CN110909264A

CN110909264A - Information processing method, device, equipment and storage medium

Info

Publication number: CN110909264A
Application number: CN201911207246.5A
Authority: CN
Inventors: 汪远; 杨进京; 杨勇; 张海玲
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2019-11-29
Filing date: 2019-11-29
Publication date: 2020-03-24
Anticipated expiration: 2039-11-29
Also published as: CN110909264B

Abstract

The application discloses an information processing method, an information processing device, information processing equipment and a storage medium, and belongs to the technical field of the Internet. The method comprises the following steps: receiving an information processing request sent by a terminal when detecting that a target user abnormally exits a bank card binding page; acquiring historical data of a target user based on the identification information of the target user; determining a target address of the target user based on the historical data of the target user; receiving real-time position information of a target user, which is sent by a terminal; responding to the matching of the real-time position information of the target user and the target address, and determining that the target user is in the area indicated by the target address; and responding to the determined target user in the area indicated by the target address, and sending prompt information to the terminal. In the information processing process, the prompt information is sent to the terminal at a proper time, and the target user is guided to access the bank card binding page again, so that the terminal can obtain the bank card binding information of the target user in time, and the conversion rate of bank card binding is improved.

Description

Information processing method, device, equipment and storage medium

Technical Field

The embodiment of the application relates to the technical field of internet, in particular to an information processing method, an information processing device, information processing equipment and a storage medium.

Background

At present, due to the convenience of network payment, more and more people choose to consume in a network payment mode. In a network payment scenario, a user generally needs to bind an application account related to network payment with a bank card for payment, and then draws funds from an account corresponding to the bank card when payment is needed. In the process of binding the bank card, the terminal needs to acquire bank card binding information (card number, identity information, etc.) of the user on a bank card binding page. When the user forgets the card number of the bank card and the bank card is not nearby, the user usually interrupts the bank card binding operation and exits the bank card binding page. Then, if the user does not need to perform network payment again, it is difficult to remember to access the bank card binding page again, so that the terminal cannot acquire the bank card binding information of the user within a long period of time, and the conversion rate of bank card binding is reduced.

Disclosure of Invention

The embodiment of the application provides an information processing method, an information processing device, information processing equipment and a storage medium, which can be used for solving the problems in the related art. The technical scheme is as follows:

in one aspect, an embodiment of the present application provides an information processing method, where the method includes:

receiving an information processing request sent by a terminal when a target user abnormally exits a bank card binding page, wherein the information processing request comprises identification information of the target user, and the information processing request is used for indicating that a bank card binding process of the target user fails;

acquiring historical data of the target user based on the identification information of the target user;

determining a target address of the target user based on the historical data of the target user;

receiving real-time position information of the target user, which is sent by the terminal;

in response to the real-time location information of the target user matching the target address, determining that the target user is in an area indicated by the target address;

and responding to the determined target user in the area indicated by the target address, and sending prompt information to the terminal, wherein the prompt information is used for guiding the target user to access the bank card binding page again.

Optionally, the determining a target address of the target user based on the historical data of the target user includes:

acquiring target data corresponding to the target user from the historical data of the target user, wherein the target data is used for indicating a position;

and analyzing the target data to determine the target address of the target user.

Optionally, the target data includes at least one address, and the analyzing the target data to determine the target address of the target user includes:

in response to the existence of the address with the target label in the at least one address, determining a target address of the target user based on the address with the target label;

in response to the fact that the address with the target label does not exist in the at least one address, at least one address meeting a reference condition is obtained in the at least one address, and the target address of the target user is determined based on the at least one address meeting the reference condition.

Optionally, the obtaining at least one address satisfying a reference condition from the at least one address includes:

for any address in the at least one address, in response to the address being an item delivery address in a reference time period, taking the address as any address meeting a reference condition, wherein the reference time period comprises a full-day time period of a non-working day and a specified time period of the working day;

the determining the target address of the target user based on the at least one address satisfying the reference condition comprises:

and acquiring the reliability degree of each address meeting the reference condition as the target address of the target user, and taking the address meeting the reference condition with the highest reliability degree in each address meeting the reference condition as the target address of the target user.

Optionally, after determining the target address of the target user, the method further includes:

analyzing the historical data of the target user to determine a target time period, wherein the target time period is a prediction time period of the target user in the area indicated by the target address;

the determining that the target user is in the area indicated by the target address in response to the real-time location information of the target user matching the target address comprises:

and in response to the fact that the real-time position information of the target user is matched with the target address and the current timestamp is any timestamp in the target time period, determining that the target user is in the area indicated by the target address.

There is also provided an information processing method, the method including:

in response to detecting a target instruction of a target user on a bank card binding page, sending an information processing request to a server, wherein the information processing request comprises identification information of the target user, the target instruction is used for indicating that the target user abnormally exits the bank card binding page, and the information processing request is used for indicating that a bank card binding process of the target user fails;

acquiring real-time position information of the target user, and sending the real-time position information of the target user to the server;

displaying the prompt information sent by the server, wherein the prompt information is used for guiding the target user to access the bank card binding page again;

and displaying the bank card binding page based on the trigger instruction of the target user to the prompt message.

Optionally, before sending the information processing request to the server, the method further includes:

acquiring filled information of the target user on the bank card binding page;

the displaying the bank card binding page based on the trigger instruction of the target user to the prompt message comprises:

and displaying the bank card binding page comprising the filled information based on the trigger instruction of the target user to the prompt information.

In another aspect, there is provided an information processing apparatus, the apparatus including:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving an information processing request sent by a terminal when detecting that a target user abnormally exits a bank card binding page, the information processing request comprises identification information of the target user, and the information processing request is used for indicating that a bank card binding process of the target user fails;

the acquisition module is used for acquiring historical data of the target user based on the identification information of the target user;

the determining module is used for determining a target address of the target user based on the historical data of the target user;

the receiving module is further configured to receive the real-time location information of the target user sent by the terminal;

the determining module is further configured to determine that the target user is located in an area indicated by the target address in response to that the real-time location information of the target user matches the target address;

and the sending module is used for responding to the condition that the target user is located in the area indicated by the target address, and sending prompt information to the terminal, wherein the prompt information is used for guiding the target user to access the bank card binding page again.

