CN111784388B - Financial product recommendation method and device - Google Patents
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Abstract
The invention discloses a financial product recommendation method and a financial product recommendation device, wherein the method comprises the following steps: obtaining a plurality of preset target accounts, wherein the target accounts comprise: the account is leaked by the funds of the other line, the account is flown into the other line, and the account is flown out of the other line; determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method, and determining the business transaction classification of the target account and the corresponding transaction opponent account; recommending financial products to the home clients of the counter accounts according to the business transaction classification. The financial product recommending method can accurately determine the financial product recommending clients, and achieve accurate recommendation of the financial products.
Description
Technical Field
The invention relates to the technical field of intelligent marketing, in particular to a financial product recommendation method and device.
Background
In the banking field, how to recommend suitable financial products for customers is a major problem in the art. In the prior art, when the financial product recommendation is performed, the information of the other bank account cannot be applied, for example, a great amount of funds are transferred from the my bank account of the client A to the other bank account of the client B, namely, the funds flow to the other bank account of the client B, so that the financial product recommendation to the client B of the funds flow is a good recommendation strategy. Therefore, how to use the association between the good line account and the other line account to conduct reasonable financial product recommendation is a problem to be solved in the prior art.
Disclosure of Invention
The invention provides a financial product recommending method and a financial product recommending device for solving the technical problems in the background technology.
In order to achieve the above object, according to one aspect of the present invention, there is provided a financial product recommendation method comprising:
obtaining a plurality of preset target accounts, wherein the target accounts comprise: the account is leaked by the funds of the other line, the account is flown into the other line, and the account is flown out of the other line;
determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method, and determining the business transaction classification of the target account and the corresponding transaction opponent account;
recommending financial products to the home clients of the counter accounts according to the business transaction classification.
Optionally, the financial product recommendation method further includes:
acquiring client information of a home client of the transaction opponent account;
recommending financial products to the home clients of the transaction opponent accounts according to the client information.
Optionally, the financial product recommendation method further includes:
acquiring the account type of the transaction opponent account;
recommending financial products to the home clients of the counter accounts according to the account types.
Optionally, the financial product recommendation method further includes:
acquiring a corresponding fund flow diagram of each target account, wherein the fund flow diagram comprises a plurality of points and edges, the points are used for representing the corresponding transaction opponent accounts of the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction opponent accounts;
the determining the transaction opponent account of the target account by adopting the fund flow direction exploration method comprises the following steps:
and determining the counter account of the target account by adopting a fund flow direction exploration method according to the fund flow chart.
In order to achieve the above object, according to another aspect of the present invention, there is provided a financial product recommendation device comprising:
the target account obtaining unit is used for obtaining a plurality of preset target accounts, wherein the target accounts comprise: the account is leaked by the funds of the other line, the account is flown into the other line, and the account is flown out of the other line;
the upstream and downstream account searching unit is used for determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method and determining the business transaction classification of the target account and the corresponding transaction opponent account;
and the financial product recommending unit is used for recommending financial products to the home clients of the counter accounts according to the business transaction classification.
Optionally, the financial product recommendation device further includes:
a client information acquisition unit, configured to acquire client information of a home client of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the client information.
Optionally, the financial product recommendation device further includes:
an account type obtaining unit, configured to obtain an account type of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the account types.
Optionally, the financial product recommendation device further includes:
a fund flow diagram obtaining unit, configured to obtain a fund flow diagram corresponding to each target account, where the fund flow diagram includes a plurality of points and edges, the points are used to represent an opponent account of the transaction corresponding to the target account, and the edges are used to represent the transaction between the target account and the corresponding opponent account of the transaction;
the upstream and downstream account searching unit is specifically configured to determine an opponent account of the target account by adopting a funds flow direction searching method according to the funds flow chart.
To achieve the above object, according to another aspect of the present invention, there is also provided a computer device including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the steps in the above-mentioned financial product recommendation method when executing the computer program.
In order to achieve the above object, according to another aspect of the present invention, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps in the above-described financial product recommendation method.
