client side to perform mobile banking theme judgment and then perform automatic mobile banking theme switching. The invention can automatically select the adaptive version based on the information such as region information, equipment information, customer age and the like, and control and realize the automatic switching of the personalized interface and version functions of the mobile banking client.
Description
Technical Field
The invention relates to the technical field of financial industry data processing, in particular to a mobile banking theme automatic switching method and system based on a decision tree.
Background
At present, a mobile phone bank APP is adapted to specific versions according to different guest groups, and the usability of a system is improved and the viscosity of a client is improved by displaying specific fonts, languages, UI skins, marketing activities and the like. The mobile banking client can adapt to different guest groups and display specific versions, but at present, mobile banking APP version switching is mainly performed through manual selection switching or based on single-dimension recommendation, recommendation accuracy is poor, switching is not intelligent, inconvenience is caused to users, customer experience is reduced, and accordingly the use frequency of corresponding APP and corresponding banking business are affected.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides the technical scheme that the mobile phone bank theme automatic switching method and system based on the decision tree performs advanced training based on the information of the customer identity, the behavior, the implementation and the like acquired in advance by the bank, thereby realizing the automatic switching of the mobile phone bank theme, improving the switching speed and adapting to the accuracy degree of the customer.
The invention provides a mobile banking theme automatic switching method based on a decision tree, which is applied to a server and comprises the following steps:
s1, parameter management is carried out on control parameters required by automatic switching of mobile banking themes through a server side; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
s2, establishing a mobile phone bank theme automatic switching model based on sample data through a theme modeling system at a server side, wherein the mobile phone bank theme automatic switching model is sent to a client side to carry out mobile phone bank theme judgment and then carry out mobile phone bank theme automatic switching.
Preferably, the S2 includes:
s21, collecting sample data in a client information system, wherein the sample data comprises basic information data and client equipment information when a client opens an account; wherein the basic information data of the customer when opening an account comprises household registration information, address information and age information; the client device information comprises common IP and device GPS information;
s22, analyzing the sample data so as to construct a customer classification model;
s23, establishing an automatic mobile banking theme switching model based on the client classification model.
Preferably, the analyzing the sample data includes:
s221, primarily classifying the sample data based on a first criterion, and dividing the sample data into a positive example P and a negative example N respectively;
s222, preprocessing sample data, wherein the preprocessing comprises the following steps:
(1) Taking household registration information, address information, common IP and equipment GPS information as four attributes, and performing generalization processing according to the correlation and the total degree of importance among the four attributes, so that the household registration information, the address information, the common IP and the equipment GPS information are converted into territory-related low dimensionality;
(2) Discretizing the age information, wherein the specific steps are as follows:
defining Max and Min variables, and assigning the minimum value of age information to be discretized to Min; assigning a maximum value of the age information to Max;
dividing the interval [ Min, max ] into M break points, and respectively calculating the classification accuracy of preliminary classification based on a first criterion under the interval value of [ Min, mi ] and [ Mi, max ], wherein i=l, 2, …, M-1, wherein the classification accuracy is calculated based on the following formula:
classification accuracy= (number of positive cases actually and divided into positive cases by classifier+number of negative cases actually and divided into negative cases by classifier)/total number of samples;
and comparing the values of the classification accuracy rates of the M break points, and determining the break point corresponding to the maximum classification accuracy rate as a conditional separation point.