Optionally, the determining module includes:

an obtaining unit, configured to obtain, from history data of the target user, target data corresponding to the target user, where the target data is data used for indicating a position;

and the determining unit is used for analyzing the target data and determining the target address of the target user.

Optionally, the target data includes at least one address, and the determining unit is configured to determine, in response to a presence of an address with a target tag in the at least one address, a target address of the target user based on the address with the target tag; in response to the fact that the address with the target label does not exist in the at least one address, at least one address meeting a reference condition is obtained in the at least one address, and the target address of the target user is determined based on the at least one address meeting the reference condition.

Optionally, the determining unit is configured to, for any address in the at least one address, in response to that the any address is an item delivery address in a reference time period, regard the any address as any address meeting a reference condition, where the reference time period includes a full-day time period of a non-working day and a specified time period of a working day; and acquiring the reliability degree of each address meeting the reference condition as the target address of the target user, and taking the address meeting the reference condition with the highest reliability degree in each address meeting the reference condition as the target address of the target user.

Optionally, the determining module is further configured to analyze historical data of the target user, and determine a target time period, where the target time period is a predicted time period when the target user is located in an area indicated by the target address; and in response to the fact that the real-time position information of the target user is matched with the target address and the current timestamp is any timestamp in the target time period, determining that the target user is in the area indicated by the target address.

There is also provided an information processing apparatus, the apparatus including:

the system comprises a sending module, a processing module and a processing module, wherein the sending module is used for responding to a target instruction of a target user on a bank card binding page and sending an information processing request to a server, the information processing request comprises identification information of the target user, the target instruction is used for indicating the target user to abnormally quit the bank card binding page, and the information processing request is used for indicating that a bank card binding process of the target user fails;

the acquisition module is used for acquiring the real-time position information of the target user;

the sending module is further configured to send the real-time location information of the target user to the server;

the display module is used for displaying the prompt information sent by the server, and the prompt information is used for guiding the target user to access the bank card binding page again;

and the display module is also used for displaying the bank card binding page based on the trigger instruction of the target user to the prompt message.

Optionally, the obtaining module is further configured to obtain filled information of the target user on the bank card binding page;

and the display module is also used for displaying the bank card binding page containing the filled information based on the trigger instruction of the target user to the prompt information.

In another aspect, a computer device is provided, which includes a processor and a memory, wherein at least one program code is stored in the memory, and the at least one program code is loaded and executed by the processor to implement any of the above-mentioned information processing methods.

In another aspect, a computer-readable storage medium is provided, in which at least one program code is stored, and the at least one program code is loaded and executed by a processor to implement any of the above-mentioned information processing methods.

The technical scheme provided by the embodiment of the application at least has the following beneficial effects:

the terminal sends an information processing request to the server after detecting a target instruction of a target user on a bank card binding page; the server determines a target address of a target user based on the information processing request, when the target user is determined to be in an area indicated by the target address based on real-time position information of the target user, prompt information is sent to the terminal, and the terminal displays a bank card binding page based on a trigger instruction of the target user to the prompt information. The information processing process can send prompt information to the terminal at a proper time after the target user abnormally exits the bank card binding page, and guide the target user to access the bank card binding page again, so that the terminal can acquire the bank card binding information of the target user in time, and the conversion rate of bank card binding is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of an implementation environment of an information processing method according to an embodiment of the present application;

fig. 2 is a flowchart of an information processing method provided in an embodiment of the present application;

fig. 3 is a schematic interface diagram of a bank card binding page provided in an embodiment of the present application;

fig. 4 is an interface schematic diagram of a bank card binding page provided in an embodiment of the present application;

fig. 5 is a schematic interface diagram of a terminal displaying prompt information according to an embodiment of the present application;

FIG. 6 is a diagram illustrating an information processing process provided by an embodiment of the present application;

fig. 7 is a schematic diagram of an information processing apparatus according to an embodiment of the present application;

FIG. 8 is a block diagram of a determining module according to an embodiment of the present disclosure;

fig. 9 is a schematic diagram of an information processing apparatus according to an embodiment of the present application;

fig. 10 is a schematic structural diagram of an information processing apparatus provided in an embodiment of the present application;

fig. 11 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

In view of the above, an embodiment of the present application provides an information processing method, and please refer to fig. 1, which shows a schematic diagram of an implementation environment of the information processing method provided in the embodiment of the present application. The implementation environment may include: a terminal 11 and a server 12.

The terminal 11 is installed with an application program or a web page capable of bank card binding, and when the terminal detects that the target user abnormally exits the bank card binding page in the application program or the web page, an information processing request can be sent to the server 12. The server 12 may obtain the history data of the target user, obtain the target address of the target user based on the history data analysis, and send the prompt message to the terminal 11 when determining that the target user is in the area indicated by the target address. The terminal 11 may display the prompt information, and may also display the bank card binding page based on a trigger instruction of the target user to the prompt information.

Alternatively, the terminal 11 may be any electronic product capable of performing man-machine interaction with a user through one or more modes of a keyboard, a touch pad, a touch screen, a remote controller, voice interaction or handwriting equipment, such as a PC (Personal computer), a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a wearable device, a pocket PC (pocket PC), a tablet computer, a smart car, a smart television, a smart speaker, and the like. The server 12 may be a server, a server cluster composed of a plurality of servers, or a cloud computing service center. The terminal 11 establishes a communication connection with the server 12 through a wired or wireless network.

It should be understood by those skilled in the art that the above-mentioned terminal 11 and server 12 are only examples, and other existing or future terminals or servers may be suitable for the present application and are included within the scope of the present application and are herein incorporated by reference.

Based on the implementation environment shown in fig. 1, an embodiment of the present application provides an information processing method, which is applied to an interaction process between a terminal and a server as an example. As shown in fig. 2, the method provided by the embodiment of the present application may include the following steps:

in step 201, in response to detecting a target instruction of a target user in a bank card binding page, the terminal sends an information processing request to the server.

