Point using method for bank integrated platform

The invention discloses an integral use method for a bank integrated platform, which comprises the following steps: step 1, collecting user basic information, user integral information and user commodity information, the user integral information comprising integral obtaining information, integral use frequency, integral exchange type, integral use time and integral balance; 2, verifying the point obtaining information through the basic information of the user, judging whether the point obtaining information is abnormal or not, and carrying out corresponding processing on a point account according to an abnormal judgment result; 3, processing the user point information to obtain point use habit classification information; 4, analyzing the commodity information of the user to obtain preference information of the user; and 5, directionally pushing activity information to the user according to the integral use habit classification information. According to the method, the user demand change can be responded more