CN110400167A - User's screening technique and device - Google Patents

User's screening technique and device Download PDF

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Publication number
CN110400167A
CN110400167A CN201910579620.8A CN201910579620A CN110400167A CN 110400167 A CN110400167 A CN 110400167A CN 201910579620 A CN201910579620 A CN 201910579620A CN 110400167 A CN110400167 A CN 110400167A
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user
score
target user
time
network model
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马书超
董泽伟
冯健
朱松岭
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Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241Advertisements
    • G06Q30/0251Targeted advertisements
    • G06Q30/0254Targeted advertisements based on statistics
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241Advertisements
    • G06Q30/0251Targeted advertisements
    • G06Q30/0255Targeted advertisements based on user history

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Abstract

This specification embodiment provides a kind of user's screening technique and device, using target user's behavioural characteristic relevant to e-payment as the input of first nerves network model trained in advance, the first score of target user is obtained by the output of first nerves network model, and the first score is used to indicate target user and probability to the usage behavior for the virtual resource provided in advance occurs in the first preset period of time;Using aforementioned behavioural characteristic as the input of nervus opticus network model trained in advance, the second score of target user is obtained by the output of nervus opticus network model, second score is used to indicate after pushing resource using reminding for target user, and the probability to the usage behavior for the virtual resource provided in advance occurs in the second preset period of time for target user;Variation according to the second score relative to the first score, it is determined whether push resource using reminding to target user, the user that can be activated by push resource using prompting can be filtered out.

Description

User's screening technique and device
Technical field
This specification one or more embodiment is related to computer field more particularly to user's screening technique and device.
Background technique
Corresponding some electronic fare payment systems, registration user is very big, and ten million rank, any active ues of every month are at million grades Not, there is money inside many user balances, and the remaining sum of many users is all that marketing activity obtains, there is no consume It goes out, this batch of fund is exactly a loss, invests, but do not take back any active ues for company.It is provided by push Source may remind the user that using resource that, for example, the mode of short massage notice reminds user, the cost of short massage notice is very using prompting It is low, but daily magnitude is limited, how the important ring for retracting this crowd of user, being in marketing activity of least cost.
Using operation rule, a collection of user is filtered out, carries out short message dispensing, the method for screening user in this way cannot be sufficiently sharp With the feature of user, some users, if send short messages, can all enliven, some users do not give short message, he does not know that he has this pen Money would not enliven.And some users, short message has been given, has exactly been interfered, application (app) perhaps can be unloaded.
Accordingly, it would be desirable to there is improved plan, the user that can be activated by push resource using prompting can be filtered out.
Summary of the invention
This specification one or more embodiment describes a kind of user's screening technique and device, can filter out by pushing away The user for sending resource that can activate using prompting.
In a first aspect, providing a kind of user's screening technique, method includes:
Using target user's behavioural characteristic relevant to e-payment as the defeated of first nerves network model trained in advance Enter, the first score of the target user is obtained by the output of the first nerves network model, first score is used for Indicate that the probability to the usage behavior for the virtual resource provided in advance occurs in the first preset period of time for the target user;
Using target user behavioural characteristic relevant to e-payment as nervus opticus network model trained in advance Input, the second score of the target user, second score are obtained by the output of the nervus opticus network model It is used to indicate after pushing resource using reminding for the target user, the target user is in the second preset period of time The probability to the usage behavior for the virtual resource provided in advance occurs;
Variation according to second score relative to first score, it is determined whether Xiang Suoshu target user pushes money Source uses prompting.
In a kind of possible embodiment, the first nerves network model is trained in the following manner:
Each user in first user set is special as sample in the behavioural characteristic relevant to e-payment of first time Sign, by each user to the virtual resource provided in advance in first preset period of time after the first time Usage behavior as sample label, the first nerves network model is trained.
In a kind of possible embodiment, the nervus opticus network model is trained in the following manner:
User each in second user set is special as sample in the behavioural characteristic relevant to e-payment of the second time Sign, second time are to push resource using the time reminded, by each user described second for each user It is right to the usage behavior for the virtual resource provided in advance as sample label in second preset period of time after time The nervus opticus network model is trained.
In a kind of possible embodiment, the behavioural characteristic relevant to e-payment includes at least one of following:
User's transaction count within a certain period of time, user within a certain period of time supplement with money number, user essential information, User's ties up card information.