The target user refers to any user needing to bind the bank card in an application program or a webpage of the terminal. The bank card binding page is a page for the target user to fill in information to bind the bank card. The target instruction is used for indicating the target user to abnormally quit the bank card binding page. The abnormal exit of the bank card binding page means that the target user exits the bank card binding page before the information filling process of the bank card binding page is completed.

Optionally, before detecting a target instruction of a target user for binding a page in a bank card, the method further includes: the terminal acquires a bank card binding request and displays a bank card binding page based on the bank card binding request.

On the interface of the terminal, an entrance for binding the bank card can be provided, and when the target user triggers the entrance for binding the bank card, the terminal obtains the bank card binding request. The form of the entrance for binding the bank card may be a button or an icon, which is not limited in the embodiment of the present application. After the terminal acquires the bank card binding request, the bank card binding page can be displayed based on the bank card binding request.

And displaying at least one information input box on the bank card binding page to acquire the information of the bank card to be bound, which is input by a target user, wherein the at least one input box comprises but is not limited to a card number input box, a name input box, an identity card number input box, a communication number input box and the like. It should be noted that the bank card binding page may be one page, or may be a page composed of multiple sub-pages, which is not limited in this embodiment of the application.

For the condition that the bank card binding page is one page, all information input boxes needing to be filled in can be displayed in the page. For example, as shown in fig. 3, assuming that the information to be filled in the bank card binding process is a card number, a name, an identity document number, and a communication number, information input boxes corresponding to the four kinds of information are simultaneously displayed on the bank card binding page, so that the target user can fill in the four kinds of information.

For the condition that the bank card binding page is a page formed by a plurality of sub-pages, different information input frames can be displayed on different sub-pages so as to obtain different information on different sub-pages. Optionally, the bank card binding page may be composed of a card number input page and an identity information input page, where the card number input page displays a card number input box and the identity information input page displays an identity information input box. The identity information input box includes, but is not limited to, a name input box, an identity document number input box, and a communication number input box. In this case, the terminal displays the identity information input page after acquiring the card number input by the target user on the card number input page. The type of the input box displayed on the identity information input page can be determined according to the card number input by the target user. Different banks may have different requirements for binding cards, that is, different identity information to be verified. Therefore, the terminal can determine the bank corresponding to the card number according to the card number input by the target user, then obtain the card binding requirement corresponding to the bank, and display the input box according to the card binding requirement.

For example, as shown in fig. 4, the bank card binding page is composed of a card number input page ((1) in fig. 4) and an identity information input page ((2) in fig. 4), and a card number input box is displayed on the card number input page shown in (1) in fig. 4. After the terminal obtains the card number input by the target user, the bank corresponding to the card number is assumed to be a Chinese bank. The terminal can acquire the binding requirement corresponding to the bank of china in the local storage, and if the binding requirement indicates that the name, the identity document number and the communication number need to be verified in the card binding process, the terminal displays the name input box, the identity document number input box and the communication number input box in the identity information input box shown in (2) in fig. 4.

After the terminal displays the bank card binding page, the target user needs to fill and write corresponding information in an input frame of the bank card binding page. When the target user fills corresponding information in all input frames of the bank card binding page, the terminal can send the acquired information to a server of a bank corresponding to the card number, the server of the bank verifies the information, after the verification is successful, the terminal can jump from the bank card binding page to the binding success page, and at the moment, the target user normally exits the bank card binding page. It should be noted that, when the target user forgets the information such as the card number during the information filling process of the bank card binding page and cannot acquire the information immediately, the target user interrupts the bank card binding process, and at this time, the target user abnormally exits the bank card binding page. Therefore, the terminal detects a target instruction of a target user on a bank card binding page. As an example. When the terminal detects that the target user triggers the 'return' option in fig. 3 or fig. 4, it can be considered that the target instruction of the target user on the bank card binding page is detected.

When the terminal detects a target instruction of a target user on a bank card binding page, the target user can be considered to have a willingness to bind the bank card, but the bank card binding process cannot be completed due to reasons such as forgetting information. At the moment, in response to detecting a target instruction of a target user for binding a page in a bank card, the terminal sends an information processing request to the server. The information processing request comprises identification information of a target user, and the information processing request is used for indicating that the bank card binding process of the target user fails. The identification information of the target user is used to uniquely identify the target user, for example, a login account of the target user. And the information processing request is used for informing the server that the target user is the user interrupting the bank card binding process, so that the server records the target user and processes the information of the target user.

Optionally, before sending the information processing request to the server, the terminal may further obtain filled information of the target user on the bank card binding page, so that when the target user accesses the bank card binding page again, the filled information is displayed on the bank card binding page, the information filling amount of the target user is reduced, and the experience of the target user is improved. Optionally, the filled-in information includes, but is not limited to, a name, communication number information, identity document number information of the target user.

In step 202, the server receives an information processing request sent when the terminal detects that the target user abnormally exits the bank card binding page.

After the terminal sends the information processing request to the server, the server receives the information processing request sent when the terminal detects that the target user abnormally exits the bank card binding page, and then step 203 is executed.

Optionally, after receiving the information processing request sent by the terminal, the server may invoke the intelligent card signing and binding system to create a task of intelligently notifying the target user of card binding, so as to send the prompt information to the terminal of the target user at a suitable time.

In step 203, the server obtains the history data of the target user based on the identification information of the target user.

After receiving the information processing request sent by the terminal, the server can acquire the historical data of the target user according to the identification information of the target user included in the information processing request, so as to analyze the historical data of the target user.

Optionally, the server stores a correspondence between the identity information of each user and the identification information, and a correspondence between the identity information of each user and the history data. It should be noted that, the identity information of the user and the identification information are in a one-to-many relationship, that is, for any user, the identity information of the user is unique, and the identification information of the user may be multiple, but any one of the multiple identification information can uniquely identify the user. For example, the identity information of the user is an identity document number of the user, and the identification information of the user is a login account of the user in each application program. The historical data refers to data corresponding to historical behaviors and operations generated by a user in each application program or webpage, and the historical data includes but is not limited to data for indicating positions, data for indicating behaviors and the like. The server can acquire data generated by each user in real time and then store the acquired data and the identity information of the user in an associated manner.

