CN109934614A - A kind of credit card promotion method and device based on Consumption thermodynamic chart - Google Patents
A kind of credit card promotion method and device based on Consumption thermodynamic chart Download PDFInfo
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Abstract
The present invention is suitable for technical field of data processing, provides a kind of credit card promotion method, device and computer equipment based on Consumption thermodynamic chart.Wherein, method includes: the consumption data for obtaining each consumption node in multiple consumption nodes in predeterminable area；Predeterminable area is divided according to geographical location, obtains multiple subregions；The consumption data in subregion is analyzed according to model trained in advance, obtains the consumption potentiality value of each subregion；The mapping relations of consumption potentiality value and geographical location based on subregion are ranked up consumption potential value, obtain the Consumption thermodynamic chart of characterization subregion consumption potentiality value；Top n subregion is obtained according to Consumption thermodynamic chart；The consumption geographical location of top n subregion is obtained, N is the integer greater than 1；Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, and marketing personnel are recommended into the distributed intelligence and carry out the distribution that credit card recommends personnel.
Description
Technical field
The invention belongs to technical field of data processing more particularly to a kind of being divided based on consumption based on Consumption thermodynamic chart
Analyse credit card promotion method, device, storage medium and the computer equipment of thermodynamic chart.
Background technique
As the improvement of people's living standards, credit card has goed deep into the every aspect of people's personal consumption, it is however generally that,
The university student for example just to have graduated or the white collar for having one section of work experience of more youth are the major consumers users of credit card, no
Crossing and still having the user of larger proportion is not open credit card.Therefore, credit card can be seen in many markets to promote
Personnel set up a stall this credit card way of promotion needle extensively casted net for promoting credit card, however current in the biggish place of flow of the people
It is not strong enough to property, promote that spent human cost is higher, and the success rate promoted is lower.
In conclusion current credit card promotion method has that popularization success rate is low.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of credit card promotion methods based on Consumption thermodynamic chart, dress
It sets, storage medium and computer equipment, is deposited with solving the credit card promotion method based on Consumption thermodynamic chart in the prior art
Promoting the low problem of success rate.
The first aspect of the embodiment of the present invention provides a kind of credit card promotion method based on Consumption thermodynamic chart, packet
It includes:
The consumption data of each consumption node in multiple consumption nodes in predeterminable area is obtained, the consumption data includes disappearing
Take the geographical location information of node；
The predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion includes
At least one consumption node；
The consumption data in the subregion is analyzed according to consumption potentiality value analysis model trained in advance, is obtained
The consumption potentiality value of each subregion；
Based on the consumption potentiality value of the subregion and the mapping relations in geographical location, the consumption potentiality value is arranged
Sequence obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
The consumption geographical location of top n subregion is obtained according to the Consumption thermodynamic chart, the N is whole greater than 1
Number；
Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, so that marketing personnel are according to described
Credit card promotional personnel are arranged in distributed intelligence, wherein the distributed intelligence includes on the geographical location of the top n subregion
The credit card promotional personal information of arrangement.
The second aspect of the embodiment of the present invention provides a kind of credit card popularization device based on Consumption thermodynamic chart, packet
It includes:
First obtains module, for obtaining the consumption data of each consumption node in multiple consumption nodes in predeterminable area,
The consumption data includes the geographical location information for consuming node；
Division module obtains multiple subregions, often for dividing according to the geographical location to the predeterminable area
Sub-regions include at least one consumption node；
Analysis module, the consumption potentiality value analysis model trained in advance for basis is to the consumption data in the subregion
It is analyzed, obtains the consumption potentiality value of each subregion；
Conversion module, for disappearing to described based on the consumption potentiality value of the subregion and the mapping relations in geographical location
Expense potential value is ranked up, and obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
Second obtains module, for obtaining the consumption geographical location of top n subregion according to the Consumption thermodynamic chart,
The N is the integer greater than 1；
Third obtains module, for obtaining credit card promotional personnel distributed intelligence based on the Consumption thermodynamic chart, and
Marketing personnel are recommended into the distributed intelligence and carry out the distribution that credit card recommends personnel, wherein the distributed intelligence is included in
The credit card promotional personal information arranged on the consumption geographical location of the top n subregion.
The third aspect of the embodiment of the present invention provides a kind of computer equipment, comprising: memory, processor and storage
In the memory and the computer program that can run on the processor, the processor execute the computer program
When perform the steps of
The consumption data of each consumption node in multiple consumption nodes in predeterminable area is obtained, the consumption data includes disappearing
Take the geographical location information of node；
The predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion includes
At least one consumption node；
The consumption data in the subregion is analyzed according to consumption potentiality value analysis model trained in advance, is obtained
The consumption potentiality value of each subregion；
Based on the consumption potentiality value of the subregion and the mapping relations in geographical location, the consumption potentiality value is arranged
Sequence obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
The consumption geographical location of top n subregion is obtained according to the Consumption thermodynamic chart, the N is whole greater than 1
Number；
Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, so that marketing personnel are according to described
Credit card promotional personnel are arranged in distributed intelligence, wherein the distributed intelligence includes on the geographical location of the top n subregion
The credit card promotional personal information of arrangement.
