CN110335074A - Financial customized information pushing method, apparatus and electronic equipment - Google Patents
Financial customized information pushing method, apparatus and electronic equipment Download PDFInfo
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- CN110335074A CN110335074A CN201910581195.6A CN201910581195A CN110335074A CN 110335074 A CN110335074 A CN 110335074A CN 201910581195 A CN201910581195 A CN 201910581195A CN 110335074 A CN110335074 A CN 110335074A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
This disclosure relates to a kind of finance customized information pushing method, apparatus, electronic equipment and computer-readable medium.It include User Status time and User Status attribute in the user data this method comprises: obtaining the user data of user；Class indication is determined according to the User Status attribute；Marketing mode and marketing time are determined according to the User Status time；Financial customized information is generated based on the class indication and the marketing mode；And the marketing time is based on by the financial customized information pushing to the user.This disclosure relates to financial customized information pushing method, apparatus, electronic equipment and computer-readable medium, different financial customized information touchings can be generated for the user of different characteristic up to Master, utilization rate is improved, reduces the cost of marketing of financial institution.
Description
Technical field
This disclosure relates to computer information processing field, in particular to a kind of financial customized information pushing method, dress
It sets, electronic equipment and computer-readable medium.
Background technique
Product marketing refers to enterprise's discovery or excavates quasi- consumer demand, from the construction and itself product shape of whole atmosphere
The construction of state goes to promote and sell product, and in traditional method, product marketing may be, for example, to deep-cut the intension of product, suit standard
Consumer demand, to allow consumer to understand the product deeply and then buy the product.
With the development of science and technology, novel industry increases, the method for product marketing is also different between different industries.Gold
Melting service class mechanism is a kind of novel company for rising with Internet technology, and financial service class mechanism is primarily to meet
Enterprise customer or personal user for financial product demand and generate.Enterprise customer or personal user can be to financial products
Service class mechanism propose financial service request, can for example, personal user can to financial product service the certain amount of money of class mechanism requests and
The credit product of certain payback period, then pays finance service certain expense.Finance service can pass through actively
The mode that the discount coupon of financial product is provided to user promotes user to propose financial service request, and receives the use of discount coupon
Family can also reduce the application service fee of itself by the product detailed rules and regulations in discount coupon.
In the prior art, the discount coupon of financial service product is uniformly being dealt at user for timing, since finance produces
The discount coupon of product has service life, does not ensure that receive in the appropriate time for a user and is suitble to his discount coupon,
Therefore, discount coupon releasing mode in the prior art is lower to the actuating property of user.
Therefore, it is necessary to a kind of new financial customized information pushing method, apparatus, electronic equipment and computer-readable mediums.
Above- mentioned information are only used for reinforcing the understanding to the background of the disclosure, therefore it disclosed in the background technology part
It may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
In view of this, the disclosure provides a kind of financial customized information pushing method, apparatus, electronic equipment and computer-readable
Medium can generate different financial customized information touchings up to Master for the user of different characteristic, improve utilization rate, reduce finance
The cost of marketing of mechanism.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description, or partially by the disclosure
Practice and acquistion.
According to the one side of the disclosure, a kind of financial customized information pushing method is proposed, this method comprises: obtaining user's
User data includes User Status time and User Status attribute in the user data；It is true according to the User Status attribute
Determine class indication；Marketing mode and marketing time are determined according to the User Status time；Based on the class indication and described
Marketing mode generates financial customized information；And the marketing time is based on by the financial customized information pushing to the use
Family.
Optionally, marketing mode is determined according to the User Status time and the time of marketing includes: the shape in the user
In the case that the state time is within first time, determine that marketing mode reaches mode for actively touching；And determine that the marketing time is
Periodical timing node.
Optionally, marketing mode is determined according to the User Status time and the time of marketing includes: the shape in the user
In the case that the state time is in the second time range；Determine that marketing mode is that passive touching reaches mode；And determine that the marketing time is
Triggering property timing node.
