CN109191090A - Means of payment recommended method, device, equipment and computer readable storage medium - Google Patents
Means of payment recommended method, device, equipment and computer readable storage medium Download PDFInfo
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- CN109191090A CN109191090A CN201810847118.6A CN201810847118A CN109191090A CN 109191090 A CN109191090 A CN 109191090A CN 201810847118 A CN201810847118 A CN 201810847118A CN 109191090 A CN109191090 A CN 109191090A
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- Prior art keywords
- payment
- user
- characteristic
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- portrait
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
Abstract
The embodiment of the present disclosure provides means of payment recommended method, device, equipment and computer readable storage medium.Means of payment recommended method includes: to be retrieved as user to carry out characteristic required when means of payment recommendation, wherein the characteristic includes the payment behavior portrait of the user；The characteristic is analyzed using preset means of payment recommended models, generates the means of payment sequence to sort from high to low according to payment success rate；Payment affirmation instruction is received from the user；It is instructed in response to the payment affirmation, the page is presented in the means of payment, the means of payment are presented according to the means of payment sequence, it can recommend the payment highest means of payment of success rate for user, recommend the highest means of payment sequence of payment success rate simultaneously for user, additionally optimize means of payment selection process, avoid making mistakes because of user or cooperative institution side extremely caused by therefore payment efficiency can only be improved according to the means of payment sequence that user's default setting determines.
Description
Technical field
The embodiment of the present disclosure is related to field of computer technology more particularly to means of payment recommended method, device, equipment and meter
Calculation machine readable storage medium storing program for executing.
Background technique
With the popularization of intelligent terminals, people are increasingly dependent on Third-party payment mode and do shopping.Third-party payment is flat
Multiple means of payment can be set in platform.The sequential selection of the means of payment is dependent on user setting or habit (user's the last time branch
The tool of paying), when user is to being arranged insensitive (forgotten oneself be arranged payment sequence), or habit do not meet setting (on
To have used be not commonly to block for secondary payment) or cooperative institution side when occurring abnormal, the case where being easy to happen payment failure.
Therefore, a kind of means of payment sequence suggested design that can be improved payment success rate is needed.
Summary of the invention
In view of this, disclosure first aspect provides a kind of means of payment recommended method, comprising:
It is retrieved as user and carries out characteristic required when means of payment recommendation, wherein the characteristic includes described
The payment behavior of user is drawn a portrait；
The characteristic is analyzed using preset means of payment recommended models, generate according to payment success rate from
The means of payment sequence of high to Low sequence；
Payment affirmation instruction is received from the user；
It is instructed in response to the payment affirmation, the page is presented in the means of payment, payment is presented according to the means of payment sequence
Tool.
Disclosure second aspect provides a kind of means of payment recommendation apparatus, comprising:
Module is obtained, is configured as being retrieved as characteristic required when user's progress means of payment recommendation, wherein described
Characteristic includes the payment behavior portrait of the user；
Generation module is configured with preset means of payment recommended models and analyzes the characteristic, raw
At the means of payment sequence to sort from high to low according to payment success rate；
Receiving module is configured as receiving payment affirmation instruction from the user；
Module is presented, is configured to respond to the payment affirmation instruction, the page is presented according to the branch in the means of payment
The means of payment are presented in the tool sequence of paying.
The disclosure third aspect provides a kind of electronic equipment, including memory and processor；Wherein, the memory is used
In storing one or more computer instruction, wherein one or more computer instruction is executed by the processor with reality
Now method as described in relation to the first aspect.
Disclosure fourth aspect provides a kind of computer readable storage medium, is stored thereon with computer instruction, the meter
Method as described in relation to the first aspect is realized in the instruction of calculation machine when being executed by processor.