The fourth aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
The consumption data of each consumption node in multiple consumption nodes in predeterminable area is obtained, the consumption data includes disappearing
Take the geographical location information of node；
The predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion includes
At least one consumption node；
The consumption data in the subregion is analyzed according to consumption potentiality value analysis model trained in advance, is obtained
The consumption potentiality value of each subregion；
Based on the consumption potentiality value of the subregion and the mapping relations in geographical location, the consumption potentiality value is arranged
Sequence obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
The consumption geographical location of top n subregion is obtained according to the Consumption thermodynamic chart, the N is whole greater than 1
Number；
Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, so that marketing personnel are according to described
Credit card promotional personnel are arranged in distributed intelligence, wherein the distributed intelligence includes on the geographical location of the top n subregion
The credit card promotional personal information of arrangement.
The embodiment of the present invention is by obtaining multiple consumption datas for consuming each consumption node in nodes, institute in predeterminable area
Stating consumption data includes the geographical location information for consuming node；The predeterminable area is divided according to the geographical location,
Multiple subregions are obtained, each subregion includes at least one consumption node；Mould is analyzed according to consumption potentiality value trained in advance
Type analyzes the consumption data in the subregion, obtains the consumption potentiality value of each subregion；Based on the son
The consumption potentiality value in region and the mapping relations in geographical location are ranked up the consumption potentiality value, obtain characterization subregion
The Consumption thermodynamic chart of consumption potentiality value；The consumption geography position of top n subregion is obtained according to the Consumption thermodynamic chart
It sets, the N is the integer greater than 1；Based on the Consumption thermodynamic chart obtain credit card promotional personnel distributed intelligence, described point
Cloth information includes the credit card promotional personal information arranged on the geographical location of the top n subregion.As it can be seen that this programme can
To obtain N number of subregion that consumption potentiality value is preceding N according to Consumption thermodynamic chart；Obtain the consumption of the top n subregion
Then geographical location arranges the credit card extension worker of respective numbers on N number of subregion, substantially increases the needle of popularization
To property, to improve the success rate of credit card popularization, solves credit card promotion method presence in the prior art and promote successfully
The low problem of rate.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the application environment signal of the credit card promotion method in the embodiment of the present invention based on Consumption thermodynamic chart
Figure；
Fig. 2 is the implementation process for the credit card promotion method based on Consumption thermodynamic chart that the embodiment of the present invention one provides
Schematic diagram；
Fig. 3 is the implementation process for the credit card promotion method based on Consumption thermodynamic chart that one embodiment of the invention provides
Schematic diagram；
Fig. 4 be another embodiment of the present invention provides the credit card promotion method based on Consumption thermodynamic chart realization stream
Journey schematic diagram；
Fig. 5 is the realization stream of the real credit card promotion method based on Consumption thermodynamic chart for further applying example offer of the invention
Journey schematic diagram；
Fig. 6 is the realization stream for the credit card promotion method based on Consumption thermodynamic chart that yet another embodiment of the invention provides
Journey schematic diagram；
Fig. 7 is the schematic diagram that the credit card provided by Embodiment 2 of the present invention based on Consumption thermodynamic chart promotes device；
Fig. 8 is that the credit card based on Consumption thermodynamic chart that one embodiment of the invention provides promotes third acquisition in device
The schematic diagram of module；
Fig. 9 is the schematic diagram for the computer equipment that the embodiment of the present invention three provides.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, the following is a description of specific embodiments.
Embodiment one
Credit card promotion method provided by the present application based on Consumption thermodynamic chart can be applicable to and apply ring such as Fig. 1
In border, wherein computer equipment is communicated by network with server.Wherein, computer equipment/client can with but it is unlimited
In various personal computers, laptop, smart phone, tablet computer and portable wearable device.Server can be used
The server cluster of independent server either multiple servers composition is realized.
In one embodiment, as shown in Fig. 2, providing a kind of credit card promotion method based on Consumption thermodynamic chart, with
This method is illustrated for applying the server in Fig. 1, is included the following steps:
101, the consumption data of each consumption node in multiple consumption nodes in predeterminable area, the consumption data packet are obtained
Include the geographical location information of consumption node.
