CN112258225A

CN112258225A - Electronic ticket issuing method, device, equipment and computer readable storage medium

Info

Publication number: CN112258225A
Application number: CN202011122642.0A
Authority: CN
Inventors: 黄蓝天; 卢道和; 陈朝亮; 黄叶飞
Original assignee: WeBank Co Ltd
Current assignee: WeBank Co Ltd
Priority date: 2020-10-19
Filing date: 2020-10-19
Publication date: 2021-01-22

Abstract

The invention discloses an electronic ticket issuing method, which comprises the following steps: if the issuing request of the electronic ticket is detected, determining an issuing object of the electronic ticket, and acquiring financial accounts of the issuing object, wherein the number of the financial accounts at least comprises two; acquiring a preference reference value of each financial account and first parameter information of each financial account, and calculating the preference of each financial account based on each first parameter information and each preference reference value; and determining a target account of the electronic ticket based on each preference degree, and issuing the electronic ticket to the target account. The invention also discloses an electronic ticket issuing device, electronic ticket issuing equipment and a computer readable storage medium. When the electronic ticket is issued, the invention predicts the higher probability of which financial account is used by the issuing object by calculating the preference degree of the issuing object to each financial account, and issues the electronic ticket to the financial account, thereby improving the issuing accuracy of the electronic ticket.

Description

Electronic ticket issuing method, device, equipment and computer readable storage medium

Technical Field

The invention relates to the technical field of financial technology (Fintech), in particular to an electronic ticket issuing method, device, equipment and computer readable storage medium.

Background

In recent years, with the development of financial technology (Fintech), particularly internet finance, data processing technology has been introduced into daily services of financial institutions such as banks. In the daily service process of financial institutions such as banks and the like, in order to attract users to use financial products such as loans and the like, electronic coupons such as free coupons of loans and the like are often issued to financial accounts of the users, and nowadays, along with the increase of the demand of the users on the financial products, if a single loan limit cannot meet the actual demand of the users, a plurality of limits and the like need to be applied to a plurality of sponsors (fund providers), so that the users generally have more than one financial account (each sponsor corresponds to one financial account), therefore, under the condition that the users have a plurality of financial accounts, how to correctly issue the electronic coupons to the financial accounts actually needed by the users is a technical problem which needs to be solved by the financial institutions such as banks and the like.

In the prior art, in order to solve the above problems, a first way is to select an owner to issue when a user receives an electronic coupon, and then the owner uses the electronic coupon when consuming and withdrawing the electronic coupon; the second mode is that the electronic coupon is firstly issued to a coupon package of a user, and then the user goes to the coupon package to select a corresponding sponsor when using the electronic coupon, and then uses the coupon; the third mode is to select the electronic coupon when the cash register is used for payment, and the use scene is limited, so that the electronic coupon can be used only under the condition that the cash register can be used.

Therefore, in any mode, only the selection of the user is realized, and under the condition that the user has a plurality of financial accounts, the electronic coupons cannot be automatically and accurately issued to the financial accounts actually required by the user by financial institutions such as banks and the like.

Disclosure of Invention

The invention mainly aims to provide an electronic ticket issuing method, device, equipment and computer readable storage medium, aiming at realizing accurate issuing of electronic tickets.

In order to achieve the above object, the present invention provides an electronic ticket issuing method, including the steps of:

if the issuing request of the electronic ticket is detected, determining an issuing object of the electronic ticket, and acquiring financial accounts of the issuing object, wherein the number of the financial accounts at least comprises two;

acquiring a preference reference value of each financial account and first parameter information of each financial account, and calculating the preference of each financial account based on each first parameter information and each preference reference value;

and determining a target account of the electronic ticket based on each preference degree, and issuing the electronic ticket to the target account.

Preferably, before the step of determining an issue object of the electronic ticket and acquiring a financial account of the issue object when the issue request of the electronic ticket is detected, the electronic ticket issue method further includes:

acquiring second parameter information of each financial account, wherein each second parameter information at least comprises interest rate and use frequency;

determining a first like coefficient for each of the financial accounts based on each of the interest rates, and determining a second like coefficient for each of the financial accounts based on each of the usage frequencies;

and calculating the preference reference value of each financial account based on each first preference coefficient, each second preference coefficient and each second parameter information.

Preferably, the step of determining a first like coefficient for each financial account based on each interest rate comprises:

comparing each interest rate with a preset critical interest rate in sequence;

if the current interest rate is not greater than the preset critical interest rate, acquiring a first formula corresponding to the preset critical interest rate, and determining a first coefficient of the financial account corresponding to the current interest rate based on the current interest rate and the first formula;

if the current interest rate is larger than the preset critical interest rate, acquiring a second formula corresponding to the preset critical interest rate, and determining a second coefficient of the financial account corresponding to the current interest rate based on the current interest rate and the second formula;

wherein the first preference coefficient includes a first coefficient or a second coefficient.

