CN110322291B - Advertisement pushing method and equipment - Google Patents
Advertisement pushing method and equipment Download PDFInfo
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- CN110322291B CN110322291B CN201910601265.XA CN201910601265A CN110322291B CN 110322291 B CN110322291 B CN 110322291B CN 201910601265 A CN201910601265 A CN 201910601265A CN 110322291 B CN110322291 B CN 110322291B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0251—Targeted advertisements
- G06Q30/0269—Targeted advertisements based on user profile or attribute
- G06Q30/0271—Personalized advertisement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0241—Advertisements
- G06Q30/0277—Online advertisement
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0631—Item recommendations
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application provides an advertisement pushing method and equipment, wherein the method comprises the following steps: the method comprises the steps of obtaining feature data of graduates with the graduation years more than or equal to 1 in the graduates of a target school target specialty, wherein the feature data comprise: transaction data for the target loan product, and/or average annual income data; determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product or not according to the characteristic data; and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the graduates of the target major of the target school. By the aid of the scheme, targeted advertisement pushing is carried out according to the practical situation of graduates in colleges and universities, matching degree between bank loan products and graduate users in colleges and universities is improved, and propaganda effect of the bank loan products is improved.
Description
Technical Field
The present application relates to the field of computer data processing technologies, and in particular, to an advertisement push method and device.
Background
At present, college graduates have higher consumption capacity and loan requirements, so college graduate customers are potential income sources of banks, and the development of an advertisement push system for the college graduates is very important, but at present, an advertisement delivery system for the college graduate customers is not arranged in the banks. And the existing advertisement putting mode is utilized, and targeted advertisement pushing can not be carried out according to the actual loan condition of graduates of colleges and universities, so that the matching degree between the bank loan products and graduate customers of the colleges and the universities is low, and the propaganda effect of the bank loan products is influenced.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the application provides an advertisement pushing method and equipment, and aims to solve the problem that in the prior art, the matching degree between a bank product and graduate customers in colleges and universities is low.
The embodiment of the application provides an advertisement pushing method, which comprises the following steps: the method comprises the steps of obtaining feature data of graduates with the graduation years more than or equal to 1 in the graduates of a target school target specialty, wherein the feature data comprise: transaction data for the target loan product, and/or average annual income data; determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product or not according to the characteristic data; and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the graduates of the target major of the target school.
In one embodiment, in the case that the feature data is average annual income data, determining whether graduates with a graduate age less than 1 among graduates of the target school target specialty meet the push condition for the target loan product according to the feature data comprises: acquiring the lowest loan amount of the target loan product; determining whether the ratio of the average annual income data to the lowest loan amount of the target loan product is greater than a first preset threshold value; and under the condition that the ratio of the average annual income data of the graduates of the target school target specialty to the lowest loan amount of the target loan product is greater than a first preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product.
In one embodiment, the feature data includes: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps: determining the loan reject ratio of graduates with the graduation years more than or equal to 1 in the graduates of the target school target specialty according to the transaction data of the target loan product; obtaining the loan interest rate of the target loan product; determining whether the difference value between the loan interest rate of the target loan product and the loan interest rate is greater than or equal to a second preset threshold value or not according to the loan interest rate and the loan interest rate of the target loan product; and under the condition that the difference value between the loan interest rate and the loan reject rate of the target loan product is determined to be greater than or equal to a second preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product.
In one embodiment, the feature data includes: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps: determining the total income and the total loan amount of the target loan product according to the transaction data of the target loan product; determining whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value or not according to the total income and the total loan amount of the target loan product; and under the condition that the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target specialty of the target school meet the pushing condition of the target loan product.
In one embodiment, the feature data includes: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps: determining the income amount and the loss amount of the target loan product according to the transaction data of the target loan product; determining whether the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value or not according to the income amount and the loss amount of the target loan product; and under the condition that the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school and the target specialty meet the pushing condition of the target loan product.
In one embodiment, further comprising: under the condition that the graduates with the graduation years less than 1 in the graduates of the target school target specialty do not meet the pushing condition of the target loan product, determining whether the difference value between the loan interest rate and the reject rate of the target loan product is greater than a fifth preset threshold and less than a second preset threshold, or whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than a sixth preset threshold and less than a third preset threshold; determining whether the additional income of the target loan product is higher than a target threshold value or not under the condition that the difference value between the loan interest rate and the reject rate of the target loan product is larger than a fifth preset threshold value and smaller than a second preset threshold value or the ratio of the total income of the target loan product to the total loan amount of the target loan product is larger than a sixth preset threshold value and smaller than a third preset threshold value; and under the condition that the additional income of the target loan product is determined to be higher than a target threshold value, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the graduates of the target specialty of the target school.