In disclosure embodiment, required characteristic when by being retrieved as user's progress means of payment recommendation,
In, the characteristic includes the payment behavior portrait of the user；Using preset means of payment recommended models to the spy
Sign data are analyzed, and the means of payment sequence to sort from high to low according to payment success rate is generated；Branch is received from the user
Pay confirmation instruction；It is instructed in response to the payment affirmation, the page is presented in the means of payment and is presented according to the means of payment sequence
The means of payment can recommend the payment highest means of payment of success rate for user, while recommend payment success rate highest for user
Means of payment sequence, additionally optimize means of payment selection process, avoid making mistakes because of user or cooperative institution side is abnormal
The caused means of payment sequence that can only be determined according to user's default setting (or habit), therefore improve payment efficiency.In addition,
Means of payment sequence recommends to complete on backstage completely, is not only restricted to payment devices, is not necessarily to user setting.Therefore, according to the disclosure
Means of payment suggested design improve payment success rate, alleviate burden for users, the user experience is improved.
These aspects or other aspects of the disclosure can more straightforwards in the following description.
Detailed description of the invention
Technical solution in order to illustrate more clearly of the embodiment of the present disclosure or in the related technology, below will be to exemplary implementation
Attached drawing needed in example or description of Related Art is briefly described, it should be apparent that, the accompanying drawings in the following description
It is some exemplary embodiments of the disclosure, for those of ordinary skill in the art, before not making the creative labor
It puts, is also possible to obtain other drawings based on these drawings.
Fig. 1 shows the flow chart of the means of payment recommended method according to one embodiment of the disclosure；
Fig. 2 shows the structural block diagrams according to the means of payment recommendation apparatus of one embodiment of the disclosure；
Fig. 3 shows the structural block diagram of the equipment according to one embodiment of the disclosure；
Fig. 4 is adapted for the computer system for realizing the content of text identification method according to one embodiment of the disclosure
Structural schematic diagram.
Specific embodiment
In order to make those skilled in the art more fully understand disclosure scheme, below in conjunction with the exemplary implementation of the disclosure
Attached drawing in example, is clearly and completely described the technical solution in disclosure exemplary embodiment.
In some processes of the description in the specification and claims of the disclosure and above-mentioned attached drawing, contain according to
Multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article suitable according to its
Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, serial number
It itself does not represent and any executes sequence.In addition, these processes may include more or fewer operations, and these operations can
To execute or execute parallel in order.It should be noted that the description such as " first " herein, " second ", is for distinguishing not
Same message, equipment, module etc., does not represent sequencing, does not also limit " first " and " second " and be different type.
Below in conjunction with the attached drawing in disclosure exemplary embodiment, to the technical solution in disclosure exemplary embodiment
It being clearly and completely described, it is clear that described exemplary embodiment is only disclosure a part of the embodiment, rather than
Whole embodiments.Based on the embodiment in the disclosure, those skilled in the art institute without creative efforts
The every other embodiment obtained belongs to the range of disclosure protection..
To promote success rate of the user in payment process, the switching rate in payment process is reduced (because of Fail Transaction or not
It is accustomed to current setting), the disclosure proposes to draw a portrait using the payment behavior of means of payment recommended models analysis user, and pushes away for user
It recommends most probable and pays the successful means of payment and the highest means of payment sequence of payment success rate.
Fig. 1 shows the flow chart of the means of payment recommended method according to one embodiment of the disclosure.This method may include
Step S101, S102, S103 and S104.
In step s101, it is retrieved as user and carries out characteristic required when means of payment recommendation, wherein characteristic
Payment behavior including stating user is drawn a portrait.
In step s 102, characteristic is analyzed using preset means of payment recommended models, is generated according to branch
Pay the means of payment sequence that success rate sorts from high to low.
In step s 103, payment affirmation instruction is received from user.
It in step S104, is instructed in response to payment affirmation, the page, which is presented, according to means of payment sequence in the means of payment is in
The existing means of payment.
In one embodiment of the present disclosure, the means of payment also refer to be alternatively used for paying when user pays
Inside and outside borrow or lend money assets tool, for example, it may be the network of bank card, bank debit, payment platform own operations
Means of payment etc..
