TWM584948U - Personalized financial product recommendation system - Google Patents

Abstract

A personalized financial product recommendation system includes a first host. The first host includes a storage device, a transmission device, and a processor. The transmission device is configured to receive at least one personalized information of the user. The storage device stores a preference analysis module and a customer database, in which the customer database contains the personalized information received from the transmission device. The processor is electrically connected to the storage device and the transmission device, and the processor is configured to execute the preference analysis module to generate a predicted product preference data according to the personalized information.

Description

Customized financial product recommendation system

The present invention relates to a customized financial product recommendation system.

Generally, in order to stimulate customers to purchase financial products such as funds or foreign currency deposits, various financial product advertisements are usually placed on the pages of bank websites to attract customers to click and buy. In the past, most of the ads on the page were randomly selected and displayed, so customers were often not at all interested in the ads displayed. This method of shooting birds in a random way not only results in low advertising effectiveness, but also wastes a lot of resources.

Therefore, how to choose the advertising content that customers are interested in and place the selected advertisements on the pages of the bank's website to save online marketing costs and improve marketing results has become the goal of people in related fields.

One aspect of the new model is a customized financial product recommendation system. The customized financial product recommendation system includes a first host, and the first host includes a storage device, a transmission device, and a processor. The transmission device is used to receive at least one personal information of the user. Storage device preference analysis A module and a customer database, wherein the customer database contains personalized information received from the transmission device. The processor is electrically connected to the storage device and the transmission device, and the processor is configured to execute a preference analysis module to generate predicted commodity preference data according to the personalized information.

In one embodiment, the customized financial product recommendation system further includes a second host. The second host is configured to establish a first communication link with the transmission device, and includes an information collection module, wherein the information collection module is used to collect user's personalized information.

In one embodiment, the second host includes a financial control company server or a social network server.

In one embodiment, the personalized information includes the products viewed, the number of views, the dwell time, or a combination thereof.

In one embodiment, the products viewed include live deposit, fixed deposit, foreign exchange, credit cards, funds, stocks, or loans.

In one embodiment, the customized financial product recommendation system further includes a client host. The client host is configured to establish a second communication link with the second host, wherein the user obtains the financial information provided by the second host through the client host, and at the same time returns the user's personalized information to the information collection module.

In one embodiment, the second host further includes a financial commodity information platform, and the user obtains financial information through the financial commodity information platform.

In an embodiment, the second host further includes a customized advertising module, and the customized advertising module generates at least one based on predicted product preference data. Customized marketing information, and at least one customized marketing information is provided to users through the financial commodity information platform.

In one embodiment, the at least one customized marketing information includes financial product advertisements, preferential information, event information, or a combination thereof.

In one embodiment, the second host further includes an electronic bill generation module. The electronic bill generation module is used to generate an electronic bill, and at least one customized marketing information is attached to the electronic bill.

It can be known from the above embodiments that the customized financial product recommendation system of the present disclosure generates customized marketing information of products that customers are more likely to be interested in. Compared with the random selection and display of advertisements, the customized marketing information generated by the customized financial product recommendation system is more accurate, which can attract customers to click and buy. In addition, when customers receive advertising content that they are interested in, it is less likely to cause a sense of rejection due to the advertisement, which increases purchase willingly.

The above description will be described in detail in the following embodiments, and further explanation will be provided for the novel technical solution.

In order to make the above and other objects, features, advantages and embodiments of the present invention more comprehensible, the description of the attached symbols is as follows:

10‧‧‧Customized financial commodity recommendation system

20‧‧‧Method

100‧‧‧ the first host

110‧‧‧Storage device

111‧‧‧Preference Analysis Module

112‧‧‧Customer database

120‧‧‧ processor

130‧‧‧Transmission device

200‧‧‧Second Host

210‧‧‧ Financial Commodity Information Platform

220‧‧‧Information Collection Module

230‧‧‧Customized Advertising Module

240‧‧‧Transaction Record Module

250‧‧‧Electronic bill generation module

300‧‧‧Client Host

L1, L2‧‧‧ communication link

Steps S1 ~ S9‧‧‧‧

In order to make the above and other objects, features, advantages and embodiments of the present invention more comprehensible, the description of the drawings is as follows:

FIG. 1 is a block diagram of a customized financial product recommendation system according to an embodiment of the present disclosure.

FIG. 2 to FIG. 3 are flowcharts illustrating an operation method of a customized financial product recommendation system according to an embodiment of the present disclosure.