In a kind of possible embodiment, the behavioural characteristic relevant to e-payment includes multinomial feature;
The first nerves network model be used for extract respectively the multinomial feature low order feature combination and it is described multinomial The high-order feature of feature combines, and combines to obtain first score according to low order feature combination and the high-order feature.
In a kind of possible embodiment, the behavioural characteristic relevant to e-payment includes multinomial feature;
The nervus opticus network model be used for extract respectively the multinomial feature low order feature combination and it is described multinomial The high-order feature of feature combines, and combines to obtain second score according to low order feature combination and the high-order feature.
In a kind of possible embodiment, the push resource includes at least one of following using reminding:
Short message prompting, phone alerts, notification message are reminded.
In a kind of possible embodiment, the variation according to second score relative to first score, Determine whether that the target user pushes resource and uses prompting, comprising:
Variation by second score relative to first score, is determined as the value added of the target user;
When sequence of the value added in third user set in the value added of each user of the target user be higher than it is default When ranking, determine that pushing resource to the target user uses prompting.
Second aspect, provides a kind of user's screening plant, and device includes:
First scoring unit, for first using target user's behavioural characteristic relevant to e-payment as training in advance The input of neural network model obtains the first score of the target user by the output of the first nerves network model, First score is used to indicate the target user and occurs in the first preset period of time to the virtual resource provided in advance Usage behavior probability;
Second scoring unit, for using target user behavioural characteristic relevant to e-payment as training in advance The input of nervus opticus network model, obtain the target user by the output of the nervus opticus network model second obtain Point, second score is used to indicate after pushing resource using reminding for the target user, and the target user is the The probability to the usage behavior for the virtual resource provided in advance occurs in two preset period of time;
Determination unit, the second score for being obtained according to the second scoring unit is relative to the first scoring unit The variation of the first obtained score, it is determined whether Xiang Suoshu target user pushes resource and uses prompting.
The third aspect provides a kind of computer readable storage medium, is stored thereon with computer program, when the calculating When machine program executes in a computer, enable computer execute first aspect method.
Fourth aspect provides a kind of calculating equipment, including memory and processor, and being stored in the memory can hold Line code, when the processor executes the executable code, the method for realizing first aspect.
The method and apparatus provided by this specification embodiment, first by target user's behavior relevant to e-payment Input of the feature as first nerves network model trained in advance, obtains institute by the output of the first nerves network model The first score of target user is stated, first score is used to indicate the target user and occurs in the first preset period of time To the probability of the usage behavior for the virtual resource provided in advance;Then target user behavior relevant to e-payment is special The input as nervus opticus network model trained in advance is levied, is obtained by the output of the nervus opticus network model described The second score of target user, second score are used to indicate after pushing resource using reminding for the target user, Probability to the usage behavior for the virtual resource provided in advance occurs in the second preset period of time for the target user;Root again Variation according to second score relative to first score, it is determined whether Xiang Suoshu target user pushes resource use and mentions It wakes up, so as to filter out the user that can be activated by push resource using prompting.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use in being described below to embodiment Attached drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this For the those of ordinary skill of field, without creative efforts, it can also be obtained according to these attached drawings others Attached drawing.
Fig. 1 is the implement scene schematic diagram of one embodiment that this specification discloses;
Fig. 2 shows user's screening technique flow charts according to one embodiment;
Fig. 3 shows the acquisition process schematic diagram of aforementioned first score;
Fig. 4 shows the acquisition process schematic diagram of aforementioned second score;
Fig. 5 shows the schematic block diagram of user's screening plant according to one embodiment.
Specific embodiment
With reference to the accompanying drawing, the scheme provided this specification is described.
Fig. 1 is the implement scene schematic diagram of one embodiment that this specification discloses.The implement scene is related to the sieve of user Choosing.Corresponding some electronic fare payment systems, registration user is very big, and ten million rank, any active ues of every month are in million ranks, very There is money inside multi-user's remaining sum, and the remaining sum of many users is all that marketing activity obtains, there is no consumption to go out, This batch of fund is exactly a loss, invests, but do not take back any active ues for company.Made by pushing resource It may remind the user that with prompting using resource.
This specification embodiment can filter out the user that can be activated by push resource using prompting.