In one embodiment of the present disclosure, can by include multiple means of payment payment platform and other cooperation
Mechanism is come characteristic required when obtaining user's progress means of payment recommendation.For example, the cashier of payment platform can be passed through
And characteristic required when user carries out means of payment recommendation is obtained with the banking network of payment platform cooperation.
In one embodiment of the present disclosure, characteristic further includes user's portrait.In one embodiment of the present disclosure,
Preset means of payment recommended models can be used to analyze the payment behavior of user portrait and user's portrait, generate according to
The means of payment sequence that payment success rate sorts from high to low.
In one embodiment of the present disclosure, in addition to including that user draws a portrait, characteristic further includes at least one of: being used
Family collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.That is, at one of the disclosure
In embodiment, characteristic may include the payment behavior portrait and user's portrait of user.In one embodiment of the present disclosure,
Characteristic can also include at least one of: user other than including the payment behavior portrait and user's portrait of user
Collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.
In one embodiment of the present disclosure, preset means of payment recommended models can be used to the payment behavior of user
Portrait, user's portrait and at least one of: user's collage-credit data, payment environment data, external sources of finance canal's moving situation
It is analyzed with product operational indicator, generates the means of payment sequence to sort from high to low according to payment success rate.In the disclosure
One embodiment in, payment environment data are also referred to such as specific mobile device model and network environment.Outside money
Golden canal's moving situation also refer to such as bank etc external sources of finance channel whether exception and external sources of finance channel
Limit etc..Product operational indicator refer to call the means of payment product the moon active users, day active users, Yong Huliu
Deposit rate, user's growth rate etc..
In one embodiment of the present disclosure, the payment behavior of the payment behavior portrait embodiment user of user, and including
At least one of following characteristics: history payment record, the history payment frequency, the payment amount, means of payment hobby, branch of user
Pay success rate, means of payment health degree, means of payment switching rate, means of payment stability, Credit Assets use habit.
In embodiment of the disclosure, the history payment record of user refer to by the cashier of payment platform and with
The history payment record for the user that the banking network of payment platform cooperation is got.The history payment frequency refers to user certain
The number of certain means of payment is used in period (in 1 year, in 3 months, in one month, in 7 days, in 1 day).Payment amount refers to
Be each means of payment amount.Means of payment hobby refers to user itself using the number of certain means of payment relative to institute
There is the percentage of transaction count.Payment success rate refers to that user's actual delivery success stroke count initiates payment stroke count divided by user.
In one embodiment, payment success rate can also include that the means of payment pay success rate, and means of payment payment success rate refers to
It is the payment stroke count that the means of payment actual delivery success stroke count of user is initiated divided by user with the means of payment.Means of payment health
Degree also refers to the operation state of the means of payment.Means of payment switching rate refers to paying successfully after user switches the means of payment
Stroke count initiates payment stroke count divided by user.Means of payment stability refer to user with a means of payment pay successfully stroke count divided by
User initiates payment stroke count by the means of payment.
In one embodiment of the present disclosure, user draw a portrait embody user property, and including in following characteristics at least
One of: record is complained in age, occupation, gender, Assets and the payment of user.
According to the associated description of the disclosure, it will be understood by those skilled in the art that characteristic is not limited to foregoing teachings, also
It can according to need using other kinds of characteristic.
In one embodiment of the present disclosure, payment affirmation instruction can be the instruction for the immediate payment that user assigns,
It can be user and payment platform signature withhold the instruction of withholing being performed after agreement.
In one embodiment of the present disclosure, preset means of payment recommended models are Logic Regression Models.
According to the associated description of the disclosure, as long as it will be understood by those skilled in the art that can divide characteristic
It analyses to generate the means of payment sequence to sort from high to low according to payment success rate, means of payment recommended models are not limited to logic and return
Return model, other kinds of model can also be used as needed.
