CN110246027B - Method and device for reminding performance and electronic equipment - Google Patents
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Abstract
The invention discloses a method and a device for reminding a performance and electronic equipment, wherein the method comprises the following steps: obtaining valid credit labels of target users, wherein each credit label of the target users reflects: the target user shows credit behavior characteristics for corresponding credit products in a credit product set; performing performance reminding setting on the target user according to the effective credit label; and carrying out performance reminding on the credit products in the credit product set used by the target user according to the set content.
Description
Technical Field
The present invention relates to the field of information processing technology, and more particularly, to a performance reminding method, a performance reminding device, an electronic apparatus, and a computer-readable storage medium.
Background
Currently, most credit products provide a performance alert service, for example, a borrowing product alerts a user to perform a performance before a set repayment time arrives, so as to avoid causing a loss of performance to the user. In the prior art, the credit products are all used for carrying out the same performance reminding on all users according to a uniform performance reminding mode set in a given credit scene, and the uniform performance reminding has the problem that part of users are excessively reminded or not reminded enough, so that the technical scheme for customizing the performance reminding mode according to the performance of the users using the credit products is needed.
Disclosure of Invention
An object of the embodiment of the invention is to provide a new technical scheme for performing performance reminding.
According to a first aspect of the present invention, there is provided a performance reminding method, including:
obtaining effective credit labels of target users, wherein each credit label of the target users reflects credit behavior characteristics of the target users for corresponding credit products in a credit product set;
performing performance reminding setting on the target user according to the effective credit label;
and carrying out performance reminding on the credit products in the credit product set used by the target user according to the set content.
Optionally, the method further comprises the step of generating the credit tag, comprising:
for each credit product in the credit product set, respectively obtaining a characteristic value of the credit behavior characteristic according to historical credit behavior data of the corresponding credit product used by the target user within a set time length;
and generating a corresponding credit label according to the characteristic value of the credit behavior characteristic.
Optionally, the credit behavior feature includes a rate of conservation and/or a rate of breach.
Optionally, the obtaining the valid credit label of the target user includes:
Acquiring all credit labels of the target user;
screening at least part of credit labels from all the credit labels as the effective credit labels according to the first occurrence frequency and/or the second occurrence frequency of each credit label in all the credit labels;
wherein the first frequency of occurrence reflects the frequency of occurrence of corresponding credit tags among the all credit tags; the second frequency of occurrence reflects the frequency with which corresponding credit tags appear among all users.
Optionally, the performing, according to the effective credit label, a performance reminding setting on the target user includes:
obtaining credit scores corresponding to each effective credit label;
obtaining the credit score of the target user according to the credit score of each effective credit label and the ratio of each effective credit label in all effective credit labels;
and performing performance reminding setting on the target user according to the credit score.
Optionally, the performing the performance reminding setting on the target user includes:
setting the performance reminding frequency of the target user and setting the performance reminding date of the target user.
Optionally, the obtaining the valid credit label of the target user includes:
and in response to detecting the trigger of any setting event for updating the performance reminding setting, executing the step of acquiring the effective credit label of the target user.
Optionally, the method further comprises:
judging whether the obtained effective credit label meets a set condition or not;
and executing the step of performing the performance reminding setting on the target user according to the effective credit label under the condition that the setting condition is met.
Optionally, the method further comprises:
and under the condition that the setting condition is not met, performing performance reminding setting on the target user according to a preset default value.
Optionally, the method further comprises:
acquiring a permission state for performing performance reminding customization on the target user;
and executing the step of acquiring the effective credit label of the target user under the condition that the authority state is in an open state.
According to a second aspect of the present invention, there is also provided a performance reminding device, comprising:
the system comprises a label acquisition module, a credit product collection module and a credit product collection module, wherein the label acquisition module is used for acquiring effective credit labels of target users, and each credit label of the target users reflects credit behavior characteristics of the target users for corresponding credit products in the credit product collection;
The setting module is used for setting the performance reminding of the target user according to the effective credit label; the method comprises the steps of,
and the execution module is used for carrying out the performance reminding on the credit products in the credit product set used by the target user according to the set content.
According to a third aspect of the present invention, there is also provided an electronic device, including the performance reminding apparatus according to the second aspect of the present invention; alternatively, the system comprises a memory for storing executable instructions and a processor; the processor is used for executing the performance reminding method according to the first aspect of the invention according to the control of the instruction.
According to a fourth aspect of the present invention there is also provided a computer readable storage medium having stored thereon a computer program which when executed by a processor implements the performance reminding method according to the first aspect of the present invention.
The scheme for carrying out the performance reminding according to the embodiment of the invention can carry out the performance reminding setting according to the credit behavior characteristics of the target user by using the credit product, so that the set content according to the setting is more matched with the credit behavior characteristics of the target user relative to the unified and fixed performance reminding setting in the prior art, the personalized customization of the performance reminding is realized, the satisfaction degree of the user on a platform for providing the credit product is further improved, and the use viscosity of the user on the platform is enhanced.