Optionally, the process of acquiring, by the server, the historical data of the target user based on the identification information of the target user is as follows: the server determines the identity information of the target user in the corresponding relation between the identity information of each user and the identification information according to the identification information of the target user; determining all historical data corresponding to the identity information of the target user based on the corresponding relation between the identity information of each user and the historical data; and acquiring historical data of the target user based on all historical data corresponding to the identity information of the target user.

Optionally, the manner of obtaining the history data of the target user based on the entire history data corresponding to the identity information of the target user includes, but is not limited to, the following two manners:

the first method is as follows: and directly taking all historical data corresponding to the identity information of the target user as the historical data of the target user.

In this way, the history data of the target user is all the history data of the target user stored in the server.

The second method comprises the following steps: and taking the history data meeting the target condition in all the history data corresponding to the identity information of the target user as the history data of the target user.

The target condition may be set empirically or may be freely adjusted according to an application scenario, which is not limited in the embodiment of the present application. For example, the target condition may be that the generation date of the history data is within a target date range, wherein the target date range is a date range from a date one year from the current date to the current date. For example, assuming that the current date is 2019, 10, month, 1, the target date ranges from 2018, 10, month, 1, to 2019, 10, month, 1.

After obtaining the history data of the target user, the server may perform step 204 based on the history data of the target user.

In step 204, the server determines the target address of the target user based on the target user's historical data.

After the server acquires the historical data of the target user, the server can analyze the historical data so as to determine the target address of the target user. The destination address is an address for facilitating the destination user to obtain information such as a bank card number, for example, a residential address of the destination user.

Optionally, the process of determining the target address of the target user by the server includes the following two steps:

step 1: and acquiring target data corresponding to the target user from the historical data of the target user.

The target data is data indicating a position. The target data may include one or more of location coordinates and addresses. A timestamp carried by any one of the target data. The time stamp is used to indicate the generation time of the data. The same location coordinates may correspond to multiple timestamps and the same address may correspond to multiple timestamps.

The location coordinates may consist of longitude and latitude. In an actual map, each position coordinate corresponds to a point. The address refers to a specific address filled or selected by the target user, and the address may be composed of information of a city, a county, a district, a street, and the like, and each address corresponds to a region in an actual map. Each address may carry functional information. The function information is used to indicate functions of the address, for example, a navigation function, a distribution function, etc., and one address may correspond to a plurality of function information.

The server extracts data indicating the location in the history data of the target user as target data, and then performs step 2.

Step 2: and analyzing the target data to determine the target address of the target user.

Since the target data is data indicating a location, a target address of a target user can be determined by analyzing the target data. Optionally, the target data is analyzed, and the method for determining the target address of the target user is as follows: the server marks each position indicated by the target data in the map, determines the area with the most dense marks in the map, and takes the address corresponding to the area as the target address of the target user.

Optionally, the target data may include at least one address, and for any address in the at least one address, the address may or may not have a tag. Wherein the tag is used to indicate the type of address. For example, tags include, but are not limited to, home, company, school, and the like. Optionally, in the case that the target data includes at least one address, the server analyzes the target data, and the manner of determining the target address of the target user includes, but is not limited to, the following two manners:

mode 1: and in response to the address with the target label existing in the at least one address, determining the target address of the target user based on the address with the target label.

The target tag is used to indicate the type of address as a target address. When there is an address having a target tag in at least one address, the number of addresses having the target tag may be one or more.

When the number of addresses with target tags is one, the target address of the target user is determined based on the addresses with target tags in the following manner: and directly taking the address with the target label as the target address of the target user.

When the number of the addresses having the target tags is plural, based on the addresses having the target tags, the manner of determining the target address of the target user may be: and acquiring the use frequency of each address with the target label, and taking the address with the target label with the highest use frequency as the target address of the target user. The use frequency is the ratio of the number of times that the address with the target label is used by the target user to the total number of times that all the addresses with the target label are used by the target user. The higher the usage frequency, the more times the target user uses the address with the target tag, the higher the possibility that the address with the target tag is the actual target address of the target user. The target user may use the address with the target tag as a navigation address, or use the address with the target tag as an article delivery address, or the like.

It should be noted that, in the case of the mode 1, when there is an address having a target tag in at least one address, and there is no address having a target tag in at least one address, the target address of the target user may be determined according to the following mode 2.

Mode 2: and in response to the fact that the address with the target label does not exist in the at least one address, acquiring at least one address meeting a reference condition from the at least one address, and determining the target address of the target user based on the at least one address meeting the reference condition.

When the address with the target label does not exist in the at least one address, the fact that the address which explicitly indicates the target address of the target user does not exist in the at least one address is explained. The case that the address with the target tag does not exist in the at least one address may include the following two types:

case 1: all of the at least one address do not have a tag.

Case 2: all addresses in at least one address have tags, but none of the tags of the respective addresses are target tags.

In either case, when there is no address having the target tag in the at least one address, the server obtains at least one address satisfying the reference condition from the at least one address to determine the target address of the target user based on the address satisfying the reference condition. Optionally, the obtaining, by the server, at least one address satisfying the reference condition from the at least one address includes: and for any address in the at least one address, in response to any address being an item delivery address in the reference time period, taking any address as any address meeting the reference condition.

The reference time period refers to a time period when a general user is predicted to be at home. The reference time period includes a full-day time period of the non-working day and a specified time period of the working day. It should be noted that the working day in the embodiment of the present application refers to a standard working day, that is, a working day that is specified by law and is normally performed by a general worker. Non-workdays refer to days other than workdays, including public holidays and legal holidays. The whole day time period of the non-working day is a time period of 00:00-24: 00. The specified time period of the working day refers to a predicted time period when a general employee returns home in the working day, and the specified time period may be set according to experience or may be freely adjusted according to an application scenario, which is not limited in the embodiment of the present application. For example, the specified period may be set to a period of 21:00-6:00, or the like.

And for any address in the at least one address, when the any address is an item delivery address in the reference time period, the possibility that the any address is a target address of a target user is high, and the any address is taken as any address meeting the reference condition. The articles include, but are not limited to, take-away articles, express delivery articles, and the like.

