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    • 2. 发明申请
    • RANKING COMMERCIAL OFFERS BASED ON USER FINANCIAL DATA
    • 根据用户财务数据划分商业价格
    • US20090198602A1
    • 2009-08-06
    • US12023959
    • 2008-01-31
    • Gang WangCaitlin Smallwood
    • Gang WangCaitlin Smallwood
    • G06Q40/00G06F17/11
    • G06Q30/02G06Q40/00
    • One embodiment of the present invention provides a system that ranks commercial offers for a user in a set of users. During operation, the system receives financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories. Next, for a given user, the system computes an individual-strength vector based on financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user. The system additionally computes a relative-strength vector for the given user based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending strength across the set of categories for the given user relative to the set of users. The system then ranks the commercial offers for a user based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users.
    • 本发明的一个实施例提供一种系统,其对一组用户中的用户进行商业报价的排序。 在操作期间,系统接收用户组的财务数据,其中财务数据包括一组类别中的用户组的支出数据。 接下来,对于给定的用户,系统基于给定用户特有的财务数据来计算个体强度向量,其中个体强度向量中的每个条目表示给定用户在相应类别中的支出量。 系统还基于用户组的财务数据另外计算给定用户的相对强度向量,其中相对强度矢量表示针对给定用户的该组类别相对于该组的相对强度向量 用户 然后,该系统基于用户集合的一组个体强度向量和一组相对强度向量来排列用户的商业报价。