Fig. 2 shows user's screening technique flow chart according to one embodiment, this method from a large number of users for screening Certain customers out push resource to the certain customers and use prompting.As shown in Fig. 2, user's screening technique the following steps are included: Step 21, using target user's behavioural characteristic relevant to e-payment as the defeated of first nerves network model trained in advance Enter, the first score of the target user is obtained by the output of the first nerves network model, first score is used for Indicate that the probability to the usage behavior for the virtual resource provided in advance occurs in the first preset period of time for the target user; Step 22, using target user behavioural characteristic relevant to e-payment as nervus opticus network model trained in advance Input obtains the second score of the target user by the output of the nervus opticus network model, and second score is used In instruction after pushing resource using reminding for the target user, the target user sends out in the second preset period of time The probability of the raw usage behavior to the virtual resource provided in advance;Step 23, according to second score relative to described first The variation of score, it is determined whether Xiang Suoshu target user pushes resource and uses prompting.The specific of above each step is described below Executive mode.
First in step 21, using target user's behavioural characteristic relevant to e-payment as first nerves trained in advance The input of network model obtains the first score of the target user by the output of the first nerves network model, described First score is used to indicate the target user and occurs to make the virtual resource provided in advance in the first preset period of time With the probability of behavior.It is understood that it is not push resource use to the target user to mention that first score is corresponding Score under waking up.
In one example, the behavioural characteristic relevant to e-payment includes at least one of following:
User's transaction count within a certain period of time, user within a certain period of time supplement with money number, user essential information, User's ties up card information.
In one example, the first nerves network model is trained in the following manner:
Each user in first user set is special as sample in the behavioural characteristic relevant to e-payment of first time Sign, by each user to the use row for the virtual resource provided in advance in the first preset period of time after the first time To be trained to the first nerves network model as sample label.For example, the sample label can serve to indicate that user The usage behavior to the virtual resource provided in advance has occurred in the first preset period of time after the first time;Or Person, the sample label can serve to indicate that user does not occur in the first preset period of time after the first time to pre- The usage behavior for the virtual resource first provided.
In one example, the behavioural characteristic relevant to e-payment includes multinomial feature;The first nerves net Network model is used to extract the low order feature combination of the multinomial feature respectively and the high-order feature of the multinomial feature combines, according to The low order feature combination and the high-order feature combine to obtain first score.
Then in step 22, using target user behavioural characteristic relevant to e-payment as the second of training in advance The input of neural network model obtains the second score of the target user by the output of the nervus opticus network model, Second score is used to indicate after pushing resource using reminding for the target user, and the target user is pre- second If the probability to the usage behavior for the virtual resource provided in advance occurs in the time cycle.It is understood that described first Dividing corresponding is to push resource to the target user to use the score under reminding.
In one example, the nervus opticus network model is trained in the following manner:
User each in second user set is special as sample in the behavioural characteristic relevant to e-payment of the second time Sign, second time are that resource is pushed for each user using the time reminded, by each user after second time The second preset period of time in the usage behavior of the virtual resource provided in advance as sample label, to the nervus opticus Network model is trained.For example, the sample label can serve to indicate that user is second default after second time The usage behavior to the virtual resource provided in advance has occurred in time cycle;Alternatively, the sample label can serve to indicate that use Usage behavior to the virtual resource provided in advance does not occur in the second preset period of time after second time for family.
In one example, the behavioural characteristic relevant to e-payment includes multinomial feature;The nervus opticus net Network model is used to extract the low order feature combination of the multinomial feature respectively and the high-order feature of the multinomial feature combines, according to The low order feature combination and the high-order feature combine to obtain second score.
It is understood that the second preset period of time can be identical as the first preset period of time, can also be different.
Variation finally in step 23, according to second score relative to first score, it is determined whether Xiang Suoshu Target user pushes resource and uses prompting.It is understood that can be according to the variation compared with preset threshold, to determine whether Resource, which is pushed, to the target user uses prompting;Alternatively, being compared according to the variation with the variation of other users, with determination Whether resource is pushed to the target user use prompting.
In one example, the push resource includes at least one of following using reminding: short message prompting, phone alerts, Notification message is reminded.Wherein, notification message prompting can be, but not limited to as the corresponding interior notification message of application of electronic fare payment system.
In one example, the variation by second score relative to first score is determined as the target and uses The value added at family;When sequence of the value added in third user set in the value added of each user of the target user be higher than it is pre- If when ranking, determining that pushing resource to the target user uses prompting.
