CN110334351A - It is a kind of to read the method and device for carrying out net and borrowing recommendation based on short message - Google Patents
It is a kind of to read the method and device for carrying out net and borrowing recommendation based on short message Download PDFInfo
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Abstract
The invention discloses a kind of method and devices for being read based on short message and carrying out net and borrowing recommendation, belong to field of computer technology.The described method includes: reading net borrows relevant target message；Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, and then obtain analysis result；Net is carried out according to the analysis result and borrows product matching, obtains matching result；According to the matching result, the net that the matching result includes is pushed to user and borrows product information.The present invention solve in the prior art net borrow recommend low efficiency, it is at high cost, cannot according to different user concrete condition carry out intelligent recommendation the technical issues of.
Description
Technical field
The present invention relates to field of computer technology, in particular to it is a kind of based on short message read carry out net borrow recommend method and
Device.
Background technique
It realizes that net borrows the method that recommendation generallys use and is in the prior art, database is inquired according to user information, then root
Recommended according to query result.This method has the disadvantage in that 1, inquire user credit information need user input name,
More information such as identity card, cell-phone number, bank card, will increase the operating cost of user；2, net borrows platform itself without user
Credit information need to third-party data to be inquired, many times need to inquire multiple to obtain comprehensive information
The database information of tripartite, certain databases are not to return the result in real time, need every other day could knowledge of result, while inquiring third
Party database needs to pay certain expense, has also paid more costs while can not returning to recommendation results in time.
Also, generally according to advertising expenditure number recommend different net to borrow product to user, not from the demand of user
It sets out, the product of Wang Dai supermarket does not accomplish thousand people, thousand face according to the case where different user, and there is most of user and apply for net
The problem that the interest rate of too low, the most of user network loan application of the percent of pass of loan is excessively high, user's borrowing balance is too low.
Summary of the invention
In order to solve problems in the prior art, net loan is carried out based on short message reading the embodiment of the invention provides one kind to recommend
Method and device, solve in the prior art net borrow recommend low efficiency, it is at high cost, cannot according to different user concrete condition into
The technical issues of row intelligent recommendation.The technical solution is as follows:
On the one hand, a kind of method for reading based on short message and carrying out net and borrowing recommendation is provided, which comprises
It reads net and borrows relevant target message；
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, and then obtain analysis result；
Net is carried out according to the analysis result and borrows product matching, obtains matching result；
According to the matching result, the net that the matching result includes is pushed to user and borrows product information.
Further, it reads net and borrows relevant target message, comprising:
It is opened by terminal device permission and obtains short message reading permission, according to the terminal device preset SMS classification gauge
Then, it only reads net and borrows relevant target message.
Further, it is opened by terminal device permission and obtains short message reading permission, comprising:
Borrow platform initiates that the net loan platform acquisition short message whether is allowed to read permission by terminal device online
Then request opens the short message reading permission that the net borrows platform according to user's confirmation request of acquisition.
Further, content analysis is carried out to the short message, extracts net and borrow relevant keyword, and then obtains analysis knot
Fruit, comprising:
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, the keyword includes the loaning bill of user
The frequency, specific net of borrowing money borrow the title of product, borrowing balance, each issue of repayment amount, always the amount of money to be gone back, remaining refund issue and/
Or the borrowing time, then according to default classification rule, from loaning bill frequency dimension, whether need to be gone back dimension, how much the amount of money to be gone back is tieed up
Months dimension needed for degree, also complete net loan borrows net loan name of product dimension and/or net loan product complimentary close amount of money dimension to score
It is determined with appropriate level, and then obtains analysis result.
Further, net is carried out according to the analysis result and borrows product matching, obtain matching result, comprising:
According to the user class information in the analysis result, net loan product in database is borrowed with net and is matched, is obtained
The matching result of respective wire loan product information.
On the other hand, a kind of device for reading based on short message and carrying out net and borrowing recommendation is provided, comprising:
Short message read module borrows relevant target message for reading net；
Content analysis module extracts net and borrows relevant keyword, and then obtain for carrying out content analysis to the short message
Analyze result；
Matching module borrows product matching for carrying out net according to the analysis result, obtains matching result；
Pushing module, for pushing the net that the matching result includes to user and borrowing product letter according to the matching result
Breath.
