TW202121291A - Customized function recommendation method for digital platforms reducing 10%~15% of recommended model computation time and decreasing the set regulation time for customers - Google Patents

Abstract

A customized function recommendation method for digital platforms is capable of providing customized function service for application programs. The service range includes: color schemes, patterns, function ordering, combination thereof and etc. Additionally, the models can also be established through client's banking transaction information and the customized digital platform behavior data so as to recommend the models to new and existing clients, thereby providing service combinations required for functional interface. The recommended models can further update the recommended models real time to perform processing for continuously increased previous demand and check data, recognize meaningful contents, choose correct algorithms, train and optimize customized functional interfaces specifically for client data.

Description

Recommended methods for customized functions of digital platforms

The present invention relates to a method for recommending customized functions of a digital platform, and in particular to a customized function service that provides application programs. In particular, it refers to modules that can be recommended to new and old customers through a recommendation model, and to provide modules specifically for customers. Data-tailored functional interface.

Nowadays, on digital platforms, especially online banking and mobile banking, the operating interfaces of many banking applications are presented in the form of menus, texts, and forms. However, due to the large number of options and the inclusion of many financial proprietary names, it is not easy for customers to quickly find the information. The option you want to select.

In order to facilitate user operation, the current application will provide customized services for users to arrange the layout of the functional interface by themselves, for example, the color of the page, the overall color, the style of borders and corners can be selected, or the order of services can be sorted and many more. However, customization is to arrange the functional interface in full compliance with the customer's needs. In the absence of a ready-made model interface to refer to, the customer must be able to clearly know the detailed requirements, otherwise it is very likely to create a functional interface that does not meet the requirements. It is more likely that because the functions and interfaces are too complicated, the customer's use efficiency is reduced, and training is also difficult, causing customers to face the difficulty of changing the usability of their interface.

In view of this, how to develop a new digital platform system that can improve the aforementioned shortcomings of the prior art is a subject to be further explored in the present invention.

The main purpose of the present invention is to overcome the above-mentioned problems encountered by the prior art and Provides a customized function service that can provide applications. The service scope includes color matching, layout, function sorting or combination, etc., and it can also establish a recommendation model through customer bank transaction data and customized digital platform behavior data to provide new services. , Old customer recommendation module, which provides a combination of services with required functional interfaces; the recommendation model can also update the recommendation module in real time, process and check data, identify meaningful content, select the correct algorithm, and Training and optimizing the digital platform customized function recommendation method with a functional interface tailored specifically for customer data.

In order to achieve the above objectives, the present invention is a method for recommending customized functions of a digital platform, which at least includes the following steps: Step 1: Store customer bank information; Step 2: Provide digital financial services via the Internet; Step 3: Provide Customize the information required for functional services and record the customized digital platform data; and Step 4: analyze the customer’s bank transaction data and the customized digital platform data, analyze the recommended module for storage, and analyze The result is provided to the customized service server. When a new customer generates basic data, it starts with the recommended service configuration and provides a recommendation module, or when an existing customer adjusts to a customized service, it provides a recommendation module for selection.

In the above embodiment of the present invention, it further includes a bank host unit, a digital service platform unit connected to the bank host unit, a customized digital service server unit connected to the digital service platform unit, and a A customized digital platform analysis server unit connecting the bank host unit and the customized digital service server unit.

In the above-mentioned embodiment of the present invention, the bank host unit stores the customer's bank transaction data, and the customer's bank transaction data is the basic data and transaction detail data of all relevant business transactions between the customer and the bank.

In the above-mentioned embodiment of the present invention, the digital service platform unit is connected to the network to provide digital financial services, and the digital financial services provided include web pages and application software.

In the above-mentioned embodiment of the present invention, the customized digital service server unit provides information required for customized functional services and records customized digital platform data, and the customized functional service scope includes color matching and layout type , Function sorting or a combination thereof.

In the above embodiment of the present invention, the customized digital platform analysis server unit analyzes the customer's bank transaction data and customized digital platform data, analyzes the recommendation module for storage, and provides the analysis result to the customer. The standardized digital service server unit provides a recommendation module with the initial recommended service configuration when a new customer generates basic data, or provides a recommendation module for selection when an existing customer adjusts to a customized service.

In the above embodiment of the present invention, the service medium provided by the customized digital platform analysis server unit includes a web page and application software, which at least includes an analysis module and a storage module.