The method provided by this specification embodiment first makees target user's behavioural characteristic relevant to e-payment For the input of first nerves network model trained in advance, the target is obtained by the output of the first nerves network model The first score of user, first score are used to indicate the target user and occur in the first preset period of time to preparatory The probability of the usage behavior of the virtual resource of granting;Then using target user behavioural characteristic relevant to e-payment as The input of trained nervus opticus network model in advance obtains the target by the output of the nervus opticus network model and uses Second score at family, second score are used to indicate after pushing resource using reminding for the target user, the mesh Probability to the usage behavior for the virtual resource provided in advance occurs in the second preset period of time for mark user;Further according to described Variation of second score relative to first score, it is determined whether Xiang Suoshu target user pushes resource using prompting, thus The user that can be activated by push resource using prompting can be filtered out.
Fig. 3 shows the acquisition process schematic diagram of aforementioned first score, wherein it is living that first nerves network model can be described as nature Jump model, and specifically use DeepFM model: 1., firstly, according to the behavioral data of user in history, extract user behavior characteristics 2. After user's history uplink is, whether can be enlivened in n days, form training label (label) 3. according to user behavior characteristics and instruction Practice label, form the input format that user's natural model training dataset 4. forms DeepFM model, training pattern obtains nature Model 5. is enlivened according to the behavioral data of active user, using model is enlivened naturally, estimates the natural recurrence score of user, it should be certainly So return score, that is, aforementioned first score.
Fig. 4 shows the acquisition process schematic diagram of aforementioned second score, wherein nervus opticus network model can be described as short message and swash Model living, specifically use DeepFM model: 1. firstly, random short message dispensing, obtains the day that unbiased data 2. are launched according to short message Phase, n days after 3. short message of user characteristics that gets Date dispensing, whether user is active, determines sample 4. according to user characteristics With training label, the training dataset 5. for forming short message activation model forms the input format of DeepFM model, and training pattern obtains Short message activation model 6. is obtained according to the behavioral data collection of active user, model is activated using short message, estimates user's short message and activate Point, which activates score, that is, aforementioned second score.
Can iris out short message using the aforementioned score and short message activation score of returning naturally and launch crowd: 1. according to naturally active The natural recurrence score a 2. that model obtains activates model to obtain short message activation score b 3. and obtains short message bring according to short message Increment score c=b-a 4. sorts according to score c, and sequence is taken to preset the crowd of ranking at preceding (top), carries out short message dispensing.
This specification embodiment can select the crowd that short message can activate, and for whether launching short message, user can live The user of jump, is filtered.According to two models, the effect that can maximize short message is selected.Whether filtering launches short message, all The crowd that meeting nature returns.
According to the embodiment of another aspect, a kind of user's screening plant is also provided, the device is for executing this specification reality User's screening technique of example offer is provided.Fig. 5 shows the schematic block diagram of user's screening plant according to one embodiment.Such as Fig. 5 Shown, which includes:
First scoring unit 51, for using target user's behavioural characteristic relevant to e-payment as trained in advance the The input of one neural network model, obtain the target user by the output of the first nerves network model first obtain Point, first score is used to indicate the target user and occurs in the first preset period of time to the virtual money provided in advance The probability of the usage behavior in source;
Second scoring unit 52, for using target user behavioural characteristic relevant to e-payment as preparatory training Nervus opticus network model input, the second of the target user is obtained by the output of the nervus opticus network model Score, second score are used to indicate after pushing resource using reminding for the target user, and the target user exists The probability to the usage behavior for the virtual resource provided in advance occurs in second preset period of time;
Determination unit 53, the second score for being obtained according to the second scoring unit 52 is relative to first scoring The variation for the first score that unit 51 obtains, it is determined whether Xiang Suoshu target user pushes resource and uses prompting.
Optionally, as one embodiment, the first nerves network model is trained in the following manner:
Each user in first user set is special as sample in the behavioural characteristic relevant to e-payment of first time Sign, by each user to the use row for the virtual resource provided in advance in the first preset period of time after the first time To be trained to the first nerves network model as sample label.
Optionally, as one embodiment, the nervus opticus network model is trained in the following manner:
User each in second user set is special as sample in the behavioural characteristic relevant to e-payment of the second time Sign, second time are that resource is pushed for each user using the time reminded, by each user after second time The second preset period of time in the usage behavior of the virtual resource provided in advance as sample label, to the nervus opticus Network model is trained.