In one embodiment, determining whether the additional revenue of the target loan product is above a target threshold comprises: acquiring the total asset amount of each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school; determining the ratio of the number of graduates handling the target loan product to the total number of graduates handling the target loan product according to the total amount of the assets of each of the graduates handling the target loan product, wherein the total amount of the assets of the graduates handling the target loan product is greater than or equal to a seventh preset threshold, and the ratio of the number of the graduates handling the target loan product to the total number of the graduates handling the target loan product is used as the additional income of the target loan product.
In one embodiment, determining whether the additional revenue of the target loan product is above a target threshold comprises: obtaining the information of each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school; and determining the average total asset amount of the graduates transacting the target loan product according to the total asset amount of each of the graduates transacting the target loan product, and taking the average total asset amount of the graduates transacting the target loan product as the additional income of the target loan product.
In one embodiment, determining whether the additional revenue of the target loan product is above a target threshold comprises: acquiring the number of banking businesses handled by each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school within a preset time range; and determining the average number of the plurality of graduates handling the target loan products in the preset time range according to the number of the banking services handled by each of the plurality of graduates handling the target loan products in the preset time range, and taking the average number of the banking services handled as the additional income of the target loan products.
The embodiment of the application also provides an advertisement pushing device, which comprises a processor and a memory for storing processor executable instructions, wherein the processor executes the instructions to realize the steps of the advertisement pushing method.
The embodiment of the application also provides a computer readable storage medium, which stores computer instructions, and the instructions realize the steps of the advertisement pushing method when executed.
The embodiment of the application provides an advertisement pushing method, which can obtain the feature data of graduates with the graduation years more than or equal to 1 in the graduates of target schools, wherein the feature data comprise: the transaction data of the target loan product and/or the average annual income data have reference value for graduates with the same professional graduation year more than or equal to 1 in the same school to graduates with the graduation year less than 1, so that whether the graduates with the graduation year less than 1 in the target school meet the pushing condition of the target loan product or not can be evaluated according to the historical transaction data of the graduates with the graduation year more than or equal to 1 in the target graduation school target and/or the average annual income data, and therefore whether the advertisements corresponding to the target loan product are pushed to the graduates with the graduation year less than 1 or not is determined. And then can carry out the targeted advertisement propelling movement according to the actual conditions of college graduates, improved the matching degree between bank loan product and college graduate user to and the propaganda effect of bank loan product.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application, are incorporated in and constitute a part of this application, and are not intended to limit the application. In the drawings:
FIG. 1 is a schematic diagram illustrating steps of an advertisement push method provided in an embodiment of the present application;
FIG. 2 is a schematic diagram of an advertisement push device provided according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an advertisement push device provided according to an embodiment of the present application.
Detailed Description
The principles and spirit of the present application will be described with reference to a number of exemplary embodiments. It should be understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the present application, and are not intended to limit the scope of the present application in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present application may be embodied as a system, apparatus, device, method or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In consideration of the existing advertisement putting mode, targeted advertisement pushing can not be carried out according to the actual loan situation of graduates of colleges and universities, so that the matching degree between the bank loan products and graduate customers of the colleges and the universities is low, and the propaganda effect of the bank loan products is further influenced.
Based on the above problem, an embodiment of the present invention provides an advertisement pushing method, as shown in fig. 1, which may include the following steps:
s101: the method comprises the steps of obtaining feature data of graduates in the graduates of a target school target specialty, wherein the feature data comprise: transaction data for the targeted loan product, and/or average annual revenue data.
Considering that the past graduates with the graduation year greater than or equal to 1 in the graduates of the target school major may be used as a reference for the due graduates with the graduation year less than 1, the feature data of the graduates with the graduation year greater than or equal to 1 in the graduates of the target school major may be obtained, wherein the feature data may include but is not limited to at least one of the following: trade data, average annual income data, graduation year, annual income data in graduation year of the target loan product. In some embodiments, the characteristic data of the graduates with the graduation years greater than or equal to 2 or 3 or any other possible value in the graduates of the target school target specialty can be obtained, and the characteristic data can be determined according to specific situations in practical application, which is not limited in the present application.
Further, before the characteristic data of the graduates with the graduation years more than or equal to 1 in the graduates of the target school major is obtained, whether the graduates of the target school major are related to the transaction data of the target loan product or not can be determined. Under the condition that the graduates of the target school target specialty do not have transaction data about the target loan product, whether the ratio of the average annual income data of the graduates of the target school target specialty to the minimum loan amount of the target loan product is larger than a first preset threshold value or not can be determined by acquiring the minimum loan amount of the target loan product and the average annual income data of the graduates of the target school target specialty.