Preferably, the step of determining the second preference factor of each financial account based on each usage frequency comprises:

comparing each using frequency with a preset critical frequency in sequence;

if the current use frequency is not greater than the preset critical frequency, acquiring a third formula corresponding to the preset critical frequency, and determining a third coefficient of the financial account corresponding to the current use frequency based on the current use frequency and the third formula;

if the current use frequency is greater than the preset critical frequency, acquiring a fourth formula corresponding to the preset critical frequency, and determining a fourth coefficient of the financial account corresponding to the current use frequency based on the first preference coefficient and the fourth formula;

wherein the second preference factor includes a third factor or a fourth factor.

Preferably, each piece of second parameter information includes interest rate, usage frequency, historical credit, historical used electronic ticket quantity and historical remaining electronic ticket quantity, and the step of calculating the preference reference value of each financial account based on each first preference coefficient, each second preference coefficient and each piece of second parameter information includes:

calculating a ticket usage frequency for each of the financial accounts based on each of the usage frequencies and each of the historical used electronic ticket amounts;

calculating a ticket usage demand value for each of the financial accounts based on each of the historical amounts of used electronic tickets and each of the historical amounts of remaining electronic tickets;

and calculating preference reference values of the financial accounts based on the use frequency of each coupon, the use requirement values of each coupon, the interest rates, the historical quota, the first preference coefficients and the second preference coefficients.

Preferably, before the step of calculating the preference reference value of each financial account based on each of the frequency of use of the ticket, each of the required value of use of the ticket, each of the interest rates, each of the historical credit lines, each of the first preference factor and each of the second preference factor, the electronic ticket issuing method further includes:

acquiring a historical financial account corresponding to the electronic ticket, and determining the maximum amount of the historical financial account and the highest interest rate of the historical financial account;

the step of calculating the preference reference value of each financial account based on each usage frequency of the ticket, each usage requirement value of the ticket, each interest rate, each historical quota, each first preference coefficient and each second preference coefficient includes:

and calculating preference reference values of the financial accounts based on the maximum amount, the maximum interest rate, the use frequency of each coupon, the use requirement value of each coupon, each interest rate, each historical amount, each first preference coefficient and each second preference coefficient.

Preferably, the step of obtaining the preference benchmark value of each financial account includes:

and calculating a preference reference value of each financial account based on each first preference coefficient, each second preference coefficient and each second parameter information, and acquiring the preference reference value.

Preferably, the first parameter information includes a current remaining amount and a current remaining number of electronic tickets, and the step of calculating the preference of each financial account based on each first parameter information and each preference reference value includes:

and acquiring a preference formula of each financial account, and substituting each current surplus limit, each current surplus electronic ticket quantity and each preference reference value into each preference formula to calculate the preference of each financial account.

Further, in order to achieve the above object, the present invention provides an electronic ticket issuing apparatus including:

the detection acquisition module is used for determining an issuing object of the electronic ticket and acquiring financial accounts of the issuing object if an issuing request of the electronic ticket is detected, wherein the number of the financial accounts at least comprises two;

the acquisition and calculation module is used for acquiring a preference benchmark value of each financial account and first parameter information of each financial account and calculating the preference degree of each financial account based on each first parameter information and each preference benchmark value;

and the confirming and issuing module is used for confirming the target account of the electronic ticket based on each preference degree and issuing the electronic ticket to the target account.

Preferably, the obtaining calculation module is further configured to:

comparing each interest rate with a preset critical interest rate in sequence;

Preferably, the obtaining calculation module is further configured to:

comparing each using frequency with a preset critical frequency in sequence;

Preferably, each piece of second parameter information includes interest rate, usage frequency, historical quota, historical used electronic ticket quantity and historical remaining electronic ticket quantity, and the obtaining and calculating module is further configured to:

Preferably, the obtaining calculation module is further configured to:

the obtaining and calculating module is further configured to calculate a preference benchmark value for each financial account based on the maximum amount, the maximum interest rate, the usage frequency of each ticket, the usage requirement value of each ticket, each interest rate, each historical amount, each first preference coefficient, and each second preference coefficient.

Preferably, the obtaining calculation module is further configured to:

Preferably, the first parameter information includes a current remaining amount and a current remaining electronic ticket number, and the obtaining and calculating module is further configured to:

Further, to achieve the above object, the present invention also provides an electronic ticket issuing apparatus including: a memory, a processor and an electronic ticket issuing program stored on the memory and operable on the processor, the electronic ticket issuing program, when executed by the processor, implementing the steps of the electronic ticket issuing method as described above.

Further, to achieve the above object, the present invention also provides a computer-readable storage medium having stored thereon an electronic-ticket issuing program which, when executed by a processor, realizes the steps of the electronic-ticket issuing method as described above.

