CN109714381B - Consumption tracking based information pushing method, equipment, storage medium and device - Google Patents
Consumption tracking based information pushing method, equipment, storage medium and device Download PDFInfo
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Abstract
The invention discloses an information pushing method, equipment, a storage medium and a device based on consumption tracking, wherein the method comprises the following steps: acquiring a virtual credit card corresponding to a target loan product of a target user; extracting a consumption record from the virtual credit card, and extracting a consumption product list from the consumption record; determining a target consumer product from the consumer product list according to a first preset rule; and acquiring a first user applying for the target loan product, and pushing the target consumption product to the first user. According to the method and the device, the target consumer product consumed by the target user through the target loan product is determined according to the consumption record of the virtual credit card corresponding to the target loan product, the user applying for the same target loan product generally has the same consumption requirement, and the target consumer product is pushed to the first user applying for the target loan product, so that the product information more meeting the consumption habit and the requirement of the user is pushed for the user, and the user experience is improved.
Description
Technical Field
The present invention relates to the field of information push technologies, and in particular, to a consumption tracking based information push method, device, storage medium, and apparatus.
Background
At present, loans applied by users are usually directly put into bank cards of users, however, other fund sources may exist in the bank cards, for example, payroll income and/or financing income of the users are also put into the bank cards, so that the loan amount and the income of the users are mixed, the consumption of the loan amount is not easy to track, the real use and consumption habits of the loans of the users cannot be known, the connection with the users is interrupted, and the loss and waste of customer resources are caused. How to perform consumption tracking on the loan and how to utilize the loan consumption tracking information to interact with the user so as to improve the user experience are technical problems to be solved urgently.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide an information pushing method, equipment, a storage medium and a device based on consumption tracking, and aims to solve the technical problems that loan consumption cannot be tracked and user loss is caused by less interaction with a user in the prior art.
In order to achieve the above object, the present invention provides an information pushing method based on consumption tracking, which includes the following steps:
acquiring a virtual credit card corresponding to a target loan product of a target user;
extracting a consumption record from the virtual credit card, and extracting a consumption product list from the consumption record;
determining a target consumer product from the consumer product list according to a first preset rule;
and acquiring a first user applying for the target loan product, and pushing the target consumption product to the first user.
Preferably, the determining the target consumer product from the consumer product list according to the first preset rule comprises:
classifying the consumer products in the consumer product list according to a preset consumption type to obtain a consumption classification list;
counting the consumption times of each preset consumption type in the consumption classification table, and taking the preset consumption type with the highest consumption time as a target consumption type;
acquiring a first consumer product corresponding to the target consumption type;
and determining the target consumer product from the first consumer product according to a second preset rule.
Preferably, the determining a target consumer product from the first consumer product according to a second preset rule comprises:
and extracting the first user evaluation of the first consumer product from the consumption record, and taking the first consumer product with the highest first user evaluation as a target consumer product.
Preferably, after the first user who applies for the target loan product is obtained and the target consumption product is pushed to the first user, the consumption tracking-based information pushing method further includes:
extracting a consumption address from the consumption record, calculating the frequency of the consumption address, and taking the consumption address with the highest frequency as a target consumption address;
acquiring first merchant information in a preset area of the target consumption address;
determining target merchant information from the first merchant information according to a third preset rule;
and pushing the target merchant information to the target user.
Preferably, the determining the target merchant information from the first merchant information according to a third preset rule includes:
and acquiring second user evaluation of the first merchant information, and taking the first merchant information with the highest second user evaluation as target merchant information.
Preferably, before the obtaining of the virtual credit card corresponding to the target loan product of the target user, the consumption tracking-based information pushing method further includes:
acquiring an application state of a target loan product of a target user, and judging whether the application state is successful;
and if the application state is successful, obtaining the loan amount corresponding to the target loan product, and generating a virtual credit card according to the loan amount.
Preferably, if the application status is successful, obtaining a loan amount corresponding to the target loan product, and after generating a virtual credit card according to the loan amount, the consumption tracking-based information pushing method further includes:
binding the virtual credit card with a preset payment application program;
receiving a payment instruction through the preset application program, and extracting payment amount from the payment instruction;
and paying the payment amount through the virtual credit card and generating a consumption record.
