CN109714381A - Information-pushing method, equipment, storage medium and device based on consumption tracking - Google Patents
Information-pushing method, equipment, storage medium and device based on consumption tracking Download PDFInfo
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Abstract
The invention discloses a kind of information-pushing method, equipment, storage medium and devices based on consumption tracking, this method comprises: obtaining the corresponding virtual credit card of target loan product of target user；Consumer record is extracted from virtual credit card, and consumer products list is extracted from consumer record；Target consumer product is determined from consumer products list according to the first preset rules；The first user for obtaining application target loan product, is pushed to the first user for target consumer product.In the present invention, pass through the consumer record according to the corresponding virtual credit card of target loan product, determine the target consumer product that target user is consumed by the target loan product, apply for the user of identical target loan product, can generally also there be identical consumption demand, target consumer product is pushed to the first user of application target loan product, to more meet the product information of its consumption habit and demand for user's push, promotes user experience.
Description
Technical field
The present invention relates to information advancing technique fields, more particularly to based on consumption tracking information-pushing method, equipment, deposit
Storage media and device.
Background technique
It currently, the loan that user applies, is directly put into user's bank card, however it may in bank card
There are other funds sources, for example, the wage income of user and/or financing income can be also placed in bank card, then, the amount of the loan
It is mixed with the income of user, leads to the consumption of the bad tracking amount of the loan, the true purposes and consumption of user's loan can not be understood
Habit, contacts interruption between user, leads to the loss and waste of customer resources.How consumption tracking and such as is carried out to loan
What is interacted using loan consumption tracked information with user to promote user experience and be a technical problem to be solved urgently.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
The main purpose of the present invention is to provide a kind of information-pushing methods based on consumption tracking, equipment, storage medium
And device, it is intended to solve the technical issues of loan consumption can not track, lead to customer churn less with user interaction in the prior art.
To achieve the above object, the present invention provides a kind of information-pushing method based on consumption tracking, described based on consumption
The information-pushing method of tracking the following steps are included:
Obtain the corresponding virtual credit card of target loan product of target user；
Consumer record is extracted from the virtual credit card, consumer products list is extracted from the consumer record；
Target consumer product is determined from the consumer products list according to the first preset rules；
The first user for applying for the target loan product is obtained, the target consumer product is pushed to described first and is used
Family.
Preferably, described to determine target consumer product from the consumer products list according to the first preset rules, packet
It includes:
Consumer products in the consumer products list are classified according to default consumption type, obtain consumption classification
Table；
The consumption number of times of each default consumption type in the consumption classification chart are counted, the consumption number of times are highest default
Consumption type is as target consumer type；
Obtain corresponding first consumer products of the target consumer type；
Target consumer product is determined from first consumer products according to the second preset rules.
Preferably, described to determine target consumer product from first consumer products according to the second preset rules, packet
It includes:
The first user's evaluation that first consumer products are extracted from the consumer record comments first user
Highest first consumer products of valence are as target consumer product.
Preferably, described to obtain the first user for applying for the target loan product, the target consumer product is pushed
After first user, the information-pushing method based on consumption tracking further include:
Consumption address is extracted from the consumer record, is calculated the frequency of the consumption address, is disappeared frequency is highest
Take address as target consumer address；
Obtain the first merchant information in the predeterminable area of the target consumer address；
Target merchant information is determined from first merchant information according to third preset rules；
The target merchant information is pushed to the target user.
Preferably, described to determine target merchant information from first merchant information according to third preset rules, packet
It includes:
The second user evaluation for obtaining first merchant information, evaluates highest first trade company for the second user and believes
Breath is used as target merchant information.
Preferably, described to be based on disappearing before the corresponding virtual credit card of target loan product for obtaining target user
Take the information-pushing method of tracking further include:
The application status for obtaining the target loan product of target user, judges whether the application status is to apply successfully；
If the application status is to apply successfully, the corresponding amount of the loan of the target loan product being obtained, according to institute
It states the amount of the loan and generates virtual credit card.