Other features of the present invention and its advantages will become apparent from the following detailed description of exemplary embodiments of the invention, which proceeds with reference to the accompanying drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description, serve to explain the principles of the invention.
FIG. 1 is a block diagram of an alternative hardware configuration of a data processing system that may be used to implement the performance alert method of an embodiment of the present invention.
Fig. 2 is a flowchart of a performance reminding method according to an embodiment of the invention.
Fig. 3 is an interface schematic diagram of a terminal device displaying a performance reminding message.
Fig. 4 is a schematic diagram of an operator interface for opening the authority to customize performance reminders.
FIG. 5 is a schematic diagram of an interactive flow of a performance alert method according to one example of the invention;
fig. 6 is a schematic functional block diagram of a performance reminder according to an embodiment of the present invention.
Fig. 7 is a schematic functional block diagram of an electronic device according to one embodiment of the present invention.
Fig. 8 is a schematic block diagram of an electronic device according to another embodiment of the present invention.
Detailed Description
Various exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that: the relative arrangement of the components and steps, numerical expressions and numerical values set forth in these embodiments do not limit the scope of the present invention unless it is specifically stated otherwise.
The following description of at least one exemplary embodiment is merely exemplary in nature and is in no way intended to limit the invention, its application, or uses.
Techniques, methods, and apparatus known to one of ordinary skill in the relevant art may not be discussed in detail, but are intended to be part of the specification where appropriate.
In all examples shown and discussed herein, any specific values should be construed as merely illustrative, and not a limitation. Thus, other examples of exemplary embodiments may have different values.
It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further discussion thereof is necessary in subsequent figures.
< hardware configuration >
FIG. 1 is a schematic diagram of a hardware architecture of a data processing system to which a performance reminding method according to an embodiment of the present invention may be applied.
As shown in fig. 1, the data processing system 1000 of the present embodiment includes a server 1100, a terminal device 1200, and a network 1300.
The server 1100 may be, for example, a blade server, a rack server, or the like, and the server 1100 may be a server cluster deployed in the cloud, which is not limited herein.
As shown in fig. 1, the server 1100 may include a processor 1110, a memory 1120, an interface device 1130, a communication device 1140, an output device 1150, and an input device 1160. The processor 1110 may be, for example, a central processing unit CPU or the like. The memory 1120 includes, for example, ROM (read only memory), RAM (random access memory), nonvolatile memory such as a hard disk, and the like. The interface device 1130 includes, for example, a USB interface, a serial interface, and the like. The communication device 1140 can perform wired or wireless communication, for example. The output device 1150 includes, for example, a display device or the like. The input device 1160 may include, for example, a touch screen, a keyboard, and the like.
In this embodiment, the server 1100 may be used to participate in implementing the performance reminding method according to any embodiment of the present invention.
The memory 1120 of the server 1100 is configured to store instructions for controlling the processor 1110 to operate in support of implementing the performance alert method according to any of the embodiments of the present invention. The skilled person can design instructions according to the disclosed solution. How the instructions control the processor to operate is well known in the art and will not be described in detail here.
It will be appreciated by those skilled in the art that although a plurality of devices of the server 1100 are shown in fig. 1, the server 1100 of an embodiment of the present invention may involve only some of the devices thereof, for example, only the processor 1110 and the memory 1120.
As shown in fig. 1, the terminal apparatus 1200 may include a processor 1210, a memory 1220, an interface device 1230, a communication device 1240, an output device 1250, an input device 1260, and so on. The processor 1210 may be a central processing unit CPU, microprocessor MCU, or the like. The memory 1220 includes, for example, ROM (read only memory), RAM (random access memory), nonvolatile memory such as a hard disk, and the like. The interface device 1230 includes, for example, a USB interface, a headphone interface, and the like. The communication device 1240 can perform wired or wireless communication, for example. The output device 1250 may include, for example, at least one of a display device, such as a liquid crystal display, a touch display, etc., a speaker. The input device 1260 may include, for example, at least one of a touch screen, a keyboard, a microphone, and the like.
The terminal device 1200 may be any device that can install an application providing a credit product, such as a smart phone, a portable computer, a desktop computer, a tablet computer, etc., without limitation.
In this embodiment, the terminal device 1200 may be used to participate in implementing the performance reminding method according to any embodiment of the present invention.
In an embodiment of the present invention, the memory 1220 of the terminal device 1200 is configured to store instructions for controlling the processor 1210 to operate to support implementation of the performance reminding method according to any embodiment of the present invention. The skilled person can design instructions according to the disclosed solution. How the instructions control the processor to operate is well known in the art and will not be described in detail here.