The beneficial effects of the invention are as follows: according to the invention, through researching the association relation between the line account and the other line account, the line account and the other line account which have great significance for recommending the financial products are determined, namely, the line funds leakage account, the other line net inflow account and the other line net outflow account, and further, the transaction opponent account (the line account or the other line account) is determined by adopting a funds flow direction exploration method based on the accounts, so that the financial product recommendation client is used as the financial product recommendation client, and further, the financial product recommendation client is accurately determined according to the business transaction classification of specific transactions, and the beneficial effects of accurate recommendation of the financial products are realized.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a first flowchart of a financial product recommendation method according to an embodiment of the present invention;
FIG. 2 is a second flowchart of a financial product recommendation method according to an embodiment of the present invention;
FIG. 3 is a third flowchart of a financial product recommendation method according to an embodiment of the present invention;
FIG. 4 is a block diagram showing a structure of a financial product recommendation device according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of a computer device according to an embodiment of the invention.
Detailed Description
In order that those skilled in the art will better understand the present invention, a technical solution in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
It will be appreciated by those skilled in the art that 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.
It is noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and in the foregoing figures, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or apparatus.
It should be noted that the financial product in the present invention may be an investment financial product of a bank, or may be a financial business of a bank, such as payroll or other management services.
It should be noted that, without conflict, the embodiments of the present invention and features of the embodiments may be combined with each other. The invention will be described in detail below with reference to the drawings in connection with embodiments.
Fig. 1 is a first flowchart of a financial product recommendation method according to an embodiment of the present invention, as shown in fig. 1, the financial product recommendation method of the present embodiment includes steps S101 to S103.
Step S101, obtaining a plurality of preset target accounts, where the target accounts include: i line funds leak account, his line net inflow account, and his line net outflow account.
In the embodiment of the invention, the lost account of the my bank funds is: funds flow to the I-line account of the other-line account in large quantity; the net inflow account of other lines is: a plurality of other bank accounts for receiving the outgoing funds of the banks; the net outflow account of other lines is: funds flow into his bank account of his bank account in large amounts.
In an optional embodiment of the present invention, the present invention determines all the my line funds loss accounts, the other line net inflow accounts, and the other line net outflow accounts satisfying the rule according to the preset threshold calculation rule. Further, performing account screening, and removing invalid accounts includes: banks, funds, securities, settlements, private households, money transfer, pending solutions, internal households, clearing, transit households, transitional households, products, financial, repayment, peer systems, no name found, payment preparation, asset management plan type accounts, etc. And finally obtaining the target accounts in the step.
Step S102, determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method, and determining the business transaction classification of the target account and the corresponding transaction opponent account.
In the embodiment of the invention, the step adopts a fund flow direction exploration method to determine the fund flow direction of each target account based on each target account, namely, determining the opponent account of each target account. In the embodiment of the invention, each transaction initiated or received by the target account corresponds to one transaction opponent account, so that each target account can correspond to a plurality of transaction opponent accounts. In an alternative embodiment of the invention, the invention also screens the transactions by a preset threshold value, eliminates the small-amount transactions, and only determines the transaction opponent account corresponding to the transaction meeting the preset threshold value.
In alternative embodiments of the invention, the counterparty account may be a personal account, a public account, an overseas account, or a group account.
In the embodiment of the invention, when the transaction opponent account corresponding to the target account is determined, the specific business transaction classification of the transaction performed by the target account and the transaction opponent account is also determined. In the embodiment of the invention, when one target account corresponds to a plurality of transaction opponent accounts meeting preset conditions, respectively determining the business transaction classification of transactions with the transaction opponent accounts; when more than one transaction is conducted with a transaction counter account, a transaction classification for each transaction is determined simultaneously.
In an alternative embodiment of the present invention, the business transaction classification may comprise: 1. the central financial payment is for payroll, 2 the local financial payment is for payroll, 3 the central financial payment is for financial tax, 4 the local financial payment is for financial tax, 5 the central financial payment, 6 the local financial payment, 7 the private-financing host, 8 the private-banking, 9 the private-payment bank, 10 the fund, 11 the banking, 12 the structural deposit, 13 the pension payroll, 14 the legal person payroll, 15 the legal person loan issue and withdraw, 16 the personal loan issue, 17 the loan interest, 18 the deposit interest, 19 the sales collection, 20 the bank pay-off bill, 21 the bank pay-off bill, 22 the agreement deposit, 23 the regular deposit, 24 the various payouts, 25 the payroll, 26 the intermediate business charge, 27 the transaction, 28 the cash deposit, 29 the banking business, 30 the banking business, 31 the investment-derivative business, 32 the financial transaction, 33 the cash deposit, 34 the money transfer payment on the financial transaction, 35 the financial deposit, 37 the financial transaction, and the payment transfer, and the other transactions, and the payment in-by-the trade, and the like.