According to the electronic ticket issuing method, if an issuing request of the electronic ticket is detected, an issuing object of the electronic ticket is determined, and financial accounts of the issuing object are obtained, wherein the number of the financial accounts at least comprises two; acquiring a preference reference value of each financial account and first parameter information of each financial account, and calculating the preference of each financial account based on each first parameter information and each preference reference value; and determining a target account of the electronic ticket based on each preference degree, and issuing the electronic ticket to the target account. The invention also discloses an electronic ticket issuing device, electronic ticket issuing equipment and a computer readable storage medium. When the electronic ticket is issued, the invention predicts the higher probability of which financial account is used by the issuing object by calculating the preference degree of the issuing object to each financial account, and issues the electronic ticket to the financial account, thereby improving the issuing accuracy of the electronic ticket.

Drawings

FIG. 1 is a schematic diagram of an apparatus architecture of a hardware operating environment according to an embodiment of the present invention;

fig. 2 is a flowchart illustrating an electronic ticket issuing method according to a first embodiment of the present invention.

The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.

Detailed Description

It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

As shown in fig. 1, fig. 1 is a schematic device structure diagram of a hardware operating environment according to an embodiment of the present invention.

The device of the embodiment of the invention can be a mobile terminal or a server device.

As shown in fig. 1, the apparatus may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.

Those skilled in the art will appreciate that the configuration of the apparatus shown in fig. 1 is not intended to be limiting of the apparatus and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components.

As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and an electronic ticket issuing program.

The operating system is a program for managing and controlling the electronic ticket issuing equipment and software resources, and supports the operation of a network communication module, a user interface module, the electronic ticket issuing program and other programs or software; the network communication module is used for managing and controlling the network interface 1002; the user interface module is used to manage and control the user interface 1003.

In the electronic ticket issuing apparatus shown in fig. 1, the electronic ticket issuing apparatus calls an electronic ticket issuing program stored in the memory 1005 by the processor 1001 and performs operations in the respective embodiments of the electronic ticket issuing method described below.

Based on the hardware structure, the embodiment of the electronic ticket issuing method is provided.

Referring to fig. 2, fig. 2 is a schematic flow chart of a first embodiment of an electronic ticket issuing method of the present invention, including:

step S10, if the issue request of the electronic ticket is detected, determining the issue object of the electronic ticket, and acquiring the financial account of the issue object, wherein the number of the financial account at least comprises two;

step S20, acquiring a preference reference value of each financial account and first parameter information of each financial account, and calculating a preference degree of each financial account based on each first parameter information and each preference reference value;

step S30, determining a target account of the electronic ticket based on each of the likelihoods, and issuing the electronic ticket to the target account.

The electronic ticket issuing method is applied to electronic ticket issuing equipment of financial institutions such as financial institutions or banks, the electronic ticket issuing equipment can be terminals, robots or PC equipment, and the electronic ticket issuing equipment is short for issuing equipment for convenience in description.

In the actual operation process, financial institutions such as banks serve as intermediary platforms, a user can apply for financial products such as loans to multiple suppliers (fund providers) through the financial institutions such as the banks, the user has financial accounts provided by the multiple suppliers, and for example, the first user applies for two financial products to two suppliers through the financial institutions such as the banks so as to obtain two financial accounts, and the user is similar to a user who owns multiple electronic credit cards.

In order to encourage users to use financial products, financial institutions such as banks and the like usually issue some electronic coupons, such as interest-free coupons of loan products and the like, at this time, because the users have a plurality of accounts, how to issue the electronic coupons to financial accounts more conforming to the expectations of the users is required, so that the users can enjoy corresponding benefits in time when using the financial accounts the next time, and the problem needs to be solved by financial structures such as banks and the like.

In order to solve the above problems, in this embodiment, the preference of the user to each financial account is calculated through an innovative lightweight real-time algorithm, and is used as a judgment basis for representing the financial account that the user is most likely to use next time, so that the electronic ticket is issued to the final target account, and efficient and accurate issuing of the electronic ticket is realized.

The respective steps will be described in detail below:

in this embodiment, if a request for issuing an electronic ticket is detected, the issuing device determines a current issuing object (i.e., a user) of the electronic ticket, and then obtains a financial account of the issuing object, where a trigger condition of the request for issuing the electronic ticket may be set according to an actual situation, for example, the request for issuing the electronic ticket is triggered every fixed time interval, or the request for issuing the electronic ticket is triggered according to historical transaction data of each issuing object, for example, the number of transaction strokes reaches a preset value.

In this embodiment, the number of the financial accounts to be issued includes at least two, and if there is only one, the electronic ticket may be directly issued to the financial account to be issued.

In one embodiment, the step of determining the issuance object of the electronic ticket includes:

and reading the identification information of the electronic ticket, and searching the issued object in a preset database according to the identification information.