Further, the read module is used for:
It is opened by terminal device permission and obtains short message reading permission, according to the terminal device preset SMS classification gauge
Then, it only reads net and borrows relevant target message.
Further, the short message read module borrows whether platform initiation allows the net by terminal device online
It borrows platform and obtains the request that short message reads permission, the short message that the net borrows platform is then opened according to user's confirmation request of acquisition
Read permission.
Further, the content analysis module is used for:
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, the keyword includes the loaning bill of user
The frequency, specific net of borrowing money borrow the title of product, borrowing balance, each issue of repayment amount, always the amount of money to be gone back, remaining refund issue and/
Or the borrowing time, then according to default classification rule, from loaning bill frequency dimension, whether need to be gone back dimension, how much the amount of money to be gone back is tieed up
Months dimension needed for degree, also complete net loan borrows net loan name of product dimension and/or net loan product complimentary close amount of money dimension to score
It is determined with appropriate level, and then obtains analysis result.
Further, the matching module is borrowed in database according to the user class information in the analysis result with net
Net is borrowed product and is matched, and the matching result that respective wire borrows product information is obtained.
Technical solution provided in an embodiment of the present invention has the benefit that
1, relevant target message is borrowed by reading net, does not need into different databases to be inquired, then returns again
Return query result, and the inquiry of certain databases can not return the result in real time, data query reading speed faster, cost also compared with
It is low；
2, it by carrying out content analysis to short message, extracts net and borrows relevant keyword, and then obtain analysis result；According to point
Analysis result carries out net and borrows product matching, obtains matching result；And according to matching result, pushing matching result to user includes
Net borrows product information, and the short message content by obtaining and analyzing user borrows product to different user's pair nets, by analyzing
Different content carry out different matchings, then recommended, according to the different characteristics of user targetedly recommend net borrow produce
Product borrow the interest rate of application, improve user's complimentary close amount of money, realize to improve percent of pass, reduction user network that user applies for that net is borrowed
More intelligent net, which is borrowed, to be recommended.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for
For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other
Attached drawing.
Fig. 1 is the method flow diagram provided in an embodiment of the present invention for being read based on short message and carrying out net and borrowing recommendation；
Fig. 2 is the device provided in an embodiment of the present invention for being read based on short message and carrying out net and borrowing recommendation；
Fig. 3 is the operation signal that the unlatching that one preferred embodiment of the embodiment of the present invention provides obtains that short message reads permission
Figure.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached in the embodiment of the present invention
Figure, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only this
Invention a part of the embodiment, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall within the protection scope of the present invention.
It is provided in an embodiment of the present invention that the method and device for carrying out net and borrowing recommendation is read based on short message, phase is borrowed by reading to net
The target message of pass does not need into different databases to be inquired, and then returns again to query result, and certain databases
Inquiry can not return the result in real time, faster, cost is relatively low for data query reading speed；By carrying out content point to short message
Analysis extracts net and borrows relevant keyword, and then obtains analysis result；Net is carried out based on the analysis results borrows product matching, acquisition
With result；And according to matching result, the net that matching result includes is pushed to user and borrows product information, by obtaining and analyzing use
The short message content at family borrows product to different user's pair nets, carries out different matchings by the different content analyzed, then
Recommended, targetedly recommend net to borrow product according to the different characteristics of user, so that improving user applies for passing through for net loan
Rate, improves user's complimentary close amount of money at the interest rate for reducing user network loan application, realizes more intelligent net and borrows and recommends.Of the invention real
Applying net in example and borrowing platform includes that net borrows APP (or Wang Dai supermarket APP) or online platform, it is therefore preferable to which net borrows APP.
Combined with specific embodiments below and attached drawing, it carries out net based on short message reading to provided in an embodiment of the present invention and borrows to recommend
Method and device elaborate.
Fig. 1 is the method flow diagram provided in an embodiment of the present invention for being read based on short message and carrying out net and borrowing recommendation, such as Fig. 1 institute
Show, it is provided in an embodiment of the present invention that the method for carrying out net and borrowing recommendation is read based on short message, comprising the following steps:
101, it reads net and borrows relevant target message.