Optionally, marketing mode is determined according to the User Status time and the time of marketing includes: the shape in the user
State attribute is that debt does not close attribute, and when the state for time of the user is in third time range, moves Zhi Yi by user
It is willing to determine the marketing mode and the marketing time.
Optionally, generating financial customized information based on the class indication and the marketing mode includes: based on described point
Class mark determines the classification of financial customized information；The parameter of financial customized information is determined based on the marketing mode；And pass through
The classification and the parameter generate the financial customized information.
It optionally, include: to generate the period to the user by the financial customized information pushing based on the marketing time
Property timing node favor information；Periodically financial customized information is generated based on the periodical timing node favor information；And
Based on periodical timing node by the financial customized information pushing to the user.
It optionally, include: monitoring user by the financial customized information pushing to the user based on the marketing time
Predefined action, pass through the predefined action generate triggering property timing node；And the triggering property timing node is based on by institute
Financial customized information pushing is stated to the user.
It optionally, include: based on described by the financial customized information pushing to the user based on the marketing time
The marketing time is by the financial customized information pushing into the electronic account of the user；And/or it is incited somebody to action based on the marketing time
The finance customized information pushes to the user by way of short message.
It optionally, include: by described by the financial customized information pushing to the user based on the marketing time
Financial customized information generates voice document；And institute's voice file is pushed into the user by way of voice communication.
Optionally, determine that class indication includes: to determine according to the User Status attribute according to the User Status attribute
Class indication is the not dynamic branch of credit；Or determine class indication in loan progress according to the User Status attribute；Or according to institute
It states User Status attribute and determines that class indication is settled for debt；Or determine that class indication is deficient according to the User Status attribute
Money is not closed.
According to the one side of the disclosure, a kind of financial customized information pushing device is proposed, which includes: data module,
It include User Status time and User Status attribute in the user data for obtaining the user data of user；Categorization module,
For determining class indication according to the User Status attribute；Marketing module is sought for being determined according to the User Status time
Pin mode and marketing time；Information module, for generating financial customized information based on the class indication and the marketing mode；
And pushing module, for being based on the marketing time for the financial customized information pushing to the user.
Optionally, the marketing module includes: the first marketing unit, for the state for time in the user at first
Between in range in the case where, determine that marketing mode is actively touching up to mode；And determine that the marketing time is periodical timing node.
Optionally, the marketing module includes: the second marketing unit, for the state for time in the user at second
Between in range in the case where, determine that marketing mode is passive touching up to mode；And determine that the marketing time is triggering property timing node.
Optionally, the marketing module includes: user intention unit, for the status attribute in the user be debt not
Attribute is closed, and when the state for time of the user is in third time range, branch wish is moved by user and determines the marketing
Mode and the marketing time.
Optionally, the information module includes: class location, for determining financial customized information based on the class indication
Classification；Parameters unit, for determining the parameter of financial customized information based on the marketing mode；And information unit, it is used for
The financial customized information is generated by the classification and the parameter.
Optionally, the pushing module includes: periodic cells, for generating periodical timing node favor information；Base
Periodically financial customized information is generated in the periodical timing node favor information；And periodical timing node is based on by institute
Financial customized information pushing is stated to the user.
Optionally, the pushing module includes: triggering property unit, for monitoring the predefined action of user, by described pre-
Determine behavior and generates triggering property timing node；And the triggering property timing node is based on by the financial customized information pushing to institute
State user.
Optionally, the pushing module includes: account unit, for being believed the finance customization based on the marketing time
Breath pushes in the electronic account of the user；And/or short message unit, for the finance to be customized based on the marketing time
Information pushes to the user by way of short message.
Optionally, the pushing module includes: linguistic unit, for generating voice text by the financial customized information
Part；And institute's voice file is pushed into the user by way of voice communication.
Optionally, the categorization module includes: first unit, for determining class indication according to the User Status attribute
For the not dynamic branch of credit；Or second unit, for determining class indication in loan progress according to the User Status attribute；Or the
Unit three, for determining that class indication is settled for debt according to the User Status attribute；Or Unit the 4th, for according to institute
It states User Status attribute and determines that class indication is that debt is not closed.