(3) Establishing a decision tree based on an ID3 algorithm (a greedy algorithm) for the preprocessed sample data, comprising:
A. calculating information entropy I (P, N) = -P1 log of samples according to positive example P and negative example N according to sample data which is primarily classified based on first criteria 2 P1-P2log 2 P2; wherein:
P1=P/(P+N)；P2=N/(P+N)；
B. calculating conditional entropy when the classification attribute is household registration information, address information, common IP, equipment GPS information and age information respectively; when the classification attribute is age information, respectively selecting an age > condition separation point and an age < condition separation point in the step S4 as two judgment dimensions; the calculation method of the conditional entropy;
C. calculating information Gain (household information), gain (address information) and Gain (age) of household information, address information and age information respectively; wherein:
information gain= (information entropy-conditional entropy of corresponding classification attribute)/number of dimensions of classification attribute;
D. taking the classification attribute with the maximum information gain value as the root node of the decision tree, and taking the dimension in the classification attribute as the judgment condition of the leaf node;
E. dividing sample data into a plurality of subsets according to the dimensions of the leaf nodes, and determining attribute values selected by the leaf nodes corresponding to each subset;
F. and E, repeating the step E for each leaf node, and confirming the leaf nodes of the next stage of the leaf nodes of each stage step by step.
The second aspect of the present invention provides a mobile banking theme automatic switching system based on decision tree, which is disposed at a server, and includes:
the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management; and
the system comprises a theme modeling system, a mobile phone banking theme automatic switching module and a mobile phone banking theme automatic switching module, wherein the theme modeling system is used for establishing a mobile phone banking theme automatic switching model based on sample data, and the mobile phone banking theme automatic switching model is sent to a client to perform mobile phone banking theme judgment and then perform mobile phone banking theme automatic switching; the topic modeling system is deployed at a back-end server side.
The third aspect of the present invention provides a decision tree-based mobile banking theme automatic switching method, applied to a client, comprising:
s1', acquiring an automatic mobile banking theme switching model through a client;
s2', after the client is confirmed to log in, login information is obtained, confidence judgment is carried out, and a confidence judgment result is obtained and sent; wherein the login information comprises household registration information, address information, login equipment information IP and login equipment GPS information; the confidence level determination is used to determine whether the customer is an audience for the current financial institution;
s3', inquiring and acquiring mobile phone bank theme version information corresponding to login information determined based on the mobile phone bank theme automatic switching model by the client based on the situation that the confidence coefficient judgment result is yes;
s4', the client acquires the version information of the current bank theme and judges whether the version information of the mobile phone bank theme corresponding to the login information is consistent with the version information of the current bank theme; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
The fourth aspect of the present invention provides a mobile banking theme auto-switching system based on decision tree, which is disposed at a client, and includes:
the theme judging module is used for acquiring an automatic theme switching model of the mobile phone bank; after confirming that the client logs in, acquiring login information, judging the confidence coefficient, acquiring a confidence coefficient judgment result and sending the confidence coefficient judgment result;
the interface control module is used for inquiring and acquiring mobile phone bank theme version information corresponding to login information determined based on the mobile phone bank theme automatic switching model under the condition that the confidence coefficient judgment result is yes; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
The fifth aspect of the present invention provides a method for automatically switching mobile banking topics based on decision tree, comprising:
carrying out parameter management on control parameters required by automatic theme switching of a mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
establishing an automatic mobile banking theme switching model based on sample data, wherein the automatic mobile banking theme switching model is used for automatically switching mobile banking themes;
acquiring an automatic mobile banking theme switching model;
inquiring and acquiring mobile banking theme version information corresponding to login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
The sixth aspect of the present invention provides a decision tree-based mobile banking theme automatic switching system, comprising:
the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
the system comprises a theme modeling system, a mobile banking theme automatic switching model and a theme control system, wherein the theme modeling system is used for establishing a mobile banking theme automatic switching model based on sample data, and the mobile banking theme automatic switching model is used for automatically switching mobile banking themes;
the theme judging module is used for acquiring the mobile banking theme automatic switching model;
the interface control module is used for inquiring and acquiring mobile banking theme version information corresponding to the login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
A seventh aspect of the present invention provides an electronic device comprising a processor and a memory, the memory storing a plurality of instructions, the processor being configured to read the instructions and perform the automatic switching method of the first, third or fifth aspects.
An eighth aspect of the present invention provides a computer-readable storage medium storing a plurality of instructions readable by a processor and performing the automatic switching method according to the first aspect, the third aspect or the fifth aspect.