Permission is read specifically, opening by terminal device permission and obtaining short message, is classified according to terminal device preset SMS
Rule only reads net and borrows relevant target message.Borrow whether APP initiation allows net loan APP acquisition short by terminal device online
Letter reads the request of permission, then reads permission according to the short message that user's confirmation request of acquisition opens net loan APP.
User enters net and borrows in recommendation app, borrows product introduction page into pair net, tells user that can be carried out according to short message
Matching is recommended, and will not analyze private short message (being read out according to the classification of short message in Android Android mobile phone), can't collect
Privacy of user, user, which needs to click, continues button.
Android system has process sandbox administrative mechanism, when using resource and function except sandbox, need to
System application permission, system permission are divided into two classes: normal authority and dangerous permission.Normal authority will not be directly to user privacy right
Bring risk.If applying and listing normal authority in its inventory, system will authorize the permission automatically.Dangerous permission can authorize
The permission of application access user's confidential data.If applying and listing normal authority in its inventory, system will authorize automatically this
Permission.If listing dangerous permission, user must clearly ratify using these permissions.Short message reading belongs to dangerous power
Limit, it is necessary to which user's approval could operate.It is illustratively as shown in the table:
Different for android system version have following two situation again.
If 1, equipment operation is Android 5.1 or more lowest version, or the target SDK of application is 22 or lower:
If listing dangerous permission in inventory, user must authorize this permission when installing application；If they do not authorize this
Permission, system never install application.So being just granted by short message reading as long as be mounted with Wang Dai supermarket class app
Permission.
Check permission:
If application needs dangerous permission, all whether oneself is had to check for when executing the operation for needing this permission every time
There is the permission.It checks whether with a certain permission, the side ContextCompat.checkSelfPermission () please be call
Method.If application has this permission, method will return to PackageManager.PERMISSION_GRANTED, and application can
To continue to operate.At this time by android system API read user short message, if cell phone manufacturer have to Android into
Row customized development then reads the short message content in corresponding classification folder, sends server for the short message content of reading and carries out
Analysis.
If 2, equipment operation is Android 6.0 or more highest version, or the target SDK of application is 23 or higher:
Using must list permission in inventory, and its each dangerous permission that it must be requested to need at runtime.User can be with
Each permission is granted or denied, and even if user refuses authority request, using can still continue to run limited function.
Check permission:
If application needs dangerous permission, all whether oneself is had to check for when executing the operation for needing this permission every time
With the permission.User can freely call this permission always.
It checks whether with a certain permission, ContextCompat.checkSelfPermission () method please be call.
If application has this permission, method will return to PackageManager.PERMISSION_GRANTED, and application can be after
Continuous operation.If application does not have this permission, method will return to PERMISSION_DENIED, and application must be defined to user
It is required that permission.
The operational issue for specifically making requests permission is described below.Short message reading is dangerous permission, then, it is necessarily required
User authorizes the permission.Android provides a variety of authority request modes.Call these methods that will show a standard
Android dialog box informs that user needs short message reading, but not reveals privacy of user.
If application must call a requestPermissions using the permission that there is no required short message reading
() method, to request permission appropriate.Using the permission that will be transmitted needed for it, and specified this authority request for identification
Integer requests code.The method asynchronous operation: it can be returned immediately, and after user response dialog box, system be will use
The same request code of application transmitting is transmitted to requestPermissions () by the callback method of call by result application.
When the permission of application request short message reading, system will show a dialog box to user.When user response, it is
System will call onRequestPermissionsResult () method of application, transmit user response to it.Using must replace
This method, to see whether to have obtained corresponding authority.Readjustment can pass to the same request code of transmitting
requestPermissions()。
The dialog box that system is shown illustrates the permission group using the short message reading for needing to access；User only needs to read
The permission group of short message carries out a sub-authorization.When requesting short message reading permission, user passes through system dialog box clear agreement permission
Request, system can call onRequestPermissionsResult () callback method, and transmit PERMISSION_
GRANTED.And application can continue to operate.
The short message for reading user by android system API at this time, carries out Android if cell phone manufacturer has
Customized development then reads the short message content in corresponding classification folder, sends server for the short message content of reading and is divided
Analysis.
It is worth noting that, step 101 reads the process that net borrows relevant target message, in addition to side described in above-mentioned steps
Except formula, it can also realize that the process, the embodiment of the present invention are not limited specific mode by other means.