In disclosure embodiment, required characteristic when by being retrieved as user's progress means of payment recommendation,
In, characteristic includes the payment behavior portrait of user；Characteristic is divided using preset means of payment recommended models
Analysis generates the means of payment sequence to sort from high to low according to payment success rate；Payment affirmation instruction is received from user；In response to
Payment affirmation instruction is presented the page in the means of payment and the means of payment is presented according to means of payment sequence, can recommend branch for user
The highest means of payment of success rate are paid, while recommending the highest means of payment sequence of payment success rate for user, are additionally optimized
The means of payment select processes, avoid making mistakes because of user or cooperative institution side extremely caused by can only according to user's default setting
The means of payment sequence that (or habit) determines, therefore improve payment efficiency.In addition, means of payment sequence is recommended completely on backstage
It completes, is not only restricted to payment devices, be not necessarily to user setting.Therefore, branch is improved according to the means of payment suggested design of the disclosure
Success rate is paid, alleviates burden for users, the user experience is improved.
Illustrate the means of payment recommended method according to disclosure embodiment as example using three scenes below.
Scene 1: user is insensitive to the means of payment sequence being arranged on payment platform, occur when payment Sorry, your ticket has not enough value,
Block it is unavailable etc. report an error, cause payment fail, needing user to switch the means of payment again could complete to pay.
By the means of payment recommended method according to the disclosure, the successful means of payment of most probable can be recommended.For example, with
Family is because operation activity is provided with " means of payment 1 " as the preferred means of payment (it is insensitive to be provided with payment sequence to oneself).
By cumulative analysis user 1 year payment behavior data, find user monthly the beginning of the month when to use " means of payment 2 " to pay more
(possible cause: the beginning of the month is paid out wages by the means of payment 2), so recommend " means of payment 2 " payment to user in the period at the beginning of the month,
Rather than use " means of payment 1 " of user setting.
Scene 2: user subscribes to the agreement in payment platform and withholds under special scenes, and when no user participates in, payment is flat
The means of payment are for withholing under platform active poll user name.When withholing according to default sequence, all means of payment of poll one by one are understood,
Until withholing successfully.If encountering user has multiple means of payment, polling efficiency is lower one by one.
By the means of payment recommended method according to the disclosure, the means of payment that most probable can be recommended successfully to withhold are completed
Payment promotes efficiency of withholing, and saves cost of withholing.
Scene 3: there is exception in current mechanism of the cooperative bank channel of disbursement stability of payment platform, and user is not receiving also
It still independently selects the mechanism bank card to be paid before bulletin, payment is caused to fail.
By the means of payment recommended method according to the disclosure, it can determine that the bank paying channel is different by characteristic
Often, payment success rate is lower than daily level, therefore can recommend the successful means of payment of most probable, and sort from high to low
Means of payment sequence in reduce the payment cis-position in the bank paying channel.Therefore, the payment success under abnormal conditions can be promoted
Rate.
It is described referring to means of payment recommendation apparatus of the Fig. 2 to the disclosure.
Fig. 2 shows the structural block diagrams according to the means of payment recommendation apparatus of another embodiment of the disclosure.
Means of payment recommendation apparatus as shown in Figure 2 includes obtaining module 201, generation module 202,203 and of receiving module
Module 204 is presented.
It obtains module 201 and is configured as being retrieved as characteristic required when user's progress means of payment recommendation, wherein is special
Sign data include the payment behavior portrait of user.
Generation module 202 is configured with preset means of payment recommended models and analyzes characteristic, generates
The means of payment sequence to sort from high to low according to payment success rate；
Receiving module 203 is configured as receiving payment affirmation instruction from user；
Module 204 is presented and is configured to respond to payment affirmation instruction, the page is presented according to the means of payment in the means of payment
The means of payment are presented in sequence.
In one embodiment of the present disclosure, the means of payment also refer to be alternatively used for paying when user pays
Inside and outside borrow or lend money assets tool, for example, it may be the network of bank card, bank debit, payment platform own operations
Means of payment etc..
In one embodiment of the present disclosure, can by include multiple means of payment payment platform and other cooperation
Mechanism is come characteristic required when obtaining user's progress means of payment recommendation.For example, the cashier of payment platform can be passed through
And characteristic required when user carries out means of payment recommendation is obtained with the banking network of payment platform cooperation.