Under the condition that the ratio of the average annual income of the graduates of the target school target specialty to the lowest loan amount of the target loan product is larger than a first preset threshold value, the graduates of the target school target specialty, the graduates of which the graduation years are smaller than 1, can be determined to meet the pushing condition of the target loan product, namely the graduates of the target school target specialty meet the risk assessment requirement of the target loan product. It is to be understood that the above-mentioned premise of determining whether the graduates with the graduation year less than 1 in the graduates of the target school target specialty satisfy the pushing condition of the target loan product may be the premise of determining the difference between the average annual income of the graduates of the target school target specialty and the lowest loan amount of the target loan product, or the ratio of the average annual income of the graduates of the target school target specialty and the highest loan amount of the target loan product, or the ratio of the average annual income of the graduates of the target school target specialty and the average loan amount of the target loan product, or any other scheme that may be used to determine the risk or profitability of pushing the target loan product to the graduates of the target school target specialty.
For graduates whose jobs are not in a year, the annual income data of the graduates can be obtained by calculating according to the average monthly income data of the graduates, and the calculated annual income data can be used as the average annual income data of the graduates. The first preset threshold may be a value greater than or equal to 1, or may be a value slightly smaller than 1, for example: 0.95, 0.9, etc., and in particular, may be determined according to the additional income, risk assessment criteria, etc., of the target loan product, which is not limited in this application.
S102: and determining whether the graduates with the graduation years less than 1 in the graduates of the target major of the target school meet the pushing condition of the target loan product or not according to the characteristic data.
The historical income and loss conditions of the target loan product in the graduates of the target school target specialty can be determined according to the characteristic data of the graduates with the graduation years more than or equal to 1 in the graduates of the target school target specialty, so that whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product or not is judged.
Specifically, in one embodiment, the loan reject ratio of graduates with the graduation year greater than or equal to 1 in the graduates of the target school target specialty may be determined according to the transaction data of the graduates with the graduation year greater than or equal to 1 in the graduates of the target school target specialty on the target loan product, wherein the reject ratio is the ratio of the number of loans with outstanding payments due to the total number of loans. Further, a loan interest rate of the target loan product may be obtained, where the loan interest rate is a ratio of the interest amount to the present amount over the borrowing period. Determining whether the difference value between the loan interest rate and the loan reject rate of the target loan product is greater than or equal to a second preset threshold value; and under the condition that the difference value between the loan interest rate and the loan reject rate of the target loan product is determined to be larger than or equal to a second preset threshold value, determining that the graduates with the graduation years smaller than 1 in the graduates of the target school and the target profession meet the pushing condition of the target loan product.
For some loan products, where the loan amount is a fixed value, or where the difference between the highest loan amount and the lowest loan amount is small, the difference between the interest rate of the loan and the reject rate of the loan may or may not be approximately representative of the profitability of the loan product. The second preset threshold may be a value greater than 0, and in practical applications, the specific value of the second preset threshold may be determined according to the additional income of the bank for the target loan product. It is understood that the above-mentioned premise of determining whether the graduates with the graduation year less than 1 in the graduates of the target profession of the target school meet the pushing condition of the target loan product may also be the premise of determining the ratio of the loan interest rate and the loan reject rate of the target loan product, or any other scheme that may be used for determining the risk and profitability of pushing the target loan product to the graduates of the target profession of the target school.
In one embodiment, the total income and the total loan amount of the target loan product may be determined according to the transaction data of graduates with a graduation year greater than or equal to 1 among the graduates of the target school target specialty with respect to the target loan product, and it may be determined whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold. And under the condition that the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school and the target specialty meet the pushing condition of the target loan product. The third preset threshold may be determined according to an additional income of the bank to the target loan product, and the total income may be a difference between an income amount and a loss amount.
In one embodiment, the income amount and the loss amount of the target loan product can be determined according to the transaction data of the graduates with the graduation years more than or equal to 1 in the graduates of the target major of the target school about the target loan product; determining whether the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value or not according to the income amount and the loss amount of the target loan product; and under the condition that the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target specialty of the target school meet the pushing condition of the target loan product. The fourth preset threshold is greater than 0, and specifically, may be determined according to an additional income of the bank to the target loan product.
It is understood that the above-mentioned premise of determining whether the graduates with the graduation year less than 1 in the graduates of the target profession of the target school meet the pushing condition of the target loan product may be the premise of determining the difference between the profit amount and the loss amount of the target loan product, or any other scheme that may be used to determine the risk and profitability of pushing the target loan product to the graduates of the target profession of the target school.
Considering that, in some cases, although the historical income situation and the risk of the target loan product do not meet the criteria for delivering the target loan product to graduates with a graduation year less than 1 in the target school's target specialty, the long-term potential income of the target loan product may be considerable, the long-term potential income of the target loan product may be evaluated to determine whether to deliver the target loan product to graduates with a graduation year less than 1 in the target school's target specialty.