The mobile banking theme automatic switching method and system based on the decision tree provided by the invention have the following beneficial effects: based on the information of customer identity, behavior, implementation acquisition position and the like acquired in advance by a bank, the automatic switching of mobile phone bank themes is realized, and the switching speed and the accuracy degree of the adaptive customers are improved.
Drawings
FIG. 1 is a flowchart of a mobile banking theme auto-switching method based on decision tree applied to a server side;
FIG. 2 is a flowchart of the mobile banking theme automatic switching method based on decision tree applied to the client side;
FIG. 3 is a flowchart of a mobile banking theme auto-switching method based on decision tree according to the present invention;
FIG. 4 is a schematic diagram of a system for automatically switching mobile banking topics based on decision trees according to the present invention;
fig. 5 is a schematic structural diagram of an embodiment of an electronic device according to the present invention.
Detailed Description
In order to better understand the above technical solutions, the following detailed description will be given with reference to the accompanying drawings and specific embodiments.
The method provided by the invention can be implemented in a terminal environment, and the terminal can comprise one or more of the following components: processor, memory and display screen. Wherein the memory stores at least one instruction that is loaded and executed by the processor to implement the method described in the embodiments below.
The processor may include one or more processing cores. The processor connects various parts within the overall terminal using various interfaces and lines, performs various functions of the terminal and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory, and invoking data stored in the memory.
The Memory may include random access Memory (Random Access Memory, RAM) or Read-Only Memory (ROM). The memory may be used to store instructions, programs, code, sets of codes, or instructions.
The display screen is used for displaying a user interface of each application program.
In addition, it will be appreciated by those skilled in the art that the structure of the terminal described above is not limiting and that the terminal may include more or fewer components, or may combine certain components, or a different arrangement of components. For example, the terminal further includes components such as a radio frequency circuit, an input unit, a sensor, an audio circuit, a power supply, and the like, which are not described herein.
Example 1
As shown in fig. 1, this embodiment provides a mobile banking theme automatic switching method based on decision tree, which is applied to a server side and includes: s1, parameter management is carried out on control parameters required by automatic switching of mobile banking themes through a server side; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management.
As a preferred embodiment, the implementation of S1 specifically includes: and the banking personnel inquire, modify, maintain and approve the control parameters related to the version switching through the interface control system, and carry out backup management on the historical version of the control parameters. After the interface parameter control system finishes maintenance, banking staff submits auditing staff to audit. And if the verification is passed, the interface control system records the history record, the information of the approver and the approval opinion.
Wherein the control parameters comprise resident area information, interface version, parameter effective time, parameter maintainer and the like. For example, in this embodiment, under the condition that the national celebration version needs to be switched, the area information is divided into two confidence intervals, namely a Z area and a non-Z area; the parameter effective time parameter is a closed interval: 2022/10/01-2022/10/7 (effective time 2022/10/01); the interface version Z region corresponds to the "Hakka version", "Hakka national celebration version", and the non-Z region corresponds to the "standard version", "national celebration version". The parameter validity time indicates the period of time that the parameter is valid.
S2, a mobile phone bank theme automatic switching model is established based on sample data through a theme modeling system of the server side, and the mobile phone bank theme automatic switching model is used for sending the mobile phone bank theme automatic switching model to the client side to carry out mobile phone bank theme judgment and then carrying out mobile phone bank theme automatic switching. In this embodiment, the theme modeling system is disposed at the back-end server, and is configured to train the mobile banking theme automatic switching model, optimize the theme identification effect and speed, and push the trained mobile banking theme automatic switching model to the theme determination module of the client (i.e. mobile APP).
As a preferred embodiment, the S2 includes: s21, collecting sample data in a client information system, wherein the sample data comprises basic information data and client equipment information when a client opens an account; wherein the basic information data of the customer when opening an account comprises household registration information, address information and age information; the client device information comprises common IP and device GPS information; s22, analyzing the sample data so as to construct a customer classification model; in this embodiment, the customer classification model includes user features that reside in the Z-zone, are familiar with the local feature architecture of the Z-zone, and will use the language Z-zone language.