In addition, in order to achieve the above object, the present invention further provides a consumption tracking based information pushing device, which includes a memory, a processor and a consumption tracking based information pushing program stored in the memory and executable on the processor, where the consumption tracking based information pushing program is configured to implement the steps of the consumption tracking based information pushing method as described above.
In addition, to achieve the above object, the present invention further provides a storage medium, where the storage medium stores a consumption tracking based information pushing program, and the consumption tracking based information pushing program implements the steps of the consumption tracking based information pushing method when executed by a processor.
In order to achieve the above object, the present invention further provides an information pushing apparatus based on consumption tracking, including: the device comprises an acquisition module, an extraction module, a determination module and a pushing module;
the acquisition module is used for acquiring a virtual credit card corresponding to a target loan product of a target user;
the extraction module is used for extracting a consumption record from the virtual credit card and extracting a consumption product list from the consumption record;
the determining module is used for determining a target consumer product from the consumer product list according to a first preset rule;
the pushing module is used for obtaining a first user applying for the target loan products and pushing the target consumer products to the first user.
In the invention, a virtual credit card corresponding to a target loan product of a target user is obtained, a consumption record is extracted from the virtual credit card, a consumption product list is extracted from the consumption record, the target consumption product is determined from the consumption product list according to a first preset rule, users applying for the same target loan product generally have the same consumption requirement, a first user applying for the target loan product is obtained, and the target consumption product is pushed to the first user, so that product information more conforming to the consumption habit and requirement of the user is pushed to the user, and the user experience is improved.
Drawings
FIG. 1 is a schematic diagram of an information pushing apparatus based on consumption tracking for a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of an information pushing method based on consumption tracking according to the present invention;
FIG. 3 is a flowchart illustrating a second embodiment of a consumption tracking-based information pushing method according to the present invention;
FIG. 4 is a flowchart illustrating a third embodiment of an information pushing method based on consumption tracking according to the present invention;
FIG. 5 is a flowchart illustrating a fourth embodiment of an information pushing method based on consumption tracking according to the present invention;
FIG. 6 is a block diagram of a consumption tracking-based information pushing apparatus according to a first embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a schematic structural diagram of an information pushing device based on consumption tracking in a hardware operating environment according to an embodiment of the present invention.
As shown in fig. 1, the consumption tracking based information pushing device may include: a processor 1001, such as a Central Processing Unit (CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), and the optional user interface 1003 may further include a standard wired interface and a wireless interface, and the wired interface for the user interface 1003 may be a USB interface in the present invention. The network interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1005 may be a Random Access Memory (RAM) Memory or a Non-volatile Memory (NVM), such as a disk Memory. The memory 1005 may alternatively be a storage device separate from the processor 1001 described previously.
Those skilled in the art will appreciate that the configuration shown in fig. 1 does not constitute a limitation of the consumption tracking-based information pushing apparatus, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an information push program based on consumption tracking.
In the information pushing apparatus based on consumption tracking shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and communicating data with the backend server; the user interface 1003 is mainly used for connecting user equipment; the consumption tracking based information pushing device calls the consumption tracking based information pushing program stored in the memory 1005 through the processor 1001 and executes the consumption tracking based information pushing method provided by the embodiment of the invention.
Based on the above hardware structure, an embodiment of the information pushing method based on consumption tracking according to the present invention is provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first embodiment of an information pushing method based on consumption tracking according to the present invention, and the first embodiment of the information pushing method based on consumption tracking according to the present invention is provided.
In a first embodiment, the information pushing method based on consumption tracking includes the following steps:
step S10: and acquiring a virtual credit card corresponding to the target loan product of the target user.
It should be understood that the executing entity of the present embodiment is an information pushing device based on consumption tracking, wherein the information pushing device based on consumption tracking may be an electronic device such as a smart phone, a personal computer, a server, etc. The user is usually used to pay with mobile terminals such as cell-phone, and few people use the bank card directly to consume, then the accessible will the target user applies the target loan product is sent to user equipment with the form of virtual credit card, user equipment includes terminal equipment such as smart mobile phone, intelligent wrist-watch, panel computer and/or notebook computer, when the user needs to use the target loan product consumes, the merchant accessible scans virtual credit card is detained and is paid, uses when the virtual credit card consumes, can deduct automatically loan amount in the target loan product, the consumption amount of virtual credit card is the loan amount of target loan product.
