CN111898025A - Message pushing method and device, readable storage medium and computing equipment - Google Patents

Message pushing method and device, readable storage medium and computing equipment Download PDF

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CN111898025A
CN111898025A CN202010756335.1A CN202010756335A CN111898025A CN 111898025 A CN111898025 A CN 111898025A CN 202010756335 A CN202010756335 A CN 202010756335A CN 111898025 A CN111898025 A CN 111898025A
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CN111898025B (en
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朱晓彬
郑平平
姜海涌
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Beijing Koudaicaifu Information Technology Co ltd
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Abstract

The invention discloses a message pushing method, a message pushing device, a readable storage medium and a computing device, wherein the message pushing method comprises the following steps: establishing a data map according to historical data of a user; acquiring current operation data and historical data of a target user according to the data map; judging whether the current operation data accords with a message pushing condition, if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed. According to the invention, cross section and time sequence analysis is carried out on time-weighted position taking quantity through analysis of consultation behaviors and transaction behaviors of users of financial products, so that the occurrence probability of user consultation is rapidly quantized, personalized and targeted services are provided for the users by combining with an active intervention strategy, and the efficiency and quality of the services can be effectively improved.

Description

Message pushing method and device, readable storage medium and computing equipment
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a message pushing method, an apparatus, a readable storage medium, and a computing device.
Background
In the financial process of a user, various suspicions may exist and need professional financiers and customer service to answer, but the number of the professional financiers and customer service is limited, so that the current mainstream method is to use nlp and other technologies to assist in answering in a questioning and answering robot, the workload of the financiers and the customer service is reduced, and the method is a main means for improving the working efficiency of the customer service in the current internet industry.
However, in the financial field, the professional expertise has high requirements on professional knowledge, the financial investment consultant needs to provide specialized and targeted services, the industry only provides problem solution services before a user purchases a financial product, only provides passive services after the user purchases the financial product, does not provide a client service of active services, does not actively establish a trust relationship with a client, does not care about the psychological fluctuation generated by the user seeing market changes in the process of holding the financial product, and provides rational intervention services when the client emotion fluctuates.
Disclosure of Invention
In order to solve at least one of the above technical problems, the present disclosure provides a message pushing method, a message pushing apparatus, a readable storage medium, and a computing device.
In a first aspect, the present invention provides a message pushing method, where the message pushing method includes:
establishing a data map according to historical data of a user;
acquiring current operation data and historical data of a target user according to the data map;
judging whether the current operation data accords with a message pushing condition, if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
Optionally, the establishing a data map according to the historical data of the user includes:
according to the historical data of the user, constructing a first mapping between the user and the transaction data and consultation data;
acquiring a position-taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and constructing a second mapping between the user and the position taking consultation quantity index according to the position taking consultation quantity index.
Optionally, obtaining a position-taking consultation amount index of the user according to the transaction data and the consultation data of the user, including:
calculating the position-taking consultation amount index of the user through a formula according to the transaction data and the consultation data of the user, wherein the formula is as follows:
St＝α×yt+(1-α)St-1
Figure BDA0002611699460000021
wherein S istIs the index of the taken-in consultation amount of the user on the t day, alpha is a coefficient, ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
Optionally, judging whether the current operation data meets a message pushing condition, if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed, which comprises the following steps:
calculating the current position-taking consultation amount index of the target user according to the current operation data;
judging whether the current position taking consultation quantity index is in a floating range of the position taking consultation quantity index, if so, not processing the target user; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
In a second aspect, the present invention provides a message pushing apparatus, including: the system comprises a map building module, a data monitoring module and a message pushing module, wherein,
the map building module is used for building a data map according to historical data of a user;
the data monitoring module is used for acquiring current operation data and historical data of a target user according to the data map;
the message pushing module is used for judging whether the current operation data meets a message pushing condition or not, and if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
Optionally, the map building module comprises: a basis establishing unit, an index calculating unit and a composite establishing unit, wherein,
the basic establishing unit is used for establishing a first mapping among the user, the transaction data and the consultation data according to the historical data of the user;
the index calculation unit is used for obtaining the position taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and the composite establishing unit is used for establishing a second mapping between the user and the position taking consultation amount index according to the position taking consultation amount index.