Wherein, the consumption node is specific shop or shop title；For example, marketing personnel are directed to whole
The consumption node of a Shenzhen, Shenzhen includes Futian District, Nanshan District and Luohu District etc., for example, specific shop can be Shan
Head octadentate the Caspian Sea note butchery (Eight Diagrams ridge shop), wherein Eight Diagrams ridge shop is in In Luohu District of Shenzhen Municipal, and therefore, ox is remembered in octadentate the Caspian Sea, Shantou
Butcher's (Eight Diagrams ridge shop) is a consumption node.
Wherein, the consumption data includes order spending amount and the means of payment.
Further, the consumption data of each consumption node in multiple consumption nodes in predeterminable area is obtained, including as follows
Two ways:
First way:
201, the consumption data of multiple banks each consumption node in multiple consumption nodes in the predeterminable area is obtained；
202, according to keyword out of predeterminable area that filter out default bank in the consumption data multiple consumption nodes
In it is each consumption node consumption data.
In the present embodiment, default bank can be China Construction Bank, the banks such as safety bank or the Industrial and Commercial Bank of China.
The second way:
301, the transaction data base of predetermined bank is obtained；
302, more in the predeterminable area from being filtered out in the transaction data base using the predeterminable area as keyword
The consumption data of each consumption node, the consumption data include the geographical location information for consuming node in a consumption node.
Wherein, the predetermined bank in the present embodiment is generally the title of a bank, such as safety bank, China Reconstructs's silver
Row, the Industrial and Commercial Bank of China and Bank of Shanghai etc..For example, safety bank is obtained in the transaction data base in the whole nation, predeterminable area
For Shenzhen, then filters out in Shenzhen in the data trade library in the whole nation from safety bank and each disappear in multiple consumption nodes
Take the consumption data of node, the consumption data includes the geographical location information for consuming node.For example, safety bank is obtained
Transaction data base in Shenzhen, predeterminable area are Futian District (Shenzhen), then the data trade from safety bank in Shenzhen
The consumption data of each consumption node in multiple consumption nodes in Futian District is filtered out in library, the consumption data includes consumption
The geographical location information of node.It is understood that general each bank all has the number of deals called in oneself banking system
According to permission, therefore the method for the present embodiment be it is feasible also easily.
It is understood that above-mentioned first way or the second way, compared to by " Bank Name " and " region
Geographic position name " keyword as a filter, in the consumer database of the unlimited bank unlimited region (geographical location) of magnanimity
In screened for, improve the efficiency of garbled data.
102, the predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion
Node is consumed including at least one.
Wherein, the subregion includes at least one consumption node, it is preferable that the subregion includes multiple consumption sections
Point, the subregion can be a square or a street；For example, XXX WanDa Plaza, Eight Diagrams road table delicacies street.It can
With understanding, the WanDa Plaza includes multiple shops (consumption node).The standard of division can carry out according to the actual situation
Adjustment, as shown in figure 3, specifically including:
401, the popularity degree of the commercial circle is judged according to the popularity ranking information of the commercial circle in the predeterminable area.
Wherein, popularity ranking information can be popularity rank score (e.g., full marks 100, popularity rank score be 94),
It can be popularity ranking index (e.g., five stars are full marks, and popularity ranking index is three and half stars).Predeterminable area includes at least one
A commercial circle, each commercial circle include at least one subregion.The all corresponding commercial circle comprising the subregion of each subregion.
Specifically, popularity ranking information can be by obtaining, such as described in obtaining inside Alipay public praise in some APP
The popularity ranking information of commercial circle in predeterminable area.
If 402, the popularity degree is higher than the first preset threshold, the commercial circle is drawn according to first criteria for classifying
Point.
If 403, the popularity degree is lower than the first preset threshold, judge whether the popularity degree is higher than the second default threshold
Value divides the commercial circle according to second criteria for classifying if the popularity degree is higher than the second preset threshold；
If 404, the popularity degree is lower than the second preset threshold, the commercial circle is drawn according to the third criteria for classifying
Point, wherein first preset threshold is greater than second preset threshold, and the dividing precision of first criteria for classifying is greater than the
The dividing precision of two criteria for classifying, the dividing precision of second criteria for classifying are greater than the dividing precision of the third criteria for classifying.
It is three grades by measuring two threshold values of popularity degree for market area partition for 402-404, each grade difference
A corresponding criteria for classifying, divides commercial circle with different division sophistications, while improving division flow path efficiency,
The commercial circle for whether being higher than the first preset threshold to popularity degree has carried out more careful division, provides more precisely for follow-up process
Information, e.g., the arrangement of specific personnel provides more accurate guidance.
103, based on the popularity degree grade of the affiliated commercial circle of subregion, according to consumption potentiality value analysis model pair trained in advance
Consumption data in the subregion is analyzed, and each consumption potentiality value of the subregion is obtained.