Wherein analyzing the sample data comprises: s221, primarily classifying the sample data based on a first criterion, and dividing the sample data into a positive example P and a negative example N respectively; in this embodiment, the first criterion includes: the local clients in Z region, which are divided into one class by client manager face core, are defined as positive examples P, and the clients which are opened in other online channels outside are defined as negative examples N. S222, preprocessing the sample data.
The pretreatment comprises the following steps: (1) The household registration information, the address information, the common IP and the equipment GPS information data are used as four attributes, and generalization processing is carried out according to the correlation and the total degree of importance among the four attributes, so that the household registration information, the address information, the common IP and the equipment GPS information are converted into territory-related low dimensionality so as to reduce the information complexity and improve the modeling speed.
(2) Discretizing the age information. This is because the age information is a continuous value, and the ID3 algorithm only supports discrete data at the time of modeling, and therefore, it is necessary to discretize the age information. The discretizing the age information comprises the following steps: the age data is replaced by the original information gain by using a classification accuracy method, so that the application range of an ID3 algorithm is expanded, and the calculation is simplified.
The method comprises the following specific steps: defining Max and Min variables, and assigning the minimum value of continuous attributes (namely age information) to be discretized to Min; assigning Max to the maximum value of the continuous attribute (i.e., age information); dividing the interval [ Min, max ] into M break points, and respectively calculating classification accuracy of preliminary classification based on a first criterion under the interval value by using [ Min, mi ] and [ Mi, max ], (i=l, 2, …, M-1), wherein the classification accuracy is calculated based on the following formula: classification accuracy= (number of positive cases actually and divided into positive cases by classifier+number of negative cases actually and divided into negative cases by classifier)/total number of samples; and comparing the values of the classification accuracy rates of the M break points, and determining the break point corresponding to the maximum classification accuracy rate as a conditional separation point.
(3) Establishing a decision tree for the preprocessed sample data based on an ID3 algorithm, comprising:
A. firstly, calculating information entropy I (P, N) = -P1 log of samples according to positive examples P and negative examples N according to sample data which are primarily classified based on a first criterion 2 P1-P2log 2 P2; wherein: p1=p/(p+n); p2=n/(p+n).
B. Calculating conditional entropy when the classification attribute is household registration information, address information, common IP, equipment GPS information and age information respectively; when the classification attribute is age information, respectively selecting an age > condition separation point and an age < condition separation point as two judgment dimensions; the calculation method of the conditional entropy takes age information as an example: age = number of interval samples/total number of samples I (age > condition separation point) +number of interval samples/total number of samples I (age < condition separation point).
C. Calculating information Gain (household information), gain (address information) and Gain (age) of household information, address information and age information respectively; wherein: information gain= (information entropy-conditional entropy of corresponding classification attribute)/number of dimensions of classification attribute.
D. And taking the classification attribute with the maximum information gain value as the root node of the decision tree, and taking the dimension in the classification attribute as the judgment condition of the leaf node.
E. And dividing the sample data into a plurality of subsets according to the dimension of the leaf nodes, and determining the attribute value selected by the leaf node corresponding to each subset.
F. And E, repeating the step E for each leaf node, and confirming the leaf nodes of the next stage of the leaf nodes of each stage step by step. In this embodiment, since the number of selected attributes is 5, the height of the decision tree does not exceed 5.
And S23, establishing an automatic mobile banking theme switching model based on the client classification model.
Example two
The embodiment provides a mobile banking theme automatic switching system based on decision tree, which is arranged at a server side and comprises: the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management; the system comprises a theme modeling system, a mobile phone banking theme automatic switching module and a client, wherein the theme modeling system is used for establishing a mobile phone banking theme automatic switching model based on sample data, and the mobile phone banking theme automatic switching model is sent to the client to perform mobile phone banking theme judgment and then perform mobile phone banking theme automatic switching; the topic modeling system is deployed at a back-end server side.