Optionally, the index calculating unit is specifically configured to calculate a position taken consultation amount index of the user according to the transaction data and the consultation data of the user by using a formula, where the formula is:
St＝α×yt+(1-α)St-1
Figure BDA0002611699460000031
wherein S istIs the index of the taken-in consultation amount of the user on the t day, alpha is a coefficient, ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
Optionally, the index calculating unit is further configured to calculate a current position-taken consultation amount index of the target user according to the current operation data;
the message pushing module is specifically used for judging whether the current position taking consultation quantity index is within a floating range of the position taking consultation quantity index, and if so, the target user is not processed; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
In a third aspect, the present invention provides a readable storage medium having executable instructions thereon that, when executed, cause a computer to perform the operations as comprised in the first aspect.
In a fourth aspect, a computing device, comprising: one or more processors, memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors to perform the operations included in the first aspect.
Compared with the prior art, the invention has at least the following beneficial effects:
according to the invention, cross section and time sequence analysis is carried out on time-weighted position taking quantity through analysis of consultation behaviors and transaction behaviors of users of financial products, so that the occurrence probability of user consultation is rapidly quantized, personalized and targeted services are provided for the users by combining with an active intervention strategy, and the efficiency and quality of the services can be effectively improved.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a flowchart illustrating a message pushing method according to an embodiment of the present invention;
fig. 2 is a block diagram of a message pushing apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer and more complete, the technical solutions in the embodiments of the present invention will be described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention, and based on the embodiments of the present invention, all other embodiments obtained by a person of ordinary skill in the art without creative efforts belong to the scope of the present invention.
As shown in fig. 1, an embodiment of the present invention provides a message pushing method, where the message pushing method includes:
establishing a data map according to historical data of a user;
acquiring current operation data and historical data of a target user according to the data map;
judging whether the current operation data accords with a message pushing condition, if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
In the embodiment, the data map is established through the analysis of the historical data of the user group, and the personalized and targeted service is provided for the user by combining the active intervention strategy, so that the efficiency and the quality of the service can be effectively improved.
In an embodiment of the present invention, the establishing a data map according to the historical data of the user includes:
according to the historical data of the user, constructing a first mapping between the user and the transaction data and consultation data;
acquiring a position-taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and constructing a second mapping between the user and the position taking consultation quantity index according to the position taking consultation quantity index.
In this embodiment, various operation behaviors of the financial user in the financial process, such as consultation behavior and transaction behavior, generate a large amount of user data, including transaction data, consultation data and the like. Transaction data includes purchases, redemption and warehousing. The counseling data includes counseling contents and counseling times. When the user base number reaches a certain number, the number is generally 2 ten thousand, the rule generated by the user data follows power law distribution, and the probability of the next step of the user can be accurately predicted according to the analysis of the characteristics of the power law distribution. The invention creatively provides a position-taking consultation quantity index (different user consultation quantities under different position-taking states, the position-taking state comprises first purchase, second purchase and the like) by combining financial user transaction and consultation behavior characteristics, predicts the next action of the user, monitors and summarizes in real time through a data map, and actively pushes corresponding contents concerned by the user, thereby playing the effect of communicating and solving confusion with the user in advance, reducing customer service passive services and improving the operation efficiency.
The data map is defined by two layers, the first layer is a basic map, and the data map is constructed by collecting and cleaning historical data of a user (the cleaning aims at keeping effective data and removing ineffective data, for example, the user stays within 2 seconds of page time, repeated operation occurs within 1 second, data is not collected according to set dimensionality, dimensionality is lacked, orders are placed and cancelled, balance is insufficient, payment cannot be carried out, transaction is not completed, and the like), carrying out statistical verification. The second layer is a composite map, and the real-time intervention is performed on the user by combining the position taking consultation quantity index with the pushing strategy based on the first layer map.