In the above-mentioned embodiment of the present invention, the analysis method of the analysis module includes all recommendation models, and the data covers the customer's bank transaction data and customized digital platform behavior data. When the new customer only has basic data, the recommendation is initiated The service configuration provides a recommendation module, and continues to increase customer bank transaction data and customized digital platform behavior data, provides real-time recommendation module updates, and stores the analyzed recommendation module in the storage module.

In the above embodiment of the present invention, the method for recommending customized functions of the digital platform can reduce the recommended model calculation time by 10% to 15%, and reduce the customer's setting adjustment time from 20 seconds to 1 minute.

1‧‧‧Bank host unit

2‧‧‧Digital Service Platform Unit

3‧‧‧Customized digital service server unit

4‧‧‧Customized digital platform analysis server unit

41‧‧‧Analysis Module

42‧‧‧Storage Module

s1~s4‧‧‧Step 1~Step 4

Figure 1 is a schematic diagram of the process of the present invention

Figure 2 is a block diagram of the present invention.

Figure 3 is a schematic diagram of a brief version of the application software of the present invention.

Figure 4 is another block diagram of the present invention.

Please refer to "Figures 1 to 4", which are a schematic diagram of the process of the present invention, a schematic block diagram of the present invention, a schematic diagram of a brief version of the application software of the present invention, and another block schematic diagram of the present invention. As shown in the figure: the present invention is a method for recommending customized functions of a digital platform, which includes the following steps:

Step one s1: Store the customer's bank transaction information.

Step two s2: Provide digital financial services via the Internet.

Step three s3: Provide information required for customized functional services and record customized digital platform data.

Step four s4: analyze the customer’s bank transaction data and the customized digital platform data, analyze the recommended module for storage, and provide the analysis result to the customized service server. When a new customer generates basic data Provide recommended modules based on the initial recommended service configuration, or provide recommended modules for selection when existing customers adjust with customized services. If so, a brand-new method for recommending customized functions of digital platforms is formed by the above-mentioned disclosed process.

In a preferred embodiment of the present invention, the above process is performed through a digital platform customized function recommendation device, which includes a bank host unit 1, a digital service platform unit 2, a customized digital The service server unit 3 and a customized digital platform analysis server unit 4 are constituted.

The bank host unit 1 mentioned above stores the customer’s bank transaction data. The customer’s bank transaction The data is the basic data and detailed data of all related business transactions between the customer and the bank.

The digital service platform unit 2 is connected to the bank host unit 1, and is connected to the network to provide digital financial services. Among them, the digital service platform unit 2 provides digital financial services including web pages and application software.

The customized digital service server unit 3 is connected to the digital service platform unit 2 to provide information required for customized functional services and record customized digital platform data. Among them, the customized function service scope provided by the customized digital service server unit 3 includes color matching, layout type, function ordering or a combination thereof, as shown in FIG. 2.

The customized digital platform analysis server unit 4 connects the bank host unit 1 and the customized digital service server unit 3, and analyzes the customer bank transaction data and the customized digital platform data, and analyzes The recommended module is stored, and the analysis result is provided to the customized digital service server unit 4. When a new customer generates basic data, the recommended module is provided with the initial recommended service configuration, or existing customers are customized Recommended modules are provided for selection when adjusting services. The service medium provided by the customized digital platform analysis server unit 4 includes web pages and application software.

When used, this method can provide customers with customized functions in the digital channel, and provide customers with a customized functional interface. The color of the interface, the overall color, and the border and frame can be selected through the customized digital service server unit 3. The corner style can be round, square or other, and the order of services can be visualized according to the order of functions, etc., and the customized digital platform analysis server unit 4 can provide a recommendation module, which effectively improves customer satisfaction and reduces customer setting adjustment time Seconds to 1 minute, and the recommended model selected by internal calculations will reduce the time to build by 10% to 15% compared to the tool. The following is the implementation case description of existing customers and new customers:

[Case number one]

Existing customers can perform customized interface adjustments on the customized digital service server unit 3 to provide customized services, and the customized digital platform analysis server unit 4 provides recommended modules for selection.

[Case Two]

After the new customer provides basic data in the bank host unit 1, the customized digital platform analysis server unit 4 can provide the service of recommending modules based on the analysis results.