According to the one side of the disclosure, a kind of electronic equipment is proposed, which includes: one or more processors；
Storage device, for storing one or more programs；When one or more programs are executed by one or more processors, so that one
A or multiple processors realize such as methodology above.
According to the one side of the disclosure, it proposes a kind of computer-readable medium, is stored thereon with computer program, the program
Method as mentioned in the above is realized when being executed by processor.
According to financial customized information pushing method, apparatus, electronic equipment and the computer-readable medium of the disclosure, according to
The User Status attribute at family determines class indication；Marketing mode and marketing time are determined according to the User Status time of user；Base
Financial customized information is generated in the class indication and the marketing mode；And it is based on the marketing time that the finance is fixed
Information processed pushes to the mode of the user, and different financial customized information touchings can be generated for the user of different characteristic up to method
Teacher improves utilization rate, reduces the cost of marketing of financial institution.
It should be understood that the above general description and the following detailed description are merely exemplary, this can not be limited
It is open.
Detailed description of the invention
Its example embodiment is described in detail by referring to accompanying drawing, above and other target, feature and the advantage of the disclosure will
It becomes more fully apparent.Drawings discussed below is only some embodiments of the present disclosure, for the ordinary skill of this field
For personnel, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of system frame of financial customized information pushing method and device shown according to an exemplary embodiment
Figure.
Fig. 2 is a kind of flow chart of financial customized information pushing method shown according to an exemplary embodiment.
Fig. 3 is a kind of flow chart of the financial customized information pushing method shown according to another exemplary embodiment.
Fig. 4 is a kind of flow chart of the financial customized information pushing method shown according to another exemplary embodiment.
Fig. 5 is a kind of block diagram of financial customized information pushing device shown according to an exemplary embodiment.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
Fig. 7 is a kind of block diagram of computer-readable medium shown according to an exemplary embodiment.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be real in a variety of forms
It applies, and is not understood as limited to embodiment set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will be comprehensively and complete
It is whole, and the design of example embodiment is comprehensively communicated to those skilled in the art.Identical appended drawing reference indicates in figure
Same or similar part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
It should be understood that although herein various assemblies may be described using term first, second, third, etc., these groups
Part should not be limited by these terms.These terms are to distinguish a component and another component.Therefore, first group be discussed herein below
Part can be described as the second component without departing from the teaching of disclosure concept.As used herein, term " and/or " include associated
All combinations for listing any of project and one or more.
It will be understood by those skilled in the art that attached drawing is the schematic diagram of example embodiment, module or process in attached drawing
Necessary to not necessarily implementing the disclosure, therefore it cannot be used for the protection scope of the limitation disclosure.
Fig. 1 is a kind of system frame of financial customized information pushing method and device shown according to an exemplary embodiment
Figure.
As shown in Figure 1, system architecture 10 may include terminal device 101,102,103, network 104 and server 105.Net
Network 104 between terminal device 101,102,103 and server 105 to provide the medium of communication link.Network 104 can wrap
Include various connection types, such as wired, wireless communication link or fiber optic cables etc..
User can be used terminal device 101,102,103 and be interacted by network 104 with server 105, to receive or send out
Send message etc..Various telecommunication customer end applications can be installed, such as financial service class is answered on terminal device 101,102,103
With, shopping class application, web browser applications, instant messaging tools, mailbox client, social platform software etc..
Terminal device 101,102,103 can be the various electronic equipments with display screen and supported web page browsing, packet
Include but be not limited to smart phone, tablet computer, pocket computer on knee and desktop computer etc..
Server 105 can be to provide the server of various services, such as utilize terminal device 101,102,103 to user
The financial service class website browsed provides the back-stage management server supported.Back-stage management server can be to the use received
User data carries out the processing such as analyzing, and processing result (such as customized information) is fed back to terminal device 101,102,103.