It can be understood that when the user consumes through the virtual credit card, the virtual credit card can generate consumption records of information such as consumption merchant information, consumption addresses, payment amounts, consumption products, consumption time, user evaluation and the like, so that consumption habits and consumption requirements of the target user can be learned through the consumption records in the follow-up process, and information push which is more in line with the consumption habits and requirements of the user is provided for the user.
Step S20: and extracting a consumption record from the virtual credit card, and extracting a consumption product list from the consumption record.
It should be noted that, in order to facilitate tracking of the consumption destination of the loan amount of the target loan product, the virtual credit card corresponding to the target loan product is established, a consumption record is generated when the target user consumes using the virtual credit card, and generally, the consumption record includes information such as merchant information, a consumption address, a payment amount, consumption products, consumption time, and user evaluation, so that the consumption record may be extracted from the virtual credit card, and a consumption record is generated for each consumption of the target user, so that all consumption products consumed by the target user through the virtual credit card may be extracted from the consumption record, and the consumption product list is formed.
Step S30: and determining the target consumer product from the consumer product list according to a first preset rule.
In a specific implementation, the first preset rule may be that one or more consumer products with a higher user evaluation in the consumer product list are used as the target consumer product, that one or more consumer products with a higher consumption number in the consumer product list are used as the target consumer product, or that one or more consumer products with a higher discount degree on the consumer product in the consumer product list are used as the target consumer product; the merchant star-level evaluation corresponding to each consumer product in the consumer product list may also be obtained, and the consumer product corresponding to one or more merchants with higher merchant star-level evaluation may be used as the target consumer product, or may be set by other rules, which is not limited in this embodiment.
Step S40: and acquiring a first user applying for the target loan product, and pushing the target consumption product to the first user.
It can be understood that users who generally apply for the same loan product have similar consumption preferences or requirements, and push the consumption product of the target user to other first users who also apply for the target loan product, and the first users do not include the target user, so that the first users can be promoted to consume by using the target loan product, and the pushed target consumption product also better meets the consumption requirements of the first users, thereby promoting the interaction with the users and improving the user experience.
In a first embodiment, a virtual credit card corresponding to a target loan product of a target user is obtained, a consumption record is extracted from the virtual credit card, a consumption product list is extracted from the consumption record, the target consumption product is determined from the consumption product list according to a first preset rule, users applying for the same target loan product generally have the same consumption demand, a first user applying for the target loan product is obtained, and the target consumption product is pushed to the first user, so that product information more conforming to the consumption habit and demand of the first user is pushed to the user, and user experience is improved.
Referring to fig. 3, fig. 3 is a flowchart illustrating a second embodiment of the consumption tracking-based information pushing method according to the present invention, and the second embodiment of the consumption tracking-based information pushing method according to the present invention is proposed based on the first embodiment illustrated in fig. 2.
In the second embodiment, the step S30 includes:
step S301: and classifying the consumer products in the consumer product list according to a preset consumption type to obtain a consumption classification list.
It is understood that the preset consumption types include: diet, house purchasing, travel, financing, transportation and the like. Generally, the consumption products are various, the consumption products can be classified by self according to purposes to obtain the preset consumption types, in order to make the consumption requirements of the target user more clear, the consumption products in the consumption product list are classified according to the preset consumption types, and then various consumption products in the consumption classification list obtained through classification are analyzed, so that the consumption type of the maximum requirement of the target user is judged, the consumption products corresponding to the consumption type of the maximum requirement are pushed, and the consumption requirements of a first user applying for the target loan products are met.
Step S302: and counting the consumption times of each preset consumption type in the consumption classification table, and taking the preset consumption type with the highest consumption time as a target consumption type.
It should be understood that each preset consumption type in the consumption classification table includes a plurality of consumption products, the number of consumption products in each preset consumption type can be counted, the larger the number of consumption products, that is, the larger the number of consumption times, the more the corresponding preset consumption type is the consumption type with the largest user demand, the consumption type is taken as the target consumption type, the consumption product corresponding to the target consumption type is pushed to the first user, and the consumption demand of the first user who applies for the target loan product is more satisfied.
Step S303: and acquiring a first consumer product corresponding to the target consumption type.
