基于机器学习的微表情识别在金融行业智能营销中的盈利函数分析

Jiawei Zhang, Zizhao Dong, Su-Jing Wang
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引用次数: 0

摘要

微表情识别在金融领域有着广泛的应用。MER是基于机器学习或深度学习算法建立分类模型,从视频中捕捉人脸细微的表情变化。我们提出了一个混合智能营销方案(HIMS)。在HIMS中,首先,系统根据大数据分析结果自动向客户推荐产品,同时实时监控客户的情绪变化。当系统检测到客户有负面情绪时,营销方案转为手动模式。HIMS的关键步骤是通过MER模型监测客户的情绪变化。HIMS的优势在于可以在降低营销成本的同时保证更大的营销规模、更高的营销效率、更低的投诉率。基于真实的营销场景,推导出利润函数并给出分析结果。实验结果表明,在多参数配置下,HIMS的利润大于大数据营销方案,增长幅度为8.8-12.8倍。对于顾客投诉较多的产品,这种优势变得显著,对商品价值不敏感,具有较强的鲁棒性。
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Micro Expression Recognition by Machine Learning Based Profit Function Analysis in Intelligent Marketing of Financial Industry
Microexpression recognition (MER) has wide applications in the financial industry. MER is based on machine learning or deep learning algorithm to establish a classification model to capture the subtle expression changes of the face from the video. We propose a hybrid intelligent marketing scheme (HIMS). In the HIMS, firstly, the system automatically recommends products to customers according to the Big data analysis results, while monitoring the emotional changes of customers in real-time. When the system detects that customers have negative emotions, the marketing scheme turns to manual mode. The key step of HIMS is to monitor the emotional changes of customers through the MER model. The advantage of HIMS is that it can reduce marketing costs while ensuring a larger marketing scale, higher marketing efficiency, and lower complaint rate. Based on the real marketing scenario, we deduce the profit function and give the analysis results. The experimental results show that under multiple parameter configurations, the profit of HIMS is greater than that of the Big data marketing scheme with an increase of 8.8-12.8 times. For products with more customer complaints, this advantage becomes significant and is insensitive to commodity value and has strong robustness.
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