Step S103, recommending financial products to the home clients of the counter accounts according to the business transaction classification.
In an optional embodiment of the present invention, a correspondence between the target business transaction classification and the financial product is preset, for example, the target business transaction classification is legal financial, and the corresponding financial product is legal financial. The method comprises the steps of firstly judging whether the business transaction classification of the transaction between a target account and a corresponding transaction opponent account is the target business transaction classification, if so, directly determining the corresponding financial product, further recommending the financial product to the attribution client of the transaction opponent account, and if not, skipping.
In the embodiment of the invention, the financial product recommendation information can be specifically sent to the account of the home client of the transaction opponent account in the home line (namely the home line account).
Therefore, the invention determines the me line account and the other line account which have great significance for recommending the financial products by researching the association relation between the me line account and the other line account, namely, the me line funds leakage account, the other line net inflow account and the other line net outflow account, further determines the transaction opponent account (the me line account or the other line account) as a financial product recommending client by adopting a funds flow exploration method based on the accounts, further carries out financial product recommending according to the business transaction classification of specific transactions, realizes accurate determination of the financial product recommending client and realizes the beneficial effects of accurate recommending of the financial products.
Fig. 2 is a second flowchart of a financial product recommendation method according to an embodiment of the present invention, as shown in fig. 2, in an alternative embodiment of the present invention, the financial product recommendation method further includes step S201 and step S202.
Step S201, obtaining client information of the home client of the transaction opponent account.
In an embodiment of the present invention, this step further determines client information of the home client of the transaction opponent account, where the client information may include: customer base information, customer type, historical purchase financial product information, behavior information, associated information, evaluation information, marketing information, risk information, location information, financial information, equipment information, business information, preference information, social information and the like, so that financial products suitable for the customer are recommended, and the previous my account cannot flow out to the customer in a large amount.
Step S202, recommending financial products to the home client of the counter account according to the client information.
In an optional embodiment of the present invention, a feature tag set and a financial product set are preset, where each feature tag in the feature tag set corresponds to at least one financial product in the financial product set, and the step determines, according to the client information, a feature tag corresponding to a client, and further determines a corresponding recommended financial product. For example, the feature tag is a bare credit customer and the corresponding recommended financial product is a marketing deposit product.
In the embodiment of the invention, the effect of accurately recommending financial products to customers can be realized by adopting a mode of combining the embodiment shown in the figure 1 and the embodiment shown in the figure 2.
Fig. 3 is a third flowchart of a financial product recommendation method according to an embodiment of the present invention, as shown in fig. 3, in an alternative embodiment of the present invention, the financial product recommendation method further includes step S301 and step S302.
Step S301, obtaining the account type of the transaction opponent account;
step S302, recommending financial products to the home client of the counter account according to the account type.
In the embodiment of the invention, financial products can be recommended to the home customers of the transaction opponent account according to the account type of the transaction opponent account, for example, if the account type is an enterprise account, financial products such as payroll and the like can be recommended to the customers.
In the embodiment of the invention, the effect of accurately recommending financial products to customers can be realized by adopting a mode of combining the embodiment shown in fig. 1, the embodiment shown in fig. 2 and the embodiment shown in fig. 3.
In an optional embodiment of the present invention, the financial product recommendation method of the present invention further includes:
and acquiring a fund flow chart corresponding to each target account, wherein the fund flow chart comprises a plurality of points and edges, the points are used for representing the corresponding transaction opponent accounts of the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction opponent accounts.
In an alternative embodiment of the invention, details of the transaction, including time, amount and business transaction classification, are also described in each side of the funds transfer diagram. Each point of the funds transfer diagram also records details of the account, including: the account number, the line name, the client number, the client information, the subject number, the account type, the area number of the affiliated institution, the network point number of the affiliated institution, the mark of the public person, the mark of the line of the person, and the like.
In an optional embodiment of the present invention, the determining the counter account of the target account by using the funds flow probing method in step S102 specifically includes:
and determining the counter account of the target account by adopting a fund flow direction exploration method according to the fund flow chart.