Under the condition that the graduates with the graduation years less than 1 in the graduates of the target major of the target school do not meet the pushing condition of the target loan product, whether the difference value between the loan interest rate and the reject rate of the target loan product is greater than a fifth preset threshold value and less than a second preset threshold value or whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than a sixth preset threshold value and less than a third preset threshold value or not can be determined; when the difference value between the loan interest rate and the reject rate of the target loan product is greater than a fifth preset threshold and less than a second preset threshold, or the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than a sixth preset threshold and less than a third preset threshold, or the two conditions are met simultaneously, determining whether the additional income of the target loan product is greater than the target threshold, wherein the target threshold can be determined according to the expected income or risk assessment standard of the target loan product, and the method is not limited in the present application; and under the condition that the additional income of the target loan product is determined to be higher than the target threshold value, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the target profession of the target school.
The fifth preset threshold may be a negative number close to 0, for example: the number of the functional groups is-0.1, -0.05, and the like, or may be 0, or may be a positive number greater than 0, which may be determined according to actual circumstances, and the application is not limited thereto. The sixth preset threshold may be a positive number greater than 0, may be 0, or may be a negative number close to 0, which may be determined specifically according to an actual situation, and the present application does not limit this.
In one embodiment, the total amount of the property of each of the graduates transacting the target loan product in the graduates of the target specialty of the target school may be obtained, wherein the total amount of the property may be the sum of the amount of the deposit of the bank customer in the bank and the total amount of the bank product purchased; and determining the ratio of the number of graduates handling the target loan product to the total number of graduates handling the target loan product, wherein the total asset amount of the graduates handling the target loan product is greater than or equal to a seventh preset threshold, according to the total asset amount of each of the graduates handling the target loan product, and taking the ratio of the number of the graduates handling the target loan product to the total number of the graduates handling the target loan product, wherein the total asset amount of the graduates handling the target loan product is greater than or equal to the seventh preset threshold, as the additional income of the target loan product. Thus, the additional benefit that can be achieved by pushing the target loan product to graduates with a graduation year less than 1 in the graduates of the target specialty of the target school can be determined by evaluating the contributions of the multiple graduates transacting the target loan product to the bank funds after the loan.
The seventh preset threshold may be preset to a value, for example, 10 ten thousand or 20 ten thousand, according to the bank requirement, and may specifically be determined according to the actual requirement of the bank for the long-term potential income of the target loan product, which is not limited in this application. It can be understood that the ratio of the number of graduates to the total number of graduates, the total amount of the assets of each graduate being greater than or equal to the seventh preset threshold value, among all the graduates of the target major of the target school, can also be used as the additional income of the target loan product; the ratio of the number of graduate students whose total amount of graduation years in the graduates of the target school target specialty is greater than or equal to 1 to the total number of graduate students whose graduation years are greater than or equal to 1 can be used as the additional benefit of the target loan product, although any other scheme for evaluating the additional benefit of the target loan product is also conceivable.
In one embodiment, the total amount of the property of each of the graduates transacting the target loan product in the graduates of the target specialty of the target school may be obtained, wherein the total amount of the property may be the sum of the amount of the deposit of the bank customer in the bank and the total amount of the bank product purchased; and determining the average total asset amount of the graduates handling the target loan product according to the total asset amount of each of the graduates handling the target loan product, and taking the average total asset amount of the graduates handling the target loan product as the additional income of the target loan product.
It is also conceivable that the average total amount of the graduates of the target school target specialty is used as the additional profit of the target loan product, or the average total amount of the graduates whose graduation years in the graduates of the target school target specialty are less than 1 is used as the additional profit of the target loan product, or the average total amount of the graduates whose graduation years in the graduates of the target school target specialty are greater than or equal to 1 is used as the additional profit of the target loan product, or the lowest total amount of the graduates whose graduation years in the graduates of the target school target specialty are greater than or equal to 1 is used as the additional profit of the target loan product, or any other scheme that can be used for evaluating the additional profit of the target loan product.
In one embodiment, the amount of banking business handled by each of a plurality of graduates who have handled the target loan product among the graduates of the target specialty of the target school within a predetermined time range may be obtained; according to the number of banking businesses handled by each of the graduates handling the target loan product within the preset time range, the average number of the banking businesses handled by the plurality of the graduates handling the target loan product within the preset time range in the target professional graduates of the target school is determined, and the average number of the banking businesses handled is used as the additional income of the target loan product. The liveness of the graduates of the target school target specialty in the bank can be determined by the average number of the plurality of graduates handling the banking business within the preset time range, so that the possibility that the graduates of the target school target specialty buy or use the bank products or services can be determined, and the additional income brought by the target loan product can be evaluated.
Wherein, the average number of graduates handling banking business in the predetermined time range of the graduates with the graduate years more than or equal to 1 in the target major of the target school can be used as the additional income of the target loan product, alternatively, the average number of graduates with a graduate year less than 1 of the graduates of the target school's target specialty handling banking within a predetermined time frame may be used as the added benefit of the target loan product, alternatively, the average number of graduates of the target school's target specialty conducting banking within the predetermined time frame may be used as an additional benefit to the target loan product, alternatively, the total number of graduates handling the target loan product among the graduates of the target specialty of the target school who have handled the target loan product within the predetermined time frame may be used as the additional revenue for the target loan product, or other schemes that may be used to assess the liveness of graduates of the target school target specialty at the bank are also contemplated.