In order to make the description of the new model more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessary restrictions on the present invention.

Please refer to FIG. 1. FIG. 1 illustrates a block diagram of a customized financial product recommendation system 10 according to an embodiment of the present disclosure. As shown in FIG. 1, the customized financial product recommendation system 10 includes a first host 100, a second host 200, and a client host 300. Specifically, the first host 100 includes a storage device 110, a processor 120, and a transmission device 130. In terms of connection, the processor 120 is electrically connected to the storage device 110 and the transmission device 130.

The storage device 110 stores a preference analysis module 111 and a customer database 112. In some embodiments, the storage device 110 may be a hard disk, a flash memory, or other recording media, but is not limited thereto. The customer database 112 contains at least one personalized information of a customer. In some embodiments, the personalized information includes a product viewed by the customer, the number of views, the dwell time, or a combination thereof. It should be understood that the personalized information is acquired through the second host 200 and transmitted to the first host 100 for storage in the storage device 110, which will be described in detail later.

The transmission device 130 is configured to receive the personalized information, and thereby store the personalized information in the customer database 112. In some embodiments, the transmission device 130 may be a wireless transceiver, a network card or other communication device. Set, but not limited to this.

The processor 120 is configured to execute a preference analysis module 111. When the preference analysis module 111 is executed, the preference analysis module 111 generates predicted product preference data according to the customer's personalized information. The predicted product preference data is then transmitted to the second host 200 to generate customized marketing information (eg, advertisements, discount messages), which will be described in detail later. In some embodiments, the processor 120 may be a central processing unit, a microcontroller, or other circuits, but is not limited thereto.

The second host 200 is configured to establish a first communication link L1 with the transmission device 130. Therefore, the personalized information and predicted product preference data can be transmitted through this communication link L1. Specifically, the second host 200 includes a financial commodity information platform 210, an information collection module 220, a customized advertisement module 230, and a transaction record module 240.

In some embodiments, the second host 200 is, for example, a server of a financial control company or a server of a social networking site, but is not limited thereto. For example, in the embodiment where the second host 200 is a server of a financial control company, the financial commodity information platform 210 may be a bank website that provides various financial information for customers. The financial information includes, but is not limited to, living deposit, fixed deposit, foreign exchange, credit cards, funds, stocks, or loans.

The information collection module 220 is used to collect personal information of users (ie customers). As mentioned above, the personalized information is obtained through the second host 200 and transmitted to the first host 100 for storage in the storage device 110. In detail, when the user obtains financial information through the financial commodity information platform 210 of the second host 200, the user's personalized information will be fed back at the same time To the information collection module 220. For example, when a user obtains financial information through a bank website, the user's personal information (such as information about the product viewed by the user, the number of views, and the length of stay) is collected by the information collection module 220 and transmitted to the first Host 100. The commodities browsed by the user may include various financial information (such as live deposit, fixed deposit, foreign exchange, credit card, fund, stock, or loan, etc.) provided by the financial commodity information platform 210.

The customized advertising module 230 is configured to generate at least one customized marketing information according to the predicted product preference data. In detail, when the preference analysis module 111 generates predicted product preference data of the user and transmits it to the second host 200, the customized advertising module 230 generates customized marketing information based on the predicted product preference data. . Since the predicted product preference data is generated by analyzing personal information such as the product viewed by the user, the number of views, and the dwell time, the customized marketing information generated by the customized advertising module 230 is usually of interest to the user. And can attract users to click and buy. In some embodiments, the customized marketing information includes financial product advertisements, preferential information, event information, or a combination thereof, but is not limited thereto. After that, when the user is connected to the financial product information platform 210 again, customized marketing information can be provided to the user through the financial product information platform 210 to attract users to click and purchase. For example, when a user browses a bank website, a financial product advertisement is played, or a preferential message is displayed on the page.

The transaction record module 240 is used to record user transaction information. In some embodiments, the transaction information includes the type of the transaction product (eg, live deposit, fixed deposit, foreign exchange, credit card, fund, stock or loan, etc.), transaction time, and the like. In detail, when the user passes the financial commodity information of the second host 200 When the information platform 210 performs a financial commodity transaction (such as applying for a credit or a home loan), the user's transaction information will be recorded by the transaction record module 240 and transmitted to the first host 100. Then, the transaction information is stored in the customer database 112 of the first host 100. Accordingly, the preference analysis module 111 generates predicted product preference data based on the transaction information in addition to the aforementioned personalized information of the customer. For example, a customer has made a mortgage application on the financial commodity information platform 210, so the transaction record module 240 records the transaction information of the customer's mortgage application and stores it in the customer database 112 after transmitting to the first host 100 . Then, the preference analysis module 111 transmits the predicted commodity preference data generated according to the transaction information of the mortgage application to the second host 200. The customized advertising module 230 can generate customized marketing information about mortgage-related insurance and the like based on the predicted commodity preference data.