Optionally, as one embodiment, the behavioural characteristic relevant to e-payment includes at least one of following:
User's transaction count within a certain period of time, user within a certain period of time supplement with money number, user essential information, User's ties up card information.
Optionally, as one embodiment, the behavioural characteristic relevant to e-payment includes multinomial feature;
The first nerves network model be used for extract respectively the multinomial feature low order feature combination and it is described multinomial The high-order feature of feature combines, and combines to obtain first score according to low order feature combination and the high-order feature.
Optionally, as one embodiment, the behavioural characteristic relevant to e-payment includes multinomial feature;
The nervus opticus network model be used for extract respectively the multinomial feature low order feature combination and it is described multinomial The high-order feature of feature combines, and combines to obtain second score according to low order feature combination and the high-order feature.
Optionally, as one embodiment, the push resource includes at least one of following using reminding:
Short message prompting, phone alerts, notification message are reminded.
Optionally, as one embodiment, the determination unit 53 is specifically used for:
Variation by second score relative to first score, is determined as the value added of the target user;
When sequence of the value added in third user set in the value added of each user of the target user be higher than it is default When ranking, determine that pushing resource to the target user uses prompting.
The device provided by this specification embodiment, the first first scoring unit 51 is by target user and e-payment phase Input of the behavioural characteristic of pass as first nerves network model trained in advance, passes through the defeated of the first nerves network model The first score of the target user is obtained out, and first score is used to indicate the target user in the first preset time week The probability to the usage behavior for the virtual resource provided in advance occurs in phase;Then the second scoring unit 52 is by the target user Input of the behavioural characteristic relevant to e-payment as nervus opticus network model trained in advance, passes through the nervus opticus The output of network model obtains the second score of the target user, and second score is used to indicate to be used for the target After family pushes resource using reminding, the target user occurs in the second preset period of time to the virtual resource provided in advance Usage behavior probability;Last variation of the determination unit 53 further according to second score relative to first score, really Determine whether to use to target user push resource and remind, can be swashed by push resource using prompting so as to filter out User living.
According to the embodiment of another aspect, a kind of computer readable storage medium is also provided, is stored thereon with computer journey Sequence enables computer execute method described in conjunction with Figure 2 when the computer program executes in a computer.
According to the embodiment of another further aspect, a kind of calculating equipment, including memory and processor, the memory are also provided In be stored with executable code, when the processor executes the executable code, realize method described in conjunction with Figure 2.
Those skilled in the art are it will be appreciated that in said one or multiple examples, function described in the invention It can be realized with hardware, software, firmware or their any combination.It when implemented in software, can be by these functions Storage in computer-readable medium or as on computer-readable medium one or more instructions or code transmitted.
Above-described specific embodiment has carried out further the purpose of the present invention, technical scheme and beneficial effects It is described in detail, it should be understood that being not intended to limit the present invention the foregoing is merely a specific embodiment of the invention Protection scope, all any modification, equivalent substitution, improvement and etc. on the basis of technical solution of the present invention, done should all Including within protection scope of the present invention.

Claims (18)

1. a kind of user's screening technique, which comprises
Using target user's behavioural characteristic relevant to e-payment as the input of first nerves network model trained in advance, lead to The output for crossing the first nerves network model obtains the first score of the target user, and first score is used to indicate institute It states target user and probability to the usage behavior for the virtual resource provided in advance occurs in the first preset period of time;
Using target user behavioural characteristic relevant to e-payment as the defeated of nervus opticus network model trained in advance Enter, the second score of the target user is obtained by the output of the nervus opticus network model, second score is used for After pushing resource using reminding for the target user, the target user occurs in the second preset period of time for instruction To the probability of the usage behavior for the virtual resource provided in advance;
Variation according to second score relative to first score, it is determined whether Xiang Suoshu target user, which pushes resource, to be made With prompting.
2. the method for claim 1, wherein the first nerves network model is trained in the following manner:
Using the first user set in each user first time behavioural characteristic relevant to e-payment be used as sample characteristics, general Each user makes the virtual resource provided in advance in first preset period of time after the first time It uses behavior as sample label, the first nerves network model is trained.
3. the method for claim 1, wherein the nervus opticus network model is trained in the following manner:
Using user each in second user set the second time behavioural characteristic relevant to e-payment as sample characteristics, institute Stating for the second time is that resource is pushed for each user using the time reminded, by each user second time it To the usage behavior for the virtual resource provided in advance as sample label in rear second preset period of time, to described the Two neural network models are trained.
