CN109377213B - Self-service card activation method and device, computer equipment and storage medium - Google Patents
Self-service card activation method and device, computer equipment and storage medium Download PDFInfo
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- CN109377213B CN109377213B CN201810978866.8A CN201810978866A CN109377213B CN 109377213 B CN109377213 B CN 109377213B CN 201810978866 A CN201810978866 A CN 201810978866A CN 109377213 B CN109377213 B CN 109377213B
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- 230000004913 activation Effects 0.000 title claims abstract description 162
- 238000000034 method Methods 0.000 title claims abstract description 54
- 230000003213 activating effect Effects 0.000 claims abstract description 37
- 230000002035 prolonged effect Effects 0.000 claims abstract description 27
- 238000004422 calculation algorithm Methods 0.000 claims description 36
- 238000004590 computer program Methods 0.000 claims description 17
- 238000012795 verification Methods 0.000 claims description 4
- 238000004364 calculation method Methods 0.000 claims description 2
- 238000001994 activation Methods 0.000 description 134
- 230000006870 function Effects 0.000 description 6
- 238000010586 diagram Methods 0.000 description 2
- 238000003064 k means clustering Methods 0.000 description 2
- 238000010606 normalization Methods 0.000 description 2
- 230000001360 synchronised effect Effects 0.000 description 2
- 230000001960 triggered effect Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Classifications
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
Abstract
The invention discloses a self-service card activation method, a device, computer equipment and a storage medium, wherein the method comprises the following steps: the self-service card with the expiration period is determined by the preset condition, the activation effective period of the self-service card is automatically prolonged according to the target customer grade, the prolonged activation effective period of the self-service insurance card is obtained, the preset condition is that the absolute value of the expiration period is larger than the activation effective period, the self-service card is activated within the prolonged activation effective period of the self-service card, the automatic flexible adjustment of the activation effective period of the self-service card is realized, and the complicated processes of 'old card returning-new card opening-activation' are overcome, so that the flexibility of activating the self-service card is improved.
Description
Technical Field
The present invention relates to the field of intelligent identification, and in particular, to a self-service card activation method, apparatus, computer device, and storage medium.
Background
With the development of the electronic age, in the financial industry, insurance companies sell insurance in an electronic manner, such as selling self-service cards to customers.
In order to better follow up customers and ensure the security of the self-service card, a specified activation valid period is usually set for the self-service card, and if the self-service card is not activated beyond the specified activation valid period, the self-service card automatically fails. That is, the self-service card must be activated within a preset period of time from the time the customer takes the self-service card, otherwise the self-service card automatically fails. For example, the date when the self-service card is taken by Zhang san is 2018, 5 months and 5 days, and the preset time period is 10 days, it is understood that the self-service card must be activated before 2018, 5 months and 15 days, otherwise, the self-service card automatically fails. However, the customer may not activate the self-service card within a specified activation expiration date due to too busy a job, etc., and the self-service card may not be activated resulting in the policy not being validated. Under the condition, the customer needs to return the original self-service card to the insurance company, then open a new self-service card, and finally activate the self-service card to take effect, and the process of 'returning the old card-opening the new card-activating' is tedious and time-consuming, so that the flexibility of activating the self-service card is low.
Disclosure of Invention
The embodiment of the invention provides a self-service card activation method, a self-service card activation device, computer equipment and a storage medium, which are used for solving the problem of low flexibility of the traditional activated self-service card.
A self-service card activation method, comprising:
acquiring self-service card attribute information, wherein the self-service card attribute information comprises the issuing time of a self-service card;
judging whether the absolute value of the time limit is larger than the activated effective time limit self-service card, wherein the absolute value of the time limit is the absolute value of the difference value between the issuing time and the current system time, and the activated effective time limit is the effective preset time limit of activating the self-service card;
if the absolute value of the term is larger than the activation valid term, determining that the self-service card is an out-of-term self-service card, and simultaneously prolonging the activation valid term of the self-service card according to the target client level of the self-service card to obtain the prolonged activation valid term of the self-service card, wherein the target client level of the self-service card is the level of the client determined according to the historical data of the client of the self-service card for purchasing insurance products;
and activating the self-service card in the prolonged activation effective period of the self-service card.
A self-service card activation device comprising:
the self-service card issuing module is used for acquiring self-service card attribute information, wherein the self-service card attribute information comprises the issuing time of a self-service card;
the judging module is used for judging whether the absolute value of the time limit is larger than the activated effective time limit self-service card, wherein the absolute value of the time limit is the absolute value of the difference value between the issuing time and the current system time, and the activated effective time limit is the effective preset time limit of activating the self-service card;
The first determining module is configured to determine that the self-service card is an out-of-date self-service card if the absolute value of the period is greater than the activation valid period, and extend the activation valid period of the self-service card according to a target client level of the self-service card, so as to obtain the extended activation valid period of the self-service card, where the target client level of the self-service card is a level of a client determined according to historical data of a client of the self-service card for purchasing insurance products;
and the activation module is used for activating the self-service card in the prolonged activation effective period of the self-service card.