The client host 300 is configured to establish a second communication link L2 with the second host 200. In some embodiments, the client host 300 is an electronic device, such as a personal computer, a notebook computer, a tablet computer, or a mobile phone, but is not limited thereto. Specifically, the user can connect to the financial commodity information platform 210 through the client host 300 to obtain various financial information provided by the financial commodity information platform 210 (such as live deposit, fixed deposit, foreign exchange, credit cards, funds, stocks, or loans, etc. ).

In some embodiments, the second host 200 further includes an electronic bill generation module 250. In detail, the electronic bill generation module 250 is used to generate an electronic bill (such as a credit card bill). The user can browse or download the electronic bill by linking to the financial commodity information platform 210. Alternatively, the e-bill can be emailed to the customer's email address site. In some embodiments of the present invention, the customized marketing information generated is appended to an electronic bill to attract customers to click and purchase. For example, placing financial product advertisements and offers of interest to customers on electronic bills.

In order to describe the operation mode of the customized financial product recommendation system 10 in detail, the following description will be made with reference to FIGS. 2 to 3. FIG. 2 to FIG. 3 are flowcharts showing the operation method 20 of the customized financial product recommendation system. It should be understood that the steps mentioned in Figures 2 to 3 can be adjusted according to actual needs, except for those that are specifically described in order. They can also be performed simultaneously or partially at the same time. Steps or omit some steps.

First, please refer to FIGS. 1 to 3 at the same time. In step S1, the client connects to the financial commodity information platform 210 through the client host 300 to browse and obtain various financial information (such as live deposit, fixed deposit, foreign exchange, credit card, Funds, stocks or loans, etc.).

Next, in step S2, the information collection module 220 collects personal information of the customer (for example, information about the product browsed by the customer, the number of views, and the stay time). Specifically, when the customer is connected to the financial commodity information platform 210 to obtain financial information, his personal information will be fed back to the information collection module 220 at the same time.

Next, in step S3, the personalized information is transmitted to the first host 100 and stored in the customer database 112.

In step S4, the processor 120 executes the preference analysis module 111 to generate predicted commodity preference data. Specifically, when the preference analysis module 111 is executed, the preference analysis module 111 generates predicted product preference data according to the personalized information of the customer.

Next, in step S5, the predicted commodity preference data is transmitted to the second host 200.

Next, in step S6, the customized advertising module 230 generates customized marketing information (such as financial product advertisements, preferential information, event information, or a combination thereof) according to the predicted product preference data.

In step S7, the customized marketing information is provided to the customer through the financial commodity information platform 210. Specifically, when the customer is connected to the financial commodity information platform 210 through the client host 300, the customized marketing information is provided to the customer. For example, when a customer browses a bank website, a financial product advertisement is played, or a preferential message is presented on the page.

In some embodiments where the second host 200 further includes an electronic bill generation module 250, the method 20 further includes steps S8 to S9. Step S8 is followed by step S6. In step S8, the electronic bill generation module 250 generates an electronic bill, and the customized marketing information is attached to the electronic bill.

Next, in step S9, the customer browses or downloads the electronic bill by linking to the financial commodity information platform 210 or by receiving an email.

The following embodiments are described in detail to describe the operation method of the customized financial product recommendation system of the present disclosure. However, the following examples are not intended to limit the present disclosure. In addition, when reading the following examples, please also refer to FIG. 1 to understand the present disclosure in more detail.

Example 1

Ms. A is connected to the website of the financial control company (that is, the financial commodity information platform) set up on the second host 200 through her mobile phone (ie the client host 300). 210), and click to browse foreign currency exchange rate, foreign currency fixed deposit and other related information. The information collection module 220 collects personalized information such as the products browsed by Ms. A, the number of views, and the dwell time, and transmits the personalized information to the first host 100 for storage in the customer database 112. The processor 120 executes a preference analysis module 111 to generate predicted commodity preference data based on personalized information such as the commodity (foreign currency exchange rate, foreign currency fixed deposit), number of views, and dwell time browsed by Miss A. The predicted commodity preference data is then transmitted to the second host 200, and the customized advertising module 230 generates customized marketing information on foreign exchange, foreign currency fixed deposit, etc. based on the predicted commodity preference data. Afterwards, when Miss A was again connected to the website of the financial control company of the second host 200, the website displayed advertisements of foreign exchange and foreign currency deposits, or presented preferential messages of foreign exchange and foreign currency deposits on the page.