It will be appreciated by those skilled in the art that although a plurality of devices of the terminal apparatus 1200 are shown in fig. 1, the terminal apparatus 1200 of the embodiment of the present invention may involve only some of the devices thereof.
The communication network 1300 may be a wireless network or a wired network, or may be a local area network or a wide area network. The terminal device 1200 may communicate with the server 1100 through the communication network 1300.
The data processing system 1000 depicted in FIG. 1 is illustrative only and is in no way intended to limit the invention, its application, or uses. For example, although fig. 1 shows only one server 1100 and one terminal apparatus 1200, it is not meant to limit the respective numbers, and a plurality of servers 1100 and/or a plurality of terminal apparatuses 1200 may be included in the data processing system 1000.
The performance reminding method according to any embodiment of the present invention may be implemented by the server 1100, the terminal device 1200, or both the server 1100 and the terminal device 1200 as required, which is not limited herein.
< method example >
Fig. 2 is a flowchart of a performance reminding method according to an embodiment of the invention. As shown in fig. 2, the performance reminding method of the present embodiment may include the following steps S2100 to S2300.
In step S2100, a valid credit tag for the target user is obtained.
In this embodiment, each credit tag of the target user reflects the credit behavior characteristics that the user exhibits for the corresponding credit product in the set of credit products, i.e., each credit tag reflects the credit behavior characteristics that the target user exhibits using the corresponding credit product.
In this embodiment, the target user may be any user registered on the platform providing the credit product.
In this embodiment, the credit products in the credit product set may include a plurality of different credit products provided by the same platform, or may include a plurality of different credit products provided by different platforms, and for the latter, only a data channel is opened between the platforms, so that the implementation platform of this embodiment may obtain historical behavior data generated by the target user on other platforms, which is not limited herein.
In this embodiment, the credit products in the credit product set may be any products that provide a pre-payment service for the user, such as a loan product, a consumer credit product, etc., where the loan product mainly refers to a credit product that provides a loan for the user, and the user returns principal and interest on schedule, and the consumer credit product mainly refers to a credit product that is consumed first and then paid.
In this embodiment, the credit behavior feature may include a rate of conservation and/or a rate of default, etc. of the target user using any credit product in the credit product set for the first set length of time.
The credit line feature may further include at least one of an occurrence date of the performance, a reminder date of a last performance reminder from the occurrence date, a time interval between the occurrence date and the reminder date, and the like, which is not limited herein.
The first set time period may be in units of months, for example, the first set time period is two months, three months, or the like, which is not limited herein.
For example, one credit tag reflects the rate of conservation and/or violations of credit product A for the target user in the last two months, another credit tag reflects the rate of conservation and/or violations of credit product B for the target user in the last two months, and so on.
In this embodiment, for each credit product, a second set time length may be set, and the corresponding credit behavior feature (i.e. credit label) is counted once, where the second set time length may be, for example, one month, i.e. for each credit product, the corresponding credit behavior feature is counted once a month, which is not limited herein.
In this embodiment, the target user may have a credit tag that includes only the credit tag obtained by counting the last time for each credit product, or may include a credit tag obtained by counting multiple times, which is not limited herein.
In this embodiment, the credit tag of the target user may be stored in the tag library, and the tag library may be cleaned periodically according to the set effective time length of the credit tag, so as to obtain the effective credit tag from the tag library when step S2100 is implemented.
In one example, the valid credit tags obtained in step S2100 may include all credit tags that the target user has, i.e., include all credit tags in the target user' S tag library.
In another example, the valid credit tags obtained in the step S2100 may be credit tags obtained by screening all credit tags, so as to improve the accuracy and effectiveness of setting the performance reminding according to the credit tags through screening. In this example, the acquiring of the valid credit tag of the target user in this step S2100 may further include the following steps S2110 to S2120.
Step S2110, all credit labels of the target user are acquired.
The all credit tags may be all credit tags in the tag library described above.
At step S2120, at least some credit tags are screened out as valid credit tags among all credit tags.
According to this step S2120, the screening conditions may be set in advance to perform the screening operation according to step S2120 according to the screening conditions.
The screening condition includes, for example, any one or more of limitation of the number of kinds of credit tags, limitation of the number of the same kind of credit tags to be reached, limitation of the frequency of occurrence of each credit tag in all credit tags of the target user, and limitation of the probability of occurrence of each credit tag in all users, and is not limited herein.
In this example, the same kind of credit tag is at least a credit tag with the same credit behavior characteristics, for example, a plurality of credit tags with the same rate of conservation and/or default are the same kind of credit tag.
In this example, the same type of credit tag may be a credit tag having the same credit action feature as the corresponding credit product, for example, a plurality of credit tags reflecting the same credit action feature corresponding to the credit product a constitute the same type of credit tag.