As in the example given in Table 1, valid transaction data is retained after invalid transaction data is removed.
TABLE 1
Date of transaction Type of transaction Financing product Purchase amount/redemption ratio
2017-11-03 Opening an account -- --
2017-11-04 Purchasing A 20000
2017-11-04 Purchasing B 10000
2017-11-13 Purchasing B 5000
2017-11-21 Redeem A 50％
2017-11-30 Purchasing B 9500
2017-12-02 Purchasing B 10000
2017-12-09 Purchasing B 9000
2018-02-11 Redeem B 100％
For the advisory data generated by the advisory behavior, the advisory problem of the user and the financial product APP give corresponding feedback, and the problem of the user is that the financial product APP cannot be identified, which are all invalid advisory data, such as 111, aaa, and so on. As in the example given in table 2, the valid advisory data that remains after the invalid advisory data is removed.
TABLE 2
Date of consultation Type of consultation Corresponding service
2017-11-03 Transaction security Introduction to safety endorsement
2017-11-03 Commission fee Preferential strategies
2017-11-25 Redeeming the Account time Fund goldTransaction rules
In this embodiment, the trading behaviors such as first purchase, second purchase, first redemption and clearing are defined in combination with the financing scenario, and the consulting behaviors are defined in two layers, as an example given in table 3.
TABLE 3
Figure BDA0002611699460000071
In one embodiment of the invention, the obtaining of the position-taking consultation amount index of the user according to the transaction data and the consultation data of the user comprises the following steps:
calculating the position-taking consultation amount index of the user through a formula according to the transaction data and the consultation data of the user, wherein the formula is as follows:
St＝α×yt+(1-α)St-1
Figure BDA0002611699460000072
wherein S istThe index of the taken-in-position consultation amount of the user on the t day, alpha is a coefficient and is valued within 0-1, and ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
In this embodiment, the time after the first purchase is taken as the starting date, that is, the first purchase date t takes a value of 1. And combining the operation data of the user to form daily position-holding fund amount, carrying out time weighting on the daily position-holding fund amount, carrying out secondary weighting on the position-holding change rate weight through the consulting amount, amplifying the consulting behavior, and conveniently identifying the user data with the operation behavior.
In one embodiment of the present invention, it is determined whether the current operation data meets a message pushing condition, and if yes, a message is pushed to the target user according to a preset pushing policy; otherwise, the target user is not processed, which comprises the following steps:
calculating the current position-taking consultation amount index of the target user according to the current operation data;
judging whether the current position taking consultation quantity index is in a floating range of the position taking consultation quantity index, if so, not processing the target user; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
In the embodiment, when a certain user has an operation behavior to generate current operation data, so that the data in the data map changes, the user is taken as a target user, historical data of the target user is extracted according to a first mapping, a current position holding consultation quantity index of the target user is calculated according to the current operation data and the historical data, a position holding consultation quantity index of the target user is determined according to a second mapping, a floating threshold value can be set according to actual conditions, and if the threshold value is Y (-1, 1), whether the current position holding consultation quantity index of the target user is within a range of (position holding consultation quantity index-1, position holding consultation quantity index +1) is judged. And setting a push strategy according to the actual situation. Such as: whether safety-related content is pushed within the last month or not, if not, intervention action is carried out, the corresponding intervention content is pushed to a user through a PUSH central control platform (one or more of PUSH, short message, voice telephone, manual telephone, APP inner popup window, APP inner PUSH article, PUSH audio link and PUSH video link), and a PUSH strategy can be mapped with the user. As in the example given in table 4.
TABLE 4
Policy name First order classification Two stage classification Intervention content Intervention channel Effective period of intervention Number of repetitions
Safe answering Trading Security xxxx Video linking 36 hours 2
.......... .......... .......... .......... .......... .......... ..........
.......... .......... .......... .......... .......... .......... ..........