A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the self-service card activation method described above when the computer program is executed.
A computer readable storage medium storing a computer program which when executed by a processor performs the steps of the self-service card activation method described above.
According to the self-service card activation method, the device, the computer equipment and the storage medium, as the self-service card exceeding the self-service card is determined through the preset condition, the activation valid period of the self-service card is automatically prolonged according to the target client level, the prolonged activation valid period of the self-service card is obtained, the higher the target client level of the self-service card is, the longer the activation valid period of the self-service card is, the target client level of the self-service card is the client level determined according to the historical data of the client of the self-service card for purchasing insurance products, the preset condition is that the absolute value of the time limit is larger than the activation valid period, the absolute value of the time limit is the absolute value of the difference value between the issuing time and the current system time in the acquired attribute information of the self-service card, the activation valid period is that the self-service card is activated within the preset time period, the preset time period is called the activation valid period, the self-service card is activated within the prolonged activation valid period, the automatic flexible adjustment of the self-service card is realized, and accordingly the self-service card activation process is enabled, and the time limit of the self-service card activation process is eliminated.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the description of the embodiments of the present invention will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic view of an application environment of a method for activating a self-service card according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method of activating a self-service card according to an embodiment of the present invention;
FIG. 3 is a flow chart of a method for self-service card activation in accordance with a target customer level to extend activation duration in accordance with an embodiment of the present invention;
FIG. 4 is a flow chart of a method for setting a target customer level in a self-service card activation method according to an embodiment of the present invention;
FIG. 5 is a flow chart of the activation of the self-service card in the method of activating the self-service card according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a self-service card activation device according to an embodiment of the present invention;
FIG. 7 is a schematic diagram of a computer device in accordance with an embodiment of the invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and fully with reference to the accompanying drawings, in which it is evident that the embodiments described are some, but not all embodiments of the invention. 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 self-service card activation method provided by the application can be applied to an application environment as shown in fig. 1, wherein computer equipment communicates with a server through a network. The method comprises the steps that a server side obtains attribute information of a self-service card, whether the absolute value of a term is larger than an activation valid term or not is judged, the attribute information of the self-service card comprises the issuing time of the self-service card, the absolute value of the term is the absolute value of the difference between the issuing time and the current system time, the activation valid term is the effective time of activating the self-service card in a preset time period, the preset time period is called the activation valid term, if the absolute value of the term is larger than the activation valid term, the server side determines that the self-service card is an out-of-term self-service card, meanwhile, the activation valid term of the self-service card is prolonged according to the target client level of the self-service card, the activation valid term of the self-service card is obtained, the longer the activation valid term of the self-service card is the target client level of the self-service card is the level of a client determined according to historical data of purchase insurance products of clients of the self-service card, and the server side activates the self-service card in the activation valid time of the self-service card after the self-service card is prolonged. The computer device may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, among others. The server may be implemented as a stand-alone server or as a server cluster composed of a plurality of servers.
In one embodiment, as shown in fig. 2, a self-service card activation method is provided, and the self-service card activation method is applied in the financial industry, and is illustrated by taking a server in fig. 1 as an example, and includes the following steps:
s10: acquiring attribute information of a self-service card;
in this embodiment, the self-service card attribute information includes self-service card identification information and a time of issuing the self-service card.
Specifically, in order to obtain the policy information, the attribute information of the self-service card needs to be acquired first, and then the policy identification information is acquired according to the self-service card identification information in the obtained attribute information of the self-service card, so that the policy information is acquired.
It should be noted that, the self-service card identification information uniquely identifies the self-service card, and the self-service card identification information may be a pure number or a combination of letters and numbers, or may be other combinations, such as PAKJ20180025, and the specific content of the self-service card identification information may be set according to practical applications, which is not limited herein.
Further, the self-service card identification information corresponds to the policy identification information, and the policy identification information uniquely identifies the policy. The policy identification information may be a pure number or a combination of letters and numbers, or may be other combinations, such as PACX20180708, where the specific content of the policy identification information may be set according to practical applications, and is not limited herein. The policy includes customer information including name, contact, address, and other information such as premium.
S20: judging whether the absolute value of the time limit is larger than the activation effective time limit, if so, executing the step S30, and if not, executing the step S40;
specifically, it is determined whether the absolute value of the term is greater than the activation validity term. If yes, go to step S30, if no, go to step S40. The absolute value of the term is the absolute value of the difference between the release time and the current system time, and the activation valid term is a preset time term for activating the self-service card, such as 15 days.