Wherein, consumption data include position where the consumption node in the subregion, user the means of payment and disappear
Take the amount of money.It preferably, is three grades by market area partition in two threshold values by measuring popularity degree, each grade respectively corresponds
One criteria for classifying, on the basis of being divided with different division sophistications to commercial circle, the people based on the affiliated commercial circle of subregion
Manner grade analyzes the consumption data in the subregion according to consumption potentiality value analysis model trained in advance, right
It analyzes with carrying out hierarchical, is distributed in the commercial circle that more resources go processing commercial circle popularity degree high in the subregion of commercial circle popularity degree
Subregion, such as commercial circle popularity degree be higher than the first preset threshold when, then the commercial circle is drawn according to first criteria for classifying
Point, it improves the specific aim of analysis and improves the efficiency of analysis.
It is modeled for consumer in the consumption data of consumption node.It establishes a kind of towards consumption data on consumption node
Mathematical model, excavate the consumption potentiality value of consumer's respective pay mode on different consumption nodes.
It establishes before model, the conversion including consuming node data, as shown in figure 4, specifically including:
501, by the shop geographical location label in consumer's shopping list in data pool, it is combined into the number of consumption node
According to structure, data structure is as follows:
<consumption node geo-location label, the total amount of<single purchase commodity, the means of payment>>.
Wherein, consumption node geo-location label is used to identify the store location where consumer's purchase commodity, the purchase of < single
Buy the total amount of commodity, the shopping list of each consumer of the means of payment > expression, total amount and correspondence including buying commodity
The means of payment.
502, it is directed to each consumption node geo-location label, it is corresponding per capita to count the consumption node difference means of payment
Spending amount.
Wherein, establish towards consumption node on consumption data mathematical model the following steps are included:
Setting model parameter,
Definition consumption node database D.
D={ ConShopRecord1, ConShopRecord2..., ConShopRecordm, ConShopRecordM,
D is consumption node database, ConShopRecordmIndicate the consumer record details of m-th of consumption node, M is indicated
Consume the number of node；
ConShopRecordm=<aggregate amount, payment term>1, < aggregate amount,
paymentterm>2...,<aggregate amount, paymentterm>Nm}
Wherein,<aggregate amount, paymentterm>mIndicate that the single order of m-th of consumption node consumes gold
Volume and its means of payment, NmIndicate the total number of orders amount that m-th of consumption node is consumed.
503, credit card in the pre-capita consumption amount of money and the preset duration in each consumption node preset duration is obtained
The ratio of the means of payment increases information, and the ratio for obtaining Credit Card Payments mode increases information.
Wherein, preset duration can be one month or a season etc., be not limited thereto.
Trend is obtained by the rising or decline situation of ratio.
504, the credit card purchase potential value of each consumption node is expressed as disappearing per capita with the credit card in preset duration
Take the relevant consumption potentiality function of growth rate of the amount of money and credit card use ratio.
104, based on the consumption potentiality value of the subregion and the mapping relations in geographical location, to the consumption potentiality value into
Row sequence, obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value.
It should be noted that each consumption node corresponds to a ground since subregion includes at least one consumption node
Location tags are managed, therefore the geographical location in mapping relations is one or is the region position for including multiple geographical location labels
It sets, which is corresponding with the consumption potentiality value of subregion.The mapping relations can calculate consumption potentiality value
Real-time perfoming is updated and is saved in the process.
105, the consumption geographical location of top n subregion is obtained according to the Consumption thermodynamic chart, the N is greater than 1
Integer.
Wherein, N can be configured according to actual needs, such as setting N is 5.
106, credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, and by the distributed intelligence
It recommends marketing personnel and carries out the distribution that credit card recommends personnel, wherein the distributed intelligence is included in the top n subregion
Consumption geographical location on the credit card promotional personal information arranged.
The embodiment of the present invention, by obtaining the consumption data of each consumption node in multiple consumption nodes in predeterminable area,
The consumption data includes the geographical location information for consuming node；The predeterminable area is drawn according to the geographical location
Point, multiple subregions are obtained, each subregion includes at least one consumption node；According to consumption potentiality value analysis trained in advance
Model analyzes the consumption data in the subregion, obtains the consumption potentiality value of each subregion；Based on described
The consumption potentiality value of subregion and the mapping relations in geographical location are ranked up the consumption potentiality value, obtain characterization sub-district
The Consumption thermodynamic chart of domain consumption potentiality value；The consumption for obtaining top n subregion according to the Consumption thermodynamic chart is geographical
Position, the N are the integer greater than 1；Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, and will
The distributed intelligence recommends marketing personnel and carries out the distribution that credit card recommends personnel, wherein the distributed intelligence is included in institute
State the credit card promotional personal information arranged on the consumption geographical location of top n subregion.As it can be seen that this programme can be according to consumption
It analyzes thermodynamic chart and obtains N number of subregion that consumption potentiality value is preceding N；The consumption geographical location of the top n subregion is obtained, so
The credit card extension worker for arranging respective numbers on N number of subregion afterwards, substantially increases the specific aim of popularization, to mention
The success rate that high credit card is promoted, solves the credit card promotion method based on Consumption thermodynamic chart in the prior art and exists
Promote the low problem of success rate.