Server 105 can for example obtain the user data of user, include User Status time and use in the user data
Family status attribute；Server 105 for example can determine class indication according to the User Status attribute；Server 105 can such as root
Marketing mode and marketing time are determined according to the User Status time；Server 105 can be for example based on the class indication and institute
It states marketing mode and generates financial customized information；Server 105 can be for example based on the marketing time by the financial customized information
Push to the user.
Server 105 can be the server of an entity, also may be, for example, multiple server compositions, needs to illustrate
It is that finance customized information pushing method provided by the embodiment of the present disclosure can be executed by server 105, correspondingly, finance is fixed
Information push-delivery apparatus processed can be set in server 105.And it is supplied to the page end that user carries out financial service platform browsing
It is normally in terminal device 101,102,103.
According to the financial customized information pushing method and device of the disclosure, is determined and classified according to the User Status attribute of user
Mark；Marketing mode and marketing time are determined according to the User Status time of user；Based on the class indication and the marketing
Mode generates financial customized information；And based on the marketing time by the financial customized information pushing to the side of the user
Formula can generate different financial customized information touchings up to Master for the user of different characteristic, improve utilization rate, reduce financial machine
The cost of marketing of structure.
Fig. 2 is a kind of flow chart of financial customized information pushing method shown according to an exemplary embodiment.Finance is fixed
Information-pushing method 20 processed includes at least step S202 to S210.
It include the User Status time in the user data as shown in Fig. 2, obtaining the user data of user in S202
With User Status attribute.Wherein, User Status can be by obtaining in User Status attribute, it may include: the not dynamic branch of credit, loan carry out
In, debt is settled, and debt is not closed.The state for time of user be user be in the time under each state, can for example, with
Family is in debt and does not close time under state, may be, for example, one week or one month etc..
The basic data of user may also include the Sex, Age of user, and flowing water, inhabitation address etc. feelings are taken in work occupation
Condition.The portrait of user is also possible that in the basic data of user, user is each in the network platform of the finance service
Kind behavioral data etc..
It can be for example directly by obtaining the basic data of user in the terminal of user, it can also be for example according to the sign-on ID of user
There is third party database to obtain the basic data of user, can also obtain user data in other way, the disclosure is not with this
It is limited.
In S204, class indication is determined according to the User Status attribute.In one embodiment, according to the user
Status attribute determines that class indication includes: to determine that class indication is the not dynamic branch of credit according to the User Status attribute；Or according to
The User Status attribute determines class indication in loan progress；Or determine that class indication is according to the User Status attribute
Debt is settled；Or determine that class indication is that debt is not closed according to the User Status attribute.
In S206, marketing mode and marketing time are determined according to the User Status time.Can include: in the user
State for time within first time in the case where, determine that marketing mode is actively touching up to mode；And when determining marketing
Between be periodical timing node.
It may also include that in the case where the state for time of the user is in the second time range；Determine that marketing mode is
Passive touching reaches mode；And determine that the marketing time is triggering property timing node.
May also include that in the status attribute of the user to be that debt does not close attribute, and the state for time of the user exists
When in third time range, branch wish is moved by user and determines the marketing mode and the marketing time.
In S208, financial customized information is generated based on the class indication and the marketing mode.It include: based on described
Class indication determines the classification of financial customized information；The parameter of financial customized information is determined based on the marketing mode；And it is logical
It crosses the classification and the parameter generates the financial customized information.
It specifically can be for example, the customized information of generation can be release part interest as user user outstanding for debt
Favor information, successively user is promoted to refund, the specific amount of money of release can be calculated according to the basic data of user.Also
It can be for example, the customized information of generation can be loan interest rate favor information, specific excellent when user is the user of the not dynamic branch of credit
Favour parameter can be calculated according to the basic data of user.The feature of the different conditions being according to user and user itself are formulated different
Financial customized information.
In S210, the marketing time is based on by the financial customized information pushing to the user.