The issuing time is the time of issuing the self-service card. The specific content of the preset time period may be set according to practical applications, and is not limited herein.
S30: determining that the self-service card is an out-of-date self-service card, and prolonging the activation effective period of the self-service card according to the target client level of the self-service card to obtain the prolonged activation effective period of the self-service card;
specifically, the self-service card is determined to be an out-of-date self-service card, and meanwhile, the target customer level of the self-service card is determined according to the target total amount of insurance purchased by the customer, so that the activation effective period of the self-service card is prolonged, and the activation effective period of the self-service card after the self-service card is prolonged is obtained.
It should be noted that, the higher the target client level of the self-service card is, the longer the activation valid period of the extended self-service card is, and the target client level of the self-service card is the level of the client determined according to the history data of purchasing insurance products of the client of the self-service card.
S40: subtracting the absolute value of the time limit from the activation time limit to obtain the distance activation time limit;
specifically, the activation effective period is subtracted by the absolute value of the period to obtain the distance activation effective period time, if the activation effective period is 10 days and the absolute value of the period is 8, the distance activation effective period time is 2 days after subtracting 8 from 10.
Further, the self-service card which is about to reach the activation effective period can be known according to the obtained distance to activate the effective period, so that a pre-expiration reminding message is sent to the client, and the pre-expiration reminding message can be' loved client, good. The activation valid period of your self-service card will be about to expire, please activate the self-service card in the activation valid period in order to avoid bringing unnecessary trouble to you, the specific content of the pre-expiration reminding message can be set according to the actual application, and the specific content is not limited here.
S50: and activating the self-service card within the prolonged activation effective period of the self-service card.
Specifically, after the extended activation validity period of the self-service card is obtained, and within the determined activation validity period of the extended self-service card, the self-service card is activated.
The activation valid period of the self-service card after extension can be 20 days or 1 month, and the specific content of the activation valid period of the self-service card after extension can be set according to practical application, and the specific content is not limited here.
In the embodiment corresponding to fig. 2, through the above steps S10 to S50, since the expiration date of the self-service card is determined by the preset condition, the activation valid period of the self-service card is automatically extended according to the target customer level, and the extended activation valid period of the self-service card is obtained, the higher the target customer level of the self-service card is, the longer the activation valid period of the self-service card is, the target customer level of the self-service card is the level of the customer determined according to the history data of the customer purchasing insurance products of the self-service card, the absolute value of the preset condition is greater than the activation valid period, the absolute value of the period is the absolute value of the difference value between the issuing time and the current system time in the acquired attribute information of the self-service card, and the activation valid period is the preset time period for activating the self-service card, and the activation valid period of the self-service card is achieved within the extended activation valid period of the self-service card, so that the flexible self-service card activation process is automatically adjusted, and the "old card is removed-activated-the card activation process is improved.
Further, in an embodiment, the method for activating a self-service card is applied in the financial industry, as shown in fig. 3, in the method for activating a self-service card in the corresponding embodiment of fig. 2, the activation valid period of the self-service card is prolonged according to the target client level of the self-service card, and a flowchart of the prolonged activation valid period of the self-service card under an application scenario is obtained, which specifically includes the following steps:
s301: determining that the target total amount of the insurance purchased by the customer falls into one of the preset amount ranges;
specifically, the target total amount of the purchased insurance is counted first before the current system time of the customer, and then it is determined that the counted target total amount of the purchased insurance falls within a certain one of the respective preset amount ranges.
It should be noted that the preset amount range may be "100-1000" or "1000-5000", and the specific content of the preset amount range may be set according to practical application, which is not limited herein.
S302: determining a client level corresponding to the falling amount range as a target client level of the self-service card;
specifically, the target total amount of the insurance purchased by the customer obtained through statistics is divided into preset amount ranges, preferably, each preset amount range corresponds to a customer level, and then one customer level corresponding to one amount range in each preset customer level is determined to be the target customer level of the self-service card.
It should be noted that, the preset client level may be a combination of the first level and the second level, or a combination of the member level and the common level, or a combination of other levels, and the specific content of the preset client level may be set according to the actual application, which is not limited herein.
S303: according to the extension rule in the extension rule table corresponding to the target client level, the activation valid period of the self-service card is prolonged, and the activation valid period of the self-service card after the extension is obtained;
in this embodiment, a corresponding extension rule table exists in each preset client level, and a corresponding extension rule exists in each preset client level, where the extension rule table records the corresponding relationship between the client level and the extension rule, and the extension rule records the corresponding relationship between the client level and the time required to be extended for the activation validity period of the self-service card.
It should be noted that, the time required to extend the activation valid period of the self-service card corresponding to the first level is 15 days, or the time required to extend the activation valid period of the self-service card corresponding to the second level is 10 days, and the specific content of the extension rule may be set according to the actual application, which is not limited herein.