In an alternative embodiment of the present invention, the customer information of the home customer of the counter account in the above step S201 and the account type of the counter account in the above step S301 may be obtained from the above funds flow chart.
In an optional embodiment of the present invention, the recommended financial product corresponding to the feature tag set in the step S202 may specifically include:
when the feature tag is in the collaborative lead-in period for the customer's interaction period with the bank, it is recommended to market the base class settlement products that the customer does not hold.
When the feature labels are in the collaborative introduction period for the interaction period of the clients and the banks and are on the market, the client manager is recommended to increase the attention of the enterprises and strengthen the contact with the clients.
When the feature labels are in a cooperative rising period for the interaction period of the clients and the banks and are on the market, the client manager is recommended to increase the attention of the enterprises and strengthen the contact with the clients.
When the feature tag is in a cooperative stationary phase for the period of customer interaction with the bank and is a marketing enterprise, but there is no financing at the bank, it is recommended to attempt to market the customer to establish a credit relationship with the bank.
When the feature tag is that the interaction period of the client and the bank is in the cooperative decline period and no visit record exists, the client manager is recommended to strengthen the daily maintenance.
When the characteristic label is that the interaction period of the client and the bank is in the cooperative decline period and the daily average financial property of the client is more than 50 ten thousand, the client is recommended to transact the equity financial business.
When the characteristic label is that the interaction period of the client and the bank is in the cooperative silent period and the business registration state is 'not in the camp', the client manager is recommended to judge whether the client number of the client needs to be cancelled according to the actual situation.
When the characteristic label is that the interaction period of the client and the bank is in the cooperative silent period and the business registration state is "in camp", the client is recommended to wake up.
When the feature labels are that the clients are large enterprises and no visit record exists in the last month, the client manager is recommended to increase the frequency of visiting the clients and maintain the relationship.
When the feature tag is a large enterprise for the customer and is a "non-proxy payroll" it is recommended to transact proxy payroll business.
When the feature tag is a product that the customer is a large enterprise and does not have a liquidity product line, it is recommended to transact fund pool products.
When the feature labels are that the clients are medium-sized enterprises and no visit record exists in the last month, the client manager is recommended to increase the frequency of visiting the clients and maintain the relationship.
When the feature tag is a medium-sized business for the customer and is a "non-proxy payroll" customer, it is recommended to transact proxy payroll business.
When the feature tag is a product that the customer is a medium-sized enterprise and does not have a liquidity product line, it is recommended to recommend a product that handles the fund pool.
When the feature tag is a small enterprise for the customer and a resident merchant is purchased for the fuse e, the recommendation of the transaction network financing product is recommended.
When the feature labels are small and miniature enterprises, financing and high management risks exist in banks, and a customer manager is prompted to pay attention to the risks of the enterprises.
When the feature tag is a record of no visit by the customer, the customer manager is recommended to conduct marketing maintenance.
When the feature tag is in a cooperative stationary phase for the period of customer interaction with the bank and is a marketing enterprise, but there is no financing at the bank, it is recommended to attempt to market the customer to establish a credit relationship with the bank.
When the feature tag is a marketing enterprise for a customer, it is recommended to market cash management products that it has not yet hold.
When the feature tag pays the customer at the bank, but is a bare credit customer, it is recommended to recommend the marketing deposit product.
When the signature is financing a customer at a bank but there is a bad loan, it is recommended to strengthen the loan clearance and pay attention to the risk that the customer associates the customer with the vouchering customer.
When the feature tag is that the customer has financing at a bank and has poor scissors, the proposal is to strengthen the information.
When the feature tag pays money for the customer at the bank and the transaction opponents are concentrated, the customer manager is recommended to pay attention to the customer management risk.
When the feature label is that the client preference channel is a counter and the internet banking or the mobile banking is not opened, the recommendation of the client to open the enterprise internet banking and the mobile banking is recommended.
And when the characteristic label is that the client is an import and export client, recommending an international settlement product and an international trade financing product is recommended.
When the feature labels are concentrated for the client trade opponents and the trade opponents are mostly extra-line clients, the extra-line clients with the largest expansion trade are recommended.
When the feature tag is relatively fixed for the customer transaction opponent, the customer manager is recommended to recommend the receipt and payment manager card product.
When the feature tag indicates that the customer is periodic in a banking transaction and is currently in a funds inflow period, the customer manager is recommended to recommend the deposit product.