In step S2120, screening at least part of the credit labels from all the signal labels as valid credit labels may include: and screening at least part of the credit labels from all the credit labels as effective credit labels according to the first occurrence frequency and/or the second occurrence frequency of each credit label in all the credit labels.
The first frequency of occurrence reflects the frequency of occurrence of the corresponding credit tag in all credit tags.
In this example, among all the credit tags of the target user j, the first occurrence frequency tf (i, j) of the credit tag i can be expressed as:
in formula (1), n (i, j) represents the number of credit tags i of the target user j; n (k, j) represents the number of credit tags k of the target user j; m is the category number of the credit labels of the target user j, namely, all the credit labels of the target user j are divided into M categories, i is greater than or equal to 1 and less than or equal to M.
In the case of screening the valid credit labels according to the first occurrence frequency, for example, it may be set to screen out the credit labels whose first occurrence frequency is higher than or equal to the set frequency as the valid credit labels.
In this example, for credit tag i, its second occurrence in all users may be with inverse frequency idf i The representation is:
in formula (2), D represents the total number of all users implementing the method of the present example; d (D) i Representing the number of users with credit tag i. Inverse frequency idf of credit tag i i The larger indicates that the credit tag i is more scarce among all users, the less frequently the second occurrence of credit tag i occurs; conversely, the inverse frequency idf of credit tag i i The smaller indicates that the credit tag i is more common among all users, the greater the second frequency of occurrence of the credit tag i.
In the example of screening the valid credit labels according to the second occurrence frequency, the credit labels with the reverse frequency higher than or equal to the first set frequency can be screened out as the valid credit labels according to the design requirement, so as to highlight the role of the scarce credit labels in setting the performance reminding for the target user.
In the example of screening the effective credit labels according to the second occurrence frequency, the credit labels with the second occurrence frequency higher than or equal to the second set frequency can be screened out as the effective credit labels according to the design requirement, so that the problem that the accuracy of setting the performance reminding for the target user is affected by the rare credit labels due to the emergency is avoided.
In other examples, at least some of the credit tags may be screened as valid credit tags based on the first frequency of occurrence and the second frequency of occurrence of each of the plurality of credit tags.
In this example, this may be to screen out at least some of the signal tags as valid credit tags based on the product of the first frequency of occurrence and the inverse frequency. This may also be to screen out at least some of the signal tags as valid credit tags based on the product of the first frequency of occurrence and the second frequency of occurrence. For example, a credit tag whose arbitrary product is higher than or equal to the set threshold value above the filtering may be set as the valid credit tag, or the like.
In one example, at least one event triggering the update of the performance reminder settings may be preset, which may include, for example: any one or more of an update date determined based on the update period, receipt of an update instruction entered by the target user, and generation of a new credit label by the target user is reached.
In this example, the obtaining of the valid credit tag of the target user in step S2100 may include: in response to detecting a trigger to update any set event of the performance alert setting, the step of obtaining a valid credit tag for the target user is performed.
Taking the event that reaches the update date determined according to the update period as an example, when the event is detected, the execution of step S2100 is triggered to realize the update of the effective credit label of the target user according to the update period, thereby realizing the update of the performance reminding setting of the target user, so that the content according to the setting is always close to the recent credit behavior characteristics of the target user.
The update period may be the same as the second set time period described above so that the update to the valid credit tag remains synchronized with the update to the tag library of the target user. The update period may be greater than the second set period, which is not limited herein.
According to the example, the update of the performance reminding setting is triggered according to the set event, so that the accuracy of the performance reminding customization can be continuously maintained according to the content of the setting, which is always close to the recent credit behavior characteristics of the target user.
In one example, this step S2100 may be implemented by a terminal device, such as terminal device 1200 in fig. 1. In this example, the target user is a user bound to the terminal device 1200, and the terminal device 1200 may store the credit tag of the target user for obtaining, or may obtain the credit tag of the target user from a server, for example, the server 1100 in fig. 1, which is not limited herein.
In the example where the terminal device needs to obtain credit labels of other users to screen out at least part of the credit labels of all the credit labels of the target user as valid credit labels, the terminal device may obtain the credit labels of other users from the server.
In another example, this step S2100 may also be implemented by a server, such as the server 1100 of fig. 1. In this example, the server may obtain and store the credit tag of the target user for acquisition based on behavior data of the target user generated by using the credit product reported by the terminal device 1200.
Step S2200, performing performance reminding setting on the target user according to the effective credit label acquired in the step S2100.
In the step S2200, performing the performance reminding setting on the target user may include: setting the performance reminding frequency of the target user and setting the performance reminding date of the target user.
The reminding frequency and/or the reminding date are/is the reminding frequency and/or the reminding date in each reminding period.
The alert period is a performance period of the credit product, e.g., for monthly performance of the credit product, each alert period is each month.
The reminding frequency is the reminding times in each reminding period, for example, reminding once in one month (one reminding period), etc.
