CN111861044B - Urban merchant access cloud platform system and working method - Google Patents
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Abstract
The invention provides an urban merchant access cloud platform system and a working method thereof, wherein the system comprises the following steps: the user information management module is used for sending the user registration information and commodity ordering information to the merchant information management cloud platform and the fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform; the merchant information management cloud platform is used for receiving the merchant data sent by the merchant information front-end module and pushing the merchant data to the user information front-end module according to the merchant classification, the user preference label and the merchant priority level; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module; the fund management module is used for finishing user registration according to the user registration information; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account. The system can accurately and classifiably push the merchant data required by the user.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an urban merchant access cloud platform system and a working method thereof.
Background
Along with the development of social economy, various merchants with large and small sizes are spread in cities, and huge and miscellaneous merchant data are filled in the lives of users, such as marketing activity promotion information, store related information and the like, so that the users experience is poor due to disorder and disorder, and merchant information cannot be timely transmitted to the users.
Disclosure of Invention
The embodiment of the invention provides an urban merchant access cloud platform system which is used for accessing vast and miscellaneous merchant data and pushing the merchant data to a user accurately and in a classified manner, and the system comprises:
the user information front end module is used for receiving user registration information and commodity ordering information sent by the user end;
the user information management module is used for sending the user registration information and commodity ordering information to the merchant information management cloud platform and the fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform;
the merchant information front-end module is used for receiving merchant data input by a merchant; monitoring and verifying the merchant data recorded by the merchant, recording the number of times that the merchant data of the merchant is checked to be wrong, when the number exceeds a preset threshold, listing the merchant into a blacklist of an urban merchant access cloud platform system, and deleting the merchant data of the merchant in a merchant information management cloud platform;
the merchant information management cloud platform is used for determining merchant classifications of corresponding merchants according to the merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and a user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module;
the fund management module is used for finishing user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; the bank payment and financial management system is in butt joint, so that the user account funds are completed, the financial accounts connected with the financial payment butt joint fund management module are responsible for managing the user funds, the bank financial payment fund system is in butt joint, and the payment function and the order management function are realized; accessing a personal financial account of a user according to financial account information in the user registration information, and supervising the account of the user with low credibility or problematic credit;
wherein the merchant data comprises at least:
one or any combination of marketing campaign popularization information, store related information and commodity related information.
The embodiment of the invention also provides a working method of the urban commercial tenant access cloud platform, which is used for accessing the vast commercial tenant data and pushing the commercial tenant data to users accurately and in a classified manner, and comprises the following steps:
the user information front end module receives user registration information and commodity ordering information sent by a user end;
the user information management module is used for sending the user registration information and commodity ordering information to the merchant information management cloud platform and the fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform;
the system comprises a merchant information front-end module, a merchant information management cloud platform and a merchant information management cloud platform, wherein the merchant information front-end module receives merchant data recorded by a merchant, performs supervision and verification on the merchant data recorded by the merchant, records the number of times that the merchant data of the merchant is checked to be wrong, lists the merchant into a blacklist of the urban merchant access cloud platform system when the number of times exceeds a preset threshold, and deletes the merchant data of the merchant in the merchant information management cloud platform;
the merchant information management cloud platform determines merchant classifications of corresponding merchants according to the merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and a user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module;
the fund management module is used for completing user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; the bank settlement and financial management system is docked to finish settlement and financial management of funds of the user account; the financial account connected with the money management module is responsible for managing user money, interfacing with the bank financial fund system, realizing a settlement function and an order management function;
accessing a personal financial account of a user according to financial account information in the user registration information, and supervising the account of the user with low credibility or problematic credit;
wherein the merchant data comprises at least:
one or any combination of marketing campaign popularization information, store related information and commodity related information.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the working method of the urban merchant accessing to the cloud platform is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the working method of the urban merchant accessing to the cloud platform when being executed by a processor.