Preferably, if the application status is to apply successfully, obtaining the corresponding loan of the target loan product
The amount of money, after generating virtual credit card according to the amount of the loan, the information-pushing method based on consumption tracking further include:
The virtual credit card and default payment application are bound；
Payment instruction is received by the default application program, extracts payment amount from the payment instruction；
The payment amount is paid by the virtual credit card, and generates consumer record.
In addition, to achieve the above object, the present invention also proposes a kind of information pushing equipment based on consumption tracking, the base
Include memory, processor and be stored on the memory and can be in the processor in the information pushing equipment of consumption tracking
Upper operation based on consumption tracking information push products, it is described based on consumption tracking information push products be arranged for carrying out as
The step of information-pushing method based on consumption tracking described above.
In addition, to achieve the above object, the present invention also proposes a kind of storage medium, it is stored with and is based on the storage medium
The information push products of tracking is consumed, the information push products based on consumption tracking is realized when being executed by processor as above
The step of described information-pushing method based on consumption tracking.
In addition, to achieve the above object, the present invention also proposes a kind of information push-delivery apparatus based on consumption tracking, the base
It include: to obtain module, extraction module, determining module and pushing module in the information push-delivery apparatus that consumption is tracked；
The acquisition module, for obtaining the corresponding virtual credit card of target loan product of target user；
The extraction module is mentioned from the consumer record for extracting consumer record from the virtual credit card
Take out consumer products list；
The determining module, for determining that target consumer is produced from the consumer products list according to the first preset rules
Product；
The pushing module produces the target consumer for obtaining the first user for applying for the target loan product
Product are pushed to first user.
In the present invention, the corresponding virtual credit card of target loan product of target user is obtained, from the virtual credit card
In extract consumer record, consumer products list is extracted from the consumer record, is disappeared according to the first preset rules from described
Target consumer product is determined in expense product list, applies for the user of identical target loan product, can generally also exist identical
Consumption demand, obtain the first user for applying for the target loan product, the target consumer product be pushed to described the
One user promotes user experience to more meet the product information of its consumption habit and demand for user's push.
Detailed description of the invention
Fig. 1 is the information pushing equipment knot based on consumption tracking for the hardware running environment that the embodiment of the present invention is related to
Structure schematic diagram；
Fig. 2 is that the present invention is based on the flow diagrams of the information-pushing method first embodiment of consumption tracking；
Fig. 3 is that the present invention is based on the flow diagrams of the information-pushing method second embodiment of consumption tracking；
Fig. 4 is that the present invention is based on the flow diagrams of the information-pushing method 3rd embodiment of consumption tracking；
Fig. 5 is that the present invention is based on the flow diagrams of the information-pushing method fourth embodiment of consumption tracking；
Fig. 6 is that the present invention is based on the structural block diagrams of the information push-delivery apparatus first embodiment of consumption tracking.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is that the information based on consumption tracking for the hardware running environment that the embodiment of the present invention is related to pushes away
Send device structure schematic diagram.
As shown in Figure 1, should may include: processor 1001, such as centre based on the information pushing equipment of consumption tracking
It manages device (Central Processing Unit, CPU), communication bus 1002, user interface 1003, network interface 1004, storage
Device 1005.Wherein, communication bus 1002 is for realizing the connection communication between these components.User interface 1003 may include showing
Display screen (Display), optional user interface 1003 can also include standard wireline interface and wireless interface, for user interface
1003 wireline interface can be USB interface in the present invention.Network interface 1004 optionally may include standard wireline interface,
Wireless interface (such as Wireless Fidelity (WIreless-FIdelity, WI-FI) interface).Memory 1005 can be the random of high speed
Memory (Random Access Memory, RAM) memory is accessed, stable memory (Non-volatile is also possible to
Memory, NVM), such as magnetic disk storage.Memory 1005 optionally can also be the storage independently of aforementioned processor 1001
Device.
The information based on consumption tracking is pushed away it will be understood by those skilled in the art that structure shown in Fig. 1 is not constituted
The restriction for sending equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Believe module, Subscriber Interface Module SIM and the information push products based on consumption tracking.