In one embodiment, in the case where the state for time of the user is within first time, the period is generated
Property timing node favor information；Periodically financial customized information is generated based on the periodical timing node favor information；And
Based on periodical timing node by the financial customized information pushing to the user.
In one embodiment, in the case where the state for time of the user is in the second time range, user is monitored
Predefined action, pass through the predefined action generate triggering property timing node；And the triggering property timing node is based on by institute
Financial customized information pushing is stated to the user.
It will be clearly understood that the present disclosure describes how to form and use particular example, but the principle of the disclosure is not limited to
These exemplary any details.On the contrary, the introduction based on disclosure disclosure, these principles can be applied to many other
Embodiment.
Fig. 3 is a kind of flow chart of the financial customized information pushing method shown according to another exemplary embodiment.Fig. 3 institute
The process shown is the detailed description to process shown in Fig. 2.
As shown in figure 3, determining class indication according to the User Status attribute in S302.Class indication can include: award
The not dynamic branch of letter；During loan carries out, debt is settled, and debt is not closed.
In S304, the state for time of user is within first time.
In one embodiment, in the case where the state for time of the user is within first time, the period is generated
Property timing node favor information；Periodically financial customized information is generated based on the periodical timing node favor information；And
Based on periodical timing node by the financial customized information pushing to the user.
In S306, the state for time of user is in the second time range.
In one embodiment, in the case where the state for time of the user is in the second time range, user is monitored
Predefined action, pass through the predefined action generate triggering property timing node；And the triggering property timing node is based on by institute
Financial customized information pushing is stated to the user.
It is that debt does not close attribute, and the state for time of the user exists in the status attribute of the user in S308
In third time range.
In S310, periodical timing node is based on by the financial customized information pushing to the user.More specifically,
First time range can be 30-90 days, for User Status be the dynamic branch of credit, in loan progress, the user that debt is settled,
In its 30-90 days life cycles, financial customized information can be sent to up to mode by user using different touchings.
It can be for example, robot customer service, short message, difference touching can match different discount coupons (financial customized information) up to mode, press
Match different discount coupons according to different time phases.In actual application scenarios, found by a large amount of data research,
Marketing touching is best up to effect in 30-90 days, and user is likely to financial dormant period within more than 90 days.
More specifically, for user A, such as at 30 days, user A arrives dormant state not yet, therefore for the first time can
Selection is issued to the smaller favor information of the user, and is reached with robot customer service to touch；It can periodically touch within every 7 days later and reach,
But this 2-3 second periodicity touching later is up to being all mode with short message, because going within robot customer service every 7 days to dial subscriber phone can be very
Dislike.At 60 days or so, if also not dynamic branch, the finance of discount coupon also raised the price by upgrading, in this way until 90 days.
In S312, the triggering property timing node is based on by the financial customized information pushing to the user.Second
Time range can be 90 days to 180 days users, this certain customers is first is that user base number is big, second is that user has been in tired state,
In addition also not enough precisely, therefore promotion method is difficult have good effect, and what can be taken carries out gold based on user's active wish
Melt customized information granting.
In an application scenarios, it can for example detect whether this certain customers actively opens banking network application program,
When user actively opens banking network application program, him can be given a discount coupon.Because opening banking network in user to answer
When with program, representing the user is to have the potential wish of loaning bill inside.It is sent out really by a large amount of data comparison
Now, relatively good to the touch contribution of user if user receives discount coupon in the case of this.
In S314, branch wish is moved by user and determines the marketing mode and the marketing time.
In an application scenarios, user (borrowing user again, circulation borrows user etc.) is not closed for debt, these users'
Full amount 1W, the quantity that this kind of user borrows money every time is unequal, can actuate again him within user is recent 30 days,
Wish that circulation is borrowed.Can apart from this user is recent borrow money 30 days within, behavior of having an agreement not only (such as but also opened colleague
Situations such as similar application program, newly downloaded same type application program), that is, predicting user again has the demand borrowed money.Then it is
This certain customers provides financial customized information.