In one embodiment of the present disclosure, characteristic further includes user's portrait.In one embodiment of the present disclosure,
Preset means of payment recommended models can be used to analyze the payment behavior of user portrait and user's portrait, generate according to
The means of payment sequence that payment success rate sorts from high to low.
In one embodiment of the present disclosure, in addition to including that user draws a portrait, characteristic further includes at least one of: being used
Family collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.That is, at one of the disclosure
In embodiment, characteristic may include the payment behavior portrait and user's portrait of user.In one embodiment of the present disclosure,
Characteristic can also include at least one of: user other than including the payment behavior portrait and user's portrait of user
Collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.
In one embodiment of the present disclosure, preset means of payment recommended models can be used to the payment behavior of user
Portrait, user's portrait and at least one of: user's collage-credit data, payment environment data, external sources of finance canal's moving situation
It is analyzed with product operational indicator, generates the means of payment sequence to sort from high to low according to payment success rate.In the disclosure
One embodiment in, payment environment data are also referred to such as specific mobile device model and network environment.Outside money
Golden canal's moving situation also refer to such as bank etc external sources of finance channel whether exception and external sources of finance channel
Limit etc..Product operational indicator refer to call the means of payment product the moon active users, day active users, Yong Huliu
Deposit rate, user's growth rate etc..
In one embodiment of the present disclosure, the payment behavior of the payment behavior portrait embodiment user of user, and including
At least one of following characteristics: history payment record, the history payment frequency, the payment amount, means of payment hobby, branch of user
Pay success rate, means of payment health degree, means of payment switching rate, means of payment stability, Credit Assets use habit.
In embodiment of the disclosure, the history payment record of user refer to by the cashier of payment platform and with
The history payment record for the user that the banking network of payment platform cooperation is got.The history payment frequency refers to user certain
The number of certain means of payment is used in period (in 1 year, in 3 months, in one month, in 7 days, in 1 day).Payment amount refers to
Be each means of payment amount.Means of payment hobby refers to user itself using the number of certain means of payment relative to institute
There is the percentage of transaction count.Payment success rate refers to that user's actual delivery success stroke count initiates payment stroke count divided by user.
In one embodiment, payment success rate can also include that the means of payment pay success rate, and means of payment payment success rate refers to
It is the payment stroke count that the means of payment actual delivery success stroke count of user is initiated divided by user with the means of payment.Means of payment health
Degree also refers to the operation state of the means of payment.Means of payment switching rate refers to paying successfully after user switches the means of payment
Stroke count initiates payment stroke count divided by user.Means of payment stability refer to user with a means of payment pay successfully stroke count divided by
User initiates payment stroke count by the means of payment.
In one embodiment of the present disclosure, user draw a portrait embody user property, and including in following characteristics at least
One of: record is complained in age, occupation, gender, Assets and the payment of user.
According to the associated description of the disclosure, it will be understood by those skilled in the art that characteristic is not limited to foregoing teachings, also
It can according to need using other kinds of characteristic.
In one embodiment of the present disclosure, payment affirmation instruction can be the instruction for the immediate payment that user assigns,
It can be user and payment platform signature withhold the instruction of withholing being performed after agreement.
In one embodiment of the present disclosure, preset means of payment recommended models are Logic Regression Models.
According to the associated description of the disclosure, as long as it will be understood by those skilled in the art that can divide characteristic
It analyses to generate the means of payment sequence to sort from high to low according to payment success rate, means of payment recommended models are not limited to logic and return
Return model, other kinds of model can also be used as needed.