Specifically, firstly, an extension rule is obtained according to the position information of the extension rule in an extension rule table, then the activation valid period of the self-service card is prolonged according to the extension rule in the extension rule table corresponding to the target client level, and the activation valid period of the self-service card after extension is obtained. Wherein the higher the customer level, the longer the activation expiration date of the self-service card needs to be.
In the embodiment corresponding to fig. 3, through the steps S301 to S303, since the activation valid period of the self-service card is prolonged according to the extension rule in the extension rule table corresponding to the target customer level, the extension rule records the correspondence between the customer level and the time length required to be prolonged for the activation valid period of the self-service card, and the higher the customer level is, the longer the time length required to be prolonged for the activation valid period of the self-service card is, so that the activation valid period of the self-service card can be flexibly adjusted, and the flexibility of adjusting the activation valid period of the self-service card is further improved.
Further, in an embodiment, the method for activating a self-service card is applied in the financial industry, and as shown in fig. 4, in a flowchart of setting a client level in an application scenario in the method for activating a self-service card in the corresponding embodiment of fig. 2, the method is set by the following steps:
S304: acquiring insurance history data of clients of each self-service card in a preset time period as a sample;
in this embodiment, the insurance history data is data generated by performing the insurance applying and returning operations by the customer of the self-service card, and the number of times of purchasing personal accident risks is 5.
Specifically, in actual operation, in order to acquire a certain amount of sample data, insurance history data of customers of each self-service card in a preset period of time is generally acquired as a sample. Wherein, a plurality of insurance history data exists corresponding to the clients of each self-service card.
It should be noted that the preset time period may be half a year or 1 year, and the specific content of the preset time period may be set according to practical applications, which is not limited herein.
S305: selecting the insurance history data of the clients of at least two self-service cards from the insurance history data of the clients of each self-service card;
specifically, firstly, selecting the insurance history data of the clients of at least two self-service cards from the acquired insurance history data of the clients of each self-service card, and then selecting the insurance history data of the clients of at least two self-service cards.
S306: classifying clients of the self-service card to obtain classified class numbers;
specifically, in order to obtain the category number, the clients of the self-service card need to be classified, so that the classified category number is obtained. The number of the classified categories can be 3 or 5.
S307: randomly selecting the classified category number insurance history data from the sample as a first category of the classified category number clustering algorithm;
in this embodiment, the clustering algorithm may be a K-Means clustering algorithm or a LARANS clustering algorithm.
It should be noted that the K-Means clustering algorithm is a prototype-based objective function clustering method, and the CLARANS clustering algorithm is a large-scale application clustering algorithm based on random search.
Specifically, firstly randomly selecting the classified category number of insurance history data in a sample, for example, selecting 3 insurance history data, wherein the 3 insurance history data are respectively 10 ten thousand yuan of total amount of purchased car insurance, 10 times of purchased personal accident insurance and 5000 yuan of purchased serious illness hospitalization insurance. Then the selected classified category number insurance history data as a first centroid of the partitioned category number clustering algorithm.
S308: according to one insurance history data in each selected insurance history data, calculating the target distance from each remaining insurance history data in the sample to the first centers of the divided category number clustering algorithms by adopting a first formula, simultaneously giving each remaining insurance history data to the first centers of each clustering algorithm closest to each remaining insurance history data, and completing the division of the divided category number categories, wherein the first formula specifically comprises:
H＝(S q -R p ) 2 /T i
wherein H is the target distance, S q For the q-th remaining insurance history, R p For the first core of the p-th clustering algorithm in the divided category number, k is the divided category number, p E [1, k]，T i The ith insurance history data in the selected insurance history data is selected;
in this embodiment, each of the remaining insurance history data is insurance history data of a customer of the self-service card as a dimension calculated in each sample except for target data, where the remaining insurance history data has a one-to-one correspondence with a first center of the nearest clustering algorithm.
Specifically, according to the calculated dimension, the distance from each remaining insurance history data in the sample to the first centers of the clustering algorithms of the divided category number is calculated by adopting the first formula, and meanwhile, each remaining second insurance history data is given to the first center of each clustering algorithm closest to each remaining insurance history data.
S309: and re-calculating the second cores of the clustering algorithm of each category in the number of the divided categories after the division is finished until the second cores are equal to the first cores, and determining each category in the number of the divided categories after the division as a corresponding client level according to the sequence of the division.
Specifically, the second cores of the clustering algorithm of each category are recalculated in the number of the divided categories after the division is completed until the second cores are equal to the first cores, and each category in the number of the divided categories after the division is determined as a corresponding client level according to the sequence of the division.
The higher the ranking, the higher the client level corresponding to the category.