Example 2

Ms. B, via her mobile phone (ie client host 300), connects to her bank's Facebook account (ie, financial product information platform 210) and clicks to browse funds and other related information. Next, similar to Embodiment 1, the information collection module 220, preference analysis module 111, and customized advertising module 230 collect personal information of Miss B, generate predicted product preference data, and generate customers about the fund. Customized marketing information. Later, when Ms. B was linked to the website of the financial control company, she displayed fund advertisements or presented fund project content on the website. The contents of the fund project can be the fund recommended according to the risk assessment test results of Miss B, and a transaction link button (the fund code, debit account number, etc.) has been provided on the website to improve the visibility and transaction rate of the promotional products.

Example 3

Mr. C uses a tablet computer (ie, client host 300) to connect to the website of the financial control company (ie, financial product information platform 210) set up on the second host 200, and operates RMB fixed deposit. Next, similar to Embodiment 1, the information collection module 220, preference analysis module 111, and customized advertising module 230 respectively collect Mr. C's personalized information, generate predicted product preference data, and generate fixed deposits about RMB. Customized marketing information. After that, when Mr. C linked to the website of the financial control company again, on that website, the preferential project content of RMB fixed deposit was presented, and related project link buttons were provided (the interest rate, amount, foreign currency credit account number and other conditions have been set), Improve the visibility and turnover of promotional items.

In summary, this new type of customized financial product recommendation system collects personal information such as the products viewed by customers, the number of times viewed, and the dwell time, and then generates a more likely customer feeling through the preference analysis module and customized advertising module. Customized marketing information for products of interest. Compared with the random selection and display advertisements described in the previous technology, the customized marketing information generated by the new customized financial product recommendation system is more accurate, which can attract customers to click. In addition, when customers receive advertising content that they are interested in, it is less likely to cause a sense of rejection due to the advertisement, which increases purchase willingly.

Although the new model has been disclosed as above, it is not intended to limit the new model. Any person skilled in the art can make various modifications and retouches without departing from the spirit and scope of the new model. Therefore, the new model is protected. The scope shall be determined by the scope of the attached patent application.

Claims (10)

A customized financial commodity recommendation system includes: a first host, including: a transmission device for receiving at least one personal information of a user; a storage device for storing a preference analysis module and a customer database, The customer database includes the personalized information received from the transmission device; and a processor electrically connected to the storage device and the transmission device for executing the preference analysis module to generate the personalization information based on the personalized information. -Predicted commodity preference data. For example, the customized financial product recommendation system for item 1 of the patent application scope further includes: a second host configured to establish a first communication link with the transmission device, and including an information collection module, wherein the information collection module The team collects this personalized information from users. For example, the application for a customized financial product recommendation system in the second scope of the patent application, wherein the second host includes a financial control company server or a social networking site server. For example, the customized financial product recommendation system for item 2 of the patent application scope, wherein the personalized information includes the product viewed, the number of times viewed, the dwell time, or a combination thereof. For example, if you apply for a customized financial product recommendation system in item 4 of the patent scope, the browsed products include live deposit, fixed deposit, foreign exchange, credit cards, funds, stocks, or loans. For example, the customized financial product recommendation system for item 2 of the patent application scope further includes: a client host configured to establish a second communication link with the second host, wherein a user obtains the second through the client host The financial information provided by the host computer, and at the same time, the personal information of the user is fed back to the information collection module. For example, the customized financial product recommendation system for item 6 of the patent scope, wherein the second host further includes a financial product information platform, and the user obtains the financial information through the financial product information platform. For example, the customized financial product recommendation system for item 7 of the patent scope, wherein the second host further includes a customized advertising module, and the customized advertising module generates at least one customized product based on the predicted product preference data. Marketing information, and the at least one customized marketing information is provided to the user through the financial commodity information platform. For example, the customized financial product recommendation system for item 8 of the patent scope, wherein the at least one customized marketing information includes financial product advertisements, preferential information, event information, or a combination thereof. For example, the customized financial product recommendation system for item 8 of the patent scope, wherein the second host further includes an electronic bill generation module, the electronic bill generation module is used to generate an electronic bill, wherein the at least one Customized marketing information is attached to the electronic bill.