In the embodiment of the invention, the user registration information and commodity ordering information sent by the user side are received by setting the user information front end module; setting a user information management module, and sending user registration information and commodity ordering information to a merchant information management cloud platform and a fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform; setting a merchant information front-end module, and receiving merchant data input by a merchant; setting a merchant information management cloud platform, and determining merchant classifications of corresponding merchants according to merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and the user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module; setting a fund management module, and finishing user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account. Various information filled in by the user at the user end is uniformly managed and maintained by the merchant information management cloud platform, so that personal information of users is prevented from being purchased and sold by illegal merchants; through the bank settlement and financial management system, the user can obtain interest while transacting the member card or the stored value card of the commercial tenant to enjoy the member service; the stored value card transacted by the user on the urban merchant access cloud platform system can be commonly used on the merchant information management cloud platform, is not only limited to a single merchant, realizes circulation of user funds, avoids illegal merchant pits from damaging the stored value card of the user, and ensures the safety of the user funds; the merchant information management cloud platform system ensures that various merchants can be accessed, and pushes merchant data to users according to merchant classification, user preference labels and merchant priority levels, so that sharing of merchant information is realized, and the requirements of users are accurately met; the cloud platform capable of accessing the complex merchant data is constructed, and the merchant data required by the user is accurately and classifiably pushed to the user according to the user requirements.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic structural diagram of an access cloud platform system for an urban merchant in an embodiment of the invention.
Fig. 2 is a schematic structural connection diagram of an access cloud platform system of an urban merchant in the implementation of the present invention.
Fig. 3 is a schematic diagram of a working method of an access cloud platform system of an urban merchant in an embodiment of the invention.
Fig. 4 is a schematic diagram of a working method of an access cloud platform system of an urban merchant according to an embodiment of the invention.
Fig. 5 is a schematic diagram of a working method of an access cloud platform system of an urban merchant according to another embodiment of the invention.
Fig. 6 is a schematic diagram of a working method of an urban merchant access cloud platform system according to another embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The embodiment of the invention provides an urban merchant access cloud platform system 1 which is used for accessing vast and miscellaneous merchant data and pushing the merchant data to a user accurately and in a classified manner, and a specific structure block diagram is shown in fig. 1, and the system comprises:
the user information front end module 101 is configured to receive user registration information and commodity ordering information sent by a user terminal;
the user information management module 102 is configured to send user registration information and commodity ordering information to the merchant information management cloud platform and the fund management module; recording user operation history information provided by the user information front-end module 101, and providing the user operation history information to the merchant information management cloud platform;
the merchant information front-end module 103 is used for receiving merchant data input by a merchant;
the merchant information management cloud platform 104 is configured to determine a merchant classification of a corresponding merchant according to the merchant data and a preset merchant classification; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and the user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by the merchant information front-end module, and pushing the merchant data to the user information front-end module 101 according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module 105 to a corresponding merchant information front-end module 103;
a fund management module 105, configured to complete user registration according to the user registration information; sending commodity ordering information to the merchant information management cloud platform 104; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account.
In the embodiment of the invention, the user registration information and commodity ordering information sent by the user side are received by setting the user information front end module 101; the user information management module 102 is arranged to send the user registration information and commodity ordering information to the merchant information management cloud platform 104 and the fund management module 105; recording user operation history information provided by the user information front-end module 101, and providing the user operation history information to the merchant information management cloud platform 104; a merchant information front-end module 103 is arranged to receive merchant data input by a merchant; setting a merchant information management cloud platform 104, and determining merchant classifications of corresponding merchants according to merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and the user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by the merchant information front-end module 103, and pushing the merchant data to the user information front-end module 101 according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module 103; setting a fund management module 105, and completing user registration according to the user registration information; sending commodity ordering information to the merchant information management cloud platform 104; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account. Various information filled in by the user at the user end is uniformly managed and maintained by the merchant information management cloud platform 104, so that personal information of users is prevented from being purchased and sold by illegal merchants; through the bank settlement and financial management system, the user can obtain interest while transacting the member card or the stored value card of the commercial tenant to enjoy the member service; the stored value cards transacted by users on the urban merchant access cloud platform system 1 can be commonly used on the merchant information management cloud platform 104, so that the circulation of user funds is realized, the occurrence of illegal merchant pits harmful to the user stored value card behaviors is avoided, and the safety of the user funds is ensured; the merchant information management cloud platform system 1 ensures that various merchants can be accessed, and pushes merchant data to users according to merchant classification, user preference labels and merchant priority levels, so that sharing of merchant information is realized, and the requirements of users are accurately met; the cloud platform capable of accessing the complex merchant data is constructed, and the merchant data required by the user is accurately and classifiably pushed to the user according to the user requirements.