As shown in fig. 2, the present invention provides a message pushing apparatus, including: the system comprises a map building module, a data monitoring module and a message pushing module, wherein,
the map building module is used for building a data map according to historical data of a user;
the data monitoring module is used for acquiring current operation data and historical data of a target user according to the data map;
the message pushing module is used for judging whether the current operation data meets a message pushing condition or not, and if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
In one embodiment of the present invention, the map building module comprises: a basis establishing unit, an index calculating unit and a composite establishing unit, wherein,
the basic establishing unit is used for establishing a first mapping among the user, the transaction data and the consultation data according to the historical data of the user;
the index calculation unit is used for obtaining the position taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and the composite establishing unit is used for establishing a second mapping between the user and the position taking consultation amount index according to the position taking consultation amount index.
In an embodiment of the present invention, the index calculating unit is specifically configured to calculate the index of the position taken consultation amount of the user according to the transaction data and the consultation data of the user by using a formula, where the formula is:
St＝α×yt+(1-α)St-1
Figure BDA0002611699460000091
wherein S istIs the index of the taken-in consultation amount of the user on the t day, alpha is a coefficient, ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
In an embodiment of the present invention, the index calculating unit is further configured to calculate a current position taking consultation amount index of the target user according to the current operation data;
the message pushing module is specifically used for judging whether the current position taking consultation quantity index is within a floating range of the position taking consultation quantity index, and if so, the target user is not processed; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
The information interaction, execution process and other contents between the modules and units in the device are based on the same concept as the method embodiment of the present invention, and specific contents can be referred to the description in the method embodiment of the present invention, and are not described herein again.
It should be understood that the various techniques described herein may be implemented in connection with hardware or software or, alternatively, with a combination of both. Thus, the methods and apparatus of the present invention, or certain aspects or portions thereof, may take the form of program code (i.e., instructions) embodied in tangible media, such as floppy diskettes, CD-ROMs, hard drives, or any other machine-readable storage medium, wherein, when the program is loaded into and executed by a machine, such as a computer, the machine becomes an apparatus for practicing the invention.
In the case of program code execution on programmable computers, the computing device will generally include a processor, a storage medium readable by the processor (including volatile and non-volatile memory and/or storage elements), at least one input device, and at least one output device. Wherein the memory is configured to store program code; the processor is configured to perform the various methods of the present invention according to instructions in the program code stored in the memory.
By way of example, and not limitation, computer readable media may comprise computer storage media and communication media. Computer-readable media includes both computer storage media and communication media. Computer storage media store information such as computer readable instructions, data structures, program modules or other data. Communication media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave or other transport mechanism and includes any information delivery media. Combinations of any of the above are also included within the scope of computer readable media.
It should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the invention and aiding in the understanding of one or more of the various inventive aspects. However, the method of the invention should not be construed to reflect the intent: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing inventive embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.
Those skilled in the art will appreciate that the modules or units or components of the apparatus in the examples invented herein may be arranged in an apparatus as described in this embodiment or alternatively may be located in one or more apparatuses different from the apparatus in this example. The modules in the foregoing examples may be combined into one module or may be further divided into multiple sub-modules.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features of the invention in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so invented, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature of the invention in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the following claims, any of the claimed embodiments may be used in any combination.
Furthermore, some of the described embodiments are described herein as a method or combination of method elements that can be performed by a processor of a computer system or by other means of performing the described functions. A processor having the necessary instructions for carrying out the method or method elements thus forms a means for carrying out the method or method elements. Further, the elements of the apparatus embodiments described herein are examples of the following apparatus: the apparatus is used to implement the functions performed by the elements for the purpose of carrying out the invention.
As used herein, unless otherwise specified the use of the ordinal adjectives "first", "second", "third", etc., to describe a common object, merely indicate that different instances of like objects are being referred to, and are not intended to imply that the objects so described must be in a given sequence, either temporally, spatially, in ranking, or in any other manner.