That is, the electronic ticket carries directional information, which can be recognized by the issuing device and used for determining to which issuing object the electronic ticket points.

in this embodiment, the issuing device obtains the preference benchmark value and the first parameter information of each financial account, and then calculates the preference of each financial account according to the first parameter information of each financial account and the preference benchmark value of each financial account, where the first parameter information includes the current surplus limit and the current surplus electronic ticket number, that is, the current surplus limit of each financial account and the current surplus electronic ticket number of each financial account.

It can be understood that the current remaining value unit of each financial account decreases with the use of the user, such as the loan value unit, and the remaining value unit of the corresponding financial account decreases with the increase of the user loan; the remaining electronic ticket amount is similar to the remaining electronic ticket amount, and after the user uses the electronic ticket, the remaining electronic ticket amount of the corresponding financial account is also reduced, that is, the remaining amount and the remaining electronic ticket amount are dynamically changed values, so that the current remaining amount and the current remaining electronic ticket amount need to be acquired to ensure that more accurate real-time data is provided when which financial account the user prefers is subsequently judged.

And the preference reference value is a parameter value which is calculated by the issuing equipment according to the prediction of the use condition of the financial account by the user and is used for indicating which financial account the user prefers to use, wherein the preference reference value can be obtained in real time or directly.

In an embodiment, when the preference reference value is obtained in real time, the specific process includes:

step a, second parameter information of each financial account is obtained, wherein each second parameter information at least comprises interest rate and use frequency;

in an embodiment, the issuing device obtains second parameter information of each financial account, wherein the second parameter information at least comprises one or more of interest rate, use frequency, historical limit, historical used electronic ticket quantity, historical remaining electronic ticket quantity and the like, and in an embodiment, the second parameter information preferably at least comprises the interest rate and the use frequency.

B, determining a first preference coefficient of each financial account based on each interest rate, and determining a second preference coefficient of each financial account based on each use frequency;

it can be understood that, if a general user relatively prefers to use a financial account with a low interest rate, for example, if a first user has two financial accounts, i.e., Y and Z, the interest rate of Y is 18%, and the interest rate of Z is 22%, the first user prefers to use the Y account, because the interest rate is low, the user has less interest to pay, that is, in an embodiment, the preference coefficient of the financial account can be determined by the interest rate; of course, the preference coefficient of the financial account can be determined according to the use frequency, for example, a general user relatively prefers to use the financial account with high use frequency, for example, a first user has two financial accounts of Y and Z, the use frequency of Y is 5 pens per month, and when the use frequency of Z is 25 pens per month, the first user prefers to use the Z account, and the like; in addition, the preference coefficient of each financial account of the user can be determined according to one or more of historical limit, historical used electronic ticket quantity, historical remaining electronic ticket quantity and the like, or the combination of the aforementioned interest rate and/or use frequency.

In one embodiment, the dispensing device determines the first affinity factor for the financial account from the interest rate. Specifically, the step of determining a first like coefficient for each financial account based on each interest rate comprises:

comparing each interest rate with a preset critical interest rate in sequence;

in an embodiment, the interest rates corresponding to the financial accounts are sequentially compared with a preset critical interest rate, where the preset critical interest rate may be set according to an actual situation, for example, 18%, and it should be noted that, if the financial product itself is a high-interest-rate product, the user is more sensitive to the interest rate, and since the high interest rate means that the interest is high, the first preference coefficient is larger, that is, the first preference coefficient is related to the interest rate in the specific implementation, where the interest rate is an annual interest rate in one embodiment, that is, the annual interest rate of each financial account.

in an embodiment, if the issuing device determines that the interest rate of the current financial account is not greater than the preset critical interest rate, a first formula corresponding to the preset critical interest rate is obtained, and a first coefficient of the current financial account is calculated according to the current interest rate and the first formula, where the first formula is:

in other embodiments, the constants 2 and 1/2 in the first formula are set to other constant values according to actual needs, for example, when the interest rates of all the parties are not greatly different (less than 1%), the constants 2 and 1/2 may be correspondingly increased, and the like, without limitation.

in an embodiment, if the issuing device determines that the interest rate of the current financial account is greater than the preset critical interest rate, a second formula corresponding to the preset critical interest rate is obtained, and a second coefficient of the current financial account is calculated according to the current interest rate and the second formula, where the second formula is:

a2＝2-2^R

in the second formula, a2 is a second coefficient when the interest rate is greater than the preset critical interest rate, R is the interest rate, it should be noted that constant 2 in the second formula is an optimal value tested through practical application, in other embodiments, the constant 2 may be set to other constant values according to practical needs, for example, when the interest rates of all the parties are not greatly different (less than 1%), constants 2 and 1/2 may be correspondingly increased, and the like, which is not limited specifically.

The first preference factor includes a first factor or a second factor. That is, in one embodiment, the predetermined threshold interest rate corresponds to two formulas, namely a first formula and a second formula, so that the first preference coefficient β 2 has two possible values, namely a first coefficient a1 and a second coefficient a2, and the key for determining which value the first preference coefficient β 2 is determined by the predetermined threshold interest rate. That is, when the interest rate of the current financial account is not greater than the preset critical interest rate, the increase of the first preference coefficient β 2 is a linear function, and when the interest rate of the current financial account is greater than the preset critical interest rate, the increase of the first preference coefficient β 2 is an exponential function.