It should be noted that, each preset consumption type in the consumption classification table includes a plurality of consumption products, and the target consumption type also corresponds to a plurality of first consumption products, and the first consumption product corresponding to the target consumption type is obtained, so that the first consumption product is analyzed, and the consumption product with the highest evaluation among the first consumption products can be pushed to the first user.
Step S304: and determining the target consumer product from the first consumer product according to a second preset rule.
In a specific implementation, the second preset rule may be that one or more consumer products with higher user evaluation in the first consumer product are used as the target consumer product, that one or more consumer products with a higher consumption amount in the first consumer product are used as the target consumer product, or that one or more consumer products with a higher discount strength in the first consumer product are used as the target consumer product; the merchant star-level evaluation corresponding to the first consumer product may also be obtained, the first consumer product corresponding to one or more merchants with higher merchant star-level evaluation may be used as the target consumer product, and other rule settings may also be used, which is not limited in this embodiment.
It can be understood that, usually, the target user consumes through the virtual credit card, when the payment is completed, a user evaluation interface is usually pushed to the target user, so that the target user evaluates the consumer product and/or merchant through the user evaluation interface, usually, the evaluation of the target user has a reference value for the first user, in order to make the target consumer product pushed to the first user more conform to the consumption habit of the first user, in this embodiment, the step S304 includes: and extracting the first user evaluation of the first consumer product from the consumption record, and taking the first consumer product with the highest first user evaluation as a target consumer product.
In a second embodiment, consumer products in the consumer product list are classified according to preset consumer types to obtain a consumer classification table, the consumption times of each preset consumer type in the consumer classification table are counted, the preset consumer type with the highest consumption times is taken as a target consumer type, the more the consumption times are, the more the corresponding preset consumer type is the consumer type with the highest demand of the target user, a first consumer product corresponding to the target consumer type is obtained, the target consumer product is determined from the first consumer product according to a second preset rule, and the target consumer product extracted from the consumer type with the highest demand of the target user is more in line with the consumption habit of the first user applying for the same loan product, so that the user experience is improved.
Referring to fig. 4, fig. 4 is a flowchart illustrating a third embodiment of the consumption tracking-based information pushing method according to the present invention, and the third embodiment of the consumption tracking-based information pushing method according to the present invention is proposed based on the second embodiment shown in fig. 3.
In the third embodiment, after the step S40, the method includes:
step S50: and extracting a consumption address from the consumption record, calculating the frequency of the consumption address, and taking the consumption address with the highest frequency as a target consumption address.
It should be understood that the consumption record includes information such as merchant information, consumption address, payment amount, consumption product, consumption time, and user evaluation, the consumption address may be extracted from the consumption record, generally, the consumption address refers to geographical location information of a merchant that the target user generates the consumption record, the frequency of the consumption address appearing in the consumption record is calculated, generally, the consumption address does not need to be accurate to a specific house number, generally, the user often consumes a fixed business circle or several business circles, the consumption address with the highest frequency is a consumption address that the target user often consumes, and is taken as the target consumption address, which indicates that the target consumption address is an address that the target user likes or is close to, merchant information near the target consumption address may be obtained, the merchant information may be analyzed, and the merchant information with higher user evaluation may be pushed to the target user to promote consumption of the target user, so as to draw on the target product.
Step S60: and acquiring first merchant information in a preset area of the target consumption address.
It can be understood that the target consumption address may only represent geographic location information of one or a few merchants, and generally, the target consumption address is located in or near a certain business circle, the target consumption address may be analyzed to determine whether the target consumption address is located in or near the certain business circle, an area where the business circle is located may be set as the preset area, first merchant information in the preset area of the target consumption address may be obtained and analyzed, the first merchant information better meeting consumption requirements of the target user is pushed to the target user, or merchant star-level evaluation is extracted from the first merchant information, and one or more merchant information with higher merchant star-level evaluation is pushed to the target user, or which first merchant information is pushed to the target user may be determined in other ways, which is not limited in this embodiment.
Step S70: and determining target merchant information from the first merchant information according to a third preset rule.
In a specific implementation, the third preset rule may be that merchant star-level evaluation is extracted from the first merchant information, and one or more first merchant information with higher merchant star-level evaluation is used as the target merchant information; or extracting merchant product information from the first merchant information, classifying the merchant product information according to a preset consumption type, and taking the first merchant information corresponding to the merchant product information belonging to the target consumption type as the target merchant information; other rule settings are also possible, and this embodiment is not limited thereto.