In information pushing equipment based on consumption tracking shown in Fig. 1, network interface 1004 is mainly used for connection backstage
Server carries out data communication with the background server；User interface 1003 is mainly used for connecting user equipment；It is described to be based on
The information pushing equipment of consumption tracking calls the information based on consumption tracking stored in memory 1005 by processor 1001
Push products, and execute the information-pushing method provided in an embodiment of the present invention based on consumption tracking.
Based on above-mentioned hardware configuration, propose that the present invention is based on the embodiments of the information-pushing method of consumption tracking.
It is the flow diagram for the information-pushing method first embodiment tracked the present invention is based on consumption referring to Fig. 2, Fig. 2,
It is proposed that the present invention is based on the information-pushing method first embodiments of consumption tracking.
In the first embodiment, it is described based on consumption tracking information-pushing method the following steps are included:
Step S10: the corresponding virtual credit card of target loan product of target user is obtained.
It should be understood that the executing subject of the present embodiment is the information pushing equipment based on consumption tracking, wherein the base
It can be the electronic equipments such as smart phone, PC, server in consuming the information pushing equipment tracked.User's ordinary practice makes
It is paid with mobile terminals such as mobile phones, the few are directly consumed using bank card, then can be by by the target user
The target loan product of application is sent in user equipment in the form of virtual credit card, and the user equipment includes intelligence
The terminal devices such as mobile phone, smartwatch, tablet computer and/or laptop are produced when user needs to provide a loan using the target
When product are consumed, trade company can be deducted fees by scanning the virtual credit card, be disappeared using the virtual credit card
It is time-consuming, the amount of the loan in the target loan product can be deducted automatically, and the spending limit of the virtual credit card is the mesh
Mark the amount of the loan of loan product.
It will be appreciated that the virtual credit card can will be consumed when user is consumed by the virtual credit card
Merchant information, consumption address, payment amount, consumer products, the information such as consumption time and user's evaluation generate consumer record, with
Convenient for learning the consumption habit and consumption demand of the target user subsequently through the consumer record, to be provided more for user
Meet the information push of consumer spending habit and demand.
Step S20: extracting consumer record from the virtual credit card, and consumption is extracted from the consumer record and is produced
Product list.
It should be noted that being established for the ease of tracking the consumption whereabouts of the amount of the loan of the target loan product
The virtual credit card corresponding with the target loan product, is disappeared in the target user using the virtual credit card
It is time-consuming, a consumer record can be all generated, the usual consumer record includes merchant information, consumption address, payment amount, consumption
The information such as product, consumption time and user's evaluation can then extract the consumer record, the mesh from the virtual credit card
The mark every progress one-time-consumption of user all can accordingly generate a consumer record, then the mesh can be extracted from the consumer record
All consumer products that mark user is consumed by the virtual credit card, constitute the consumer products list.
Step S30: target consumer product is determined from the consumer products list according to the first preset rules.
In the concrete realization, first preset rules can be user's evaluation in the consumer products list is higher
One or more consumer products as the target consumer product, be also possible to by consumption quantity in the consumer products list compared with
More one or more consumer products are also possible to consume in the consumer products list as the target consumer product
The discount of product one or more consumer products with stronger dynamics are as the target consumer product；It can also be and disappear described in acquisition
Take the corresponding trade company's star evaluation of each consumer products in product list, one or the more quotient that trade company's star is had higher rating
The corresponding consumer products in family can also be other rule settings as the target consumer product, this is not added in the present embodiment
With limitation.
Step S40: the first user for applying for the target loan product is obtained, the target consumer product is pushed to institute
State the first user.
It will be appreciated that usually applying for the user of identical loan product, there is similar consumption hobby or demand, by institute
The consumer products for stating target user push to other first users for equally applying for the target loan product, first user
Do not include the target user, then can promote first user and employ the target loan product and consume, the institute of push
It states target consumer product and also more meets the consumption demand of first user, to promote interacting between user, promoted
User experience.