In disclosure embodiment, by obtaining module, when being configured as being retrieved as user's progress means of payment recommendation
Required characteristic, wherein characteristic includes the payment behavior portrait of user；Generation module is configured with default
The means of payment recommended models characteristic is analyzed, generate according to the means of payment that sort from high to low of payment success rate
Sequentially；Receiving module is configured as receiving payment affirmation instruction from user；Module is presented, is configured to respond to payment affirmation
Instruction is presented the page in the means of payment and the means of payment is presented according to means of payment sequence, can recommend payment success rate for user
The highest means of payment, while recommending the highest means of payment sequence of payment success rate for user, additionally optimize payment work
Tool selection process, avoid making mistakes because of user or cooperative institution side extremely caused by can only be according to user's default setting (or habit)
Determining means of payment sequence, therefore improve payment efficiency.In addition, means of payment sequence recommends to complete on backstage completely, no
Payment devices are limited to, user setting is not necessarily to.Therefore, it is improved and is paid successfully according to the means of payment suggested design of the disclosure
Rate alleviates burden for users, and the user experience is improved.
The foregoing describe the built-in function of content of text identity device and structures, in a possible design, the text
The structure of content identification device, which can be realized, identifies equipment for content of text, and as shown in Figure 3, which may include
Processor 301 and memory 302.
The memory 302 supports content of text identity device to execute content of text in any of the above-described embodiment for storing
The program of identification method, the processor 301 are configurable for executing the program stored in the memory 302.
The memory 302 is for storing one or more computer instruction, wherein one or more computer refers to
Order is executed by the processor 301.
The processor 301 is used to execute all or part of the steps in aforementioned approaches method step.
Wherein, it can also include communication interface in the structure of the content of text mark equipment, be identified for content of text
Equipment and other equipment or communication.
Disclosure exemplary embodiment additionally provides a kind of computer storage medium, for storing the content of text mark
Computer software instructions used in device, it includes for executing in any of the above-described embodiment involved by text content identification method
Program.
Fig. 4 is adapted for the computer system for realizing the content of text identification method according to one embodiment of the disclosure
Structural schematic diagram.
As shown in figure 4, computer system 400 includes central processing unit (CPU) 401, it can be read-only according to being stored in
Program in memory (ROM) 402 or be loaded into the program in random access storage device (RAM) 403 from storage section 408 and
Execute the various processing in above-mentioned embodiment shown in FIG. 1.In RAM403, be also stored with system 400 operate it is required each
Kind program and data.CPU401, ROM402 and RAM403 are connected with each other by bus 404.Input/output (I/O) interface 405
It is also connected to bus 404.
I/O interface 405 is connected to lower component: the importation 406 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 407 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 408 including hard disk etc.；
And the communications portion 409 of the network interface card including LAN card, modem etc..Communications portion 409 via such as because
The network of spy's net executes communication process.Driver 410 is also connected to I/O interface 405 as needed.Detachable media 411, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 410, in order to read from thereon
Computer program be mounted into storage section 408 as needed.
Particularly, according to embodiment of the present disclosure, it is soft to may be implemented as computer above with reference to Fig. 1 method described
Part program.For example, embodiment of the present disclosure includes a kind of computer program product comprising be tangibly embodied in and its readable
Computer program on medium, the computer program include the program code for executing the data processing method of Fig. 1.At this
In the embodiment of sample, which can be downloaded and installed from network by communications portion 409, and/or from can
Medium 411 is dismantled to be mounted.
Flow chart and block diagram in attached drawing illustrate system, method and computer according to the various embodiments of the disclosure
The architecture, function and operation in the cards of program product.In this regard, each box in course diagram or block diagram can be with
A part of a module, section or code is represented, a part of the module, section or code includes one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yiyong
The dedicated hardware based system of defined functions or operations is executed to realize, and/or specialized hardware and meter can be used
The combination of calculation machine instruction is realized.
Being described in unit or module involved in disclosure embodiment can be realized by way of software, can also
It is realized in a manner of through hardware.Described unit or module also can be set in the processor, these units or module
Title do not constitute the restriction to the unit or module itself under certain conditions.
As on the other hand, the disclosure additionally provides a kind of computer readable storage medium, the computer-readable storage medium
Matter can be computer readable storage medium included in device described in above embodiment；It is also possible to individualism,
Without the computer readable storage medium in supplying equipment.Computer-readable recording medium storage has one or more than one journey
Sequence, described program is used to execute by one or more than one processor is described in disclosed method.