S103: and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to the graduates with the graduate years less than 1 of the target major of the target school.
And when the graduates with the graduation year less than 1 in the target school target specialty are determined to meet the pushing condition of the target loan product, or the additional income of the target loan product is determined to be higher than the target threshold value, the advertisement of the target loan product is pushed to the graduates with the graduation year less than 1 in the target school target specialty. The advertisement push method may include, but is not limited to, at least one of the following: the system comprises a mobile phone short message, a client APP, a PC end online bank system, a target school bank outlet display screen, a bank self-service device display screen and the like.
Further, colleges and universities with close geographical locations, for example: advertisements placed among universities and major categories of the same major belonging to the same jurisdiction and the manner of placing advertisements may be referred to each other. It is to be understood that although the above-mentioned schemes specifically describe how to determine the push of the target loan product, the push of other bank products can also be implemented by referring to the above-mentioned schemes, and the present application does not limit the push of the target loan product.
From the above description, it can be seen that the embodiments of the present application achieve the following technical effects: the characteristic data of graduates with the graduate years more than or equal to 1 in the graduates of the target school target specialty can be obtained, wherein the characteristic data comprises: the transaction data of the target loan product and/or the average annual income data have reference value for graduates with the same professional graduation year more than or equal to 1 in the same school to graduates with the graduation year less than 1, so that whether the graduates with the graduation year less than 1 meet the pushing condition of the target loan product or not can be evaluated according to the historical transaction data of the graduates with the graduation year more than or equal to 1 in the target school target professional on the target loan product, and whether advertisements corresponding to the target loan product are pushed to the graduates with the graduation year less than 1 or not can be determined. And then can carry on the targeted advertisement propelling movement according to the actual conditions of graduates of colleges and universities, have improved the matching degree between graduate customer of bank loan products and colleges and universities, and the propaganda effect of the bank loan products.
The above method is described below with reference to a specific example, however, it should be noted that the specific example is only for better describing the present application and is not to be construed as limiting the present application.
The implementation of the invention provides an advertisement pushing method, which comprises the following steps:
step 1: revenue data and historical transaction data are obtained for graduates of a specialty of a university.
Step 2: and determining the interest rate and repayment condition of the loan according to the acquired historical loan data of a graduate of a specialty of the university about a loan product, thereby determining whether to put the advertisement of the loan product into an due graduate of the specialty of the university.
For example, assuming that the loan interest rate of the loan product is d, and the reject rate (i.e., the ratio of the number of non-repayment to the total loan number) in the historical loan data of the loan product is b, when the difference between d and b is greater than or equal to the threshold value of 1%, it can be determined that the loan product is advertised to the corresponding graduate of the profession of the university.
For another example, the income condition of the bank about the loan product can be obtained according to the historical loan data of the loan product, and then whether to place the advertisement of the loan product to the professional and the corresponding graduate of the university is determined according to the income condition. For example, a ratio of the total earnings c to the total loan amount e is determined, and if the ratio is 5% or more of a threshold, an advertisement for the loan product to the professional of the college or university can be determined.
However, it should be noted that the above listed determination manners and values of specific thresholds, etc. are only exemplary descriptions, and other determination manners and values may be selected according to actual needs and situations when the determination is actually implemented, which is not limited in the present application.
And step 3: if the evaluation result shows that the historical loan data does not reach the expectation of the bank, the long-term profit of the loan advertisement delivery is evaluated under the condition that the historical loan data is full of 0 < d-b < 2% or 0 < c/e < 5%. If the long term revenue is sufficiently large, then an advertisement for the loan product is determined to be placed to the professional of the college or university by the due graduate.
When the long-term income is evaluated, the proportion that the bank fund amount (or the value of the currently purchased bank product) is more than 30 ten thousand of customers exists in the professional graduates or the loan-transacted graduates of the colleges can be calculated, and if the proportion is more than 0.6, the long-term income is considered to be large enough.
For example, it can be calculated that the average fund amount of the bank (or the value of the bank product purchased at present) exists in the professional graduates or the loan-transacted graduates of the colleges, and if it is more than 5 ten thousand, the long-term profit is considered to be sufficiently large. Or, the proportion of active clients (for example, the clients are determined as active clients if the number of bank businesses handled in the last 2 months is more than 3) in the professional graduates or the loan-handled graduates of the colleges and universities is calculated, and if the proportion is more than 50%, the long-term profit is determined to be large enough.
However, it should be noted that the above listed determination manners and values of specific thresholds, etc. are only exemplary descriptions, and other determination manners and values may be selected according to actual needs and situations when the determination is actually implemented, which is not limited in the present application.