In the first embodiment, the corresponding virtual credit card of target loan product for obtaining target user, from described virtual
Extract consumer record in credit card, consumer products list extracted from the consumer record, according to the first preset rules from
Target consumer product is determined in the consumer products list, is applied for the user of identical target loan product, can generally also be deposited
In identical consumption demand, the first user for applying for the target loan product is obtained, the target consumer product is pushed to
First user promotes user experience to more meet the product information of its consumption habit and demand for user's push.
It is the flow diagram for the information-pushing method second embodiment tracked the present invention is based on consumption referring to Fig. 3, Fig. 3,
Based on above-mentioned first embodiment shown in Fig. 2, propose that the present invention is based on the second embodiments of the information-pushing method of consumption tracking.
In a second embodiment, the step S30, comprising:
Step S301: the consumer products in the consumer products list are classified according to default consumption type, are obtained
Consume classification chart.
It will be appreciated that the default consumption type includes: diet, house-purchase, tourism, financing and traffic etc..Usually consumption
There are many products, consumer products can be carried out customized classification according to purposes, the default consumption type be obtained, in order to brighter
The consumption demand of the true target user, by the way that the consumer products in the consumption consumer products list are consumer according to presetting
Type is classified, then all kinds of consumer products are analyzed in the consumption classification chart obtained to classification, to judge that the target is used
The consumption type of the greatest requirements at family, to the corresponding consumer products of the consumption type of greatest requirements be pushed, to meet
Equally apply for the consumption demand of the first user of the target loan product.
Step S302: the consumption number of times of each default consumption type in the statistics consumption classification chart, by the consumption number of times
Highest default consumption type is as target consumer type.
It should be understood that include multiple consumer products in each default consumption type in the consumption classification chart, it can be to each pre-
If the consumer products quantity in consumption type is counted, consumer products quantity is more, i.e., consumption number of times are more, illustrates corresponding
Default consumption type is the maximum consumption type of user demand, as target consumer type, by the target consumer type
Corresponding consumer products push to first user, more meet disappearing for the first user for equally applying for the target loan product
Take demand.
Step S303: corresponding first consumer products of the target consumer type are obtained.
It should be noted that include multiple consumer products in each default consumption type in the consumption classification chart, then it is described
The target consumer type also corresponds to multiple first consumer products, obtains corresponding first consumption of the target consumer type and produces
Product can produce the highest consumption of user's evaluation in first consumer products to analyze first consumer products
Product push to first user.
Step S304: target consumer product is determined from first consumer products according to the second preset rules.
In the concrete realization, second preset rules can be user's evaluation in first consumer products is higher
One or more consumer products as the target consumer product, be also possible to by consumption quantity in first consumer products compared with
More one or more consumer products are also possible to as the target consumer product by discount in first consumer products
One or more consumer products with stronger dynamics are as the target consumer product；It can also be and obtain first consumer products
Corresponding trade company's star evaluation, corresponding first consumer products of the Jia Huoduojia trade company that trade company's star is had higher rating are made
For the target consumer product, it can also be other rule settings, the present embodiment is without restriction to this.
It will be appreciated that the usually target user consumes by the virtual credit card, it is logical when payment is completed
Target user described in Chang Huixiang pushes user's evaluation interface, and the target user is allowed to disappear by the user's evaluation interface to described
Expense product and/trade company are evaluated, and the evaluation of the usual target user has reference value for first user, in order to
So that more meeting the target consumer product of first user push consumption habit of first user, the present embodiment
In, the step S304, comprising: the first user's evaluation of first consumer products is extracted from the consumer record, it will
Highest first consumer products of first user's evaluation are as target consumer product.
In a second embodiment, the consumer products in the consumer products list are divided according to default consumption type
Class obtains consumption classification chart, the consumption number of times of each default consumption type in the consumption classification chart is counted, by the consumption number of times
For highest default consumption type as target consumer type, consumption number of times are more, illustrate that corresponding default consumption type is described
The maximum consumption type of target user's demand obtains corresponding first consumer products of the target consumer type, pre- according to second
If rule determines target consumer product from first consumer products, from the maximum consumption type of target user's demand
The target consumer product of middle extraction more meets the consumption habit for having applied for first user of same loan product, from
And promote user experience.