In the embodiment corresponding to fig. 4, through the above steps S304 to S309, since the insurance history data of the client is used as the sample and the clustering algorithm is used to set the client level, and the clustering algorithm screens out the categories with more similarity between the modes in one cluster and between the modes not in the same cluster, so as to realize the automatic division of the client level, not only make the client level division process become more intelligent, but also make the efficiency of the client level classification higher.
Further, in an embodiment, the method for activating a self-service card is applied in the financial industry, and as shown in fig. 5, in the method for activating a self-service card in the embodiment corresponding to fig. 2 to 4, a flowchart of activating a self-service card in an application scenario specifically includes the following steps:
s401: judging whether a login account and a password input by a client of the self-service card are received, if yes, executing a step S402, and if not, executing a step S403;
specifically, whether a login account and a password input by a client of the self-service card are received or not is judged. If yes, step S402 is executed, and if no, step S403 is executed.
The login account may be a mobile phone number or an identification card number, etc., the password may be a combination of a number and a letter, or may be a pure number, and the specific contents of the login account and the password may be set according to practical applications, which is not limited herein.
S402: verifying the validity of the input login account and password;
in this embodiment, the registration database stores registration information including a login account, a password, a registration time, a registration place, and the like.
Specifically, whether the input login account and password exist or not is inquired in the registration database, if so, the validity check is passed, and if not, the validity check is not passed.
S403: and sending an input login information reminding message to the user.
Specifically, an input login information alert message is sent to the user. The login information reminding message can be "hello, please input login account number and password", the specific content of the login information reminding message can be set according to practical application, and the login information reminding message is not limited here.
S404: if the validity check is passed, judging whether an activation instruction input by a customer of the self-service card is received, if yes, executing step S405, and if not, executing step S406;
specifically, when verification of validity of a login account and a password input by a client of the self-service card is passed, whether an activation instruction input by the client of the self-service card is received is judged. If yes, step S405 is executed, and if no, step S406 is executed. Wherein, the activation instruction can be a combination of numerals and letters, such as "342DG-6YJR8-X92GV-V7DCV-P4K27". When the validity of the login account and the password input by the client of the self-service card is not checked, a login failure reminding message is sent to the user, the login failure reminding message can be ' hello ', the login account and the password input by the user are wrong, the user inputs again ', the specific content of the login failure reminding message can be set according to practical application, and the login failure reminding message is not limited here.
S405: displaying a check code input page of the self-service card;
specifically, a self-service card check code input page is displayed. The self-service card check code input page can be other input pages such as an input box, and specific contents of the self-service card check code input page can be set according to practical application, and the self-service card check code input page is not limited.
S406: and sending an activation failure reminding message to the user.
Specifically, an activation failure alert message is sent to the user. The activation failure reminding message can be "hello," and the activation command input by you is wrong, please input again. The specific content of the activation failure reminding message may be set according to the actual application, and is not limited herein.
S407: receiving a check code input by a customer of the self-service card in a self-service card check code input page;
specifically, after the self-service card check code input page is displayed, the check code input by the customer of the self-service card in the self-service card check code input page is received and extracted. The check code may be "123" or "jpk", and the specific content of the check code may be set according to practical application, which is not limited herein.
S408: and sending the self-service card identification information and the check code in the self-service card attribute information to the appointed system so that the appointed system can activate the self-service card.
In this embodiment, the designated system maintains a method of activating the self-service card.
Specifically, after receiving a check code input by a customer on a self-service card check code input page, firstly, sending self-service card identification information and the check code in self-service card attribute information to a designated system, and then activating the self-service card by adopting a method for activating the self-service card in the designated system.
Further, when the self-service card is successfully activated, information of the success of the activation can be fed back to the client, for example, the information of the success of the activation can be "you can be happy and happy, and the self-service card is successfully activated". When the self-service card fails to activate, the information of the activation failure can be fed back to the client so as to prompt the user of the activation failure and apply for activation again.
In the embodiment corresponding to fig. 5, through the steps S401 to S408, the self-service card is activated after the validity of the login account and the password is verified, and then the verification code and the activation instruction are verified, so that the security of activating the self-service card is improved.
Further, in an embodiment, the self-service card activation method is applied in the smart identification industry, and after step S305, the self-service card activation method further includes the following steps:
S3051: normalizing each target data by adopting a second formula to obtain normalized third insurance history data, wherein the second formula is as follows:
L＝(s-min(s))/(max(s)-min(s))
wherein L is normalized insurance history data, s is one insurance history data in each target data, min(s) is the smallest insurance history data in each target data, max(s) is the largest insurance history data in each target data, and the normalized insurance history data is between [0,1 ].
Specifically, the second formula is adopted to normalize each target data to obtain normalized insurance history data, and the normalized insurance history data is between [0,1 ].