After the server acquires at least one address meeting the reference condition, the target address of the target user is determined based on the at least one address meeting the reference condition. The process comprises the following steps: and acquiring the reliability degree of each address meeting the reference condition as the target address of the target user, and taking the address meeting the reference condition with the highest reliability degree in each address meeting the reference condition as the target address of the target user.

The method for obtaining the reliability degree of each address meeting the reference condition as the target address of the target user may be: for any address meeting the reference condition, counting the times that the address meeting the reference condition is taken as an article delivery address in a reference time period in a reference time range, and taking the times as the reliability degree of the address meeting the reference condition. Here, the reference time range may be set empirically, for example, the reference time range may refer to a time range from a time stamp 30 days from the current time stamp to the current time stamp. The higher the number of times of the item delivery addresses within the reference time range as the reference time period is, the higher the possibility that the address satisfying the reference condition is the target address of the target user is indicated. In this case, the step of setting, as the target address of the target user, the address satisfying the reference condition with the highest degree of reliability among the addresses satisfying the reference condition includes: and taking the address which meets the reference condition and has the highest frequency of being taken as the goods delivery address in the reference time period in the reference time range as the target address of the target user.

According to the step 1 and the step 2, the target address of the target user can be determined. Optionally, after determining the target address of the target user, the server may further analyze historical data of the target user to determine the target time period. And the target time period is a predicted time period when the target user is in the area indicated by the target address. Analyzing the historical data of the target user, and determining the target time period may be: acquiring target data corresponding to a target user from historical data of the target user, wherein the target data carries a timestamp; and taking the target data of which the indicated position is in the area indicated by the target address as target data to be analyzed, and determining a target time period according to a timestamp corresponding to the target data to be analyzed. The target time period may be divided into a first target time period corresponding to a non-working day, a second target time period corresponding to a working day, and the like. Taking the example of determining the second target time period according to the timestamp corresponding to the target data to be analyzed, 00:00-24:00 of a working day is divided into a reference number of time periods, for example, into 24 time periods. Counting the number of time stamps corresponding to the target data to be analyzed falling in each time period, taking the time period of which the number exceeds the threshold value as a candidate time period, and determining a second target time period based on the candidate time period. For example, assuming that the candidate time periods are 21:00-22:00, 22:00-23:00, and 06:00-07:00, 21:00-24:00 and 00:00-07:00 may be taken as the second target time periods.

In step 205, the terminal obtains the real-time location information of the target user and sends the real-time location information of the target user to the server.

The real-time position information is used for indicating the real-time position of the target user. Alternatively, the terminal may acquire real-time location information of the target user based on a GPS (Global Positioning System). The terminal can acquire the real-time position information of the target user once every reference time interval, the reference time interval can be set according to experience, and can also be freely adjusted according to an application scene, and the embodiment of the application is not limited. For example, the reference time interval may be set to 10 seconds.

It should be noted that, after the terminal executes step 201, step 205 may be executed, and the sequence of executing step 205 by the terminal and executing steps 202 to 204 by the server is not limited in this embodiment of the application.

In step 206, the server receives the real-time location information of the target user sent by the terminal; and in response to the real-time position information of the target user being matched with the target address, determining that the target user is in the area indicated by the target address.

After the terminal sends the real-time position information of the target user to the server, the server receives the real-time position information of the target user sent by the terminal. And then judging whether the target user is in the area indicated by the target address or not based on the real-time position information of the target user.

Optionally, the server determines whether the target user is located in the area indicated by the target address based on the real-time location information of the target user in a manner that: and judging whether the real-time position information of the target user is matched with the target address, and determining that the target user is in the area indicated by the target address when the real-time position information of the target user is matched with the target address of the target user in response to the fact that the real-time position information of the target user is matched with the target address of the target user, namely when the real-time position of the target user is matched with the target address of the target user.

Optionally, the process of determining whether the real-time location information of the target user matches the target address may be: and judging whether the real-time position information sent by the terminal is in the area indicated by the target address. If the real-time position information sent by the terminal is in the area indicated by the target address, the real-time position information of the target user is matched with the target address of the target user; and if the real-time position information sent by the terminal is not in the area indicated by the target address, indicating that the real-time position information of the target user is not matched with the target address of the target user.

Optionally, for a case that the server determines the target time period after determining the target address of the target user, the manner of the server determining whether the target user is located in the area indicated by the target address may be: and judging whether the real-time position information of the target user is matched with the target address or not and whether the current timestamp is any timestamp in the target time period or not. And in response to that the real-time position information of the target user is matched with the target address and the current timestamp is any timestamp in the target time period, namely when the real-time position information of the target user is matched with the target address and the current timestamp is any timestamp in the target time period, determining that the target user is in the area indicated by the target address. By the method, the accuracy of the judgment result of judging whether the target user is in the area indicated by the target address can be improved.

In step 207, in response to determining that the target user is in the area indicated by the target address, the server sends a prompt message to the terminal.

When the server determines that the target user is in the area indicated by the target address, the target user can conveniently acquire the card number and other information required by the bank card binding process. At this time, the server sends prompt information to the terminal so that the terminal can display the prompt information. And the prompt message is used for guiding the target user to visit the Bank binding page again.

In step 208, the terminal displays the prompt message sent by the server.

After the server sends the prompt information to the terminal, the terminal receives the prompt information sent by the server and then displays the prompt information. The prompt message is used for guiding the target user to access the bank card binding page again.

Optionally, the prompt information includes recommendation information, and the recommendation information may be the coupon information after the bank card is bound. For example, the interface of the terminal may be as shown in fig. 5, the target user is prompted to access the bank card bound page again by clicking the prompt message in the form of "click to access the bank card bound page again". In addition, recommendation information that the user can enjoy more offers after binding the bank card is also displayed in fig. 5, so as to increase the possibility that the target user accesses the bank card binding page again.

After the terminal displays the prompt message, the terminal can prompt the target user to carry out card binding operation again by triggering the prompt message. When the terminal detects the trigger instruction of the target user to the prompt message, step 209 is executed.

In step 209, the terminal displays the bank card binding page based on the trigger instruction of the target user to the prompt message.