When the feature tag indicates that the customer is in the banking transaction periodicity, the customer manager is recommended to recommend automatic deposit conversion and investment arrangement products.
When the feature tag indicates that the client has periodicity in bank transactions and is currently in a funds outflow period, the transaction opponent is a non-homonymous account, and the client manager is recommended to pay attention to whether the client manager has financing requirements.
When the feature tag is non-periodic for the customer transaction and is a high-flow low-memory customer, the customer manager is recommended to recommend legal financial products.
When the feature tag indicates that the customer is a high-flow, high-memory customer and does not hold a cash management product, the customer manager is recommended to recommend the cash management product.
When the feature labels are low-flow and low-memory customers, the customer manager is recommended to strengthen the daily maintenance.
When the feature tag is a hierarchical marketing customer whose customer belongs to the general line level, the first level line level or the second level line level, and is a non-effective cash management customer, the customer manager is recommended to contact the product manager to go to the marketing cash management service.
As can be seen from the above embodiments, the financial product recommendation method of the present invention at least achieves the following beneficial effects:
1. the method solves the problems of large workload, long time and inaccurate marketing target list analysis in the prior art. The marketing target client list is rapidly and efficiently extracted through the map exploration platform, financial products are recommended according to a certain calculation rule, other clients and trans-line homonymous fund transfer scenes are effectively mined, and targets of target account tabulation, business analysis scene modeling and marketing management closed-loop can be achieved. And (3) setting up a '3+1' mechanism customer marketing management system, namely a 'closed-loop marketing target list, business scene analysis, manager cockpit' + 'fund flow direction exploration', and further assisting the linkage development of the bank G2B2C business and the fund closed-loop management work. Powerful decision support is provided for foreground marketing and middle and background management, so that client marketing can be performed quickly and efficiently. The method is beneficial to increasing customer contribution and improving the income of customer plates.
2. The invention can comprehensively improve the overall efficiency of client marketing management, adopts the concept of hanging marketing and chain marketing to carry out marketing management, adopts artificial intelligence and big data means to intelligently generate a user list with marketing information, supports the direct issuing of a first-level bank and basic active claim marketing, simultaneously automatically identifies the marketing account opening condition, comprehensively replaces the original business modes of step-by-step issuing, step-by-step feedback and step-by-step auditing, and increases the flexibility of marketing management, thereby greatly improving the overall efficiency of client marketing management.
It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.
Based on the same inventive concept, the embodiment of the present invention also provides a financial product recommendation device, which can be used to implement the financial product recommendation method described in the above embodiment, as described in the following embodiment. Since the principle of the financial product recommendation device for solving the problem is similar to that of the financial product recommendation method, the embodiment of the financial product recommendation device can refer to the embodiment of the financial product recommendation method, and the repetition is omitted. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.
FIG. 4 is a first block diagram of a financial product recommendation device according to an embodiment of the present invention, and as shown in FIG. 4, the financial product recommendation device according to an embodiment of the present invention includes: a target account acquisition unit 1, an upstream and downstream account searching unit 2 and a financial product recommending unit 3.
A target account obtaining unit 1, configured to obtain a plurality of preset target accounts, where the target accounts include: i line funds leak account, his line net inflow account, and his line net outflow account.
And the upstream and downstream account searching unit 2 is used for determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method and determining the business transaction classification of the target account and the corresponding transaction opponent account.
And the financial product recommending unit 3 is used for recommending financial products to the home clients of the counter accounts according to the business transaction classification.
In an embodiment of the present invention, the financial product recommendation device further includes:
a client information acquisition unit, configured to acquire client information of a home client of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the client information.
In an embodiment of the present invention, the financial product recommendation device further includes:
an account type obtaining unit, configured to obtain an account type of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the account types.
In an embodiment of the present invention, the financial product recommendation device further includes:
a fund flow diagram obtaining unit, configured to obtain a fund flow diagram corresponding to each target account, where the fund flow diagram includes a plurality of points and edges, the points are used to represent an opponent account of the transaction corresponding to the target account, and the edges are used to represent the transaction between the target account and the corresponding opponent account of the transaction;
in an embodiment of the present invention, the upstream and downstream account searching unit 2 is specifically configured to determine an opponent account of the target account by using a funds flow exploration method according to the funds flow chart.