It should be noted that, currently, when a plurality of consumer applications (for example, applications such as mei-qu, popular comment or hungry applications) provide product promotion or service for merchants, when user consumption is completed, a user evaluation interface is presented to invite a user to evaluate consumed products or merchants, generally, user evaluation can reflect product quality or service quality of different merchants more, and in order to push information of a first merchant with a higher recommended value to the target user, in this embodiment, the step S70 includes: and acquiring second user evaluation of the first merchant information, and taking the first merchant information with the highest second user evaluation as target merchant information.
Step S80: and pushing the target merchant information to the target user.
It should be understood that one or more first merchant information with higher merchant star rating is pushed to the target user as the target merchant information, or first merchant information corresponding to merchant product information belonging to the target consumption type is pushed to the target user as the target merchant information; or the first merchant information with the highest evaluation of the second user is used as target merchant information to be pushed to the target user, and merchants with better product quality or service quality can be pushed to the target user, so that user experience is improved.
In a third embodiment, a consumption address is extracted from the consumption record, the frequency of the consumption address is calculated, the consumption address with the highest frequency is used as a target consumption address, the consumption address with the highest frequency is generally an address which is liked by or close to the target user, first merchant information in a preset area of the target consumption address is obtained, target merchant information is determined from the first merchant information according to a third preset rule, and the target merchant information is pushed to the target user, so that the user receives merchant information with better product quality or service quality, and user experience is improved.
Referring to fig. 5, fig. 5 is a flowchart illustrating a fourth embodiment of the consumption tracking-based information pushing method according to the present invention, and the fourth embodiment of the consumption tracking-based information pushing method according to the present invention is proposed based on the first, second, and third embodiments. In this embodiment, a description is given based on the first embodiment.
In the fourth embodiment, before the step S10, the method further includes:
step S01: and acquiring the application state of the target loan product of the target user, and judging whether the application state is successful.
It can be understood that, at present, a user successfully applies for a target loan product, a target loan corresponding to the target loan product is directly placed into a user bank card, so that the destination of the target loan in the target loan product can be tracked in the following process, and a consumer product is recommended for other users applying for the target loan product according to the destination information of the target loan, so as to promote consumption of other users.
It should be understood that, usually, the target user applies for the target loan product through a professional loan application program, and whether the application state is successful or not can be judged by extracting the application state of the target loan product from the loan application program. If the application is successful, a virtual credit card corresponding to the target loan product can be generated, so that the target user consumes through the virtual credit card, and a corresponding consumption record is generated every time consumption is performed, the destination of the target loan in the target loan product can be tracked through the consumption record, and the real purpose and the demand of the loan of the user can be known. If the application fails, the virtual credit card corresponding to the target loan product does not need to be generated, and the loan product more suitable for the target user can be recommended to the target user according to the reason of the application failure.
Step S02: and if the application state is successful, obtaining the loan amount corresponding to the target loan product, and generating a virtual credit card according to the loan amount.
In a specific implementation, if the application state is successful, the loan amount corresponding to the target loan product may be obtained from the special loan application program, and a virtual credit card corresponding to the target loan product is generated, where the amount of the virtual credit card is the loan amount corresponding to the target loan product. The virtual credit card may be sent to the dedicated loan application, and the target user may consume the virtual credit card through the dedicated loan application and deduct a corresponding amount from the virtual credit card to effect payment.
In the third embodiment, after the step S02, the method further includes:
binding the virtual credit card with a preset payment application program;
receiving a payment instruction through the preset application program, and extracting payment amount from the payment instruction;
and paying the payment amount through the virtual credit card, and generating a consumption record.
It should be noted that, at present, a plurality of payment methods are used, the payment methods are wechat and pay money, the preset payment application program includes wechat and pay money, and the virtual credit card can be associated or bound with the wechat and pay money, respectively, when a user pays through the wechat or pay money, a payment path can be set as the virtual credit card, payment is performed through the virtual credit card, and a corresponding amount is deducted from the virtual credit card to realize payment.
It should be understood that, when performing payment, the target user may receive the payment instruction by opening the preset application program, where the payment instruction generally includes information of a payment amount and a consumer product, the payment amount may be extracted from the payment instruction, the payment amount is paid through the virtual credit card, and a consumption record is generated from the information of the payment amount and the consumer product.