102, content analysis is carried out to short message, extracts net and borrow relevant keyword, and then obtains analysis result.
Specifically, carrying out content analysis to short message, extracts net and borrow relevant keyword, keyword includes the loaning bill frequency of user
Secondary, specific net of borrowing money borrow the title of product, borrowing balance, each issue of repayment amount, always the amount of money to be gone back, remaining refund issue and/or
Borrowing time, then according to default classification rule, from loaning bill frequency dimension, whether need to be gone back dimension, the amount of money how many dimension to be gone back,
Also complete net borrow needed for months dimension, borrow net borrow name of product dimension and/or net loan product complimentary close amount of money dimension score and
Appropriate level determines, and then obtains analysis result.
It is worth noting that, the process of step 102, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
103, net is carried out based on the analysis results and borrows product matching, obtains matching result；
Specifically, the user class information in based on the analysis results, borrows net loan product in database with net and is matched, obtained
Obtain the matching result that respective wire borrows product information.
It is worth noting that, step 103 reads the process that net borrows relevant target message, in addition to side described in above-mentioned steps
Except formula, it can also realize that the process, the embodiment of the present invention are not limited specific mode by other means.
104, according to matching result, the net that the matching result includes is pushed to user and borrows product information.
Specifically, recommending corresponding net to borrow product according to the different situations of user, end user can be appreciated that the corresponding of recommendation
The reasons why net borrows the product page, preferably also borrows Products Show with respective wire illustrates.
It is worth noting that, the process of step 104, other than the mode described in the above-mentioned steps, other can also be passed through
Mode realizes that the process, the embodiment of the present invention are not limited specific mode.
The embodiment of the invention also provides a kind of devices for being read based on short message and carrying out net and borrowing recommendation.Fig. 2 is of the invention real
That applies example offer reads the device for carrying out net and borrowing recommendation based on short message, as shown in Fig. 2, provided in an embodiment of the present invention be based on short message
It reads and carries out the device that net borrows recommendation, including short message read module 21, content analysis module 22, matching module 23 and pushing module
24。
Wherein, short message read module 21 borrows relevant target message for reading net.Specifically, read module 21 is used for:
It is opened by terminal device permission and obtains short message reading permission, according to terminal device preset SMS classifying rules, only read net and borrow
Relevant target message.Short message read module 21 is surfed the Internet by terminal device borrows whether APP initiation allows net loan APP to obtain short message
The request of permission is read, the short message reading permission that net borrows APP is then opened according to user's confirmation request of acquisition.
Content analysis module 22 extracts net and borrows relevant keyword, and then divided for carrying out content analysis to short message
Analyse result.Content analysis module 22 is used for: being carried out content analysis to short message, is extracted net and borrow relevant keyword, wherein keyword
The loaning bill frequency including user, specific net of borrowing money borrow the title of product, borrowing balance, each issue of repayment amount, the always amount of money to be gone back, surplus
Remaining refund issue and/or borrowing time, then according to default classification rule, from loaning bill frequency dimension, whether need to be gone back dimension, to
Also the amount of money how many dimension, also complete net borrow required months dimension, net loan name of product dimension and/or net are borrowed to borrow the product complimentary close amount of money
Dimension carries out scoring and appropriate level determines, and then obtains analysis result.
Matching module 23 borrows product matching for carrying out net based on the analysis results, obtains matching result.Matching module 23
According to the user class information in analysis result, net loan product in database is borrowed with net and is matched, respective wire is obtained and borrows product letter
The matching result of breath.
Pushing module 24, for pushing the net that matching result includes to user and borrowing product information according to matching result.Specifically
, pushing module 24 recommends corresponding net to borrow product according to the different situations of user, and end user can be appreciated that the respective wire of recommendation
The reasons why borrowing the product page, preferably also borrowing Products Show with respective wire illustrates.
One kind provided in an embodiment of the present invention for reading based on short message and carrying out net and borrowing the device and method recommended is described below
Preferred embodiment.Fig. 3 is that the unlatching that one preferred embodiment of the embodiment of the present invention provides obtains the operation that short message reads permission
Schematic diagram.It is borrowed in recommendation APP as shown in figure 3, user enters net, borrows product introduction page into pair net, tell user can root
Matching recommendation is carried out according to short message, is read out according to the classification of short message in Android Android mobile phone, it is private short not can read analysis
Letter, can't collect privacy of user.After user clicks continuation button, it is short to cell phone system request reading that dialog box is bounced in the page
The permission of letter, user click after allowing always, and APP obtains the permission for reading user's short message, sends the short message content of reading to
Server is analyzed.