The trigger instruction of the target user for the prompt information may refer to that the target user clicks or touches the prompt information, which is not limited in the embodiment of the present application. The prompt message can include a link address of the bank card binding page, and after the terminal detects a trigger instruction of the target user to the prompt message, the terminal can directly jump to the bank card binding page indicated by the link address, so that the target user can fill information in the bank card binding page.

Optionally, before sending the information processing request to the server, the terminal further obtains information already filled in the bank card binding page of the target user, and the terminal displays the bank card binding page based on a trigger instruction of the target user for the prompt information in a manner that: and the terminal displays the bank card binding page containing the filled information based on the trigger instruction of the target user to the prompt information. By the method, the information filling amount of the target user on the bank card binding page can be reduced, the bank card binding efficiency is improved, and the card binding experience of the target user is improved.

Optionally, when the terminal does not detect the trigger instruction of the target user after displaying the prompt information, it indicates that the target address of the target user determined by the server is incorrect, and/or that the determination result that the server determines whether the target user is located in the area indicated by the target address is incorrect. At the moment, the terminal feeds back the information which is not triggered to the server, so that the server adjusts the mode of subsequently determining the target address according to the information which is not triggered, and/or adjusts the mode of subsequently judging whether the target user is in the area indicated by the target address, so as to improve the accuracy of the determined target address, and/or improve the accuracy of the judgment result of judging whether the target user is in the area indicated by the target address. Optionally, the fact that the terminal does not detect the trigger instruction of the target user after displaying the prompt information may mean that the terminal does not detect the trigger instruction of the target user within a reference time period after displaying the prompt information, or may mean that the terminal detects the close instruction of the target user after displaying the prompt information, which is not limited in the embodiment of the present application. The closing instruction of the target user may refer to that the target user clicks a closing button of the prompt message, and the like.

As shown in fig. 6, the information processing process in the bank card binding process may be that a target user initiates a bank card binding request; the terminal displays a bank card binding page based on the bank card binding request; the terminal judges whether a target instruction of a target user on a bank card binding page is detected; when a target instruction of a target user on a bank card binding page is not detected, the terminal acquires all information input by the target user on the bank card binding page, and the bank card binding process is completed based on all the information; when a target instruction of a target user on a bank card binding page is detected, the terminal sends an information processing request to the server so as to create an asynchronous task for processing information by the server. The server receives an information processing request; acquiring historical data of a target user based on identification information of the target user in the information processing request; determining a target address of a target user based on historical data; and when the target user is determined to be in the area indicated by the target address based on the real-time position information of the target user, sending prompt information to the terminal. And the terminal displays the prompt information, and displays the bank card binding page again for the target user to fill in the information based on a trigger instruction of the target user to the prompt information.

In the embodiment of the application, after detecting a target instruction of a target user on a bank card binding page, the terminal sends an information processing request to a server; the server determines a target address of a target user based on the information processing request, when the target user is determined to be in an area indicated by the target address based on real-time position information of the target user, prompt information is sent to the terminal, and the terminal displays a bank card binding page based on a trigger instruction of the target user to the prompt information. The information processing process can send prompt information to the terminal at a proper time after the target user abnormally exits the bank card binding page, and guide the target user to access the bank card binding page again, so that the terminal can acquire the bank card binding information of the target user in time, and the conversion rate of bank card binding is improved.

Based on the same technical concept, referring to fig. 7, an embodiment of the present application provides an information processing apparatus, including:

the receiving module 701 is used for receiving an information processing request sent by a terminal when detecting that a target user abnormally exits a bank card binding page, wherein the information processing request comprises identification information of the target user, and the information processing request is used for indicating that a bank card binding process of the target user fails;

an obtaining module 702, configured to obtain historical data of a target user based on identification information of the target user;

a determining module 703, configured to determine a target address of the target user based on historical data of the target user;

the receiving module 701 is further configured to receive real-time location information of a target user sent by a terminal;

the determining module 703 is further configured to determine that the target user is located in the area indicated by the target address in response to that the real-time location information of the target user matches the target address;

and the sending module 704 is configured to send, in response to determining that the target user is in the area indicated by the target address, prompt information to the terminal, where the prompt information is used to guide the target user to access the bank card binding page again.

Optionally, referring to fig. 8, the determining module 703 includes:

an obtaining unit 7031, configured to obtain, from history data of a target user, target data corresponding to the target user, where the target data is data used to indicate a position;

determining unit 7032 is configured to analyze the target data and determine a target address of the target user.

Optionally, the target data includes at least one address, and the determining unit 7032 is configured to determine, in response to the address having the target tag existing in the at least one address, a target address of the target user based on the address having the target tag; and in response to the fact that the address with the target label does not exist in the at least one address, acquiring at least one address meeting a reference condition from the at least one address, and determining the target address of the target user based on the at least one address meeting the reference condition.

Optionally, the determining unit 7032 is configured to, for any address in the at least one address, in response to that any address is an article distribution address in a reference time period, take any address as any address meeting a reference condition, where the reference time period includes a full-day time period of a non-working day and a specified time period of a working day; and acquiring the reliability degree of each address meeting the reference condition as the target address of the target user, and taking the address meeting the reference condition with the highest reliability degree in each address meeting the reference condition as the target address of the target user.

Optionally, the determining module 703 is further configured to analyze historical data of the target user, and determine a target time period, where the target time period is a predicted time period when the target user is located in the area indicated by the target address; and in response to the fact that the real-time position information of the target user is matched with the target address and the current timestamp is any timestamp in the target time period, determining that the target user is in the area indicated by the target address.

Based on the same technical concept, referring to fig. 9, an embodiment of the present application provides an information processing apparatus, including:

a sending module 901, configured to send an information processing request to a server in response to detecting a target instruction of a target user on a bank card binding page, where the information processing request includes identification information of the target user, the target instruction is used to indicate that the target user abnormally exits the bank card binding page, and the information processing request is used to indicate that a bank card binding process of the target user fails;

an obtaining module 902, configured to obtain real-time location information of a target user;

the sending module 901 is further configured to send the real-time location information of the target user to the server;

the display module 903 is used for displaying prompt information sent by the server, wherein the prompt information is used for guiding a target user to access the bank card binding page again;

the display module 903 is further configured to display a bank card binding page based on a trigger instruction of the target user for the prompt information.