It is the flow diagram for the information-pushing method 3rd embodiment tracked the present invention is based on consumption referring to Fig. 4, Fig. 4,
Based on above-mentioned second embodiment shown in Fig. 3, propose that the present invention is based on the 3rd embodiments of the information-pushing method of consumption tracking.
In the third embodiment, after the step S40, comprising:
Step S50: extracting consumption address from the consumer record, the frequency of the consumption address is calculated, by frequency
Highest consumption address is as target consumer address.
It should be understood that when the consumer record includes merchant information, consumption address, payment amount, consumer products, consumption
Between and the information such as user's evaluation, then the consumption address can be extracted from the consumer record, the usual consumption address is just
Refer to that the target user generates the geographical location information of the trade company of the consumer record, calculates the consumption address and disappear described
The frequency occurred in expense record, generally for the consumption address without being accurate to specific number, usual user is often consumed
Be fixed one or several commercial circles, the highest consumption address of frequency is the consumption address that the target user often consumes,
As the target consumer address, illustrate that the target consumer address is that the target user likes or from the ground obtained closely
Location can then obtain the merchant information near the target consumer address, analyze the merchant information, can be by user's evaluation
Higher merchant information pushes to the target user, to promote the target user to consume, to employ the target
Loan product.
Step S60: the first merchant information in the predeterminable area of the target consumer address is obtained.
It will be appreciated that the target consumer address may only represent the geographical location letter of one or several trade company
Breath, the usual target consumer address be in some commercial circle or near, then the target consumer address can be analyzed, be sentenced
Break the target consumer address whether be in some commercial circle or near, can set described pre- for region locating for the commercial circle
If region, then the first merchant information in the predeterminable area of the target consumer address can be obtained, and believe first trade company
Breath is analyzed, and the first merchant information for more meeting target user's consumption demand is pushed to the target user, or
The evaluation of trade company's star, the Jia Huoduojia trade company that trade company's star is had higher rating are extracted from first merchant information
Information pushes to the target user, can also determine which the first merchant information, which is pushed to the target, uses by other means
Family, the present embodiment are without restriction to this.
Step S70: target merchant information is determined from first merchant information according to third preset rules.
In the concrete realization, the third preset rules, which can be, extracts trade company's star from first merchant information
Evaluation, one that trade company's star is had higher rating or the first merchant information of more families are as the target merchant information；It can also
To be that will extract trade company's product information in first merchant information, by trade company's product information according to default consumption type
Classify, using corresponding first merchant information of the trade company's product information for belonging to the target consumer type as the target quotient
Family information；It can also be other rule settings, the present embodiment is without restriction to this.
It should be noted that currently, many consumer application programs (for example, Meituan, public comment or the application such as be hungry
Program) provide trade company's product promotion or service when, customer consumption complete when, all can presentation user evaluate interface, invite use
The product or trade company consumed are evaluated in family, and usual user's evaluation more can reflect the product quality or clothes of different trade companies
It is engaged in quality, recommends the first merchant information being worth to push to the target user to will more have, in the present embodiment, the step
S70, comprising: the second user is evaluated highest first trade company by the second user evaluation for obtaining first merchant information
Information is as target merchant information.
Step S80: the target merchant information is pushed to the target user.
It should be understood that one that trade company's star is had higher rating or the first merchant information of more families are as the target
Merchant information pushes to the target user, or the trade company's product information corresponding first that will belong to the target consumer type
Merchant information pushes to the target user as the target merchant information；Or by second user evaluation highest the
One merchant information is pushed to the target user as target merchant information, can be by product quality or service quality more preferably
Trade company pushes to the target user, to promote user experience.