Fig. 4 is a kind of flow chart of the financial customized information pushing method shown according to another exemplary embodiment.Fig. 4 institute
The process shown is " the financial customized information to be sent to the user to S210 in process shown in Fig. 2 to carry out the gold
Melt the marketing of product " detailed description,
As shown in figure 4, the financial customized information is sent to the user to carry out the financial product in S402
Marketing.
In S404, based on the marketing time by the electronic account of the financial customized information pushing to the user
In.Discount coupon can be sent to user in the electronic account of banking network platform, it, can be direct when user applies for financial service
The discount coupon being associated in its electronic account, it is automatic to use.
In S406, the financial customized information is pushed to by the use by way of short message based on the marketing time
Family.It can send the corresponding link of discount coupon in the SMS of user, user can be received excellent by clickthrough
Favour certificate relevant information.
In S408, institute's voice file is pushed into the user by way of voice communication.
It specifically may include that voice document is generated by the financial customized information；And institute's voice file is sent to institute
User is stated to carry out the marketing of the financial product.
In one embodiment, it can be made a phone call by electricity Xiao robot to user, then to play the shape of voice messaging
Formula shows coupon information to user.
It will be appreciated by those skilled in the art that realizing that all or part of the steps of above-described embodiment is implemented as being executed by CPU
Computer program.When the computer program is executed by CPU, above-mentioned function defined by the above method that the disclosure provides is executed
Energy.The program can store in a kind of computer readable storage medium, which can be read-only memory, magnetic
Disk or CD etc..
Further, it should be noted that above-mentioned attached drawing is only the place according to included by the method for disclosure exemplary embodiment
Reason schematically illustrates, rather than limits purpose.It can be readily appreciated that above-mentioned processing shown in the drawings is not indicated or is limited at these
The time sequencing of reason.In addition, be also easy to understand, these processing, which can be, for example either synchronously or asynchronously to be executed in multiple modules.
Following is embodiment of the present disclosure, can be used for executing embodiments of the present disclosure.It is real for disclosure device
Undisclosed details in example is applied, embodiments of the present disclosure is please referred to.
Fig. 5 is a kind of block diagram of financial customized information pushing device shown according to an exemplary embodiment.Such as Fig. 5 institute
Show, financial customized information pushing device 50 includes: data module 502, categorization module 504, marketing module 506, information module
508, pushing module 510.
Data module 502 is used to obtain the user data of user, includes User Status time and use in the user data
Family status attribute；
Categorization module 504 is used to determine class indication according to the User Status attribute；The categorization module 504 includes:
First unit, for determining that class indication is the not dynamic branch of credit according to the User Status attribute；Or second unit, it is used for basis
The User Status attribute determines class indication in loan progress；Or third unit, for according to the User Status attribute
Determine that class indication is settled for debt；Or Unit the 4th, for determining that class indication is deficient according to the User Status attribute
Money is not closed.
Marketing module 506 is used to determine marketing mode and marketing time according to the User Status time；Specifically can include:
First marketing unit, for determining battalion in the case where the state for time of the user is within first time
Pin mode is that actively touching reaches mode；And determine that the marketing time is periodical timing node.Second marketing unit, for described
In the case that the state for time of user is in the second time range, determine that marketing mode is that passive touching reaches mode；And determine battalion
Selling the time is triggering property timing node.User intention unit is that debt does not close attribute for the status attribute in the user,
And the state for time of the user in third time range when, branch wish is moved by user and determines the marketing mode and described
It markets the time.
Information module 508 is used to generate financial customized information based on the class indication and the marketing mode；Specifically may be used
Include:
Class location, for determining the classification of financial customized information based on the class indication；Parameters unit, for being based on
The marketing mode determines the parameter of financial customized information；And information unit, for raw by the classification and the parameter
At the financial customized information.