In specific implementation, the merchant data at least includes: one or any combination of marketing campaign popularization information, store related information and commodity related information. Marketing campaign promotion information refers to promotion information of marketing campaigns such as various promotions or discounts of merchants, such as half-price preference, full one-time delivery, full 100 minus 50, or stored value cards to store can be discounted by 8 discounts. The store related information includes: shop location information, shop qualification information, shop classification information and the like, such as the specific location of the shop, the business district where the shop is located, whether the shop has business qualification, validity period information of related certificates and account information of the shop; the shops belong to specific shop related information such as restaurants or supermarkets. The commodity-related information includes: the commodity name, the production place, the validity period, the price, the preferential discount, the participating store activities and the like can enable the user to know the related information of the commodity.
Each merchant enters the merchant data through the merchant information front-end module 103, the merchant information front-end module 103 displays an interface for filling and modifying merchant information, and the merchant can conveniently and rapidly fill in data on a mobile terminal (a mobile phone or a computer) and upload the pictures of the evidence. The merchant information front-end module 103 can provide an operation page for the merchant end, so that the merchant can perform the loading and unloading actions of commodities after logging in the mobile end, bind the bank financial account of the merchant for collection, popularize marketing activities, enter, increase and modify preferential information and the like.
In order to ensure the quality of the merchant and prevent illegal merchants from damaging users, in a specific embodiment, the merchant information front-end module 103 is further configured to: and (3) supervising and verifying the merchant data recorded by the merchant, recording the times of incorrect merchant data verification of the merchant, and when the times exceed a preset threshold, listing the merchant in a blacklist of the urban merchant access cloud platform system 1, and deleting the merchant data of the merchant in the merchant information management cloud platform 104. When the verification of the merchant data is wrong, the merchant is warned and reminded to confirm and refill relevant information, for example, when store qualification is not consistent with store content, the merchant is reminded and recorded to verify the wrong number when the conditions such as poor credit of store legal personnel occur, and once the wrong number exceeds a preset threshold value, for example 5 times, the merchant is listed in a blacklist of the urban merchant access cloud platform system 1, and when the merchant is recorded again, the merchant is not registered, and all merchant data of the merchant in the merchant information management cloud platform 104 are deleted.
In a specific embodiment, the user registration information specifically includes a nickname of the user, personal information of the user, financial account information of the user, location information, preset preference, contact information, login password, and the like, and the user can log in the city merchant at the mobile terminal, such as a mobile phone, a computer, and the like, access the cloud platform system 1, and place an order on the commodity of the user's cardiology instrument at the user end, and can set the ordered commodity, the distribution mode, the delivery time, the special requirement of the user, and the like.
The user information management module 102 is configured to send the user registration information and the commodity ordering information to the merchant information management cloud platform and the fund management module. Meanwhile, when a user accesses the cloud platform system 1 by using an urban merchant, the user operation history information provided by the user information front-end module 101 is recorded, and the user operation history information is provided to the merchant information management cloud platform 104. The user operation history information comprises information such as browsing records of the user, evaluation of purchased commodities or merchants by the user, stored value records of the user, member participation conditions of the user, historical positions of the user and the like.