In the third embodiment, consumption address is extracted from the consumer record, calculates the frequency of the consumption address,
Using the highest consumption address of frequency as target consumer address, the highest consumption address of frequency is usually that the target user likes
Or from the address obtained closely, the first merchant information in the predeterminable area of the target consumer address is obtained, it is default according to third
Rule determines target merchant information from first merchant information, and the target merchant information is pushed to the target and is used
Family promotes user experience so that user be allowed to receive product quality or service quality more preferably merchant information.
It is the flow diagram for the information-pushing method fourth embodiment tracked the present invention is based on consumption referring to Fig. 5, Fig. 5,
Based on above-mentioned first embodiment, second embodiment and 3rd embodiment, propose that the present invention is based on the information push sides of consumption tracking
The fourth embodiment of method.In the present embodiment, it is illustrated based on first embodiment.
In the fourth embodiment, before the step S10, further includes:
Step S01: obtaining the application status of the target loan product of target user, judges whether the application status is Shen
It please succeed.
It will be appreciated that user applies for the success of target loan product at present, the corresponding target loan of target loan product is straight
It connects and puts into user's bank card, be tracked for the ease of the subsequent whereabouts to the target loan in the target loan product,
It is to apply for that the other users of the target loan product recommend consumer products according to the whereabouts information that the target is provided a loan, to promote
Other users consumption.
It should be understood that the usual target user carries out the target loan product by profession loan application program
Application, can be by extracting the application status of the target loan product from the loan application program, and application shape is stated in judgement
Whether state is to apply successfully.If applying successfully, then virtual credit card corresponding with the target loan product is produced, so that
The target user is consumed by the virtual credit card, and every progress one-time-consumption all generates corresponding consumer record, then
The whereabouts that the target loan in the target loan product can be tracked by the consumer record, so that the loan for understanding user is true
Real purpose and demand.Fail if application, then it, can also root without generating virtual credit card corresponding with the target loan product
According to application failure cause, recommend the loan product for being more suitable for him for the target user.
Step S02: if the application status is to apply successfully, obtaining the corresponding loan gold of the target loan product
Volume generates virtual credit card according to the amount of the loan.
In the concrete realization, it if the application status is to apply successfully, can be obtained from the earmarked loans application program
The corresponding amount of the loan of the target loan product is taken, virtual credit card corresponding with the target loan product is generated, it is described
The amount of virtual credit card is the corresponding amount of the loan of the target loan product.The virtual credit card can be transmitted to described special
With in loan application program, the target user can be consumed by the earmarked loans application program, and from described virtual
The deduction of the corresponding amount of money is carried out in credit card, to realize payment.
In the third embodiment, after the step S02, further includes:
The virtual credit card and default payment application are bound；
Payment instruction is received by the default application program, extracts payment amount from the payment instruction；
The payment amount is paid by the virtual credit card, and generates consumer record.
It should be noted that the use of the more means of payment being at present wechat and Alipay, journey is applied in the default payment
Sequence includes wechat and Alipay etc., can also the virtual credit card and the wechat and Alipay is associated or be tied up respectively
Fixed, when user is paid by wechat or Alipay, it is the virtual credit card that payment approach, which can be set, by described
Virtual credit card is paid, and the corresponding amount of money is deducted from the virtual credit card and realizes payment.
It should be understood that the target user can receive institute by opening the default application program when being paid
Payment instruction is stated, includes the information such as payment amount and consumer products in the usual payment instruction, it can be from the payment instruction
The payment amount is extracted, leads to the virtual credit card and pays the payment amount, and the payment amount and consumption are produced
The information such as product generate consumer record.
In the third embodiment, the application status for obtaining the target loan product of target user, judges the application status
It whether is to apply successfully, if the application status is to apply successfully, obtaining the corresponding amount of the loan of the target loan product,
Virtual credit card is generated according to the amount of the loan, so that the target user is consumed by the virtual credit card, often
It carries out one-time-consumption and all generates corresponding consumer record, the mesh in the target loan product can be tracked by the consumer record
The whereabouts for marking loan, thus the true purpose of the loan for understanding user and demand.