Server carries out content analysis to the content of short message, and extracts the corresponding keyword in net loan product, analysis
Out the loaning bill frequency of user and specific net of borrowing money borrow the title of product, borrowing balance, each issue of repayment amount, always the amount of money to be gone back,
Remaining refund issue, borrowing time etc..
Carry out different dimensions setting according to the result that analyzes, for example, the loaning bill frequency number, whether need go back, to also golden
Months needed for volume is how many, also complete net is borrowed borrow and net loan name of product, net the dimensions such as the loan product complimentary close amount of money, then according to user
Situation matches corresponding keyword in different dimensions, and the keyword of each dimension corresponds to corresponding score, and end user obtains
To a comprehensive score, user is classified according to interval range where comprehensive score, the corresponding classification of this interval range is not
Same level is preset.
Simultaneously according to user in the corresponding keyword of different dimensions and last classification, Corresponding matching is in Wang Dai supermarket platform
Net in database borrows product, recommends corresponding net to borrow product according to the different situations of user.Such as: if user's loaning bill breath takes
It is excessively high, recommend the breath expense net that product is low than before of same percent of pass to borrow product；If user applies for loan in the recent period, number is excessive
Or the amount of money to be gone back is excessive, recommends the higher net loan product of percent of pass；According to the borrowing balance of user, recommend product complimentary close before ratio
The slightly higher net of the amount of money borrows product.
After completing analysis, end user can be appreciated that the respective wire of recommendation borrows the product page, and have respective wire to borrow Products Show
The reasons why illustrate.
It should be understood that provided by the above embodiment read based on short message net the device borrowed and recommended in triggering net loan
When recommendation, only the example of the division of the above functional modules, in practical application, it can according to need and by above-mentioned function
It can distribute and be completed by different functional modules, i.e., the internal structure of device is divided into different functional modules, more than completing
The all or part of function of description.In addition, it is provided by the above embodiment based on short message read carry out net borrow recommend device with
The embodiment of the method that net loan is recommended is carried out based on short message reading and belongs to same design, and specific implementation process is detailed in method implementation
Example, which is not described herein again.
All the above alternatives can form alternative embodiment of the invention using any combination, herein no longer
It repeats one by one.
In conclusion provided in an embodiment of the present invention read the method and device for carrying out net and borrowing recommendation based on short message, compare
The prior art has the advantages that
1, relevant target message is borrowed by reading net, does not need into different databases to be inquired, then returns again
Return query result, and the inquiry of certain databases can not return the result in real time, data query reading speed faster, cost also compared with
It is low；
2, it by carrying out content analysis to short message, extracts net and borrows relevant keyword, and then obtain analysis result；According to point
Analysis result carries out net and borrows product matching, obtains matching result；And according to matching result, pushing matching result to user includes
Net borrows product information, and the short message content by obtaining and analyzing user borrows product to different user's pair nets, by analyzing
Different content carry out different matchings, then recommended, according to the different characteristics of user targetedly recommend net borrow produce
Product borrow the interest rate of application, improve user's complimentary close amount of money, realize to improve percent of pass, reduction user network that user applies for that net is borrowed
More intelligent net, which is borrowed, to be recommended.
Those of ordinary skill in the art will appreciate that realizing that all or part of the steps of above-described embodiment can pass through hardware
It completes, relevant hardware can also be instructed to complete by program, the program can store in a kind of computer-readable
In storage medium, storage medium mentioned above can be read-only memory, disk or CD etc..
It is referring to according to the method for embodiment, equipment (system) and calculating in the embodiment of the present application in the embodiment of the present application
The flowchart and/or the block diagram of machine program product describes.It should be understood that can be realized by computer program instructions flow chart and/or
The combination of the process and/or box in each flow and/or block and flowchart and/or the block diagram in block diagram.It can mention
For the processing of these computer program instructions to general purpose computer, special purpose computer, Embedded Processor or other programmable datas
The processor of equipment is to generate a machine, so that being executed by computer or the processor of other programmable data processing devices
Instruction generation refer to for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram
The device of fixed function.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although the preferred embodiment in the embodiment of the present application has been described, once a person skilled in the art knows
Basic creative concept, then additional changes and modifications may be made to these embodiments.So appended claims are intended to explain
Being includes preferred embodiment and all change and modification for falling into range in the embodiment of the present application.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the present invention is also intended to include these modifications and variations.