As shown in figure 5, obtaining credit card promotional personnel distributed intelligence based on the Consumption thermodynamic chart, comprising:
601, the consumption potentiality characteristic information that the preset pattern of subregion is indicated on current consumption analysis thermodynamic chart is obtained.
602, according to the mapping relations of the consumption potentiality characteristic information and the quantity of credit card promotional personnel to calculate
State the credit card promotional personal information arranged on the geographical location of top n subregion.
Wherein, the consumption potentiality characteristic information include on Consumption thermodynamic chart the size of preset pattern area and/or
The weight of color, according to the mapping relations of the consumption potentiality characteristic information and the quantity of credit card promotional personnel to calculate
State the credit card promotional personal information arranged on the geographical location of top n subregion, comprising:
According to the weight of the size and/or color of preset pattern area on Consumption thermodynamic chart and credit card promotional people
The credit card promotional personal information that the mapping relations of the quantity of member are arranged on the geographical location to calculate the top n subregion.
Specifically, including following three kinds of modes:
First way specifically comprises the following steps:
701, the weight that the color of preset pattern of subregion is indicated on current consumption analysis thermodynamic chart is obtained；
Wherein, preset pattern can be round or square, can also be adapted to indicate consumption point for other
Analyse the figure of thermodynamic chart sub-zones.
702, according to the mapping relations of the weight of the preset pattern and the quantity of credit card promotional personnel to calculate
State the credit card promotional personal information arranged on the geographical location of top n subregion.
Mapping relations are the mapping relations of the weight of pre-stored color and the quantity of credit card promotional personnel, example
Such as, the consumption potentiality value that can be the weight characterization of graphic color is bigger, indicates the credit card promotional personnel's for needing to arrange
Quantity is more.
Wherein, in order to intuitively determine subregion according to the weight of color, in embodiment, the preset pattern
Shapes and sizes can be set in advance, and remain unchanged.Mapping relations are the weight and credit card of pre-stored preset pattern
The mapping relations of the quantity of sales force indicate the credit card promotional personnel's for needing to arrange for example, it may be weight is deeper
Quantity is more.
The second way specifically comprises the following steps:
801, the size that the area of preset pattern of subregion is indicated on current consumption analysis thermodynamic chart is obtained；
Wherein, in order to intuitively determine subregion according to the weight of color, in embodiment, the preset pattern
Color can preset and remain unchanged；Preset pattern can be round or square, be also possible to the shape of other fixations
Shape is not limited thereto.When preset pattern is round, the default figure that subregion is indicated on current consumption analysis thermodynamic chart is obtained
The size of the area of shape can simplify to obtain the big of the diameter for indicating the figure of subregion on current consumption analysis thermodynamic chart
It is small；When preset pattern is square, the area that the preset pattern of subregion is indicated on current consumption analysis thermodynamic chart is obtained
Size can simplify to obtain the length for indicating the side of square of subregion on current consumption analysis thermodynamic chart.
802, according to the size of Consumption thermodynamic chart sub-zones area and the quantity of credit card promotional personnel
The credit card promotional personal information that mapping relations are arranged on the geographical location to calculate the top n subregion.
Mapping relations are the mapping relations of the size of pre-stored graphics area and the quantity of credit card promotional personnel, example
Such as, the consumption potentiality value that can be the size characterization of graphics area is bigger, indicates the number for needing the credit card promotional personnel arranged
It measures more.The present embodiment establishes consumption potentiality value and the preset pattern face of subregion by indicating subregion with preset pattern
Long-pending corresponding relationship, which is positively related relationship, when the area of preset pattern is bigger, shows preset pattern institute's generation
The consumption potentiality value of the subregion of table is bigger, convenient for intuitively knowing the consumption of top n subregion by Consumption thermodynamic chart
Potentiality ranking.Mapping relations are the mapping of the size of pre-stored subregion area and the quantity of credit card promotional personnel
Relationship indicates to need the quantity of the credit card promotional personnel arranged more for example, it may be subregion area is bigger.
The third mode specifically comprises the following steps:
901, the size of preset pattern area and the weight of color on current consumption analysis thermodynamic chart are obtained；
902, according to the mapping relations of the weight of the size of the area and color and the quantity of credit card promotional personnel
The credit card promotional personal information arranged on geographical location to calculate the top n subregion.