In one embodiment, the dispensing device determines the second affinity factor for the financial account using the frequency. Specifically, the step of determining the second preference factor of each financial account based on each usage frequency comprises:

comparing each using frequency with a preset critical frequency in sequence;

in an embodiment, the usage frequency corresponding to each financial account is sequentially compared with a preset threshold frequency, where the preset threshold frequency may be set according to an actual situation, such as 10 strokes/month, and it should be noted that, if the number of usage times of the financial account itself is large, the accuracy of the usage frequency is higher, so the second preference coefficient is related to the usage frequency, where the usage frequency is the usage frequency of each financial account in a preset time period, such as the number of usage strokes in one month.

in an embodiment, if the issuing device determines that the usage frequency of the current financial account is not greater than the preset critical frequency, a third formula corresponding to the preset critical frequency is obtained, and a third coefficient of the current financial account is calculated according to the current usage frequency and the third formula, where the third formula is:

in the third formula, b1 is a third coefficient when the frequency of use is not greater than the predetermined threshold frequency, a is the predetermined threshold frequency, and U is the frequency of use.

in an embodiment, if the issuing device determines that the usage frequency of the current financial account is greater than the preset critical frequency, a fourth formula corresponding to the preset critical frequency is obtained, and the fourth coefficient of the current financial account is calculated according to the first preference coefficient and the fourth formula, where the fourth formula is:

b₂＝1-β₂

in the fourth formula, b2 is a fourth coefficient when the frequency of use is greater than the predetermined threshold frequency, and β 2 is the first preference coefficient.

The second preference factor includes a third factor or a fourth factor, i.e. in an embodiment, the predetermined threshold frequency corresponds to two formulas, namely, a third formula and a fourth formula, so that there are two possible values of the second preference factor β 1, namely, a third factor b1 and a fourth factor b2, and the key for determining which value the second preference factor β 1 is specifically determined by the predetermined threshold frequency. That is, when the usage frequency of the current financial account is not greater than the preset threshold frequency, the increase of the second preference coefficient β 1 is a linear function, and when the usage frequency of the current financial account is greater than the preset threshold frequency, the increase of the second preference coefficient β 1 is an exponential function, where β 1+ β 2 is equal to 1.

And c, calculating a preference reference value of each financial account based on each first preference coefficient, each second preference coefficient and each second parameter information, and acquiring the preference reference value.

In one embodiment, the issuing device calculates a preference benchmark value of each financial account according to the first preference coefficient and the second preference coefficient of each financial account and the second parameter information of each financial account, and acquires the preference benchmark value. If the first preference coefficient, the second preference coefficient and the weighted value of the second parameter information of each financial account are set, then the parameters are accumulated, if the weighted value of the first preference coefficient is set to be 0.2, the weighted value of the second parameter information, such as interest rate, is set to be 0.6, and the like, and then the parameters are accumulated, so that the preference reference value of each financial account can be obtained.

Further, in an embodiment, the first parameter information includes a current remaining amount and a current remaining electronic ticket number, and the step S20 includes:

and d, acquiring the preference formula of each financial account, and substituting each current surplus limit, each current surplus electronic ticket quantity and each preference reference value into each preference formula to calculate the preference of each financial account.

In an embodiment, the issuing device calculates the preference of each financial account by obtaining the preference formula of each financial account and substituting each parameter into the preference formula, wherein the preference formulas of the financial accounts may be the same or different.

In one embodiment, the preference formula of each financial account is:

in the above formula, P is the preference degree, P is a preference reference value, L is the current remaining amount, and B is the current remaining electronic ticket number, it should be noted that the constant 1 in the preference degree formula is an optimal value tested by practical application, and in other embodiments, the constant may be set to other constant values according to practical needs, and is not limited specifically.

It should be noted that the value P basically determines the user's recent preference for a financial account, and when issuing an electronic ticket, the change of the current remaining amount and the current remaining electronic ticket number is mainly considered, and the final deviation index is determined on the basis of P, and the financial account with the maximum calculated P is finally selected for issuing, so that the real-time performance can be ensured.

In this embodiment, the issuing device compares the preference degrees of the financial accounts, determines the financial account with the highest preference degree as the target account, and issues the electronic ticket to the target account, so as to implement accurate issuing of the electronic ticket.

Further, based on the first embodiment of the electronic ticket issuing method of the present invention, a second embodiment of the electronic ticket issuing method of the present invention is proposed.