In a third embodiment, the method comprises the steps of obtaining an application state of a target loan product of a target user, judging whether the application state is successful, if the application state is successful, obtaining a loan amount corresponding to the target loan product, and generating a virtual credit card according to the loan amount so that the target user can consume through the virtual credit card, generating a corresponding consumption record every time consumption is carried out, and tracking the destination of the target loan in the target loan product through the consumption record so as to know the true purpose and the requirement of the loan of the user.
Furthermore, an embodiment of the present invention further provides a storage medium, where the storage medium stores an information pushing program based on consumption tracking, and the information pushing program based on consumption tracking, when executed by a processor, implements the steps of the information pushing method based on consumption tracking as described above.
In addition, referring to fig. 6, an embodiment of the present invention further provides an information pushing apparatus based on consumption tracking, where the information pushing apparatus based on consumption tracking includes: the device comprises an acquisition module 10, an extraction module 20, a determination module 30 and a push module 40;
the obtaining module 10 is configured to obtain a virtual credit card corresponding to a target loan product of a target user;
the extraction module 20 is configured to extract a consumption record from the virtual credit card, and extract a consumption product list from the consumption record;
the determining module 30 is configured to determine a target consumer product from the consumer product list according to a first preset rule;
the pushing module 40 is configured to obtain a first user applying for the target loan product, and push the target consumer product to the first user.
In one embodiment, the consumption tracking-based information pushing device comprises: a classification module and a statistic module;
the classification module is used for classifying the consumer products in the consumer product list according to a preset consumption type to obtain a consumption classification list;
the statistical module is used for counting the consumption times of each preset consumption type in the consumption classification table, and taking the preset consumption type with the highest consumption time as a target consumption type;
the obtaining module 10 is further configured to obtain a first consumer product corresponding to the target consumption type;
the determining module 30 is further configured to determine a target consumer product from the first consumer product according to a second preset rule.
In an embodiment, the determining module 30 is further configured to extract a first user rating of the first consumer product from the consumption record, and use the first consumer product with the highest first user rating as the target consumer product.
In one embodiment, the consumption tracking-based information pushing device comprises: a calculation module;
the calculation module is used for extracting a consumption address from the consumption record, calculating the frequency of the consumption address and taking the consumption address with the highest frequency as a target consumption address;
the obtaining module 10 is further configured to obtain first merchant information in a preset area of the target consumption address;
the determining module 30 is further configured to determine target merchant information from the first merchant information according to a third preset rule;
the pushing module 40 is further configured to push the target merchant information to the target user.
In an embodiment, the obtaining module 10 is further configured to obtain a second user evaluation of the first merchant information, and use the first merchant information with the highest second user evaluation as the target merchant information.
In one embodiment, the consumption tracking based information pushing device comprises: the device comprises a judging module and a generating module;
the judging module is used for acquiring the application state of the target loan product of the target user and judging whether the application state is successful;
and the generating module is used for acquiring the loan amount corresponding to the target loan product if the application state is successful, and generating the virtual credit card according to the loan amount.
In one embodiment, the consumption tracking-based information pushing device comprises: a binding module;
the binding module is used for binding the virtual credit card with a preset payment application program;
the extracting module 20 is further configured to receive a payment instruction through the preset application program, and extract a payment amount from the payment instruction;
the generation module is also used for paying the payment amount through the virtual credit card and generating a consumption record.
Other embodiments or specific implementation manners of the consumption tracking based information pushing apparatus according to the present invention may refer to the above method embodiments, and are not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or system comprising the element.