To achieve the above object, according to another aspect of the present application, there is also provided a computer apparatus. As shown in fig. 5, the computer device includes a memory, a processor, a communication interface, and a communication bus, where a computer program executable on the processor is stored on the memory, and when the processor executes the computer program, the steps in the method of the above embodiment are implemented.
The processor may be a central processing unit (Central Processing Unit, CPU). The processor may also be any other general purpose processor, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof.
The memory is used as a non-transitory computer readable storage medium for storing non-transitory software programs, non-transitory computer executable programs, and units, such as corresponding program units in the above-described method embodiments of the invention. The processor executes the various functional applications of the processor and the processing of the composition data by running non-transitory software programs, instructions and modules stored in the memory, i.e., implementing the methods of the method embodiments described above.
The memory may include a memory program area and a memory data area, wherein the memory program area may store an operating system, at least one application program required for a function; the storage data area may store data created by the processor, etc. In addition, the memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid state storage device. In some embodiments, the memory may optionally include memory located remotely from the processor, the remote memory being connectable to the processor through a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The one or more units are stored in the memory, which when executed by the processor, performs the method in the above embodiments.
The details of the computer device may be correspondingly understood by referring to the corresponding relevant descriptions and effects in the above embodiments, and will not be repeated here.
To achieve the above object, according to another aspect of the present application, there is also provided a computer-readable storage medium storing a computer program which, when executed in a computer processor, implements the steps of the above-described financial product recommendation method. It will be appreciated by those skilled in the art that implementing all or part of the above-described embodiment method may be implemented by a computer program to instruct related hardware, where the program may be stored in a computer readable storage medium, and the program may include the above-described embodiment method when executed. Wherein the storage medium may be a magnetic Disk, an optical Disk, a Read-Only Memory (ROM), a random access Memory (RandomAccessMemory, RAM), a Flash Memory (Flash Memory), a Hard Disk (HDD), a Solid State Drive (SSD), or the like; the storage medium may also comprise a combination of memories of the kind described above.
It will be apparent to those skilled in the art that the modules or steps of the invention described above may be implemented in a general purpose computing device, they may be concentrated on a single computing device, or distributed across a network of computing devices, or they may alternatively be implemented in program code executable by computing devices, such that they may be stored in a memory device for execution by the computing devices, or they may be separately fabricated into individual integrated circuit modules, or multiple modules or steps within them may be fabricated into a single integrated circuit module. Thus, the present invention is not limited to any specific combination of hardware and software.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, but various modifications and variations can be made to the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A financial product recommendation method, comprising:
obtaining a plurality of preset target accounts, wherein the target accounts comprise: the account is leaked by the funds of the other line, the account is flown into the other line, and the account is flown out of the other line; the my lost funds account is: funds flow to the I-line account of the other-line account in large quantity; the net inflow account of other lines is: a plurality of other bank accounts for receiving the outgoing funds of the banks; the net outflow account of other lines is: funds flow into other accounts of the I's accounts in large quantities; firstly, determining all the lost funds accounts, the net inflow accounts and the net outflow accounts of other lines meeting the rule according to a preset threshold calculation rule, further screening the accounts, removing invalid accounts, and finally obtaining a plurality of target accounts;
determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method, determining the business transaction classification of the target account and the corresponding transaction opponent account, screening the transaction through a preset threshold value when determining the transaction opponent account, eliminating the small-amount transaction, and only determining the transaction opponent account corresponding to the transaction meeting the preset threshold value;
according to the business transaction classification, recommending financial products for the home client of the transaction opponent account, specifically, presetting a corresponding relation between a target business transaction classification and the financial products, judging whether the business transaction classification is the target business transaction classification, if so, directly determining the corresponding financial products, and further sending financial product recommendation information to the home client of the transaction opponent account.
2. The financial product recommendation method according to claim 1, further comprising:
acquiring client information of a home client of the transaction opponent account;
recommending financial products to the home clients of the transaction opponent accounts according to the client information.
3. The financial product recommendation method according to claim 1 or 2, further comprising:
acquiring the account type of the transaction opponent account;
recommending financial products to the home clients of the counter accounts according to the account types.