In this embodiment, through the above step S3051, normalization of the insurance history data is achieved, and the normalized insurance history data is between [0,1], so that the influence on the classification of the customer caused by too large difference between the insurance history data of the customer of the self-service card can be avoided.
It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.
In an embodiment, a self-service card activation device is provided, where the self-service card activation device corresponds to the self-service card activation method in the above embodiment one by one. As shown in fig. 6, the self-service card activation device includes an acquisition module 71, a judgment module 72, a first determination module 73, a subtraction module 74, and an activation module 75. The functional modules are described in detail as follows:
the acquiring module 71 is configured to acquire self-service card attribute information, where the self-service card attribute information includes a time of issuing a self-service card;
the judging module 72 is configured to judge whether the absolute value of the term is greater than the activated valid term self-service card, if yes, trigger the determining module 73, if not, trigger the first determining module 74, where the absolute value of the term is the absolute value of the difference between the dispensing time and the current system time, and the activated valid term is a preset time term for activating the self-service card;
the determining module 73 is configured to determine that the self-service card is an out-of-date self-service card, and extend an activation valid period of the self-service card according to a target client level of the self-service card, so as to obtain an extended activation valid period of the self-service card, where the target client level of the self-service card is a level of a client determined according to historical data of a client of the self-service card for purchasing insurance products;
A subtracting module 74 for subtracting the absolute value of the term from the activation effective term to obtain a distance activation effective term time;
and the activating module 75 is used for activating the self-service card in the prolonged activating effective period of the self-service card.
Further, the activation module 75 includes:
a first judging unit for determining that the target total amount of the insurance purchased by the customer falls within one of the respective preset amount ranges;
the second judging unit is used for determining one client level corresponding to the falling amount range as a target client level of the self-service card;
the extension unit is used for extending the activation valid period of the self-service card according to the extension rule in the extension rule table corresponding to the target client level, so as to obtain the extended activation valid period of the self-service card, the extension rule table records the corresponding relation between the client level and the extension rule, and the extension rule records the corresponding relation between the client level and the time required to be extended for the activation valid period of the self-service card.
Further, the customer level is set by the following modules:
the acquisition module is used for acquiring each first insurance history data in a preset time period as a sample, wherein the insurance history data are data generated by performing insurance application and refund operations for customers of the self-service card, and a plurality of first insurance history data exist;
The selecting module is used for selecting at least two insurance historical data from the insurance historical data;
the classification module is used for classifying the clients of the self-service card to obtain classified category numbers;
the selecting module is used for randomly selecting the first insurance history data of the divided category number from the sample as the first cores of the clustering algorithm of the divided category number;
the first calculation module is used for calculating the target distance from each residual insurance history data in the sample to the first centers of the clustering algorithms of the number of the classified categories according to one insurance history data in each selected insurance history data by adopting a first formula, meanwhile, endowing each residual insurance history data to the first center of each clustering algorithm closest to each residual insurance history data, completing the classification of the number of the classified categories, wherein each residual insurance history data is the insurance history data except for the target data in each sample, the residual insurance history data has a one-to-one correspondence with the first centers of the clustering algorithms closest to each other, and the target data is the insurance history data which is used as the calculated dimension;
The first formula is:
H＝(S q -R p ) 2 /T i
wherein H is the target distance, S q For the q-th remaining insurance history, R p For the first core of the p-th clustering algorithm in the divided category number, k is the divided category number, p E [1, k]，T i The ith insurance history data in the selected insurance history data is selected;
and re-calculating the second cores of the clustering algorithm of each category in the number of the divided categories after the division is finished until the second cores are equal to the first cores, and determining each category in the number of the divided categories after the division as a corresponding client level according to the sequence of the division.
Further, the activation module 75 includes:
the first judging unit is used for judging whether the login account and the password input by the client of the self-service card are received, if yes, the receiving unit is triggered, and if not, the first sending unit is used for sending the login account and the password to the client of the self-service card;
the receiving unit is used for verifying the validity of the input login account and password;
the first sending unit is used for sending an input login information reminding message to the user;
the second judging unit is used for judging whether an activation instruction input by a customer of the self-service card is received, if yes, the triggering display unit is executed, and if not, the second sending unit is triggered;
The display unit is used for displaying the self-service card check code input page;
the second sending unit is used for sending an activation failure reminding message to the user;
the receiving unit is used for receiving the check code input by the client of the self-service card on the self-service card check code input page;
and the third sending unit is used for sending the self-service card identification information and the check code in the self-service card attribute information to the appointed system so that the appointed system can complete the activation of the self-service card.
Further, the self-service card activation device further includes:
the normalization module is used for normalizing each target data by adopting a second formula to obtain normalized insurance history data, wherein the second formula is as follows:
L＝(s-min(s))/(max(s)-min(s))
wherein L is normalized third insurance history data, s is one insurance history data in each target data, min(s) is the smallest insurance history data in each target data, max(s) is the largest insurance history data in each target data, and the normalized insurance history data is between [0,1 ].