4. the method for claim 1, wherein the behavioural characteristic relevant to e-payment includes following at least one :
User's transaction count within a certain period of time, user within a certain period of time supplement number, the essential information of user, user with money Tie up card information.
5. the method for claim 1, wherein the behavioural characteristic relevant to e-payment includes multinomial feature;
The first nerves network model is used to extract the combination of low order feature and the multinomial feature of the multinomial feature respectively High-order feature combination, according to the low order feature combination and the high-order feature combine to obtain first score.
6. the method for claim 1, wherein the behavioural characteristic relevant to e-payment includes multinomial feature;
The nervus opticus network model is used to extract the combination of low order feature and the multinomial feature of the multinomial feature respectively High-order feature combination, according to the low order feature combination and the high-order feature combine to obtain second score.
7. the method for claim 1, wherein the push resource includes at least one of following using reminding:
Short message prompting, phone alerts, notification message are reminded.
8. the method for claim 1, wherein change according to second score relative to first score Change, it is determined whether Xiang Suoshu target user pushes resource and uses prompting, comprising:
Variation by second score relative to first score, is determined as the value added of the target user;
When sequence of the value added in third user set in the value added of each user of the target user is higher than default ranking When, determine that pushing resource to the target user uses prompting.
9. a kind of user's screening plant, described device include:
First scoring unit, for using target user's behavioural characteristic relevant to e-payment as first nerves trained in advance The input of network model obtains the first score of the target user by the output of the first nerves network model, described First score is used to indicate the target user and occurs to make the virtual resource provided in advance in the first preset period of time With the probability of behavior;
Second scoring unit, for second using target user behavioural characteristic relevant to e-payment as training in advance The input of neural network model obtains the second score of the target user by the output of the nervus opticus network model, Second score is used to indicate after pushing resource using reminding for the target user, and the target user is pre- second If the probability to the usage behavior for the virtual resource provided in advance occurs in the time cycle;
Determination unit, the second score for being obtained according to the second scoring unit are obtained relative to the first scoring unit The first score variation, it is determined whether Xiang Suoshu target user push resource using remind.
10. device as claimed in claim 9, wherein the first nerves network model is trained in the following manner:
Using the first user set in each user first time behavioural characteristic relevant to e-payment be used as sample characteristics, general Each user makes the virtual resource provided in advance in first preset period of time after the first time It uses behavior as sample label, the first nerves network model is trained.
11. device as claimed in claim 9, wherein the nervus opticus network model is trained in the following manner:
Using user each in second user set the second time behavioural characteristic relevant to e-payment as sample characteristics, institute Stating for the second time is that resource is pushed for each user using the time reminded, by each user second time it To the usage behavior for the virtual resource provided in advance as sample label in rear second preset period of time, to described the Two neural network models are trained.
12. device as claimed in claim 9, wherein the behavioural characteristic relevant to e-payment includes following at least one :
User's transaction count within a certain period of time, user within a certain period of time supplement number, the essential information of user, user with money Tie up card information.
13. device as claimed in claim 9, wherein the behavioural characteristic relevant to e-payment includes multinomial feature;
The first nerves network model is used to extract the combination of low order feature and the multinomial feature of the multinomial feature respectively High-order feature combination, according to the low order feature combination and the high-order feature combine to obtain first score.
14. device as claimed in claim 9, wherein the behavioural characteristic relevant to e-payment includes multinomial feature;
The nervus opticus network model is used to extract the combination of low order feature and the multinomial feature of the multinomial feature respectively High-order feature combination, according to the low order feature combination and the high-order feature combine to obtain second score.
15. device as claimed in claim 9, wherein the push resource includes at least one of following using reminding:
Short message prompting, phone alerts, notification message are reminded.
16. device as claimed in claim 9, wherein the determination unit is specifically used for:
Variation by second score relative to first score, is determined as the value added of the target user;
When sequence of the value added in third user set in the value added of each user of the target user is higher than default ranking When, determine that pushing resource to the target user uses prompting.
17. a kind of computer readable storage medium, is stored thereon with computer program, when the computer program in a computer When execution, computer perform claim is enabled to require the method for any one of 1-8.
18. a kind of calculating equipment, including memory and processor, executable code, the processing are stored in the memory When device executes the executable code, the method for any one of claim 1-8 is realized.
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