And 4, step 4: if the graduate of a specialty of a college does not have historical loan data for a loan product or the data is less than a certain amount, it may be determined whether to advertise the loan product to the corresponding graduate of the specialty of the college based on revenue data from the graduate of the specialty of the college.
For example, if the ratio of the average annual income of the professional graduate of the university to the lowest (or average) loan amount of the loan product is greater than 40%, it may be determined to advertise the loan product to the professional of the college of the graduate.
Based on the same inventive concept, an advertisement pushing device is further provided in the embodiments of the present invention, as in the following embodiments. Because the principle of the advertisement push device for solving the problem is similar to that of the advertisement push method, the implementation of the advertisement push device can refer to the implementation of the advertisement push method, and repeated details are not repeated. As used hereinafter, the term "unit" or "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated. Please refer to fig. 2, which is a structural diagram of an advertisement pushing device according to an embodiment of the present application, where the advertisement pushing device specifically includes: the acquiring module 21, the determining module 22, and the pushing module 23, which will be described in detail below.
The obtaining module 21 may be configured to obtain feature data of graduates with a graduation year greater than or equal to 1 in the graduates of the target school target specialty, where the feature data includes: transaction data for the targeted loan product, and/or average annual revenue data.
The determining module 22 may be configured to determine whether the graduates with the graduation year less than 1 of the graduates of the target school major meet the push condition of the target loan product according to the characteristic data.
In one embodiment, the determining module 22 may include: the first acquisition unit is used for acquiring the lowest loan amount of the target loan product; the first determining unit is used for determining whether the ratio of the average annual income data to the lowest loan amount of the target loan product is larger than a first preset threshold value or not; the first judging unit is used for determining that the graduates with the graduation years less than 1 in the graduates of the target school professional meet the pushing condition of the target loan product under the condition that the ratio of the average annual income data of the graduates of the target school target professional to the lowest loan amount of the target loan product is greater than a first preset threshold value.
In one embodiment, the determining module 22 may include: the second determining unit is used for determining the total income and the total loan amount of the target loan product according to the transaction data of the target loan product; a third determining unit, configured to determine whether a ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold according to the total income and the total loan amount of the target loan product; and the second judgment unit is used for determining that the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product under the condition that the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value.
In one embodiment, the determining module 22 may include: the fourth determining unit is used for determining the income amount and the loss amount of the target loan product according to the transaction data of the target loan product; a fifth determining unit, configured to determine whether a ratio of the profit amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold according to the profit amount and the loss amount of the target loan product; and the third judging unit is used for determining that the graduates with the graduation years less than 1 in the graduates of the target major of the target school meet the pushing condition of the target loan product under the condition that the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value.
In one embodiment, the method may further include: the fourth judging unit is used for determining whether the difference value between the loan interest rate and the reject ratio of the target loan product is larger than a fifth preset threshold and smaller than a second preset threshold or whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is larger than a sixth preset threshold and smaller than a third preset threshold under the condition that the graduates with the graduation years smaller than 1 in the graduates of the target professional of the target school do not meet the pushing condition of the target loan product; a sixth determining unit, configured to determine whether the additional income of the target loan product is higher than the target threshold value when a difference between the loan interest rate and the reject rate of the target loan product is greater than a fifth preset threshold value and smaller than a second preset threshold value, or a ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than a sixth preset threshold value and smaller than a third preset threshold value; and the pushing unit is used for pushing the advertisement of the target loan product to graduates with the graduation years less than 1 in the graduates of the target major of the target school under the condition that the additional income of the target loan product is determined to be higher than the target threshold value.
In one embodiment, the sixth determining unit may include: the first acquisition subunit is used for acquiring the total asset amount of each graduate of a plurality of graduates transacting the target loan product in the target professional graduates of the target school; the first processing unit is used for determining the ratio of the number of graduates handling the target loan product to the total number of graduates handling the target loan product, wherein the total number of the graduates handling the target loan product is greater than or equal to a seventh preset threshold value, according to the total amount of the assets of each of the graduates handling the target loan product, and the ratio of the number of the graduates handling the target loan product to the total number of the graduates handling the target loan product, wherein the total amount of the graduates handling the target loan product is greater than or equal to the seventh preset threshold value, is used as the additional income of the target loan product.
In one embodiment, the sixth determining unit may include: the second acquisition subunit is used for acquiring the total asset amount of each graduate of a plurality of graduates transacting the target loan product in the target professional graduates of the target school; and the second processing subunit is used for determining the average total asset amount of the graduates handling the target loan product according to the total asset amount of each of the graduates handling the target loan product, and taking the average total asset amount of the graduates handling the target loan product as the additional income of the target loan product.
