中国工商银行申请信用卡产品推荐专利，提高信用卡产品推荐准确性

Group 1 - The core point of the news is that the Industrial and Commercial Bank of China (ICBC) has applied for a patent related to a credit card product recommendation method, which aims to enhance the accuracy of credit card product recommendations using clustering and optimization algorithms [1][3]. Group 2 - ICBC was established in 1985 and is headquartered in Beijing, primarily engaged in monetary financial services [2]. - The registered capital of ICBC is approximately 35.64 billion RMB, with a paid-in capital of 24.8 billion RMB [2]. - ICBC has invested in 30 companies, participated in 5,000 bidding projects, and holds 981 trademark registrations and 5,000 patent registrations [2].