For specific limitations of the self-service card activation device, reference may be made to the above limitation of the self-service card activation method, and no further description is given here. The modules in the self-service card activation device can be realized in whole or in part by software, hardware and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 6. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing data related to the self-service card activation method. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a self-service card activation method.
In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the steps of the self-service card activation method of the above embodiment, such as steps S10 to S50 shown in fig. 2. Alternatively, the processor may implement the functions of the modules/units of the self-service card activation device in the above embodiment when executing the computer program, for example, the functions of the acquisition module 71 to the activation module 75 shown in fig. 6. In order to avoid repetition, a description thereof is omitted.
In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, where the computer program when executed by a processor implements the method for activating a self-service card in the foregoing method embodiment, or where the computer program when executed by a processor implements the functions of each module/unit in the self-service card activating device in the foregoing device embodiment. In order to avoid repetition, a description thereof is omitted. Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the various embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile memory can include Read Only Memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), memory bus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-described division of the functional units and modules is illustrated, and in practical application, the above-described functional distribution may be performed by different functional units and modules according to needs, i.e. the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-described functions.
The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.
Claims (8)
1. A self-service card activation method, characterized in that the self-service card activation method comprises:
acquiring self-service card attribute information, wherein the self-service card attribute information comprises the issuing time of a self-service card;
Judging whether the absolute value of the time limit is larger than the activated effective time limit self-service card, wherein the absolute value of the time limit is the absolute value of the difference value between the issuing time and the current system time, and the activated effective time limit is the effective preset time limit of activating the self-service card;
if the absolute value of the term is larger than the activation valid term, determining that the self-service card is an out-of-term self-service card, and simultaneously prolonging the activation valid term of the self-service card according to the target client level of the self-service card to obtain the prolonged activation valid term of the self-service card, wherein the target client level of the self-service card is the level of the client determined according to the historical data of the client of the self-service card for purchasing insurance products;
activating the self-service card within the prolonged activation effective period of the self-service card;
the customer level is set by the steps of:
acquiring each insurance history data in a preset time period as a sample, wherein the insurance history data is data generated by performing insurance application and refund operations for clients of the self-service card, and a plurality of insurance history data exist;
selecting at least two insurance history data from the insurance history data;
Classifying the clients of the self-service card to obtain classified class numbers;
randomly picking the classified category number insurance history data from the sample to serve as a first category of the classified category number clustering algorithm;
according to one insurance history data in the selected insurance history data, calculating the target distance from each remaining insurance history data in the sample to the first centers of the clustering algorithms of the classified category number by adopting a first formula, simultaneously giving each remaining insurance history data to the first center of each clustering algorithm closest to each remaining insurance history data, and completing the classification of the classified category number, wherein each remaining insurance history data is insurance history data except for the target data in each sample, and the remaining insurance history data has a one-to-one correspondence with the first centers of the clustering algorithms closest to the selected insurance history data;
the first formula is:
H＝(S q -R p ) 2 /T i
wherein H is the target distance, S q For the q-th remaining insurance history data, R p For the first core of the p-th clustering algorithm in the divided category number, k is the divided category number, p E [1, k]，T i An ith insurance history data in the selected insurance history data;
and re-calculating the second centers of the clustering algorithms of the various categories in the number of the divided categories after the division is finished until the second centers are equal to the first centers, and determining the various categories in the number of the divided categories after the division as the corresponding client levels according to the sequence of the division.
2. The method for activating a self-service card according to claim 1, wherein the extending the activation validity period of the self-service card according to the target customer level of the self-service card includes:
determining that the target total amount of the insurance purchased by the client falls into one of various preset amount ranges;
determining a client level corresponding to the amount range as a target client level of the self-service card;
and according to the extension rule in the extension rule table corresponding to the target client level, the activation valid period of the self-service card is extended, the extended activation valid period of the self-service card is obtained, the extension rule table records the corresponding relation between the client level and the extension rule, and the extension rule records the corresponding relation between the client level and the time required to be extended for the activation valid period of the self-service card.
3. A method of activating a self-service card as claimed in any one of claims 1 to 2, wherein said activating the self-service card comprises:
if the login account and the password input by the client of the self-service card are received, verifying the validity of the input login account and password;
if the validity check is passed and an activation instruction input by a client of the self-service card is received, displaying a self-service card check code input page;
receiving a check code input by a customer of the self-service card on the self-service card check code input page;
and sending the self-service card identification information and the check code in the self-service card attribute information to a designated system so that the designated system completes activation of the self-service card.