The merchant information management cloud platform 104 serves as a core of the urban merchant access cloud platform system 1, receives user registration information and user operation history information sent by the user information management module 102 for a user side, uniformly manages and maintains all information of a user, and sets a security protection mechanism to prevent user information from being leaked or acquired by merchants, so that personal information of users purchased by illegal merchants is avoided. And determining the user preference label of the corresponding user according to the user registration information, the user operation history information and the user preference label prediction model so as to accurately push the merchant information of interest to the user. The user preference label prediction model is a neural network model pre-established according to test data, wherein the test data can be obtained through big data investigation or repeated testing by a tester, and the test data comprises personal information of the user, position information, personal selection preference, browsing records, evaluation and opinion of various commodities or merchants and final merchant preference selection data. Based on the test data, a neural network model for predicting the user preference label is established, and in order to more accurately predict the user preference label, a 3-layer neural network building model can be selected when the method is implemented. The user preference may specifically include data of user preference or demand such as merchant type, distance from the location, and demand goods in different time periods.
For the merchant side, after receiving the merchant data entered by the merchant, the merchant information management cloud platform 104 determines the merchant classification corresponding to the merchant according to the merchant data and the preset merchant classification, wherein the preset merchant classification is that the urban merchant accesses the cloud platform system 1 to obtain the classification of the merchant based on a large amount of data statistics, including basic classification or refined classification under large classification, and the like. The merchant information management cloud platform 104 performs data analysis and matching according to each item of content of merchant data to obtain merchant classification corresponding to the data. In addition, the merchant information management cloud platform 104 further presets the weight of each item of information in the merchant data, for example, according to methods such as principal component analysis, user satisfaction, merchant service quality, commodity quality and the like are taken as evaluation indexes, the weight relation among each item of information in the merchant data is analyzed, for example, a weight value table of each item of information is obtained, the merchant information management cloud platform 104 calculates the comprehensive score of each merchant according to the recorded merchant data and the preset weight value table of each item of information in the merchant data, and determines the priority level of the corresponding merchant according to the score, and the priority level of the merchant with high score is high.
In order to more precisely push merchants of interest to the user, the merchant information management cloud platform 104 is specifically configured to:
the merchant data is pushed to the user information front-end module 101 according to the merchant classification, user preference label and merchant priority level, and according to the location of the user.
Thus, in particular embodiments, merchant information management cloud platform 104 is further configured to: determining the position of the user according to the user registration information; or, determining the position of the user according to the user positioning information provided by the user information front-end module 101 through the user information management module. If there is user positioning information provided by the user information front-end module 101 via the user information management module, the user positioning information is preferentially used. If the user terminal can not acquire the positioning information temporarily or the positioning information fails, the user terminal defaults to select the common position information in the user registration information to determine the position of the user. The merchant information management cloud platform system 1 can ensure that various merchants can be accessed, and pushes merchant data to users according to merchant classification, user preference labels and merchant priority levels, so that sharing of merchant information is realized, real-time pushing to real-time merchant information which is most interesting for users and meets the requirements of the users is realized, and the requirements of the users are accurately met.
By setting a fund management module 105, the module is used for completing user registration according to the user registration information; sending commodity ordering information to the merchant information management cloud platform 104; and the bank settlement and financial management system is docked, settlement and financial management of user account funds are completed, transaction between the user and the merchant in the urban merchant access cloud platform system 1 can be realized, and funds flow is realized. Conventional store membership cards or stored value cards require users to transact in a single store, and are difficult to take out after recharging, which causes the risks of freezing funds and certain property loss, so that many users are unwilling to transact, unattractive, even some chain stores cannot be directly used for each other, and only a single store can transact a single stored value card. By arranging the fund management module to butt joint the bank settlement and financial management system, when a user transacts a stored value card and a VIP (virtual important person) membership card on each merchant or transacts a unified membership card or a stored value card on the urban merchant access cloud platform system 1, the virtual account is directly butt joint with the bank financial management fund system, so that the user can obtain interest while transacting the merchant membership card or the stored value card to enjoy member services. The stored value card transacted by the user on the access cloud platform system 1 of the urban merchant can be commonly used on the access cloud platform system 1 of the urban merchant, is not only limited to a single merchant, realizes the circulation of user funds, avoids the occurrence of the behavior of damaging the stored value card by the user by illegal merchants, and ensures the safety of the user funds.