Mapping relations are the number of the size of pre-stored graphics area and the weight of color and credit card promotional personnel
The mapping relations of amount indicate for example, it may be the consumption potentiality value of the weight of the size of graphics area and color characterization is bigger
The quantity for the credit card promotional personnel for needing to arrange is more.
Above-mentioned three kinds of modes can be according to the size and/or colour darkness of preset pattern, based on what is pre-established
Mapping relations are calculated the credit card promotional personal information arranged on the geographical location of the top n subregion, simplify meter
The complexity of calculation improves the accuracy of the efficiency and calculated result of calculating.
Wherein, the mapping relations pre-established include that can also be credit card extension worker people except above-mentioned mapping relations
Several mapping relations with the average service rate of the consumption node credit card of each subregion in the top n subregion.
It should be noted that the geographical location information of top n subregion can also be shown in practical application scene
On the mobile phone app of credit card promotional personnel (customer manager), the Consumption thermodynamic chart can clearly indicate somewhere, certain street
The consumer spending habit (such as credit card purchase or deposit card consumption) in road, and consumer spending habit can be analyzed,
For example credit card purchase growth pattern, user's age etc. update consumer spending habit, prompt credit card promotional personnel at which with this
A geographical location stationary point is to promote credit card.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Embodiment two
Referring to FIG. 6, it illustrates provided by Embodiment 2 of the present invention, the credit card based on Consumption thermodynamic chart is promoted
The schematic diagram of device 90.Credit card based on Consumption thermodynamic chart promotes device 90, comprising: first obtains module 91, subregion
Module 92, analysis module 93, conversion module 94, second obtains module 95 and third acquisition module 96.Wherein, each module is specific
Function is as follows:
First obtains module 91, for obtaining the consumption number of each consumption node in multiple consumption nodes in predeterminable area
According to the consumption data includes the geographical location information for consuming node；
Division module 92 obtains multiple subregions for dividing according to the geographical location to the predeterminable area,
Each subregion includes at least one consumption node；
Analysis module 93, the consumption potentiality value analysis model trained in advance for basis is to the consumption number in the subregion
According to being analyzed, the consumption potentiality value of each subregion is obtained；
Conversion module 94, for based on the consumption potentiality value of the subregion and the mapping relations in geographical location, to described
Consumption potentiality value is ranked up, and obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
Second obtains module 95, for obtaining the consumption geography position of top n subregion according to the Consumption thermodynamic chart
It sets, the N is the integer greater than 1；
Third obtains module 96, for obtaining credit card promotional personnel distributed intelligence based on the Consumption thermodynamic chart,
And marketing personnel are recommended into the distributed intelligence and carry out the distribution that credit card recommends personnel, wherein the distributed intelligence includes
The credit card promotional personal information arranged on the consumption geographical location of the top n subregion.
Optionally, as shown in fig. 7, third acquisition module 96 includes:
Acquiring unit 960 indicates that the consumption of the preset pattern of subregion is latent for obtaining on current consumption analysis thermodynamic chart
Power characteristic information；
Computing unit 962, for the mapping according to the consumption potentiality characteristic information and the quantity of credit card promotional personnel
The credit card promotional personal information that relationship is arranged on the geographical location to calculate the top n subregion.
Optionally, as shown in figure 8, the computing unit 962 includes:
Computation subunit 9620, for according to the size and/or color of preset pattern area on Consumption thermodynamic chart
What the mapping relations of weight and the quantity of credit card promotional personnel were arranged on the geographical location to calculate the top n subregion
Credit card promotional personal information.
Optionally, the division module includes:
Determination unit determines the popularity of the commercial circle for the popularity ranking information according to the commercial circle in the predeterminable area
Degree；
First division unit, if being higher than the first preset threshold for the popularity degree, by the commercial circle according to first stroke
Minute mark standard is divided；
Second division unit judges whether the popularity degree is high if being lower than the first preset threshold for the popularity degree
In the second preset threshold, if the popularity degree is higher than the second preset threshold, the commercial circle is carried out according to second criteria for classifying
It divides, then divides the commercial circle according to the second standard；
Third division unit draws the commercial circle according to third if being lower than the second preset threshold for the popularity degree
Minute mark standard is divided, wherein first preset threshold is greater than second preset threshold, and first criteria for classifying is drawn
The dividing precision of the dividing precision for dividing precision to be greater than second criteria for classifying, second criteria for classifying is greater than the third criteria for classifying
Dividing precision.