Above description is only the preferred embodiment of the disclosure and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the disclosure, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the inventive concept, it is carried out by above-mentioned technical characteristic or its equivalent feature
Any combination and the other technical solutions formed.Such as features described above has similar function with (but being not limited to) disclosed in the disclosure
Can technical characteristic replaced mutually and the technical solution that is formed.
Claims (14)
1. a kind of means of payment recommended method characterized by comprising
It is retrieved as user and carries out characteristic required when means of payment recommendation, wherein the characteristic includes the user
Payment behavior portrait；
The characteristic is analyzed using preset means of payment recommended models, generate according to payment success rate from height to
The means of payment sequence of low sequence；
Payment affirmation instruction is received from the user；
It is instructed in response to the payment affirmation, the page is presented in the means of payment, payment work is presented according to the means of payment sequence
Tool.
2. the method according to claim 1, wherein the characteristic further includes user's portrait.
3. according to the method described in claim 2, it is characterized in that, the characteristic further includes at least one of: user
Collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.
4. the payment behavior of embodiment user the method according to claim 1, wherein the payment behavior is drawn a portrait,
And including at least one of following characteristics: history payment record, the history payment frequency, the payment amount, payment work of user
Tool hobby, payment success rate, means of payment health degree, means of payment switching rate, means of payment stability, Credit Assets use habit
It is used.
5. according to the method described in claim 2, it is characterized in that, the user draw a portrait embody user property, and including with
At least one of lower feature: record is complained in age, occupation, gender, Assets and the payment of user.
6. the method according to claim 1, wherein the preset means of payment recommended models are logistic regressions
Model.
7. a kind of means of payment recommendation apparatus characterized by comprising
Module is obtained, is configured as being retrieved as characteristic required when user's progress means of payment recommendation, wherein the feature
Data include the payment behavior portrait of the user；
Generation module is configured with preset means of payment recommended models and analyzes the characteristic, and generation is pressed
The means of payment sequence to sort from high to low according to payment success rate；
Receiving module is configured as receiving payment affirmation instruction from the user；
Module is presented, is configured to respond to the payment affirmation instruction, the page is presented according to the payment work in the means of payment
The means of payment are presented in tool sequence.
8. device according to claim 7, which is characterized in that the characteristic further includes user's portrait.
9. device according to claim 8, which is characterized in that the characteristic further includes at least one of: user
Collage-credit data, payment environment data, external sources of finance canal's moving situation and product operational indicator.
10. device according to claim 7, which is characterized in that the payment behavior portrait embodies the payment behavior of user,
And including at least one of following characteristics: history payment record, the history payment frequency, the payment amount, payment work of user
Tool hobby, payment success rate, means of payment health degree, means of payment switching rate, means of payment stability, Credit Assets use habit
It is used.
11. device according to claim 8, which is characterized in that the user, which draws a portrait, embodies user property, and including with
At least one of lower feature: record is complained in age, occupation, gender, Assets and the payment of user.
12. device according to claim 7, which is characterized in that the preset means of payment recommended models are that logic is returned
Return model.
13. a kind of electronic equipment, which is characterized in that including memory and processor；Wherein, the memory is for storing one
Or a plurality of computer instruction, wherein one or more computer instruction is executed by the processor to realize that right such as is wanted
Seek the described in any item methods of 1-6.