4. The method of claim 1, wherein after selecting at least two insurance history data from the respective insurance history data, the method further comprises:
normalizing each target data by adopting a second formula to obtain normalized insurance history data;
the second formula is:
L＝(s-min(s))/(max(s)-min(s))
wherein L is normalized insurance history data, s is one insurance history data in each target data, min(s) is the smallest insurance history data in each target data, max(s) is the largest insurance history data in each target data, and the normalized insurance history data is between [0,1 ].
5. A self-service card activation device, the self-service card activation device comprising:
the self-service card issuing module is used for acquiring self-service card attribute information, wherein the self-service card attribute information comprises the issuing time of a self-service card;
the judging module is used for judging whether the absolute value of the time limit is larger than the activated effective time limit self-service card, wherein the absolute value of the time limit is the absolute value of the difference value between the issuing time and the current system time, and the activated effective time limit is the effective preset time limit of activating the self-service card;
the determining module is used for determining that the self-service card is an out-of-date self-service card if the absolute value of the time limit is larger than the activation valid time limit, and simultaneously prolonging the activation valid time limit of the self-service card according to the target client level of the self-service card to obtain the prolonged activation valid time limit of the self-service card, wherein the target client level of the self-service card is the level of the client determined according to the historical data of the client of the self-service card for purchasing insurance products;
the activation module is used for activating the self-service card in the prolonged activation effective period of the self-service card;
the customer level is set by the following modules:
the self-service card comprises an acquisition module, a verification module and a verification module, wherein the acquisition module is used for acquiring each insurance history data in a preset time period as a sample, the insurance history data are data generated by the execution of the insurance application and the refund operation of a customer of the self-service card, and a plurality of insurance history data exist;
The selecting module is used for selecting at least two insurance history data from the insurance history data;
the classification module is used for classifying the clients of the self-service card to obtain classified category numbers;
the selecting module is used for randomly selecting the classified category number insurance historical data from the sample as a first core of the classified category number clustering algorithm;
the first calculation module is used for calculating the target distance from each piece of residual insurance history data in the sample to the first centers of the clustering algorithms of the classified category number according to one piece of insurance history data in the selected pieces of insurance history data by adopting a first formula, meanwhile, each piece of residual insurance history data is assigned to the first center of each clustering algorithm closest to each piece of residual insurance history data, the classification of the classified category number is completed, each piece of residual insurance history data is the insurance history data except for the target data in each sample, the residual insurance history data has a one-to-one correspondence with the first centers of the clustering algorithms closest to each other, and the target data is the selected insurance history data;
The first formula is:
H＝(S q -R p ) 2 /T i
wherein H is the target distance, S q For the q-th remaining insurance history data, R p For the first core of the p-th clustering algorithm in the divided category number, k is the divided category number, p E [1, k]，T i An ith insurance history data in the selected insurance history data;
and re-calculating the second centers of the clustering algorithms of the various categories in the number of the divided categories after the division is finished until the second centers are equal to the first centers, and determining the various categories in the number of the divided categories after the division as the corresponding client levels according to the sequence of the division.
6. The self-service card activation apparatus of claim 5, wherein the determination module comprises:
a first judging unit for determining that a target total amount of insurance purchased by the customer falls within one of respective preset amount ranges;
the second judging unit is used for determining one client level corresponding to the amount range as the target client level of the self-service card;
The extension unit is used for extending the activation valid period of the self-service card according to the extension rule in the extension rule table corresponding to the target client level to obtain the extended activation valid period of the self-service card, the extension rule table records the corresponding relation between the client level and the extension rule, and the extension rule records the corresponding relation between the client level and the time required to be extended for the activation valid period of the self-service card.
7. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor, when executing the computer program, implements the steps of the self-service card activation method of any one of claims 1 to 4.
8. A computer readable storage medium storing a computer program, wherein the computer program when executed by a processor implements the steps of the self-service card activation method of any one of claims 1 to 4.
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| CH704306A1 (en) * | 2010-12-30 | 2012-07-13 | Juerg Ralph Ernst | Method for online triggering of a proof of insurance and device for carrying out the method. |
| US20140032246A1 (en) * | 2012-07-30 | 2014-01-30 | Manish Bhatt | Data processing system for implementing financial asset transactions in a retail environment |
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| SG10201605514RA (en) * | 2016-07-05 | 2018-02-27 | Mastercard International Inc | Methods and computer systems for implementing a payment card network |
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| WO2008082794A2 (en) * | 2006-11-08 | 2008-07-10 | Crawford Lee C S | Location based service for directing ads to subscribers |
| WO2014108762A2 (en) * | 2013-01-14 | 2014-07-17 | Yogesh Chunilal Rathod | Dynamic products & services card & account and/or global payments & mobile network(s) mediated & managed dynamic e-commerce, advertising & marketing platform(s) and service(s) |
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