Optionally, the credit card based on Consumption thermodynamic chart promotes device 90 further include:
Composite module, for being combined into consumption for the consumer's shopping list and shop geographical location label in data pool
The data structure of node, consumer's shopping list include the total amount and the means of payment of single purchase commodity, the data
Structure includes consuming the total amount and the means of payment of node geo-location label, single purchase commodity；
Statistical module, for counting the consumption section for each consumption node geo-location label in the data structure
The corresponding pre-capita consumption amount of money of the different means of payment of point, the difference means of payment includes Credit Card Payments mode；
Obtain module, for obtain it is each consumption node preset duration in the pre-capita consumption amount of money and it is described default when
The ratio of Credit Card Payments mode increases information in long, and the ratio for obtaining Credit Card Payments mode increases information；
Function construct module, for by it is each consumption node credit card purchase potential value be expressed as in preset duration
The relevant consumption potentiality function of the growth rate of the credit card pre-capita consumption amount of money and credit card use ratio, by the consumption potentiality
Initial model of the function as the consumption potentiality value analysis model.
Credit card provided in an embodiment of the present invention based on Consumption thermodynamic chart promotes device, by obtaining predeterminable area
The consumption data of each consumption node in interior multiple consumption nodes, the consumption data include the geographical location letter for consuming node
Breath；The predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion includes at least one
A consumption node；The consumption data in the subregion is analyzed according to consumption potentiality value analysis model trained in advance,
Obtain the consumption potentiality value of each subregion；The mapping of consumption potentiality value and geographical location based on the subregion is closed
System, is ranked up the consumption potentiality value, obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；According to described
Consumption thermodynamic chart obtains the consumption geographical location of top n subregion, and the N is the integer greater than 1；Based on the consumption point
It analyses thermodynamic chart and obtains credit card promotional personnel distributed intelligence, and marketing personnel's progress credit card is recommended into the distributed intelligence and is pushed away
Recommend the distribution of personnel, wherein the distributed intelligence includes the credit arranged on the consumption geographical location of the top n subregion
Block sales force's information.As it can be seen that this programme can obtain N number of sub-district that consumption potentiality value is preceding N according to Consumption thermodynamic chart
Domain；The consumption geographical location of the top n subregion is obtained, the credit of respective numbers is then arranged on N number of subregion
Block extension worker, substantially increase the specific aim of popularization, to improve the success rate of credit card popularization, solves the prior art
In the credit card promotion method based on Consumption thermodynamic chart there is a problem of promote success rate it is low.
Embodiment three
Fig. 9 is a kind of computer equipment that the embodiment of the present invention three provides, including memory, processor and is stored in storage
On device and the computer program that can run on a processor, processor are realized in above-described embodiment when executing computer program and are based on
The step of credit card promotion method of Consumption thermodynamic chart, such as step 101 shown in Fig. 2 is to step 106.Alternatively, processing
Device realized when executing computer program credit card in above-described embodiment based on Consumption thermodynamic chart promote each module of device/
The function of unit, such as module 91 shown in Fig. 7 is to the function of module 96.To avoid repeating, which is not described herein again.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program realizes the step of credit card promotion method in above-described embodiment based on Consumption thermodynamic chart when being executed by processor,
Such as step 101 shown in Fig. 2 is to step 106.Alternatively, realizing base in above-described embodiment when computer program is executed by processor
The function of each module/unit of device is promoted in the credit card based on Consumption thermodynamic chart of Consumption thermodynamic chart, such as
Module 91 shown in Fig. 6 to module 96 function.To avoid repeating, which is not described herein again.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of credit card promotion method based on Consumption thermodynamic chart characterized by comprising
The consumption data of each consumption node in multiple consumption nodes in predeterminable area is obtained, the consumption data includes consumption section
The geographical location information of point；
The predeterminable area is divided according to the geographical location, obtains multiple subregions, each subregion includes at least
One consumption node；
Popularity degree grade based on the affiliated commercial circle of subregion, according to consumption potentiality value analysis model trained in advance to the sub-district
Consumption data in domain is analyzed, and each consumption potentiality value of the subregion is obtained；
Based on the consumption potentiality value of the subregion and the mapping relations in geographical location, the consumption potentiality value is ranked up,
Obtain the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
The consumption geographical location of top n subregion is obtained according to the Consumption thermodynamic chart, the N is the integer greater than 1；
Credit card promotional personnel distributed intelligence is obtained based on the Consumption thermodynamic chart, and battalion is recommended into the distributed intelligence
Pin personnel carry out the distribution that credit card recommends personnel, wherein the distributed intelligence includes the area of consumption in the top n subregion
The credit card promotional personal information arranged on reason position.
2. the credit card promotion method according to claim 1 based on Consumption thermodynamic chart, which is characterized in that be based on institute
It states Consumption thermodynamic chart and obtains credit card promotional personnel distributed intelligence, comprising:
Obtain the consumption potentiality characteristic information that the preset pattern of subregion is indicated on current consumption analysis thermodynamic chart；
Top n is calculated according to the mapping relations of the consumption potentiality characteristic information and the quantity of credit card promotional personnel
The credit card promotional personal information arranged on the geographical location in region.