Example III
Referring to fig. 2, the embodiment provides a mobile banking theme automatic switching method based on decision tree, which is applied to a client and includes: s1', acquiring an automatic mobile banking theme switching model through a client; in this embodiment, the theme determining module of the client accesses the theme modeling system at regular time to obtain the mobile banking theme automatic switching model; the timing access aims at ensuring that the model can be obtained after the established mobile banking theme automatic switching model is changed or optimized due to customer information or other reasons. S2', after the client is confirmed to log in, login information is obtained, confidence judgment is carried out, and a confidence judgment result is obtained and sent; wherein the login information comprises household registration information, address information, login equipment information IP and equipment GPS information; the confidence determination is used to determine whether the customer is an audience for the current financial institution. In this embodiment, after a client logs in through a client (in this embodiment, through a mobile banking APP), the theme determination module obtains login information of the client: the system comprises household registration information, address information, login equipment information IP and equipment GPS information, judges the confidence degree, judges whether a client is a passenger audience or not, and transmits the judging result to an interface control module. And S3', inquiring and acquiring mobile phone bank theme version information (returned by the server) corresponding to the login information determined based on the mobile phone bank theme automatic switching model by the client under the condition that the confidence coefficient judgment result is yes.
In this embodiment, after receiving the confidence coefficient judgment result, the interface control module sends a query request to the interface parameter control system at the server, and if the query confidence coefficient judgment result is yes, the interface control module logs in the bank theme version information corresponding to the information. Such as: the inquiry time is 10 months and 1 day in 2020, and the region is Z region. And determining and collocating the information of the resident area and the time interval index in the parameters to obtain the version as the 'Hakka national celebration version'. If the interface control module fails to acquire the effective parameters after matching the parameter list, the default is "standard edition". And the interface parameter control system returns the query result to the interface control module.
S4', the client acquires the current bank theme version information and judges whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
Example IV
The embodiment provides a mobile banking theme automatic switching system based on decision tree, which is arranged at a client and comprises: the theme judging module is used for acquiring an automatic theme switching model of the mobile phone bank; after confirming that the client logs in, acquiring login information, judging the confidence coefficient, acquiring a confidence coefficient judgment result and sending the confidence coefficient judgment result; the interface control module is used for inquiring and acquiring mobile phone bank theme version information corresponding to login information determined based on the mobile phone bank theme automatic switching model under the condition that the confidence coefficient judgment result is yes; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
In this embodiment, the interface control system is also a back-end server, and is responsible for maintaining the judgment parameters, recording the change information of the parameters, maintaining the record and other information, and pushing the parameters to the interface control module in the self-service terminal. The mobile phone end theme judging module and the interface control module. And the theme judging module judges according to the client information, and the interface control module is responsible for switching theme interfaces of the mobile phone bank.
Example five
Referring to fig. 3, the embodiment provides a mobile banking theme automatic switching method based on decision tree, which includes: carrying out parameter management on control parameters required by automatic theme switching of a mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management; establishing an automatic mobile banking theme switching model based on sample data, wherein the automatic mobile banking theme switching model is used for automatically switching mobile banking themes; acquiring an automatic mobile banking theme switching model; inquiring and acquiring mobile banking theme version information corresponding to login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
Example six
Referring to fig. 4, the embodiment provides a mobile banking theme automatic switching system based on decision tree, including: the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management; the system comprises a theme modeling system, a mobile banking theme automatic switching model and a theme control system, wherein the theme modeling system is used for establishing a mobile banking theme automatic switching model based on sample data, and the mobile banking theme automatic switching model is used for automatically switching mobile banking themes; the theme judging module is used for acquiring the mobile banking theme automatic switching model; the interface control module is used for inquiring and acquiring mobile banking theme version information corresponding to the login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
The invention also provides a memory storing a plurality of instructions for implementing the method according to the first embodiment.