Specifically, the funds management module 105 needs to provide a complete set of membership card management system, open the system to the merchant for background modification operation, provide the system to the user for operation such as inquiring card balance, inquiring transaction record, recharging, etc., and meanwhile, connect with financial accounts such as bank accounts connected with the funds management module 105, take charge of managing user funds, connect with the bank financing fund system, and realize functions such as settlement function, order management, etc.
To ensure that the merchant receives the payment in time, and to ensure transaction security, the funds management module 105 is further configured to: and monitoring the account fund safety of the user according to the user registration information. Accessing the personal financial account of the user according to the financial account information in the user registration information, and supervising the account of the user with low credibility or problematic credit, and not accepting the ordering request of the user if necessary. Meanwhile, the account fund safety of the user is monitored, the user can be contacted by a short message or a telephone after the excessive amount or abnormal transaction is found, the authenticity of the transaction is confirmed, the fund safety of the user is protected, and the fund loss caused by cheating or stealing the account number of the user is avoided.
Fig. 2 is a simplified process diagram of data processing performed by each module in a merchant information management access cloud platform system according to an embodiment.
The user front end sends the user registration information to a user information management system, the user information management system corresponds to a functional module of the merchant information management cloud platform to the user side in the embodiment, the merchant information front end inputs various information of the merchant side and sends the information to a merchant information system, the merchant information system corresponds to the functional module of the merchant information management cloud platform to the merchant side in the embodiment, and the merchant information system pushes nearby merchant information to the user front end according to the user position; the user front end receives the request, and the fund management system is recharged by the user information management system, and the fund management system issues a data instruction of order settlement to the merchant information system. The fund management system can also automatically store the free recharging amount into a banking party connected with the fund management system, buy in financial products and obtain benefits.
By establishing the urban merchant access cloud platform system 1, a cloud platform capable of accessing complex merchant data is established, and the merchant data required by the user is accurately and classifiably pushed to the user according to the user requirements. Funds supervision is realized for the used merchants and users; the method realizes the outward popularization of merchant information for merchants; by pushing the activity information to nearby users, more users can be attracted to use urban merchants to access the cloud platform system 1, and merchant benefits are increased; when the user opens members, the fund flow can be realized; and a complete settlement platform for settlement of the next unijunction can be provided for merchants, so that real-time settlement is realized; and provides a channel for users to popularize merchants online.
The implementation of the above specific application is only an example, and the rest of the embodiments are not described in detail.
Based on the same inventive concept, the embodiment of the invention also provides a working method of the urban commercial tenant access cloud platform system, and as the principle of the problem solved by the working method of the urban commercial tenant access cloud platform system is similar to that of the urban commercial tenant access cloud platform system, the working method of the urban commercial tenant access cloud platform system can refer to the implementation of the urban commercial tenant access cloud platform system, and the repetition is omitted.
The working method is applied to the urban merchant access cloud platform system 1 in the embodiment, and specifically as shown in fig. 3, the working method comprises the following steps:
step 301: the user information front-end module 101 receives user registration information and commodity ordering information sent by a user terminal;
step 302: the user information management module 102 sends the user registration information and commodity ordering information to the merchant information management cloud platform 104 and the fund management module 105; recording user operation history information provided by the user information front-end module 101, and providing the user operation history information to the merchant information management cloud platform 104;
step 303: the merchant information front-end module 103 receives merchant data entered by a merchant;
step 304: the merchant information management cloud platform 104 determines merchant classifications of corresponding merchants according to merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and the user preference label prediction model; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by the merchant information front-end module 103, and pushing the merchant data to the user information front-end module 101 according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module 105 to a corresponding merchant information front-end module 103;
step 305: the fund management module 105 completes user registration according to the user registration information; sending commodity ordering information to the merchant information management cloud platform 104; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account.