Pushing module 510 is used to be based on the marketing time for the financial customized information pushing to the user.Specifically
Can include:
Periodic cells, for generating periodical timing node favor information；It is preferential based on the periodical timing node
Information generates periodically financial customized information；And based on periodical timing node by the financial customized information pushing to described
User.Triggering property unit generates triggering property timing node by the predefined action for monitoring the predefined action of user；With
And the triggering property timing node is based on by the financial customized information pushing to the user.Account unit, for being based on institute
The marketing time is stated by the financial customized information pushing into the electronic account of the user；And/or short message unit, for being based on
The financial customized information is pushed to the user by the marketing time by way of short message.Linguistic unit, for passing through
The finance customized information generates voice document；And institute's voice file is pushed into the use by way of voice communication
Family.
According to the financial customized information pushing device of the disclosure, class indication is determined according to the User Status attribute of user；
Marketing mode and marketing time are determined according to the User Status time of user；It is raw based on the class indication and the marketing mode
At financial customized information；And the mode based on the marketing time by the financial customized information pushing to the user, energy
Different financial customized information touchings enough is generated up to Master for the user of different characteristic, is improved utilization rate, is reduced financial institution
Cost of marketing.
Fig. 6 is the block diagram of a kind of electronic equipment shown according to an exemplary embodiment.
The electronic equipment 600 of this embodiment according to the disclosure is described referring to Fig. 6.The electronics that Fig. 6 is shown
Equipment 600 is only an example, should not function to the embodiment of the present disclosure and use scope bring any restrictions.
As shown in fig. 6, electronic equipment 600 is showed in the form of universal computing device.The component of electronic equipment 600 can wrap
It includes but is not limited to: at least one processing unit 610, at least one storage unit 620, (including the storage of the different system components of connection
Unit 620 and processing unit 610) bus 630, display unit 640 etc..
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 610
Row, so that the processing unit 610 executes described in this specification above-mentioned electronic prescription circulation processing method part according to this
The step of disclosing various illustrative embodiments.For example, the processing unit 610 can be executed such as Fig. 2, Fig. 3, shown in Fig. 4
The step of.
The storage unit 620 may include the readable medium of volatile memory cell form, such as random access memory
Unit (RAM) 6201 and/or cache memory unit 6202 can further include read-only memory unit (ROM) 6203.
The storage unit 620 can also include program/practical work with one group of (at least one) program module 6205
Tool 6204, such program module 6205 includes but is not limited to: operating system, one or more application program, other programs
It may include the realization of network environment in module and program data, each of these examples or certain combination.
Bus 630 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 600 can also be with one or more external equipments 600 ' (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 600 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 600 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 650.Also, electronic equipment 600 can be with
By network adapter 660 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.Network adapter 660 can be communicated by bus 630 with other modules of electronic equipment 600.It should
Understand, although not shown in the drawings, other hardware and/or software module can be used in conjunction with electronic equipment 600, including but unlimited
In: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and number
According to backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, as shown in fig. 7,
It can be embodied in the form of software products according to the technical solution of disclosure embodiment, which can store
In one non-volatile memory medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions so that
A calculating equipment (can be personal computer, server or network equipment etc.) is obtained to execute according to disclosure embodiment
The above method.
The software product can be using any combination of one or more readable mediums.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, infrared ray or
System, device or the device of semiconductor, or any above combination.The more specific example of readable storage medium storing program for executing is (non exhaustive
List) include: electrical connection with one or more conducting wires, portable disc, hard disk, random access memory (RAM), read-only
Memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read only memory
(CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
The computer readable storage medium may include in a base band or the data as the propagation of carrier wave a part are believed
Number, wherein carrying readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetism
Signal, optical signal or above-mentioned any appropriate combination.Readable storage medium storing program for executing can also be any other than readable storage medium storing program for executing
Readable medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Person's program in connection.The program code for including on readable storage medium storing program for executing can transmit with any suitable medium, packet
Include but be not limited to wireless, wired, optical cable, RF etc. or above-mentioned any appropriate combination.