The second embodiment of the electronic ticket issuing method differs from the first embodiment of the electronic ticket issuing method in that, before step S10, the electronic ticket issuing method further includes:

step e, second parameter information of each financial account is obtained, wherein each second parameter information at least comprises interest rate and use frequency;

f, determining a first preference coefficient of each financial account based on each interest rate, and determining a second preference coefficient of each financial account based on each use frequency;

and g, calculating preference reference values of the financial accounts based on the first preference coefficients, the second preference coefficients and the second parameter information.

In this embodiment, since each time the electronic ticket is issued requires high efficiency, that is, it is impossible to perform an excessively complicated calculation, and the calculation of the preference reference value P depends on a large amount of parameter data, it is not suitable for each real-time calculation. If the P is calculated in real time, the pressure on the issuing equipment is large, and the influence on the fluency of issuing the electronic ticket is large, so that the P can be calculated in advance to serve as a reference value, only the preference reference value needs to be directly obtained each time the electronic ticket is issued, and then the preference degree P of each financial account can be simply calculated according to individual variables.

The specific calculation process of the preference reference value is similar to the process of acquiring the preference reference value in real time in the first embodiment, and is not described herein again.

Further, in an embodiment, in order to reduce the calculation pressure and ensure that the judgment value of the preference reference value is valid, the step e includes:

acquiring second parameter information of the starvation of each financial account at regular time, wherein each second parameter information at least comprises interest rate and use frequency;

step g comprises:

and calculating a preference benchmark value of each financial account based on each first preference coefficient, each second preference coefficient and each second parameter information, and setting the preference benchmark value as a current preference benchmark value of each financial account.

That is, in order to reduce the calculation pressure and ensure the validity of the preference reference value in the judgment of the preference degree of each financial account, the preference reference value of each financial account is updated regularly in a regular updating mode, such as once a month, so that the preference reference value is not fixed and unchanged, and the calculation is not needed in real time, thereby improving the intelligence of the electronic ticket issued by the issuing equipment.

In the embodiment, the favorite reference values of the financial accounts are calculated in advance, so that the issuing equipment does not need to calculate in real time but directly obtains the favorite reference values when the electronic ticket is issued. When the issuing equipment issues the electronic ticket, the final deviation index is determined on the basis of the preference reference value only by considering the change of the current surplus limit and the current surplus electronic ticket number, and the financial account with the maximum preference degree P is finally selected and calculated for issuing. Thus, real-time performance can be guaranteed, and calculation pressure can be reduced. If the use of a certain financial account by a user in a certain month is abnormal, the user can also find that the account is used up in time, for example, the account with high preference value P is not continuously issued to the account with high preference value P because the preference benchmark value P of the month is high, but the account with higher preference value P is issued.

Further, based on the first and second embodiments of the electronic ticket issuing method of the present invention, a third embodiment of the electronic ticket issuing method of the present invention is proposed.

The third embodiment of the electronic ticket issuing method differs from the first and second embodiments of the electronic ticket issuing method in that each piece of second parameter information includes interest rate, usage frequency, historical quota, historical used electronic ticket quantity and historical remaining electronic ticket quantity, and the step of calculating the preference reference value for each financial account based on each first preference coefficient, each second preference coefficient and each piece of second parameter information includes:

step h, calculating the ticket using frequency of each financial account based on each using frequency and the number of used electronic tickets in each history;

step i, calculating a ticket usage demand value of each financial account based on each historical used electronic ticket quantity and each historical remaining electronic ticket quantity;

and j, calculating preference reference values of the financial accounts on the basis of the use frequency of each coupon, the use requirement value of each coupon, the interest rate, the historical quota, the first preference coefficient and the second preference coefficient.

In the process of calculating the preference reference value of each financial account, in order to accurately predict the financial account used next by the user, the method and the device in the embodiment not only collect more related parameters, but also consider the influence degree of each parameter on the preference reference value, so that the finally calculated preference reference value is more in line with the use requirement of the user.

The respective steps will be described in detail below:

and h, calculating the ticket using frequency of each financial account based on each using frequency and each historical used electronic ticket quantity.

In this embodiment, the issuing device calculates the ticket usage frequency of each financial account according to the usage frequency of each financial account and the historical number of used electronic tickets, wherein a specific ticket usage frequency calculation formula is as follows:

K＝(U+1)/(A+1)

wherein K is the frequency of use of the coupon, U is the frequency of use, and a is the number of electronic coupons that have been used historically, it should be noted that constant 1 in the calculation formula of the frequency of use of the coupon is an optimal value tested by practical application, and in other embodiments, the constant value may be set to other constant values according to practical needs, and is not particularly limited. As can be appreciated, financial accounts that are used more frequently and have fewer remaining electronic coupons will be used with a higher probability, where K ≦ 1.

And i, calculating the ticket usage demand value of each financial account based on the used electronic ticket quantity of each history and the remaining electronic ticket quantity of each history.