The user preference label prediction model is a neural network model which is built in advance according to test data. The merchant data includes at least: one or any combination of marketing campaign popularization information, store related information and commodity related information.
In the implementation of step 304, the merchant information management cloud platform 104 pushes the merchant data to the user information front-end module 101 according to the merchant classification, the user preference tag, and the merchant priority level, and according to the location of the user.
In a specific embodiment, a working method of the urban merchant accessing to the cloud platform system is further provided, as shown in fig. 4, and further includes, on the basis of fig. 3:
step 401: the merchant information management cloud platform 104 determines the position of the user according to the user registration information;
or, the user location is determined according to the user location information provided by the user information front-end module 101 through the user information management module 102.
In another embodiment, the working method of the urban merchant access cloud platform system as shown in fig. 5 further includes, on the basis of fig. 3:
step 501: the funds management module 105 monitors the user's account funds security based on the user registration information.
In order to reduce the residence of bad merchants, the working method of the urban merchant access cloud platform system according to another embodiment is shown in fig. 6, and further includes, on the basis of fig. 3:
step 601: the merchant information front-end module 103 performs supervision verification on merchant data recorded by the merchant, records the number of times that the merchant data of the merchant is verified to be wrong, lists the merchant into a blacklist of the urban merchant access cloud platform system 1 when the number exceeds a preset threshold, and deletes the merchant data of the merchant in the merchant information management cloud platform 104.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the working method of the urban merchant access cloud platform system is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium which stores a computer program for executing the working method of the urban merchant access cloud platform system.
In summary, the urban merchant access cloud platform system and the working method provided by the embodiment of the invention have the following advantages:
receiving user registration information and commodity ordering information sent by a user terminal through setting a user information front-end module; setting a user information management module, and sending user registration information and commodity ordering information to a merchant information management cloud platform and a fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform; setting a merchant information front-end module, and receiving merchant data input by a merchant; setting a merchant information management cloud platform, and determining merchant classifications of corresponding merchants according to merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and the user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module; setting a fund management module, and finishing user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; and (5) abutting against a bank settlement and financial management system to finish settlement and financial management of funds of the user account. Various information filled in by the user at the user end is uniformly managed and maintained by the merchant information management cloud platform, so that personal information of users is prevented from being purchased and sold by illegal merchants; through the bank settlement and financial management system, the user can obtain interest while transacting the member card or the stored value card of the commercial tenant to enjoy the member service; the stored value card transacted by the user on the urban merchant access cloud platform system can be commonly used on the merchant information management cloud platform, is not only limited to a single merchant, realizes circulation of user funds, avoids illegal merchant pits from damaging the stored value card of the user, and ensures the safety of the user funds; the merchant information management cloud platform system ensures that various merchants can be accessed, and pushes merchant data to users according to merchant classification, user preference labels and merchant priority levels, so that sharing of merchant information is realized, and the requirements of users are accurately met; the cloud platform capable of accessing the complex merchant data is constructed, and the merchant data required by the user is accurately and classifiably pushed to the user according to the user requirements.
It will be apparent to those skilled in the art that embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only of the preferred embodiments of the present invention and is not intended to limit the present invention, and various modifications and variations can be made to the embodiments of the present invention by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (12)
1. An urban merchant access cloud platform system, comprising:
the user information front end module is used for receiving user registration information and commodity ordering information sent by the user end;
the user information management module is used for sending the user registration information and commodity ordering information to the merchant information management cloud platform and the fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform;
the merchant information front-end module is used for receiving merchant data input by a merchant; monitoring and verifying the merchant data recorded by the merchant, recording the number of times that the merchant data of the merchant is checked to be wrong, when the number exceeds a preset threshold, listing the merchant into a blacklist of an urban merchant access cloud platform system, and deleting the merchant data of the merchant in a merchant information management cloud platform;
the merchant information management cloud platform is used for determining merchant classifications of corresponding merchants according to the merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and a user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module;
the fund management module is used for finishing user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; the bank settlement and financial management system is docked to finish settlement and financial management of funds of the user account; the financial account connected with the money management module is responsible for managing user money, interfacing with the bank financial fund system, realizing a settlement function and an order management function; accessing a personal financial account of a user according to financial account information in the user registration information, and supervising the account of the user with low credibility or problematic credit;
wherein the merchant data comprises at least:
one or any combination of marketing campaign popularization information, store related information and commodity related information.