The reminding date is, for example, a date of performance in each reminding period (for example, each month) advanced by a factor of x with respect to the date of performance in the reminding period.
In one example, the step S2200 of performing the performance reminder setting for the target user according to the valid credit label may include the following steps S2210 to S2230.
In step S2210, the credit score corresponding to each credit label in all the valid credit labels is obtained.
In this example, first mapping data reflecting a first mapping relationship between various credit labels and credit scores may be stored in advance, so that in step S2210, the credit score corresponding to each of all the valid credit labels is obtained according to the first mapping data.
For example, the first mapping data may be set based on the principle that the higher the conservation rate of the credit label representation, the higher the credit score.
Step S2220 obtains the credit score of the target user based on the credit score of each valid credit tag and the specific gravity of each valid credit tag among all valid credit tags.
All valid credit labels of the target user form a credit label set, and the specific gravity lambda of any valid credit label k in the credit label set k The method can be as follows: the ratio of the number of valid credit tags k in the credit tag set to the total number of valid credit tags in the credit tag set.
Credit score C for target user j j Can be expressed as:
in the formula (3), lambda k Is the specific gravity of the valid credit tag k in the credit tag set; c (C) k Is the credit score of the active credit tag k, M is the seed of the active credit tag in the credit tag set of target user jClass number, i.e., M is an integer greater than or equal to 1.
Step S2230, performing performance reminding setting on the target user according to the credit score obtained in step S2220.
In this example, second mapping data reflecting a second mapping relationship between credit score and setting content may be previously set to obtain corresponding setting content according to the credit score of the target user in step S2230, to complete corresponding setting according to the obtained setting content.
For example, the second mapping data may be set based on the principle that the higher the credit score, the lower the alert frequency.
For another example, the second map data may be set based on a principle that the higher the credit score, the closer the reminder date is to the prescribed performance date.
According to the steps S2210 to S2230, the credit score of the target user can accurately reflect the credit condition of the target user when using various credit products, so that the credit behavior characteristics of the target user can be more accurately attached to the setting of the credit score, the action of the credit score can be maximized, and the use experience of the target user is improved.
The step S2200 may be performed by the terminal device or may be performed by the server, which is not limited herein.
Step S2300, performing a performance reminder for the target user to use the credit products in the credit product set according to the content of the setting performed in step S2200.
For example, the contents of the setting according to step S2200 include: when the reminding frequency of each reminding period is twice, the target user uses the credit products in the credit product set, according to the step S2300, two reminding operations are performed in each reminding period.
As another example, the contents of the setting according to step S2200 include: and the relative performance date of each reminding period is respectively advanced by 2 days and 5 days for two reminding, so that when the target user uses the credit products in the credit product set, according to the step S2300, the corresponding performance date is respectively advanced by 2 days and 5 days for two reminding in each reminding period, and the like.
In step S2300, as shown in fig. 3, performing a performance reminder for the target user to use the credit products in the credit product set may be reminded by sending a platform message, where the reminder message may be displayed in a notification list or may be displayed under a service reminder list of the platform. The performance reminding may be performed by sending a short message or the like, and is not limited herein.
In one example, this step S2300 may be implemented by a terminal device.
In another example, the step S2300 may be implemented by a server. In this example, performing the performance reminder for the target user to use the credit products in the credit product set in step S2300 includes: and configuring the terminal equipment to carry out performance reminding on the credit products in the credit product set used by the target user.
According to the steps S2100 to S2300, the method for performing the performance reminding according to the present mode of performing the performance reminding according to the credit behavior characteristics generated by the target user by using the credit product, so that the setting content obtained according to the setting is consistent and fixed with respect to the credit behavior characteristics of the target user in the prior art, personalized customization of the performance reminding is achieved, the effect of thousands of people and thousands of surfaces is obtained, further satisfaction of the user to the platform providing the credit product is improved, and use viscosity of the user to the platform is enhanced.
In one embodiment, the method of the present invention may further comprise: judging whether the effective credit label meets the set condition; and executing the step of performing the execution reminding setting for the target user according to the effective credit label in the step S2200 when the setting condition is satisfied.
For example, the setting condition may include: the number of available credit labels is greater than or equal to a first set point, which may be 1, without limitation.
For another example, the setting condition may include: the number of kinds of credit labels included in the effective credit label is greater than or equal to a second set value, which may be 1, and is not limited herein.
According to the method of the embodiment, the accuracy of setting the performance reminding for the target user is facilitated to be improved by limiting the number of credit labels and the like as samples.
In one embodiment, the method of the present invention may further comprise: judging whether the effective credit label meets the set condition; executing the step S2200 to set the target user with the performance reminding according to the effective credit label when the setting condition is satisfied; and under the condition that the setting condition is not met, performing the performance reminding setting on the target user according to a preset default value, so as to perform the performance reminding on the credit products in the credit product set used by the target user according to the set content.