Can with any combination of one or more programming languages come write for execute the disclosure operation program
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
Above-mentioned computer-readable medium carries one or more program, when said one or multiple programs are by one
When the equipment executes, so that the computer-readable medium implements function such as: obtaining the user data of user, the user data
In include User Status time and User Status attribute；Class indication is determined according to the User Status attribute；According to the use
Family state for time determines marketing mode and marketing time；Finance customization letter is generated based on the class indication and the marketing mode
Breath；And the marketing time is based on by the financial customized information pushing to the user.
It will be appreciated by those skilled in the art that above-mentioned each module can be distributed in device according to the description of embodiment, it can also
Uniquely it is different from one or more devices of the present embodiment with carrying out corresponding change.The module of above-described embodiment can be merged into
One module, can also be further split into multiple submodule.
By the description of above embodiment, those skilled in the art is it can be readily appreciated that example embodiment described herein
It can also be realized in such a way that software is in conjunction with necessary hardware by software realization.Therefore, implemented according to the disclosure
The technical solution of example can be embodied in the form of software products, which can store in a non-volatile memories
In medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that a calculating equipment (can
To be personal computer, server, mobile terminal or network equipment etc.) it executes according to the method for the embodiment of the present disclosure.
It is particularly shown and described the exemplary embodiment of the disclosure above.It should be appreciated that the present disclosure is not limited to
Detailed construction, set-up mode or implementation method described herein；On the contrary, disclosure intention covers included in appended claims
Various modifications and equivalence setting in spirit and scope.
Claims (10)
1. a kind of finance customized information pushing method characterized by comprising
The user data of user is obtained, includes User Status time and User Status attribute in the user data；
Class indication is determined according to the User Status attribute；
Marketing mode and marketing time are determined according to the User Status time；
Financial customized information is generated based on the class indication and the marketing mode；And
Based on the marketing time by the financial customized information pushing to the user.
2. the method as described in claim 1, which is characterized in that determine marketing mode and marketing according to the User Status time
Time includes:
In the case where the state for time of the user is within first time,
Determine that marketing mode reaches mode for actively touching；And
Determine that the marketing time is periodical timing node.
3. the method according to claim 1, which is characterized in that determine marketing side according to the User Status time
Formula and marketing the time include:
In the case where the state for time of the user is in the second time range；
Determine that marketing mode is that passive touching reaches mode；And
Determine that the marketing time is triggering property timing node.
4. the method according to claim 1, which is characterized in that determine marketing side according to the User Status time
Formula and marketing the time include:
It is that debt does not close attribute, and the state for time of the user is in third time range in the status attribute of the user
When, branch wish is moved by user and determines the marketing mode and the marketing time.
5. method according to any of claims 1-4, which is characterized in that be based on the class indication and the marketing mode
Generating financial customized information includes:
The classification of financial customized information is determined based on the class indication；
The parameter of financial customized information is determined based on the marketing mode；And
The financial customized information is generated by the classification and the parameter.
6. the method according to claim 1 to 5, which is characterized in that customized the finance based on the marketing time
Information pushes to the user
Generate periodical timing node favor information；
Periodically financial customized information is generated based on the periodical timing node favor information；And
Based on periodical timing node by the financial customized information pushing to the user.
7. as the method according to claim 1 to 6, which is characterized in that customized the finance based on the marketing time
Information pushes to the user
The predefined action for monitoring user generates triggering property timing node by the predefined action；And
Based on the triggering property timing node by the financial customized information pushing to the user.
8. a kind of finance customized information pushing device characterized by comprising
Data module includes User Status time and User Status in the user data for obtaining the user data of user
Attribute；
Categorization module, for determining class indication according to the User Status attribute；
Marketing module, for determining marketing mode and marketing time according to the User Status time；
Information module, for generating financial customized information based on the class indication and the marketing mode；And
Pushing module, for being based on the marketing time for the financial customized information pushing to the user.
9. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs；
When one or more of programs are executed by one or more of processors, so that one or more of processors are real
The now method as described in any in claim 1-7.
10. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor
The method as described in any in claim 1-7 is realized when row.
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