The foregoing is merely presently preferred embodiments of the present invention, is not intended to limit the invention, it is all in spirit of the invention and
Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.
The content being not described in detail in this specification belongs to the prior art well known to professional and technical personnel in the field.
Claims (10)
1. a kind of read the method for carrying out net and borrowing recommendation based on short message, which is characterized in that the described method includes:
It reads net and borrows relevant target message；
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, and then obtain analysis result；
Net is carried out according to the analysis result and borrows product matching, obtains matching result；
According to the matching result, the net that the matching result includes is pushed to user and borrows product information.
2. the method according to claim 1, wherein reading net borrows relevant target message, comprising:
It is opened by terminal device permission and obtains short message reading permission, according to the terminal device preset SMS classifying rules, only
It reads net and borrows relevant target message.
3. according to the method described in claim 2, reading power it is characterized in that, opening by terminal device permission and obtaining short message
Limit, comprising:
It is surfed the Internet by the terminal device and borrows platform initiates that the net loan platform whether is allowed to obtain the request that short message reads permission,
Then the short message reading permission that the net borrows platform is opened according to user's confirmation request of acquisition.
4. extracting net the method according to claim 1, wherein carrying out content analysis to the short message and borrowing correlation
Keyword, and then obtain analysis result, comprising:
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, the keyword include user the loaning bill frequency,
Specific net of borrowing money borrows the title of product, borrowing balance, each issue of repayment amount, the always amount of money to be gone back, remaining refund issue and/or loaning bill
Whether the time from loaning bill frequency dimension, needs to be gone back dimension, the amount of money how many dimension to be gone back, also complete then according to default classification rule
Months dimension needed for net is borrowed borrows that net borrows name of product dimension and/or net borrows product complimentary close amount of money dimension and score and accordingly
Rank determines, and then obtains analysis result.
5. being obtained according to the method described in claim 4, being matched it is characterized in that, carrying out net according to the analysis result and borrowing product
Obtain matching result, comprising:
According to the user class information in the analysis result, net loan product in database is borrowed with net and is matched, is obtained corresponding
Net borrows the matching result of product information.
6. a kind of read the device for carrying out net and borrowing recommendation based on short message characterized by comprising
Short message read module borrows relevant target message for reading net；
Content analysis module extracts net and borrows relevant keyword, and then analyzed for carrying out content analysis to the short message
As a result；
Matching module borrows product matching for carrying out net according to the analysis result, obtains matching result；
Pushing module, for pushing the net that the matching result includes to user and borrowing product information according to the matching result.
7. device according to claim 6, which is characterized in that the read module is used for:
It is opened by terminal device permission and obtains short message reading permission, according to the terminal device preset SMS classifying rules, only
It reads net and borrows relevant target message.
8. device according to claim 7, which is characterized in that the short message read module is surfed the Internet by the terminal device
It borrows platform initiates that the net whether is allowed to borrow the request that platform acquisition short message reads permission, is then asked according to the user of acquisition confirmation
It asks and opens the short message reading permission that the net borrows platform.
9. device according to claim 6, which is characterized in that the content analysis module is used for:
Content analysis is carried out to the short message, net is extracted and borrows relevant keyword, the keyword include user the loaning bill frequency,
Specific net of borrowing money borrows the title of product, borrowing balance, each issue of repayment amount, the always amount of money to be gone back, remaining refund issue and/or loaning bill
Whether the time from loaning bill frequency dimension, needs to be gone back dimension, the amount of money how many dimension to be gone back, also complete then according to default classification rule
Months dimension needed for net is borrowed borrows that net borrows name of product dimension and/or net borrows product complimentary close amount of money dimension and score and accordingly
Rank determines, and then obtains analysis result.
10. device according to claim 9, which is characterized in that the matching module is according to the use in the analysis result
Family level information is borrowed net loan product in database with net and is matched, obtains the matching result that respective wire borrows product information.
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