And performing the performance reminding setting on the target user according to a preset default value, wherein the performance reminding setting can be unified performance reminding setting according to the prior art.
In another embodiment, if the setting condition is not satisfied, the current setting content may be kept unchanged, where the current setting content may be a content of performing the performance reminding setting according to the last acquired valid credit tag.
In another embodiment, if the setting condition is not satisfied, it may be determined whether the current setting content is obtained by performing the performance reminding setting according to the valid credit tag acquired last time, if yes, the current setting content is kept unchanged, and if no, the performance reminding setting is performed on the target user according to a preset default value.
According to the method of the embodiment, under the condition that the set condition is not met, normal running of the performance reminding can be ensured by adopting default setting.
In one embodiment, the method of the present invention may further comprise: acquiring a permission state for performing performance reminding customization on a target user; and under the condition that the permission state is in an on state, executing the step of acquiring the effective credit label of the target user, and further executing the step of performing the performance reminding setting on the target user according to the acquired effective credit label.
In this embodiment, the method of the present invention may further include: a setting entry for setting the permission status is provided to acquire the permission status set through the setting entry.
As shown in fig. 4, the setting entry may be, for example, a switch option customized corresponding to the reminder, and the target user may complete the setting of the switch of the permission status by clicking or pulling the switch.
In this embodiment, when the permission status is in the off status, the preset default value may be directly adopted to perform the performance reminding setting for the target user, that is, the default setting for performing the performance reminding for the target user is adopted.
According to the method, the target user is supported to select whether to perform personalized customization of the performance reminding, and the performance reminding can be more in line with the wish of the target user through the interactive design.
< example >
Taking the example of the data processing system in fig. 1 implementing the performance reminding method according to an example of the present invention, a non-limiting implementation procedure is shown in fig. 5, and may include:
in step S1210, the terminal apparatus 1200 records the historical credit action data generated in the credit products of the use credit product set by the bound target user, and uploads the credit action data to the server 1100.
The credit performance data may include, without limitation, an occurrence date of the performance, a reminder date of a last performance reminder that is closest to the occurrence date, a time interval between the occurrence date and the reminder date, and the like.
In step S1110, the server 1100 counts the credit behavior characteristics of the target user according to the received credit behavior data to generate a credit tag representing the credit behavior characteristics, and stores the generated credit tag in the tag library of the target user.
The credit behavior feature is, for example, a rate of conservation and/or a rate of breach of the corresponding credit product used by the target user within a first set period of time based on the credit behavior data statistics.
In step S1120, the server 1100 searches the tag library of the target user when detecting an arbitrary setting event for updating the performance alert setting, for example, when detecting that the update date determined according to the update period comes.
In step S1130, when the tag library has credit tags, the server 1100 screens at least some credit tags from the tag library as valid credit tags according to the set screening conditions, and the valid credit tags form a credit tag set for performing performance reminding customization on the target user.
In step S1140, the server performs performing a performance reminder setting on the target user according to the credit tags in the credit tag set when the acquired credit tag set.
In step S1150, when the tag library does not have a credit tag, the server 1100 performs the performance reminder setting for the target user according to the default value.
In step S1160, the server configures the terminal device 1200 corresponding to the target user to perform a performance reminder for the target user to use the credit product according to the content obtained by performing the setting in step S1140 or step S1150.
In step S1220, the terminal device 1200 performs a performance reminder for the target user to use the credit product according to the configuration of the server 1100.
< device example >
Fig. 6 is a schematic functional block diagram of a performance reminder 6000 according to an embodiment of the present invention.
As shown in fig. 6, the performance reminding device 6000 of the present embodiment may include a tag obtaining module 6100, a setting module 6200, and an executing module 6300.
The tag acquisition module 6100 can be used to acquire valid credit tags for the target user, where each credit tag of the target user reflects a credit behavior characteristic exhibited by the target user for a corresponding credit product in the set of credit products.
The setting module 6200 may be configured to perform performance reminder setting for the target user according to the valid credit tag provided by the tag obtaining module 6100.
The execution module 6300 may be configured to perform a performance reminder for the target user to use the credit products in the credit product set according to the content of the performance reminder setting performed by the setting module 6200.
In one embodiment, the performance reminder 6000 may further include a label generation module for: for each credit product, respectively obtaining set credit behavior characteristics according to historical credit behavior data of the corresponding credit product used by the target user within a set time length; and generating a corresponding credit label according to the credit behavior characteristics.
In one embodiment, the credit behavior feature includes a rate of conservation and/or a rate of breach.
In one embodiment, the tag obtaining module 6100 may be configured to, when obtaining a valid credit tag of a target user: acquiring all credit labels of a target user; and screening at least part of the credit labels from all the credit labels according to the set screening conditions to serve as effective credit labels.