In addition, the embodiment of the present invention also proposes a kind of storage medium, it is stored on the storage medium based on consumption tracking
Information push products, it is described based on consumption tracking information push products be executed by processor when realize base as described above
In the step of consuming the information-pushing method of tracking.
In addition, the embodiment of the present invention also proposes a kind of information push-delivery apparatus based on consumption tracking, the base referring to Fig. 6
It include: to obtain module 10, extraction module 20, determining module 30 and pushing module 40 in the information push-delivery apparatus that consumption is tracked；
The acquisition module 10, for obtaining the corresponding virtual credit card of target loan product of target user；
The extraction module 20, for extracting consumer record from the virtual credit card, from the consumer record
Extract consumer products list；
The determining module 30, for determining target consumer from the consumer products list according to the first preset rules
Product；
The pushing module 40, for obtaining the first user for applying for the target loan product, by the target consumer
Product is pushed to first user.
In one embodiment, the information push-delivery apparatus based on consumption tracking includes: categorization module and statistical module；
The categorization module, for being divided the consumer products in the consumer products list according to default consumption type
Class obtains consumption classification chart；
The statistical module will be described for counting the consumption number of times of each default consumption type in the consumption classification chart
The highest default consumption type of consumption number of times is as target consumer type；
The acquisition module 10 is also used to obtain corresponding first consumer products of the target consumer type；
The determining module 30 is also used to determine that target disappears from first consumer products according to the second preset rules
Take product.
In one embodiment, the determining module 30 is also used to extract first consumption from the consumer record
First user's evaluation of product, using highest first consumer products of first user's evaluation as target consumer product.
In one embodiment, the information push-delivery apparatus based on consumption tracking includes: computing module；
The computing module calculates the frequency of the consumption address for extracting consumption address from the consumer record
Rate, using the highest consumption address of frequency as target consumer address；
The acquisition module 10, is also used to obtain the first merchant information in the predeterminable area of the target consumer address；
The determining module 30 is also used to determine target quotient from first merchant information according to third preset rules
Family information；
The pushing module 40 is also used to the target merchant information being pushed to the target user.
In one embodiment, the acquisition module 10 is also used to obtain the second user evaluation of first merchant information,
The second user is evaluated into highest first merchant information as target merchant information.
In one embodiment, the information push-delivery apparatus based on consumption tracking includes: judgment module and generation module；
The judgment module, the application status of the target loan product for obtaining target user, judges the application shape
Whether state is to apply successfully；
The generation module, if being to apply successfully, it is corresponding obtaining the target loan product for the application status
The amount of the loan, according to the amount of the loan generate virtual credit card.
In one embodiment, the information push-delivery apparatus based on consumption tracking includes: binding module；
The binding module, for binding the virtual credit card and default payment application；
The extraction module 20 is also used to receive payment instruction by the default application program, from the payment instruction
In extract payment amount；
The generation module is also used to pay the payment amount by the virtual credit card, and generates consumer record.
The other embodiments or specific implementation of information push-delivery apparatus of the present invention based on consumption tracking can refer to
Above-mentioned each method embodiment, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.If listing equipment for drying
Unit claim in, several in these devices, which can be, to be embodied by the same item of hardware.Word first,
Second and the use of third etc. do not indicate any sequence, can be title by these word explanations.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
(such as read-only memory mirror image (Read Only Memory image, ROM)/random access memory (Random Access
Memory, RAM), magnetic disk, CD) in, including some instructions are used so that terminal device (can be mobile phone, computer,
Server, air conditioner or network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of information-pushing method based on consumption tracking, which is characterized in that the information push side based on consumption tracking
Method the following steps are included:
Obtain the corresponding virtual credit card of target loan product of target user；
Consumer record is extracted from the virtual credit card, consumer products list is extracted from the consumer record；
Target consumer product is determined from the consumer products list according to the first preset rules；
The first user for applying for the target loan product is obtained, the target consumer product is pushed to first user.