As shown in fig. 5, the present invention further provides an electronic device, including a processor 301 and a memory 302 connected to the processor 301, where the memory 302 stores a plurality of instructions, and the instructions may be loaded and executed by the processor, so that the processor can execute the method according to the first embodiment.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention. It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (10)
1. A mobile banking theme automatic switching method based on decision tree is applied to a server side and is characterized by comprising the following steps:
s1, parameter management is carried out on control parameters required by automatic switching of mobile banking themes through a server side; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
s2, establishing a mobile phone bank theme automatic switching model based on sample data through a theme modeling system at a server side, wherein the mobile phone bank theme automatic switching model is sent to a client side to carry out mobile phone bank theme judgment and then carry out mobile phone bank theme automatic switching.
2. The automated mobile banking theme switching method based on decision tree according to claim 1, wherein the step S2 includes:
s21, collecting sample data in a client information system, wherein the sample data comprises basic information data and client equipment information when a client opens an account; wherein the basic information data of the customer when opening an account comprises household registration information, address information and age information; the client device information comprises common IP and device GPS information;
s22, analyzing the sample data so as to construct a customer classification model;
s23, establishing an automatic mobile banking theme switching model based on the client classification model.
3. The automated decision tree-based mobile banking theme switching method according to claim 2, wherein the analyzing the sample data in S22 includes:
s221, primarily classifying the sample data based on a first criterion, and dividing the sample data into a positive example P and a negative example N respectively;
s222, preprocessing sample data, wherein the preprocessing comprises the following steps:
(1) Taking household registration information, address information, common IP and equipment GPS information as four attributes, and performing generalization processing according to the correlation and the total degree of importance among the four attributes, so that the household registration information, the address information, the common IP and the equipment GPS information are converted into territory-related low dimensionality;
(2) Discretizing the age information, wherein the specific steps are as follows:
defining Max and Min variables, and assigning the minimum value of age information to be discretized to Min; assigning a maximum value of the age information to Max;
dividing the interval [ Min, max ] into M break points, and respectively calculating the classification accuracy of preliminary classification based on a first criterion under the interval value of [ Min, mi ] and [ Mi, max ], wherein i=l, 2, …, M-1, wherein the classification accuracy is calculated based on the following formula:
classification accuracy= (number of positive cases actually and divided into positive cases by classifier+number of negative cases actually and divided into negative cases by classifier)/total number of samples;
comparing the values of the classification accuracy of the M break points, and determining the break point corresponding to the maximum classification accuracy as a conditional separation point;
(3) Establishing a decision tree for the preprocessed sample data based on an ID3 algorithm, comprising the following steps:
A. calculating information entropy I (P, N) = -P1 log of samples according to positive example P and negative example N according to sample data which is primarily classified based on first criteria 2 P1-P2log 2 P2; wherein:
P1=P/(P+N)；P2=N/(P+N)；
B. calculating conditional entropy when the classification attribute is household registration information, address information, common IP, equipment GPS information and age information respectively; when the classification attribute is age information, respectively selecting an age > condition separation point and an age < condition separation point as two judgment dimensions; the calculation method of the conditional entropy;
C. respectively calculating the information gain of the household registration information, the address information and the age information; wherein:
information gain= (information entropy-conditional entropy of corresponding classification attribute)/number of dimensions of classification attribute;
D. taking the classification attribute with the maximum information gain value as the root node of the decision tree, and taking the dimension in the classification attribute as the judgment condition of the leaf node;
E. dividing sample data into a plurality of subsets according to the dimensions of the leaf nodes, and determining attribute values selected by the leaf nodes corresponding to each subset;
F. and E, repeating the step E for each leaf node, and confirming the leaf nodes of the next stage of the leaf nodes of each stage step by step.