In one embodiment, the tag obtaining module 6100 may be configured to, when screening out at least part of the credit tags as valid credit tags: and screening at least part of the credit labels from all the credit labels as effective credit labels according to the first occurrence frequency and/or the second occurrence frequency of each credit label in all the credit labels.
In one embodiment, the setting module 6200 may be configured to, when performing the performance reminder setting on the target user according to the valid credit tag: obtaining credit scores corresponding to each effective credit label; and obtaining a credit score of the target user according to the credit score of each effective credit label and the proportion of each effective credit label in all effective credit labels; and performing performance reminding setting on the target user according to the credit score.
In one embodiment, the setting module 6200 may be configured to, when performing the performance reminder setting on the target user: setting the performance reminding frequency of the target user and setting the performance reminding date of the target user.
In one embodiment, the tag obtaining module 6100 may be configured to, when obtaining a valid credit tag of a target user: and in response to detecting the trigger of any setting event for updating the performance reminding setting, executing the step of acquiring the effective credit label of the target user.
In one embodiment, the performance reminder 6000 may further include a determination module for: judging whether the effective credit label meets the set condition; in the case where the setting condition is satisfied, the re-notification setting module 6200 performs a step of performing the performance reminder setting for the target user according to the valid credit tag.
In an embodiment, the determining module may be further configured to notify the setting module 6200 to set a performance reminder for the target user according to a preset default value if the setting condition is not met.
In one embodiment, the performance reminder module 6000 may also include a rights verification module, which may be used to: detecting a permission state for performing performance reminding customization on a target user; and when the authority state is in an on state, executing the step of acquiring the valid credit label of the target user.
< electronic device embodiment >
Fig. 7 shows a schematic functional block diagram of an electronic device according to one embodiment of the invention. As shown in fig. 7, in this embodiment, the electronic device 7000 may include the performance reminding device 6000 according to any embodiment of the invention for implementing the performance reminding method according to any embodiment of the invention.
Fig. 8 shows a block diagram of an electronic device according to another embodiment of the invention.
As shown in fig. 8, in this embodiment, the electronic device 7000 may further include a memory 7100 and a processor 7200, the memory 7100 for storing executable instructions; the processor 7200 is configured to execute the electronic device 7000 according to the instruction to perform the performance reminding method according to any embodiment of the present invention.
In the embodiments of fig. 7 and 8, the electronic device 7000 may be a server, for example, the server 1100 shown in fig. 1, or may be a terminal device, for example, the terminal device 1200 shown in fig. 2, or may include a server and a terminal device, which is not limited herein.
< example of Medium >
The present embodiment provides a computer-readable storage medium storing executable instructions. The executable instructions, when executed by an executor, perform the performance reminding method according to any of the above embodiments. Reference may be made specifically to the description of the method embodiments, and no further description is given here.
The present invention may be a system, method, and/or computer program product. The computer program product may include a computer readable storage medium having computer readable program instructions embodied thereon for causing a processor to implement aspects of the present invention.
The computer readable storage medium may be a tangible device that can hold and store instructions for use by an instruction execution device. The computer readable storage medium may be, for example, but not limited to, an electronic storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples (a non-exhaustive list) of the computer-readable storage medium would include the following: portable computer disks, hard disks, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), static Random Access Memory (SRAM), portable compact disk read-only memory (CD-ROM), digital Versatile Disks (DVD), memory sticks, floppy disks, mechanical coding devices, punch cards or in-groove structures such as punch cards or grooves having instructions stored thereon, and any suitable combination of the foregoing. Computer-readable storage media, as used herein, are not to be construed as transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (e.g., optical pulses through fiber optic cables), or electrical signals transmitted through wires.
The computer readable program instructions described herein may be downloaded from a computer readable storage medium to a respective computing/processing device or to an external computer or external storage device over a network, such as the internet, a local area network, a wide area network, and/or a wireless network. The network may include copper transmission cables, fiber optic transmissions, wireless transmissions, routers, firewalls, switches, gateway computers and/or edge servers. The network interface card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage in a computer readable storage medium in the respective computing/processing device.
Computer program instructions for carrying out operations of the present invention may be assembly instructions, instruction Set Architecture (ISA) instructions, machine-related instructions, microcode, firmware instructions, state setting data, or source or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, c++ or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The computer readable program instructions may be executed entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider). In some embodiments, aspects of the present invention are implemented by personalizing electronic circuitry, such as programmable logic circuitry, field Programmable Gate Arrays (FPGAs), or Programmable Logic Arrays (PLAs), with state information for computer readable program instructions, which can execute the computer readable program instructions.
Various aspects of the present invention are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer-readable program instructions.
These computer readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer readable program instructions may also be stored in a computer readable storage medium that can direct a computer, programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer readable medium having the instructions stored therein includes an article of manufacture including instructions which implement the function/act specified in the flowchart and/or block diagram block or blocks.
