Collaborative filtering, one of the most widely used techniques to build recommender systems, is based on the idea that users with similar preferences can help one another find useful items. Credit card user behavior analytics show that most customers hold three or less credit cards without duplicates. This behavior is one of the most influential factors to data sparsity. The ‘cold-start’ problem caused by data sparsity prevents recommender system from providing recommendation properly in the personalized credit card recommendation scenario. We propose a personalized credit card recommender system to address the cold-start problem, using multiple user profiles. The proposed system consists of a training process and an application process using five user profiles. In the training process, the five user profiles are transformed to five user networks based on the cosine similarity, and an integrated user network is derived by weighted sum of each user network. The application process selects k-nearest neighbors (users) from the integrated user network derived in the training process, and recommends three of the most frequently used credit card by the k-nearest neighbors. In order to demonstrate the performance of the proposed system, we conducted experiments with real credit card user data and calculated the F1 Values. The F1 value of the proposed system was compared with that of the existing recommendation techniques. The results show that the proposed system provides better recommendation than the existing techniques. This paper not only contributes to solving the cold start problem that may occur in the personalized credit card recommendation scenario, but also is expected for financial companies to improve customer satisfactions and increase corporate profits by providing recommendation properly.

In this paper, the author devised new decision recommendation ordering method of items attributed by age to improve accuracy of recommender system. In conventional recommendation system, recommendation order is decided by high order of preference prediction. However, in this paper, recommendation accuracy is improved by decision recommendation order method that reflect age attribute of target customer and neighborhood in preference prediction. By applying decision recommendation order method to recommender system, recommendation accuracy is improved more than conventional ordering method of recommendation.

In this paper, the author proposed following two methods to improve the accuracy of the recommender system. First, in order to classify the users more accurately, the author used a EMC(Expanded Moving Center) heuristic algorithm which improved clustering accuracy. Second, the author proposed the Neighborhood-oriented preference prediction method that improved the conventional preference prediction methods, so the accuracy of the recommender system is improved. The test result of the recommender system which adapted the above two methods suggested in this paper was improved the accuracy than the conventional recommendation methods.