Optionally, the obtaining module 902 is further configured to obtain filled-in information of the target user on the bank card binding page;

the display module 903 is further configured to display a bank card binding page including filled-in information based on a trigger instruction of the target user for the prompt information.

It should be noted that, when the apparatus provided in the foregoing embodiment implements the functions thereof, only the division of the functional modules is illustrated, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the apparatus may be divided into different functional modules to implement all or part of the functions described above. In addition, the apparatus and method embodiments provided by the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Fig. 10 is a schematic structural diagram of an information Processing apparatus according to an embodiment of the present application, where the apparatus may be a server, and the server may generate a relatively large difference due to a difference in configuration or performance, and may include one or more processors (CPUs) 1001 and one or more memories 1002, where at least one program code is stored in the one or more memories 1002, and the at least one program code is loaded and executed by the one or more processors 1001 to implement the information Processing method according to the method embodiments described above. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

Fig. 11 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present application. The device may be a terminal, and may be, for example: a smart phone, a tablet computer, an MP3 player (Moving Picture Experts Group audio Layer III, motion Picture Experts compression standard audio Layer 3), an MP4 player (Moving Picture Experts Group audio Layer IV, motion Picture Experts compression standard audio Layer 4), a notebook computer, or a desktop computer. A terminal may also be referred to by other names such as user equipment, portable terminal, laptop terminal, desktop terminal, etc.

Generally, a terminal includes: a processor 1101 and a memory 1102.

Processor 1101 may include one or more processing cores, such as a 4-core processor, an 8-core processor, or the like. The processor 1101 may be implemented in at least one hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 1101 may also include a main processor and a coprocessor, the main processor is a processor for processing data in an awake state, and is also called a Central Processing Unit (CPU); a coprocessor is a low power processor for processing data in a standby state. In some embodiments, the processor 1101 may be integrated with a GPU (Graphics Processing Unit) that is responsible for rendering and rendering content that the display screen needs to display. In some embodiments, the processor 1101 may further include an AI (Artificial Intelligence) processor for processing computing operations related to machine learning.

Memory 1102 may include one or more computer-readable storage media, which may be non-transitory. Memory 1102 can also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 1102 is used to store at least one instruction for execution by processor 1101 to implement the information processing methods provided by the method embodiments of the present application.

In some embodiments, the terminal may further include: a peripheral interface 1103 and at least one peripheral. The processor 1101, memory 1102 and peripheral interface 1103 may be connected by a bus or signal lines. Various peripheral devices may be connected to the peripheral interface 1103 by buses, signal lines, or circuit boards. Specifically, the peripheral device includes: at least one of radio frequency circuitry 1104, touch screen display 1105, camera assembly 1106, audio circuitry 1107, positioning assembly 1108, and power supply 1109.

The peripheral interface 1103 may be used to connect at least one peripheral associated with I/O (Input/Output) to the processor 1101 and the memory 1102. In some embodiments, the processor 1101, memory 1102, and peripheral interface 1103 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1101, the memory 1102 and the peripheral device interface 1103 may be implemented on separate chips or circuit boards, which is not limited by this embodiment.

The Radio Frequency circuit 1104 is used to receive and transmit RF (Radio Frequency) signals, also called electromagnetic signals. The radio frequency circuit 1104 communicates with communication networks and other communication devices via electromagnetic signals. The radio frequency circuit 1104 converts an electric signal into an electromagnetic signal to transmit, or converts a received electromagnetic signal into an electric signal. Optionally, the radio frequency circuit 1104 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and so forth. The radio frequency circuit 1104 may communicate with other terminals via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to: metropolitan area networks, various generation mobile communication networks (2G, 3G, 4G, and 5G), Wireless local area networks, and/or WiFi (Wireless Fidelity) networks. In some embodiments, the rf circuit 1104 may further include NFC (Near Field Communication) related circuits, which are not limited in this application.

The display screen 1105 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display screen 1105 is a touch display screen, the display screen 1105 also has the ability to capture touch signals on or over the surface of the display screen 1105. The touch signal may be input to the processor 1101 as a control signal for processing. At this point, the display screen 1105 may also be used to provide virtual buttons and/or a virtual keyboard, also referred to as soft buttons and/or a soft keyboard. In some embodiments, the display screen 1105 may be one, disposed on the front panel of the terminal; in other embodiments, the display screens 1105 may be at least two, respectively disposed on different surfaces of the terminal or in a folded design; in still other embodiments, the display 1105 may be a flexible display disposed on a curved surface or on a folded surface of the terminal. Even further, the display screen 1105 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The Display screen 1105 may be made of LCD (Liquid Crystal Display), OLED (Organic Light-Emitting Diode), and the like.

Camera assembly 1106 is used to capture images or video. Optionally, camera assembly 1106 includes a front camera and a rear camera. Generally, a front camera is disposed at a front panel of the terminal, and a rear camera is disposed at a rear surface of the terminal. In some embodiments, the number of the rear cameras is at least two, and each rear camera is any one of a main camera, a depth-of-field camera, a wide-angle camera and a telephoto camera, so that the main camera and the depth-of-field camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize panoramic shooting and VR (Virtual Reality) shooting functions or other fusion shooting functions. In some embodiments, camera assembly 1106 may also include a flash. The flash lamp can be a monochrome temperature flash lamp or a bicolor temperature flash lamp. The double-color-temperature flash lamp is a combination of a warm-light flash lamp and a cold-light flash lamp, and can be used for light compensation at different color temperatures.

The audio circuitry 1107 may include a microphone and a speaker. The microphone is used for collecting sound waves of a user and the environment, converting the sound waves into electric signals, and inputting the electric signals to the processor 1101 for processing or inputting the electric signals to the radio frequency circuit 1104 to achieve voice communication. For the purpose of stereo sound collection or noise reduction, a plurality of microphones can be arranged at different parts of the terminal respectively. The microphone may also be an array microphone or an omni-directional pick-up microphone. The speaker is used to convert electrical signals from the processor 1101 or the radio frequency circuit 1104 into sound waves. The loudspeaker can be a traditional film loudspeaker or a piezoelectric ceramic loudspeaker. When the speaker is a piezoelectric ceramic speaker, the speaker can be used for purposes such as converting an electric signal into a sound wave audible to a human being, or converting an electric signal into a sound wave inaudible to a human being to measure a distance. In some embodiments, the audio circuitry 1107 may also include a headphone jack.