14. a kind of computer readable storage medium, is stored thereon with computer instruction, which is characterized in that the computer instruction quilt
Processor realizes as the method according to claim 1 to 6 when executing.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810847118.6A CN109191090A (en) | 2018-07-27 | 2018-07-27 | Means of payment recommended method, device, equipment and computer readable storage medium |
| TW108117671A TW202008251A (en) | 2018-07-27 | 2019-05-22 | Payment instrument recommendation method and apparatus, device, and computer readable storage medium |
| PCT/CN2019/094906 WO2020019969A1 (en) | 2018-07-27 | 2019-07-05 | Payment instrument recommendation method and apparatus, device, and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810847118.6A CN109191090A (en) | 2018-07-27 | 2018-07-27 | Means of payment recommended method, device, equipment and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109191090A true CN109191090A (en) | 2019-01-11 |
Family
ID=64937659
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810847118.6A Pending CN109191090A (en) | 2018-07-27 | 2018-07-27 | Means of payment recommended method, device, equipment and computer readable storage medium |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN109191090A (en) |
| TW (1) | TW202008251A (en) |
| WO (1) | WO2020019969A1 (en) |
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| CN110097451A (en) * | 2019-04-01 | 2019-08-06 | 中国银联股份有限公司 | A kind of monitoring method and device of banking |
| CN110288334A (en) * | 2019-05-16 | 2019-09-27 | 阿里巴巴集团控股有限公司 | Project charging method, calculates equipment and computer readable storage medium at device |
| WO2020019969A1 (en) * | 2018-07-27 | 2020-01-30 | 阿里巴巴集团控股有限公司 | Payment instrument recommendation method and apparatus, device, and computer readable storage medium |
| CN110908746A (en) * | 2019-10-12 | 2020-03-24 | 平安银行股份有限公司 | Data processing method, system, readable storage medium and terminal equipment |
| CN110942317A (en) * | 2019-12-31 | 2020-03-31 | 中国银行股份有限公司 | Safety tool recommendation method and device |
| CN111080276A (en) * | 2019-12-31 | 2020-04-28 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium for withholding order |
| CN112685478A (en) * | 2021-02-23 | 2021-04-20 | 张雪君 | Information processing method for cloud service and user portrait mining and cloud server |
| WO2021169534A1 (en) * | 2020-02-25 | 2021-09-02 | 支付宝(杭州)信息技术有限公司 | Payment manner determination method, apparatus, system, and device |
| CN114202323A (en) * | 2021-12-16 | 2022-03-18 | 深圳前海微众银行股份有限公司 | E-commerce order payment method, system, terminal equipment and storage medium |
| CN114638629A (en) * | 2020-12-15 | 2022-06-17 | 支付宝(杭州)信息技术有限公司 | Information pushing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2020019969A1 (en) * | 2018-07-27 | 2020-01-30 | 阿里巴巴集团控股有限公司 | Payment instrument recommendation method and apparatus, device, and computer readable storage medium |
| CN110097451A (en) * | 2019-04-01 | 2019-08-06 | 中国银联股份有限公司 | A kind of monitoring method and device of banking |
| CN110097451B (en) * | 2019-04-01 | 2023-10-03 | 中国银联股份有限公司 | Bank business monitoring method and device |
| CN110288334A (en) * | 2019-05-16 | 2019-09-27 | 阿里巴巴集团控股有限公司 | Project charging method, calculates equipment and computer readable storage medium at device |
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| CN110908746A (en) * | 2019-10-12 | 2020-03-24 | 平安银行股份有限公司 | Data processing method, system, readable storage medium and terminal equipment |
| CN110942317A (en) * | 2019-12-31 | 2020-03-31 | 中国银行股份有限公司 | Safety tool recommendation method and device |
| CN111080276A (en) * | 2019-12-31 | 2020-04-28 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium for withholding order |
| WO2021169534A1 (en) * | 2020-02-25 | 2021-09-02 | 支付宝(杭州)信息技术有限公司 | Payment manner determination method, apparatus, system, and device |
| CN114638629A (en) * | 2020-12-15 | 2022-06-17 | 支付宝(杭州)信息技术有限公司 | Information pushing method and device |
| CN112685478A (en) * | 2021-02-23 | 2021-04-20 | 张雪君 | Information processing method for cloud service and user portrait mining and cloud server |
| CN112685478B (en) * | 2021-02-23 | 2022-01-14 | 爱云保(上海)科技有限公司 | Information processing method for cloud service and user portrait mining and cloud server |
| CN114202323A (en) * | 2021-12-16 | 2022-03-18 | 深圳前海微众银行股份有限公司 | E-commerce order payment method, system, terminal equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2020019969A1 (en) | 2020-01-30 |
| TW202008251A (en) | 2020-02-16 |
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