4. The financial product recommendation method according to claim 1, further comprising:
acquiring a corresponding fund flow diagram of each target account, wherein the fund flow diagram comprises a plurality of points and edges, the points are used for representing the corresponding transaction opponent accounts of the target accounts, and the edges are used for representing the transactions between the target accounts and the corresponding transaction opponent accounts;
the determining the transaction opponent account of the target account by adopting the fund flow direction exploration method comprises the following steps:
and determining the counter account of the target account by adopting a fund flow direction exploration method according to the fund flow chart.
5. A financial product recommendation device, comprising:
the target account obtaining unit is used for obtaining a plurality of preset target accounts, wherein the target accounts comprise: the account is leaked by the funds of the other line, the account is flown into the other line, and the account is flown out of the other line; the my lost funds account is: funds flow to the I-line account of the other-line account in large quantity; the net inflow account of other lines is: a plurality of other bank accounts for receiving the outgoing funds of the banks; the net outflow account of other lines is: funds flow into other accounts of the I's accounts in large quantities; firstly, determining all the lost funds accounts, the net inflow accounts and the net outflow accounts of other lines meeting the rule according to a preset threshold calculation rule, further screening the accounts, removing invalid accounts, and finally obtaining a plurality of target accounts;
the upstream and downstream account searching unit is used for determining the corresponding transaction opponent account of each target account by adopting a fund flow direction exploration method, determining the business transaction classification of the target account and the corresponding transaction opponent account, screening the transaction through a preset threshold value when determining the transaction opponent account, removing small-amount transaction, and only determining the transaction opponent account corresponding to the transaction meeting the preset threshold value;
and the financial product recommending unit is used for recommending financial products to the home client of the transaction opponent account according to the business transaction classification, specifically, presetting the corresponding relation between the target business transaction classification and the financial products, judging whether the business transaction classification is the target business transaction classification or not, if so, directly determining the corresponding financial products, and further sending financial product recommending information to the home client of the transaction opponent account.
6. The financial product recommendation device of claim 5 further comprising:
a client information acquisition unit, configured to acquire client information of a home client of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the client information.
7. The financial product recommendation device of claim 5 or 6, further comprising:
an account type obtaining unit, configured to obtain an account type of the transaction opponent account;
the financial product recommending unit is further used for recommending financial products to the home clients of the counter accounts according to the account types.
8. The financial product recommendation device of claim 5 further comprising:
a fund flow diagram obtaining unit, configured to obtain a fund flow diagram corresponding to each target account, where the fund flow diagram includes a plurality of points and edges, the points are used to represent an opponent account of the transaction corresponding to the target account, and the edges are used to represent the transaction between the target account and the corresponding opponent account of the transaction;
the upstream and downstream account searching unit is specifically configured to determine an opponent account of the target account by adopting a funds flow direction searching method according to the funds flow chart.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 4 when executing the computer program.
10. A computer readable storage medium storing a computer program, characterized in that the computer program when executed in a computer processor implements the method of any one of claims 1 to 4.
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| CN112785280B (en) * | 2021-02-05 | 2022-06-14 | 福建省农村信用社联合社 | Device for pushing deposit products based on secondary legal person mode |
| CN113344577A (en) * | 2021-06-03 | 2021-09-03 | 中国工商银行股份有限公司 | Target account determination method and device, electronic equipment and storage medium |
| CN113554463A (en) * | 2021-07-21 | 2021-10-26 | 中国农业银行股份有限公司南海分行 | Capital flow direction analysis method and system |
| CN113706286A (en) * | 2021-07-23 | 2021-11-26 | 湖南三湘银行股份有限公司 | Deposit operation system and method for user-defined deposit mode |
| CN114782150B (en) * | 2022-06-21 | 2022-09-13 | 北京梦幻天下科技有限公司 | Financial product recommendation method and system based on financial product directional screening |
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| CN110941761A (en) * | 2019-11-28 | 2020-03-31 | 中国银行股份有限公司 | Product information recommendation method and device, electronic equipment and storage medium |
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| US20040002910A1 (en) * | 2002-07-01 | 2004-01-01 | Shinichi Mizukami | Financial asset management system |
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| KR20190082153A (en) * | 2017-12-29 | 2019-07-09 | 주식회사 레이니스트 | Apparatus and method for recommending financial product |
| CN108694656A (en) * | 2018-07-12 | 2018-10-23 | 太仓煜和网络科技有限公司 | A kind of financing platform based on artificial intelligence |
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