The positioning component 1108 is used to locate the current geographic Location of the terminal to implement navigation or LBS (Location based service). The positioning component 1108 may be a positioning component based on the united states GPS (Global positioning system), the chinese beidou system, the russian graves system, or the european union's galileo system.

The power supply 1109 is used to supply power to the various components in the terminal. The power supply 1109 may be alternating current, direct current, disposable or rechargeable. When the power supply 1109 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the terminal also includes one or more sensors 1110. The one or more sensors 1110 include, but are not limited to: acceleration sensor 1111, gyro sensor 1112, pressure sensor 1113, fingerprint sensor 1114, optical sensor 1115, and proximity sensor 1116.

The acceleration sensor 1111 may detect the magnitude of acceleration on three coordinate axes of a coordinate system established with the terminal. For example, the acceleration sensor 1111 may be configured to detect components of the gravitational acceleration in three coordinate axes. The processor 1101 may control the touch display screen 1105 to display a user interface in a landscape view or a portrait view according to the gravitational acceleration signal collected by the acceleration sensor 1111. The acceleration sensor 1111 may also be used for acquisition of motion data of a game or a user.

The gyro sensor 1112 may detect a body direction and a rotation angle of the terminal, and the gyro sensor 1112 may cooperate with the acceleration sensor 1111 to acquire a 3D motion of the user with respect to the terminal. From the data collected by gyroscope sensor 1112, processor 1101 may implement the following functions: motion sensing (such as changing the UI according to a user's tilting operation), image stabilization at the time of photographing, game control, and inertial navigation.

The pressure sensor 1113 may be disposed on the side bezel of the terminal and/or on the lower layer of the touch display screen 1105. When the pressure sensor 1113 is arranged on the side frame of the terminal, a holding signal of a user to the terminal can be detected, and the processor 1101 performs left-right hand identification or shortcut operation according to the holding signal collected by the pressure sensor 1113. When the pressure sensor 1113 is disposed at the lower layer of the touch display screen 1105, the processor 1101 controls the operability control on the UI interface according to the pressure operation of the user on the touch display screen 1105. The operability control comprises at least one of a button control, a scroll bar control, an icon control and a menu control.

The fingerprint sensor 1114 is configured to collect a fingerprint of the user, and the processor 1101 identifies the user according to the fingerprint collected by the fingerprint sensor 1114, or the fingerprint sensor 1114 identifies the user according to the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the user is authorized by the processor 1101 to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. The fingerprint sensor 1114 may be disposed on the front, back, or side of the terminal. When a physical key or a vendor Logo is provided on the terminal, the fingerprint sensor 1114 may be integrated with the physical key or the vendor Logo.

Optical sensor 1115 is used to collect ambient light intensity. In one embodiment, the processor 1101 may control the display brightness of the touch display screen 1105 based on the ambient light intensity collected by the optical sensor 1115. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1105 is increased; when the ambient light intensity is low, the display brightness of the touch display screen 1105 is turned down. In another embodiment, processor 1101 may also dynamically adjust the shooting parameters of camera assembly 1106 based on the ambient light intensity collected by optical sensor 1115.

A proximity sensor 1116, also referred to as a distance sensor, is typically provided on the front panel of the terminal. The proximity sensor 1116 is used to capture the distance between the user and the front face of the terminal. In one embodiment, the touch display screen 1105 is controlled by the processor 1101 to switch from a bright screen state to a dark screen state when the proximity sensor 1116 detects that the distance between the user and the front face of the terminal is gradually decreasing; when the proximity sensor 1116 detects that the distance between the user and the front face of the terminal gradually becomes larger, the touch display screen 1105 is controlled by the processor 1101 to switch from the breath-screen state to the bright-screen state.

Those skilled in the art will appreciate that the configuration shown in fig. 11 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components may be used.

In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one program code stored therein. The at least one program code is loaded and executed by one or more processors to implement any of the above-described information processing methods.

In an exemplary embodiment, there is also provided a computer-readable storage medium having at least one program code stored therein, the at least one program code being loaded and executed by a processor of a computer device to implement any of the above-described information processing methods.

Alternatively, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The above description is only exemplary of the present application and should not be taken as limiting the present application, and any modifications, equivalents, improvements and the like that are made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. An information processing method, characterized in that the method comprises:

receiving real-time position information of the target user, which is sent by the terminal; in response to the real-time location information of the target user matching the target address, determining that the target user is in an area indicated by the target address;

2. The method of claim 1, wherein determining the target address of the target user based on the historical data of the target user comprises:

3. The method of claim 2, wherein the target data includes at least one address, and wherein analyzing the target data to determine the target address of the target user comprises:

4. The method according to claim 3, wherein said obtaining at least one address satisfying a reference condition from the at least one address comprises:

5. The method of any of claims 1-4, wherein after determining the target address of the target user, the method further comprises:

6. An information processing method, characterized in that the method comprises:

displaying prompt information sent by the server, wherein the prompt information is used for guiding the target user to access the bank card binding page again;

7. The method of claim 6, wherein prior to sending the information processing request to the server, the method further comprises:

acquiring filled information of the target user on the bank card binding page;

8. An information processing apparatus characterized in that the apparatus comprises:

9. An information processing apparatus characterized in that the apparatus comprises:

10. A computer device comprising a processor and a memory, the memory having stored therein at least one program code, the at least one program code being loaded and executed by the processor to implement the information processing method according to any one of claims 1 to 5 or the information processing method according to any one of claims 6 to 7.

11. A computer-readable storage medium, characterized in that at least one program code is stored therein, which is loaded and executed by a processor, to implement the information processing method according to any one of claims 1 to 5, or the information processing method according to any one of claims 6 to 7.