The above-mentioned serial numbers of the embodiments of the present invention are only for description, and do not represent the advantages and disadvantages of the embodiments. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering and these words may be interpreted as names.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention or portions thereof contributing to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (such as a Read Only Memory image (ROM)/Random Access Memory (RAM), a magnetic disk, and an optical disk), and includes several instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (7)
1. An information pushing method based on consumption tracking is characterized in that the information pushing method based on consumption tracking comprises the following steps:
acquiring a virtual credit card corresponding to a target loan product of a target user;
extracting a consumption record from the virtual credit card, and extracting a consumption product list from the consumption record;
determining a target consumer product from the consumer product list according to a first preset rule;
acquiring a first user applying for the target loan product, and pushing the target consumer product to the first user;
determining a target consumer product from the consumer product list according to a first preset rule, wherein the method comprises the following steps:
classifying the consumer products in the consumer product list according to a preset consumption type to obtain a consumption classification list;
counting the consumption times of each preset consumption type in the consumption classification table, and taking the preset consumption type with the highest consumption time as a target consumption type;
acquiring a first consumer product corresponding to the target consumption type;
determining a target consumer product from the first consumer product according to a second preset rule;
the determining a target consumer product from the first consumer product according to a second preset rule comprises:
extracting a first user evaluation of the first consumer product from the consumption record, and taking the first consumer product with the highest first user evaluation as a target consumer product;
after the first user who applies for the target loan product is obtained and the target consumption product is pushed to the first user, the consumption tracking-based information pushing method further comprises the following steps:
extracting a consumption address from the consumption record, calculating the frequency of the consumption address, and taking the consumption address with the highest frequency as a target consumption address;
acquiring first merchant information in a preset area of the target consumption address;
determining target merchant information from the first merchant information according to a third preset rule;
and pushing the target merchant information to the target user.
2. The consumption tracking-based information pushing method according to claim 1, wherein the determining target merchant information from the first merchant information according to a third preset rule comprises:
and acquiring second user evaluation of the first merchant information, and taking the first merchant information with the highest second user evaluation as target merchant information.
3. The consumption tracking-based information pushing method according to claim 1 or 2, wherein before the obtaining of the virtual credit card corresponding to the target loan product of the target user, the consumption tracking-based information pushing method further comprises:
acquiring an application state of a target loan product of a target user, and judging whether the application state is successful;
and if the application state is successful, obtaining the loan amount corresponding to the target loan product, and generating a virtual credit card according to the loan amount.
4. The consumption tracking-based information pushing method according to claim 3, wherein if the application status is successful, obtaining a loan amount corresponding to the target loan product, and after generating a virtual credit card according to the loan amount, the consumption tracking-based information pushing method further comprises:
binding the virtual credit card with a preset payment application program;
receiving a payment instruction through the preset payment application program, and extracting payment amount from the payment instruction;
and paying the payment amount through the virtual credit card and generating a consumption record.
5. An information pushing device based on consumption tracking, characterized in that the information pushing device based on consumption tracking comprises: memory, processor and consumption tracking based information pushing program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the consumption tracking based information pushing method according to any of claims 1 to 4.
6. A storage medium, characterized in that the storage medium stores thereon a consumption tracking based information pushing program, which when executed by a processor implements the steps of the consumption tracking based information pushing method according to any one of claims 1 to 4.
7. An information pushing apparatus based on consumption tracking, characterized in that the information pushing apparatus based on consumption tracking comprises: the device comprises an acquisition module, an extraction module, a determination module and a pushing module;
the acquisition module is used for acquiring a virtual credit card corresponding to a target loan product of a target user;
the extraction module is used for extracting a consumption record from the virtual credit card and extracting a consumption product list from the consumption record;
the determining module is used for determining a target consumer product from the consumer product list according to a first preset rule;
the pushing module is used for acquiring a first user applying for the target loan product and pushing the target consumer product to the first user;
the consumption tracking-based information pushing device comprises: a classification module and a statistic module;
the classification module is used for classifying the consumer products in the consumer product list according to a preset consumption type to obtain a consumption classification list;
the statistical module is used for counting the consumption times of each preset consumption type in the consumption classification table, and taking the preset consumption type with the highest consumption time as a target consumption type;
the acquisition module is further used for acquiring a first consumer product corresponding to the target consumption type;
the determining module is further used for determining a target consumer product from the first consumer product according to a second preset rule;
the determining module is further configured to extract a first user evaluation of the first consumer product from the consumption record, and use the first consumer product with the highest first user evaluation as a target consumer product;
the consumption tracking-based information pushing device comprises: a calculation module;
the calculation module is used for extracting a consumption address from the consumption record, calculating the frequency of the consumption address and taking the consumption address with the highest frequency as a target consumption address;
the acquisition module is further used for acquiring first merchant information in a preset area of the target consumption address;
the determining module is further configured to determine target merchant information from the first merchant information according to a third preset rule;
the pushing module is further configured to push the target merchant information to the target user.
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