3. the credit card promotion method according to claim 2 based on Consumption thermodynamic chart, which is characterized in that according to institute
The mapping relations of consumption potentiality characteristic information and the quantity of credit card promotional personnel are stated to calculate the geography of the top n subregion
The credit card promotional personal information arranged on position, comprising:
The consumption potentiality characteristic information includes the depth of the size and/or color of preset pattern area on Consumption thermodynamic chart
Degree.
4. the credit card promotion method according to claim 1 based on Consumption thermodynamic chart, which is characterized in that according to institute
Geographical location is stated to divide the predeterminable area, comprising:
The popularity degree of the commercial circle is determined according to the popularity ranking information of the commercial circle in the predeterminable area；
If the popularity degree is higher than the first preset threshold, the commercial circle is divided according to first criteria for classifying；
If the popularity degree is lower than the first preset threshold, judge whether the popularity degree is higher than the second preset threshold, if described
Popularity degree is higher than the second preset threshold, then divides the commercial circle according to second criteria for classifying；
If the popularity degree is lower than the second preset threshold, the commercial circle is divided according to the third criteria for classifying, wherein institute
The first preset threshold is stated greater than second preset threshold, the dividing precision of first criteria for classifying is greater than second criteria for classifying
Dividing precision, the dividing precision of second criteria for classifying is greater than the dividing precision of the third criteria for classifying.
5. the credit card promotion method according to claim 1 based on Consumption thermodynamic chart, which is characterized in that in basis
Before trained consumption potentiality value analysis model analyzes the consumption data in the subregion in advance, further includes:
By the consumer's shopping list and shop geographical location label in data pool, it is combined into the data structure of consumption node, institute
State the total amount and the means of payment that consumer's shopping list includes single purchase commodity；
For consumption node geo-location label each in the data structure, it is corresponding to count the consumption node difference means of payment
The pre-capita consumption amount of money, it is described difference the means of payment include Credit Card Payments mode；
Obtain Credit Card Payments mode in the pre-capita consumption amount of money and the preset duration in each consumption node preset duration
Growth ratio, obtain Credit Card Payments mode ratio increase information；
By the credit card pre-capita consumption amount of money and credit in the credit card purchase potential value and preset duration of each consumption node
The functional relation of the growth rate of card use ratio constructs the consumption as consumption potentiality function, based on the consumption potentiality function
Potential value analysis model.
6. a kind of credit card based on Consumption thermodynamic chart promotes device characterized by comprising
First obtains module, described for obtaining the consumption data of each consumption node in multiple consumption nodes in predeterminable area
Consumption data includes the geographical location information for consuming node；
Division module obtains multiple subregions, every height for dividing according to the geographical location to the predeterminable area
Region includes at least one consumption node；
Analysis module, for being carried out according to consumption potentiality value analysis model trained in advance to the consumption data in the subregion
Analysis, obtains the consumption potentiality value of each subregion；
Conversion module, for being dived to the consumption based on the consumption potentiality value of the subregion and the mapping relations in geographical location
Force value is ranked up, and obtains the Consumption thermodynamic chart of characterization subregion consumption potentiality value；
Second obtains module, described for obtaining the consumption geographical location of top n subregion according to the Consumption thermodynamic chart
N is the integer greater than 1；
Third obtains module, for obtaining credit card promotional personnel distributed intelligence based on the Consumption thermodynamic chart, and by institute
It states distributed intelligence and recommends the distribution that marketing personnel carry out credit card recommendation personnel, wherein the distributed intelligence is included in described
The credit card promotional personal information arranged on the consumption geographical location of top n subregion.
7. credit card according to claim 6 based on Consumption thermodynamic chart promotes device, which is characterized in that described the
Three, which obtain modules, includes:
Acquiring unit, for obtaining the consumption potentiality feature letter for indicating the preset pattern of subregion on current consumption analysis thermodynamic chart
Breath；
Computing unit, by the mapping relations according to the consumption potentiality characteristic information and the quantity of credit card promotional personnel come based on
Calculate the credit card promotional personal information arranged on the geographical location of the top n subregion.
8. the credit card according to claim 6 based on Consumption thermodynamic chart promotes device, which is characterized in that the meter
Calculating unit includes:
Computation subunit, for according to the weight of the size and/or color of preset pattern area on Consumption thermodynamic chart with
The credit card that the mapping relations of the quantity of credit card promotional personnel are arranged on the geographical location to calculate the top n subregion pushes away
Sell personal information.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
The step of any one of 5 the method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 5 of realization the method.
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