2. The urban merchant access cloud platform system of claim 1, wherein the merchant information management cloud platform is specifically configured to:
and pushing the merchant data to a user information front-end module according to the merchant classification, the user preference label and the merchant priority level and the position of the user.
3. The urban merchant access cloud platform system of claim 2, wherein the merchant information management cloud platform is further configured to:
determining the position of the user according to the user registration information;
or determining the position of the user according to the user positioning information provided by the user information front-end module through the user information management module.
4. The urban merchant access cloud platform system of claim 1, wherein the funds management module is further to:
and monitoring the account fund safety of the user according to the user registration information.
5. A method of operation of the urban merchant access cloud platform system of any of claims 1-4, the method of operation comprising:
the user information front-end module receives user registration information and commodity ordering information sent by a user terminal;
the user information management module sends the user registration information and commodity ordering information to a merchant information management cloud platform and a fund management module; recording user operation history information provided by a user information front-end module, and providing the user operation history information to a merchant information management cloud platform;
the method comprises the steps that a merchant information front-end module receives merchant data recorded by a merchant, performs supervision and verification on the merchant data recorded by the merchant, records the number of times that the merchant data of the merchant is checked to be wrong, lists the merchant into a blacklist of an urban merchant access cloud platform system when the number of times exceeds a preset threshold, and deletes the merchant data of the merchant in a merchant information management cloud platform;
the merchant information management cloud platform determines merchant classifications of corresponding merchants according to the merchant data and preset merchant classifications; determining a user preference label of a corresponding user according to the user registration information, the user operation history information and a user preference label prediction model; the user preference label prediction model is a neural network model pre-established according to test data; determining the priority level of the corresponding merchant according to the weight of each item of information in the merchant data and the preset merchant data; receiving merchant data sent by a merchant information front-end module, and pushing the merchant data to the user information front-end module according to merchant classification, user preference labels and merchant priority levels; pushing commodity ordering information sent by the fund management module to a corresponding merchant information front-end module;
the fund management module completes user registration according to the user registration information; sending commodity ordering information to a merchant information management cloud platform; the bank settlement and financial management system is docked to finish settlement and financial management of funds of the user account; the financial account connected with the money management module is responsible for managing user money, interfacing with the bank financial fund system, realizing a settlement function and an order management function;
accessing a personal financial account of a user according to financial account information in the user registration information, and supervising the account of the user with low credibility or problematic credit;
wherein the merchant data comprises at least:
one or any combination of marketing campaign popularization information, store related information and commodity related information.
6. The method of claim 5, wherein the merchant information management cloud platform pushes merchant data to the user information front-end module according to merchant classification, user preference labels, and merchant priority levels, and according to the location of the user.
7. The method of operation of claim 6, further comprising:
the merchant information management cloud platform determines the position of the user according to the user registration information;
or determining the position of the user according to the user positioning information provided by the user information front-end module through the user information management module.
8. The method of operation of claim 5, further comprising:
and the fund management module monitors the account fund safety of the user according to the user registration information.
9. The method of operation of claim 5 wherein the merchant data comprises at least:
one or any combination of marketing campaign popularization information, store related information and commodity related information.
10. The method of operation of claim 5, further comprising:
and the merchant information front-end module monitors and verifies the merchant data recorded by the merchant, records the number of times that the merchant data of the merchant is checked to be wrong, lists the merchant into a blacklist of the urban merchant access cloud platform system when the number of times exceeds a preset threshold, and deletes the merchant data of the merchant in the merchant information management cloud platform.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 5 to 10 when executing the computer program.
12. A computer readable storage medium, characterized in that the computer readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 5 to 10.
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