In one embodiment, the sixth determining unit may include: the third acquiring subunit is used for acquiring the number of banking businesses handled by each of a plurality of graduates handling the target loan product in the target professional graduates of the target school within a preset time range; and the third processing subunit is used for determining the average number of the banking businesses handled by the plurality of graduates handling the target loan product in the preset time range in the target school target professional graduates according to the number of the banking businesses handled by each of the plurality of graduates handling the target loan product in the preset time range, and taking the average number of the banking businesses handled as the additional income of the target loan product.
The pushing module 23 may be configured to, in a case where it is determined that the pushing condition is satisfied, push the advertisement of the target loan product to a graduate with a graduate year less than 1 among graduates of the target specialty of the target school.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
It should be noted that, the systems, devices, modules or units described in the above embodiments may be implemented by a computer chip or an entity, or implemented by a product with certain functions. For convenience of description, in the present specification, the above devices are described as being divided into various units by functions, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
Moreover, in the subject specification, adjectives such as first and second may only be used to distinguish one element or action from another element or action without necessarily requiring or implying any actual such relationship or order. References to an element or component or step (etc.) should not be construed as limited to only one of the element, component, or step, but rather to one or more of the element, component, or step, etc., where the context permits.
The embodiment of the present application further provides an electronic device, which may specifically refer to a schematic structural diagram of the electronic device based on the advertisement push method provided in the embodiment of the present application shown in fig. 3, where the electronic device may specifically include an input device 31, a processor 32, and a memory 33. The input device 31 may be specifically configured to input feature data. The processor 32 may be specifically configured to obtain feature data of graduates with a graduation year greater than or equal to 1 among the graduates of the target school target specialty, where the feature data includes: transaction data for the target loan product, and/or average annual income data; determining whether the graduates with the graduation years less than 1 in the graduates of the target major of the target school meet the pushing condition of the target loan product or not according to the characteristic data; and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to the graduates with the graduate years less than 1 of the target major of the target school. The memory 33 may be specifically configured to store parameters such as transaction data, average annual revenue data, etc. for the target loan product.
In this embodiment, the input device may be one of the main apparatuses for information exchange between a user and a computer system. The input device may include a keyboard, a mouse, a camera, a scanner, a light pen, a handwriting input board, a voice input device, etc.; the input device is used to input raw data and a program for processing the data into the computer. The input device can also acquire and receive data transmitted by other modules, units and devices. The processor may be implemented in any suitable way. For example, the processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, an embedded microcontroller, and so forth. The memory may in particular be a memory device used in modern information technology for storing information. The memory may include multiple levels, and in a digital system, the memory may be any memory as long as it can store binary data; in an integrated circuit, a circuit without a physical form and with a storage function is also called a memory, such as a RAM, a FIFO and the like; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card and the like.
In this embodiment, the functions and effects specifically realized by the electronic device can be explained by comparing with other embodiments, and are not described herein again.
The embodiment of the present application further provides a computer storage medium based on an advertisement push method, where the computer storage medium stores computer program instructions, and when the computer program instructions are executed, the computer storage medium may implement: the method comprises the steps of obtaining feature data of graduates in the graduates of a target school target specialty, wherein the feature data comprise: transaction data for the target loan product, and/or average annual income data; determining whether the graduates with the graduation years less than 1 in the graduates of the target major of the target school meet the pushing condition of the target loan product or not according to the characteristic data; and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to the graduates with the graduate years less than 1 of the target major of the target school.
In this embodiment, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk Drive (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.
In this embodiment, the functions and effects specifically realized by the program instructions stored in the computer storage medium can be explained by comparing with other embodiments, and are not described herein again.
It will be apparent to those skilled in the art that the modules or steps of the embodiments of the present application described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different from that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, embodiments of the present application are not limited to any specific combination of hardware and software.
It is to be understood that the above description is intended to be illustrative, and not restrictive. Many embodiments and many applications other than the examples provided will be apparent to those of skill in the art upon reading the above description. The scope of the application should, therefore, be determined not with reference to the above description, but instead should be determined with reference to the pending claims along with the full scope of equivalents to which such claims are entitled. Although the present specification provides the method operation steps or apparatus structures as shown in the above embodiments or figures, more or less operation steps or module units after partial combination may be included in the method or apparatus based on conventional or non-inventive labor. In the case of steps or structures which do not logically have the necessary cause and effect relationship, the execution order of the steps or the block structure of the apparatus is not limited to the execution order or the block structure shown in the embodiments or the drawings of the present specification. When the described method or module structure is applied to a device, a server or an end product in practice, the method or module structure according to the embodiment or the figures may be executed sequentially or in parallel (for example, in a parallel processor or multi-thread processing environment, or even in an implementation environment including distributed processing and server clustering).