In this embodiment, the issuing device calculates the ticket usage requirement value of each financial account according to the historical used electronic ticket number and the historical remaining electronic ticket number of each financial account, wherein the ticket usage requirement calculation formula is as follows:

C＝(A+1)/(B+A+1)

wherein C is a required value of the ticket usage, B is a historical remaining number of electronic tickets, and a is a historical used number of electronic tickets, it should be noted that the constant 1 in the calculation formula of the frequency of ticket usage is an optimal value tested by practical application, and in other embodiments, the constant value may be set to other constant values according to practical needs, and is not particularly limited. It can be understood that a larger value of the ticket usage requirement indicates a greater usage requirement for the user, where C ≦ 1.

In the embodiment, the issuing device calculates the preference benchmark value of each financial account according to the ticket use frequency, the ticket use requirement value, the interest rate, the historical quota, the first preference coefficient and the second preference coefficient of each financial account.

Specifically, in this embodiment, before calculating the preference reference value of each financial account, the issuing apparatus further performs the following steps:

step k, acquiring a historical financial account corresponding to the electronic coupon, and determining the maximum amount of the historical financial account and the highest interest rate of the historical financial account;

in this embodiment, the issuing device further obtains a historical financial account corresponding to the electronic ticket, and determines a maximum amount and a maximum interest rate of the historical financial account, where the historical financial account refers to all financial accounts of financial institutions such as a preset time point bank and the like, such as all valid financial accounts of No. 1 each month and the like, and it can be understood that the historical financial account is a dynamically changed value and is changed along with the account sale or account opening of the new user.

In an embodiment, the issuing device further obtains the quota of the historical financial accounts by obtaining the historical financial accounts, and as can be understood, each financial account corresponds to a quota, so that according to the quota of the historical financial accounts, a quota mean Lv of the historical financial accounts can be obtained, a maximum quota value Lmax and a minimum quota value Lmin in the historical financial accounts are determined, and finally, according to a first preset formula, the maximum quota L of the historical financial accounts is calculated to be Lv 2+ (Lmax + Lmin), it should be noted that a constant 2 in the formula is an optimal value tested through practical application, and in other embodiments, other constant values can be set according to practical needs, and are not particularly limited.

In an embodiment, the issuing device further obtains interest rates of the historical financial accounts by obtaining the historical financial accounts, and as can be understood, each financial account corresponds to one interest rate, so that according to the interest rates of the historical financial accounts, a first interest rate Rmax1 of the historical financial accounts in a first preset time period and a second interest rate Rmax2 of the historical financial accounts in a second preset time period can be obtained, wherein the second preset time period is greater than the first time period, and the second interest rate Rmax2 is greater than or equal to the first interest rate Rmax1, and finally, according to a second preset formula, the highest interest rate R of the historical financial accounts is calculated as Rmax2 × Rmax2/Rmax 1.

It should be noted that the maximum quota L and the maximum interest rate R are both global values and are calculated according to the financial accounts of all the users at the preset time point, such as the financial accounts of all the users at the number 1 per month.

Further, in one embodiment, the step of calculating the preference benchmark value of each financial account includes:

That is, in an embodiment, the preference reference value of each financial account of the user is calculated by the maximum amount, the maximum interest rate, the ticket usage frequency, the ticket usage requirement value, the interest rate, the historical amount, the first preference coefficient and the second preference coefficient, and the specific preference formula is as follows:

wherein P is a preference reference value, β 2 is a first preference coefficient, β 1 is a second preference coefficient, K is a frequency of using the ticket, C is a required value of using the ticket, L is a history amount, L is a maximum amount, R is an interest rate, R is a highest interest rate, it should be noted that constants 1 and 2 in the preference formula are optimal values tested by practical application, and in other embodiments, other constant values may be set according to practical needs, and are not particularly limited.

In one embodiment, to simplify the calculation degree, the first preference coefficient or the second preference coefficient of the above formula may be 1, that is, only the influence of a certain factor is considered, for example, β 1 equals 1, which means that only the influence of interest rate is considered, and β 2 equals 1, which means that only the influence of usage frequency is considered.

In the process of calculating the preference benchmark value of each financial account, in order to accurately predict the financial account used next by the user, in addition to collecting more related parameters, the influence degree of each parameter on the preference benchmark value is also considered, such as the influence of interest rate on the preference degree, the influence of use frequency on the preference degree, and the like, so that the finally calculated preference benchmark value more conforms to the use requirement of the user, and a more accurate benchmark value is provided for subsequently calculating the preference degree of each financial account.

For convenience of understanding, the first parameter information includes the current remaining amount and the current remaining electronic ticket number, and the second parameter information includes interest rate, use frequency, historical amount, historical used electronic ticket number and historical remaining electronic ticket number for example, if the first user has two financial accounts Y and Z, the parameters are respectively

Y, the interest rate Ry is 18%, the historical credit line Ly is 1 ten thousand, the use frequency Uy is 10, the quantity Ay of the historical used electronic coupons is 2, and the quantity By of the historical remaining electronic coupons is 0;

the interest rate Rz is 22%, the historical quota Lz is 1 ten thousand, the usage frequency Uz is 20, the number Az of the historical used electronic coupons is 5, and the number Bz of the historical remaining electronic coupons is 1.