4. The decision tree-based mobile banking theme automatic switching system is arranged at a server side and is used for implementing the decision tree-based mobile banking theme automatic switching method as claimed in any one of claims 1-3, and is characterized by comprising the following steps:
the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
the system comprises a theme modeling system, a mobile phone banking theme automatic switching module and a mobile phone banking theme automatic switching module, wherein the theme modeling system is used for establishing a mobile phone banking theme automatic switching model based on sample data, and the mobile phone banking theme automatic switching model is sent to a client to perform mobile phone banking theme judgment and then perform mobile phone banking theme automatic switching; the topic modeling system is deployed at a back-end server side.
5. The mobile banking theme automatic switching method based on the decision tree is applied to a client and is characterized by comprising the following steps of:
s1', acquiring an automatic mobile banking theme switching model through a client;
s2', after the client is confirmed to log in, login information is obtained, confidence judgment is carried out, and a confidence judgment result is obtained and sent; wherein the login information comprises household registration information, address information, login equipment information IP and login equipment GPS information; the confidence level determination is used to determine whether the customer is an audience for the current financial institution;
s3', inquiring and acquiring mobile phone bank theme version information corresponding to login information determined based on the mobile phone bank theme automatic switching model by the client based on the situation that the confidence coefficient judgment result is yes;
s4', the client acquires the version information of the current bank theme and judges whether the version information of the mobile phone bank theme corresponding to the login information is consistent with the version information of the current bank theme; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
6. The decision tree-based mobile banking theme automatic switching system is used for implementing the decision tree-based mobile banking theme automatic switching method set at a client and is characterized by comprising the following steps:
the theme judging module is used for acquiring an automatic theme switching model of the mobile phone bank; after confirming that the client logs in, acquiring login information, judging the confidence coefficient, acquiring a confidence coefficient judgment result and sending the confidence coefficient judgment result;
the interface control module is used for inquiring and acquiring mobile phone bank theme version information corresponding to login information determined based on the mobile phone bank theme automatic switching model under the condition that the confidence coefficient judgment result is yes; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
7. The automatic mobile banking theme switching method based on the decision tree is characterized by comprising the following steps of:
carrying out parameter management on control parameters required by automatic theme switching of a mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
establishing an automatic mobile banking theme switching model based on sample data, wherein the automatic mobile banking theme switching model is used for automatically switching mobile banking themes;
acquiring an automatic mobile banking theme switching model;
inquiring and acquiring mobile banking theme version information corresponding to login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
8. The decision tree-based mobile banking theme automatic switching system is used for implementing the decision tree-based mobile banking theme automatic switching method in claim 7, and is characterized by comprising the following steps:
the interface parameter control system is used for carrying out parameter management on control parameters required by automatic theme switching of the mobile phone bank; wherein, the control parameters comprise resident area information, interface version, maintenance mechanism, effective time of parameters and maintenance person of parameters; the parameter management comprises parameter inquiry, parameter modification, parameter maintenance, parameter approval and control parameter history version backup management;
the system comprises a theme modeling system, a mobile banking theme automatic switching model and a theme control system, wherein the theme modeling system is used for establishing a mobile banking theme automatic switching model based on sample data, and the mobile banking theme automatic switching model is used for automatically switching mobile banking themes;
the theme judging module is used for acquiring the mobile banking theme automatic switching model;
the interface control module is used for inquiring and acquiring mobile banking theme version information corresponding to the login information determined based on the mobile banking theme automatic switching model; acquiring current bank theme version information, and judging whether the mobile phone bank theme version information corresponding to the login information is consistent with the current bank theme version information; and if the dynamic rendering is inconsistent, dynamically rendering the pages of the mobile banking theme, reloading the static resources, and finishing the automatic switching of the mobile banking theme.
9. An electronic device, comprising a processor and a memory, wherein the memory stores a plurality of instructions, and the processor is configured to read the instructions and execute the decision tree-based automated mobile banking theme switching method according to any one of claims 1-3, 5, and 7.
10. A computer readable storage medium storing a plurality of instructions readable by a processor and for performing the decision tree based automated mobile banking theme switching method of any of claims 1-3, 5, 7.
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