While the invention has been described with respect to a limited number of embodiments, those skilled in the art, having benefit of this description, will appreciate that other embodiments can be devised which do not depart from the scope of the invention as described herein. Furthermore, it should be noted that the language used in the specification has been principally selected for readability and instructional purposes, and may not have been selected to delineate or circumscribe the inventive subject matter. Accordingly, many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the appended claims. The present invention is to be considered as illustrative and not restrictive in character, with the scope of the invention being indicated by the appended claims.

Claims (10)

1. A message pushing method is characterized by comprising the following steps:
establishing a data map according to historical data of a user;
acquiring current operation data and historical data of a target user according to the data map;
judging whether the current operation data accords with a message pushing condition, if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
2. The message pushing method according to claim 1, wherein the establishing a data map according to the historical data of the user comprises:
according to the historical data of the user, constructing a first mapping between the user and the transaction data and consultation data;
acquiring a position-taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and constructing a second mapping between the user and the position taking consultation quantity index according to the position taking consultation quantity index.
3. The message pushing method according to claim 2, wherein obtaining the index of the position taken consultation amount of the user according to the transaction data and the consultation data of the user comprises:
calculating the position-taking consultation amount index of the user through a formula according to the transaction data and the consultation data of the user, wherein the formula is as follows:
St＝α×yt+(1-α)St-1
Figure FDA0002611699450000011
wherein S istIs the index of the taken-in consultation amount of the user on the t day, alpha is a coefficient, ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
4. The message pushing method according to claim 2, wherein it is determined whether the current operation data meets a message pushing condition, and if so, the message is pushed to the target user according to a preset pushing policy; otherwise, the target user is not processed, which comprises the following steps:
calculating the current position-taking consultation amount index of the target user according to the current operation data;
judging whether the current position taking consultation quantity index is in a floating range of the position taking consultation quantity index, if so, not processing the target user; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
5. A message push apparatus, characterized in that the message push apparatus comprises: the system comprises a map building module, a data monitoring module and a message pushing module, wherein,
the map building module is used for building a data map according to historical data of a user;
the data monitoring module is used for acquiring current operation data and historical data of a target user according to the data map;
the message pushing module is used for judging whether the current operation data meets a message pushing condition or not, and if so, pushing a message to the target user according to a preset pushing strategy; otherwise, the target user is not processed.
6. The message pushing apparatus according to claim 5, wherein the map building module comprises: a basis establishing unit, an index calculating unit and a composite establishing unit, wherein,
the basic establishing unit is used for establishing a first mapping among the user, the transaction data and the consultation data according to the historical data of the user;
the index calculation unit is used for obtaining the position taking consultation amount index of the user according to the transaction data and the consultation data of the user;
and the composite establishing unit is used for establishing a second mapping between the user and the position taking consultation amount index according to the position taking consultation amount index.
7. The message pushing apparatus according to claim 6, wherein the index calculating unit is specifically configured to calculate the index of the consulting amount of taken position of the user according to the transaction data and the consulting data of the user by using a formula, where the formula is:
St＝α×yt+(1-α)St-1
Figure FDA0002611699450000031
wherein S istIs the index of the taken-in consultation amount of the user on the t day, alpha is a coefficient, ytConsult weight for taken position of the user on day t, qtNumber of consultations, R, for the user on day ttIs ((taken position of the user on day t-taken position of the user on day (t-1))/taken position of the user on day (t-1)).
8. The message pushing apparatus according to claim 6, wherein the index calculating unit is further configured to calculate a current position-taking consultation volume index of the target user according to the current operation data;
the message pushing module is specifically used for judging whether the current position taking consultation quantity index is within a floating range of the position taking consultation quantity index, and if so, the target user is not processed; otherwise, message pushing is carried out on the target user according to a preset pushing strategy.
9. A readable storage medium having executable instructions thereon that, when executed, cause a computer to perform the operations included in any of claims 1-4.
10. A computing device, comprising: one or more processors, memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors to perform the operations included in any of claims 1-4.
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