2. the information-pushing method as described in claim 1 based on consumption tracking, which is characterized in that described default according to first
Rule determines target consumer product from the consumer products list, comprising:
Consumer products in the consumer products list are classified according to default consumption type, obtain consumption classification chart；
The consumption number of times for counting each default consumption type in the consumption classification chart, by the highest default consumption of the consumption number of times
Type is as target consumer type；
Obtain corresponding first consumer products of the target consumer type；
Target consumer product is determined from first consumer products according to the second preset rules.
3. the information-pushing method as claimed in claim 2 based on consumption tracking, which is characterized in that described default according to second
Rule determines target consumer product from first consumer products, comprising:
The first user's evaluation that first consumer products are extracted from the consumer record, most by first user's evaluation
The first high consumer products are as target consumer product.
4. the information-pushing method as claimed in claim 3 based on consumption tracking, which is characterized in that described in the acquisition application
First user of target loan product, it is described based on consumption after the target consumer product is pushed to first user
The information-pushing method of tracking further include:
Consumption address is extracted from the consumer record, the frequency of the consumption address is calculated, by the highest area of consumption of frequency
Location is as target consumer address；
Obtain the first merchant information in the predeterminable area of the target consumer address；
Target merchant information is determined from first merchant information according to third preset rules；
The target merchant information is pushed to the target user.
5. the information-pushing method as claimed in claim 4 based on consumption tracking, which is characterized in that described default according to third
Rule determines target merchant information from first merchant information, comprising:
The second user evaluation for obtaining first merchant information, evaluates highest first merchant information for the second user and makees
For target merchant information.
6. the information-pushing method based on consumption tracking as described in any one of claims 1 to 5, which is characterized in that described
Before the corresponding virtual credit card of target loan product for obtaining target user, the information-pushing method based on consumption tracking
Further include:
The application status for obtaining the target loan product of target user, judges whether the application status is to apply successfully；
If the application status is to apply successfully, the corresponding amount of the loan of the target loan product being obtained, according to the loan
The money amount of money generates virtual credit card.
7. the information-pushing method as claimed in claim 6 based on consumption tracking, which is characterized in that if the application shape
State is to apply successfully, then obtains the corresponding amount of the loan of the target loan product, generates virtual letter according to the amount of the loan
After card, the information-pushing method based on consumption tracking further include:
The virtual credit card and default payment application are bound；
Payment instruction is received by the default application program, extracts payment amount from the payment instruction；
The payment amount is paid by the virtual credit card, and generates consumer record.
8. a kind of information pushing equipment based on consumption tracking, which is characterized in that the information push based on consumption tracking is set
It is standby to include: memory, processor and be stored on the memory and what be run on the processor is tracked based on consumption
Information push products, it is described based on consumption tracking information push products is executed by the processor when realize such as claim
The step of described in any one of 1 to 7 based on the information-pushing method for consuming tracking.
9. a kind of storage medium, which is characterized in that the information push products based on consumption tracking is stored on the storage medium,
The information push products based on consumption tracking is realized as described in any one of claims 1 to 7 when being executed by processor
The step of based on the information-pushing method for consuming tracking.
10. a kind of information push-delivery apparatus based on consumption tracking, which is characterized in that the information based on consumption tracking pushes dress
Set includes: to obtain module, extraction module, determining module and pushing module；
The acquisition module, for obtaining the corresponding virtual credit card of target loan product of target user；
The extraction module is extracted from the consumer record for extracting consumer record from the virtual credit card
Consumer products list；
The determining module, for determining target consumer product from the consumer products list according to the first preset rules；
The pushing module pushes away the target consumer product for obtaining the first user for applying for the target loan product
Give first user.
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| CN201810951423.XA CN109714381B (en) | 2018-08-20 | 2018-08-20 | Consumption tracking based information pushing method, equipment, storage medium and device |
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| CN201810951423.XA CN109714381B (en) | 2018-08-20 | 2018-08-20 | Consumption tracking based information pushing method, equipment, storage medium and device |
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| CN114722278A (en) * | 2022-03-31 | 2022-07-08 | 北京金堤科技有限公司 | Method and device for pushing information, storage medium and electronic equipment |
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| CN109714381B (en) | 2022-10-14 |
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