The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other devices to cause a series of operational steps to be performed on the computer, other programmable apparatus or other devices to produce a computer implemented process such that the instructions which execute on the computer, other programmable apparatus or other devices implement the functions/acts specified in the flowchart and/or block diagram block or blocks.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of instructions, which comprises one or more executable instructions for implementing the specified logical function(s). In some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions. It is well known to those skilled in the art that implementation by hardware, implementation by software, and implementation by a combination of software and hardware are all equivalent.
The foregoing description of embodiments of the invention has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the various embodiments described. The terminology used herein was chosen in order to best explain the principles of the embodiments, the practical application, or the technical improvements in the marketplace, or to enable others of ordinary skill in the art to understand the embodiments disclosed herein. The scope of the invention is defined by the appended claims.
Claims (11)
1. A performance reminding method, comprising:
obtaining effective credit labels of target users, wherein each credit label of the target users reflects credit behavior characteristics of the target users for corresponding credit products in a credit product set;
performing performance reminding setting on the target user according to the effective credit label;
performing a performance reminder for the target user to use the credit products in the credit product set according to the set content,
wherein, the performing, according to the effective credit label, the performing, by the target user, a performance reminding setting includes: obtaining credit scores corresponding to each effective credit label; obtaining the credit score of the target user according to the credit score of each effective credit label and the ratio of each effective credit label in all effective credit labels; performing performance reminding setting on the target user according to the credit score,
The obtaining the effective credit label of the target user comprises the following steps: acquiring all credit labels of the target user; screening at least part of credit labels from all the credit labels as the effective credit labels according to the first occurrence frequency and/or the second occurrence frequency of each credit label in all the credit labels; wherein the first frequency of occurrence reflects the frequency of occurrence of corresponding credit tags among the all credit tags; the second frequency of occurrence reflects the frequency with which corresponding credit tags appear among all users.
2. The method of claim 1, wherein the method further comprises the step of generating the credit tag, comprising:
for each credit product in the credit product set, respectively obtaining a characteristic value of the credit behavior characteristic according to historical credit behavior data of the corresponding credit product used by the target user within a set time length;
and generating a corresponding credit label according to the characteristic value of the credit behavior characteristic.
3. The method of claim 1, wherein the credit behavior feature comprises a rate of conservation and/or a rate of breach.
4. The method of claim 1, wherein the performing the performance reminder setting for the target user comprises:
Setting the performance reminding frequency of the target user and setting the performance reminding date of the target user.
5. The method of claim 1, wherein the obtaining the valid credit tag of the target user comprises:
and in response to detecting the trigger of any setting event for updating the performance reminding setting, executing the step of acquiring the effective credit label of the target user.
6. The method of any one of claims 1 to 5, wherein the method further comprises:
judging whether the obtained effective credit label meets a set condition or not;
and executing the step of performing the performance reminding setting on the target user according to the effective credit label under the condition that the setting condition is met.
7. The method of claim 6, wherein the method further comprises:
and under the condition that the setting condition is not met, performing performance reminding setting on the target user according to a preset default value.
8. The method of any one of claims 1 to 5, wherein the method further comprises:
acquiring a permission state for performing performance reminding customization on the target user;
And executing the step of acquiring the effective credit label of the target user under the condition that the authority state is in an open state.
9. The performance reminder device of claim 1, comprising:
the system comprises a label acquisition module, a credit product collection module and a credit product collection module, wherein the label acquisition module is used for acquiring effective credit labels of target users, and each credit label of the target users reflects credit behavior characteristics of the target users for corresponding credit products in the credit product collection;
the setting module is used for setting the performance reminding of the target user according to the effective credit label; the method comprises the steps of,
an execution module for performing a performance reminder for the target user to use the credit products in the credit product set according to the set content,
the setting module is specifically configured to, when performing the performing reminder setting on the target user according to the effective credit label: obtaining credit scores corresponding to each effective credit label; obtaining the credit score of the target user according to the credit score of each effective credit label and the ratio of each effective credit label in all effective credit labels; performing performance reminding setting on the target user according to the credit score,
The tag acquisition module is specifically configured to, when acquiring an effective credit tag of a target user: acquiring all credit labels of the target user; screening at least part of credit labels from all the credit labels as the effective credit labels according to the first occurrence frequency and/or the second occurrence frequency of each credit label in all the credit labels; wherein the first frequency of occurrence reflects the frequency of occurrence of corresponding credit tags among the all credit tags; the second frequency of occurrence reflects the frequency with which corresponding credit tags appear among all users.
10. An electronic device comprising the performance reminder of claim 9; alternatively, the system comprises a memory for storing executable instructions and a processor; the processor is configured to execute the performance reminding method according to any one of claims 1 to 8 according to control of the instruction.
11. A computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the performance alert method according to any one of claims 1 to 8.
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