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and it will be apparent to those skilled in the art that various modifications and variations can be made in the embodiment of the present application. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. An advertisement pushing method, comprising:
the method comprises the steps of obtaining feature data of graduates with the graduation years more than or equal to 1 in the graduates of a target school target specialty, wherein the feature data comprise: transaction data for the target loan product, and/or average annual income data;
determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product or not according to the characteristic data; wherein, under the condition that the feature data is average annual income data, determining whether the graduates with the graduation years less than 1 in the graduates of the target school major meet the pushing condition of the target loan product according to the feature data comprises: acquiring the lowest loan amount of the target loan product; determining whether the ratio of the average annual income data to the lowest loan amount of the target loan product is greater than a first preset threshold value; under the condition that the ratio of the average annual income data of the graduates of the target school target specialty to the lowest loan amount of the target loan product is larger than a first preset threshold value, determining that the graduates with the graduation years smaller than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product;
and under the condition that the pushing condition is determined to be met, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the graduates of the target major of the target school.
2. The method of claim 1, wherein the characterization data comprises: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps:
determining the loan reject ratio of graduates with the graduation years more than or equal to 1 in the graduates of the target school target specialty according to the transaction data of the target loan product;
obtaining the loan interest rate of the target loan product;
determining whether the difference value between the loan interest rate of the target loan product and the loan interest rate is greater than or equal to a second preset threshold value or not according to the loan interest rate and the loan interest rate of the target loan product;
and under the condition that the difference value between the loan interest rate and the loan reject rate of the target loan product is determined to be greater than or equal to a second preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product.
3. The method of claim 1, wherein the characterization data comprises: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps:
determining the total income and the total loan amount of the target loan product according to the transaction data of the target loan product;
determining whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value or not according to the total income and the total loan amount of the target loan product;
and under the condition that the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than or equal to a third preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target specialty of the target school meet the pushing condition of the target loan product.
4. The method of claim 1, wherein the characterization data comprises: under the condition of transaction data of the target loan product, determining whether the graduates with the graduation years less than 1 in the graduates of the target school target specialty meet the pushing condition of the target loan product according to the characteristic data, wherein the pushing condition comprises the following steps:
determining the income amount and the loss amount of the target loan product according to the transaction data of the target loan product;
determining whether the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value or not according to the income amount and the loss amount of the target loan product;
and under the condition that the ratio of the income amount to the loss amount of the target loan product is greater than or equal to a fourth preset threshold value, determining that the graduates with the graduation years less than 1 in the graduates of the target school and the target specialty meet the pushing condition of the target loan product.
5. The method of any of claims 2 to 4, further comprising:
under the condition that the graduates with the graduation years less than 1 in the graduates of the target school target specialty do not meet the pushing condition of the target loan product, determining whether the difference value between the loan interest rate and the reject rate of the target loan product is greater than a fifth preset threshold and less than a second preset threshold, or whether the ratio of the total income of the target loan product to the total loan amount of the target loan product is greater than a sixth preset threshold and less than a third preset threshold;
determining whether the additional income of the target loan product is higher than a target threshold value or not under the condition that the difference value between the loan interest rate and the reject rate of the target loan product is larger than a fifth preset threshold value and smaller than a second preset threshold value or the ratio of the total income of the target loan product to the total loan amount of the target loan product is larger than a sixth preset threshold value and smaller than a third preset threshold value;
and under the condition that the additional income of the target loan product is determined to be higher than a target threshold value, the advertisement of the target loan product is pushed to graduates with the graduation years less than 1 in the graduates of the target specialty of the target school.
6. The method of claim 5, wherein determining whether the additional revenue of the target loan product is above a target threshold comprises:
acquiring the total asset amount of each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school;
determining the ratio of the number of graduates handling the target loan product to the total number of graduates handling the target loan product according to the total amount of the assets of each of the graduates handling the target loan product, wherein the total amount of the assets of the graduates handling the target loan product is greater than or equal to a seventh preset threshold, and the ratio of the number of the graduates handling the target loan product to the total number of the graduates handling the target loan product is used as the additional income of the target loan product.
7. The method of claim 5, wherein determining whether the additional revenue of the target loan product is above a target threshold comprises:
acquiring the total asset amount of each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school;
and determining the average total asset amount of the graduates transacting the target loan product according to the total asset amount of each of the graduates transacting the target loan product, and taking the average total asset amount of the graduates transacting the target loan product as the additional income of the target loan product.
8. The method of claim 5, wherein determining whether the additional revenue of the target loan product is above a target threshold comprises:
acquiring the number of banking businesses handled by each graduate in a plurality of graduates handling the target loan product in the graduates of the target major of the target school within a preset time range;
and determining the average number of the plurality of graduates handling the target loan products in the preset time range according to the number of the banking services handled by each of the plurality of graduates handling the target loan products in the preset time range, and taking the average number of the banking services handled as the additional income of the target loan products.
9. An advertisement push device comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, implement the steps of the method of any one of claims 1 to 8.
10. A computer readable storage medium having stored thereon computer instructions which, when executed, implement the steps of the method of any one of claims 1 to 8.
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