In addition, the maximum quota L of the historical financial account is 5 ten thousand and the maximum interest rate R is 25 percent according to actual historical data.

The frequency Ky of ticket usage of the Y account is 11/3, the ticket usage requirement Cy is 1, β 1 is 0.1, β 2 is 0.86, and the preference formula is substituted with the frequency Ky:

py 0.1 (11/3+1)/2+0.86 (1+1/5-0.18/0.25) is obtained

Similarly, the ticket usage frequency Ky of the Z account is 21/6, the ticket usage demand Cz is 6/7, β 1 is 0.165, and β 2 is 0.835.

Finally, Pz is 0.165 (21/6+6/7)/2+0.835 (1+1/5-0.22/0.25) 0.627.

The result of the calculation is that the preference Pz of Y is 0.627 slightly higher than that of Z, and Y relatively needs electronic tickets.

Then, according to the real-time situation, calculating:

when the electronic ticket needs to be issued, the current remaining amount of each financial account of an issuing object (user) and the current remaining electronic ticket number are taken for calculation, and the current remaining amount and the current remaining electronic ticket number are assumed to be unchanged.

From P ═ L/(B +1), Py ═ 0.646, Pz ═ 0.314, Py > Pz were obtained.

At this time, the electronic ticket is issued to the Y account.

If the credit of Y is greatly reduced, that is, when the credit is reduced compared with the calculated preference reference value, Ly is 0.4, and the remaining parameters are not changed, Py is 0.258< Pz is 0.314.

At this time, the electronic ticket is issued to the Z account.

The electronic ticket issued by the scheme can be accurately issued to the financial account used by the user next time, so that the financial account can enjoy corresponding discount in time, and the electronic ticket is efficiently and accurately issued.

The invention also provides an electronic ticket issuing device. The electronic ticket issuing apparatus of the present invention includes:

Preferably, the obtaining calculation module is further configured to:

comparing each interest rate with a preset critical interest rate in sequence;

Preferably, the obtaining calculation module is further configured to:

comparing each using frequency with a preset critical frequency in sequence;

Preferably, the obtaining calculation module is further configured to:

The invention also provides a computer readable storage medium.

The computer-readable storage medium of the present invention stores thereon an electronic ticket issuing program that realizes the steps of the electronic ticket issuing method as described above when executed by a processor.

The method implemented when the electronic ticket issuing program running on the processor is executed may refer to each embodiment of the electronic ticket issuing method of the present invention, and details thereof are not described herein.

It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.

Claims

1. An electronic ticket issuing method, characterized by comprising the steps of:

2. The electronic-ticket issuing method according to claim 1, wherein before the step of determining an issue object of the electronic ticket and acquiring a financial account of the issue object if the issue request of the electronic ticket is detected, the electronic-ticket issuing method further comprises:

3. The method of issuing electronic coupons of claim 2 wherein said step of determining said first like factor for each said financial account based on each said interest rate comprises:

comparing each interest rate with a preset critical interest rate in sequence;

4. The method of issuing electronic coupons of claim 3 wherein said step of determining said second like factor for each said financial account based on each said frequency of use comprises:

comparing each using frequency with a preset critical frequency in sequence;

5. The method for issuing electronic tickets according to claim 2, wherein each of said second parameter information includes interest rate, usage frequency, historical credit, historical used electronic ticket quantity and historical remaining electronic ticket quantity, and said step of calculating preference criteria for each of said financial accounts based on each of said first preference factors, each of said second preference factors and each of said second parameter information includes:

6. The electronic ticket issuing method according to claim 5, wherein said step of calculating preference criteria for each of said financial accounts based on each of said ticket usage frequency, each of said ticket usage requirement values, each of said interest rates, each of said historical credit lines, each of said first preference factors and each of said second preference factors further comprises:

7. The method of issuing electronic tickets according to claim 1, wherein said step of obtaining a preference benchmark value for each of said financial accounts comprises:

8. The electronic ticket issuing method according to any one of claims 1 to 7, wherein said first parameter information includes a current remaining amount and a current remaining electronic ticket amount, and said step of calculating the preference degree of each of said financial accounts based on each of said first parameter information and each of said preference reference values comprises:

9. An electronic ticket issuing apparatus, characterized by comprising:

10. An electronic ticket issuing apparatus characterized by comprising: a memory, a processor and an electronic ticket issuing program stored on the memory and executable on the processor, the electronic ticket issuing program, when executed by the processor, implementing the steps of the electronic ticket issuing method according to any one of claims 1 to 8.

11. A computer-readable storage medium, characterized in that an electronic-ticket issuing program is stored thereon, which when executed by a processor implements the steps of the electronic-ticket issuing method according to any one of claims 1 to 8.