In a preferred embodiment of the present invention, the customized digital platform analysis server unit 4 at least includes an analysis module 41 and a storage module 42. The analysis method of the analysis module 41 includes all the recommendation models. The data covers the customer's bank transaction data and customized digital platform behavior data. When the new customer only has basic data, it will provide the recommendation module with the initial recommended service configuration. , And in response to the continuous increase of customer bank transaction data and customized digital platform behavior data, real-time recommendation module updates are provided, and the analyzed recommendation modules are stored in the storage module 42. In this way, a recommendation model can be established. New customers can provide a current customized recommendation module under the basic data, which can be used directly or adjusted according to their needs. It can also process and check data according to past needs and identify meaningful ones. Content, selection of the right algorithm, training and optimization recommendation module tailored specifically for customer data.

In summary, the present invention is a method for recommending customized functions for digital platforms, which can effectively improve the various shortcomings of conventional use, and provide customized function services for applications. The service scope includes color matching, version type, and function sorting (such as Taiwan dollar). Fixed deposit, foreign currency fixed deposit, credit card, wealth management or loan debt management, etc.) or a combination thereof, etc., or through customer bank transaction data and customized digital platform behavior data to establish a recommendation model to recommend models to new and old customers Group, which provides the required functional interface service The recommendation model can also update the recommendation module in real time, process and check data according to the ever-increasing past needs, identify meaningful content, select the correct algorithm, train and optimize functions tailored to customer data With the interface, the invention can be more advanced, more practical, and more in line with the needs of users. It has indeed met the requirements of an invention patent application, and a patent application is filed in accordance with the law.

However, the above are only the preferred embodiments of the present invention, and should not be used to limit the scope of implementation of the present invention; therefore, all simple equivalent changes and modifications made in accordance with the scope of the patent application of the present invention and the content of the description of the invention , Should still fall within the scope of the invention patent.

1‧‧‧Bank host unit

2‧‧‧Digital Service Platform Unit

3‧‧‧Customized digital service server unit

4‧‧‧Customized digital platform analysis server unit

41‧‧‧Analysis Module

42‧‧‧Storage Module

Claims (9)

A method for recommending customized functions of a digital platform, which at least includes the following steps: Step 1: Store customer bank information; Step 2: Provide digital financial services via the Internet; Step 3: Provide information required for customized functional services and record customized digital platform data; and Step 4: Analyze the customer’s bank transaction data and the customized digital platform data, analyze the recommended module for storage, and provide the analysis result to the customized service server. When a new customer generates basic data Initially recommended service configuration, provide recommended modules, or provide recommended modules for selection when existing customers adjust with customized services. According to the digital platform customized function recommendation method described in item 1 of the scope of patent application, it further includes a bank host unit, a digital service platform unit connected to the bank host unit, and a digital service platform unit connected to the digital service platform unit The customized digital service server unit, and a customized digital platform analysis server unit connecting the bank host unit and the customized digital service server unit. According to the digital platform customized function recommendation method described in item 2 of the scope of patent application, the bank host unit stores the customer's bank transaction data, and the customer bank transaction data is the basic data and transaction details of all relevant business transactions between the customer and the bank data. According to the digital platform customized function recommendation method described in item 2 of the scope of patent application, the digital service platform unit is connected to the Internet to provide digital financial services, and the digital financial services provided include web pages and application software. According to the digital platform customized function recommendation method described in item 2 of the scope of patent application, the customized digital service server unit provides the information required for the customized function service and records the customized digital platform data, And the customized function service scope includes color matching, layout, function sorting or a combination thereof. According to the digital platform customized function recommendation method described in item 2 of the scope of patent application, the customized digital platform analysis server unit analyzes the customer's bank transaction data and customized digital platform data, and analyzes recommendations Modules are stored, and the analysis results are provided to the customized digital service server unit. When a new customer generates basic data, the recommended module is provided with the initial recommended service configuration, or existing customers provide customized services Recommended modules are provided for selection when adjusting. According to the digital platform customized function recommendation method described in item 2 of the scope of patent application, the service medium provided by the customized digital platform analysis server unit includes web pages and application software, which includes at least one analysis module and one Storage module. According to the digital platform customized function recommendation method described in item 7 of the scope of patent application, the analysis module analysis method includes all recommendation models, and the data covers the customer's bank transaction data and customized digital platform behavior data. When new customers only have basic data, they will provide the recommendation module with the initial recommended service configuration, and continue to increase the follow-up customer’s bank transaction data and customized digital platform behavior data, provide real-time recommendation module updates, and analyze them. The recommended modules of are stored in this storage module. According to the digital platform customized function recommendation method described in item 1 of the scope of patent application, the recommended model calculation time can be reduced by 10%~15%, and the customer's setting adjustment time can be reduced from 20 seconds to 1 minute.

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