CN112258225B

CN112258225B - Electronic ticket issuing method, device, equipment and computer readable storage medium

Info

Publication number: CN112258225B
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: 2024-05-28
Anticipated expiration: 2040-10-19
Also published as: CN112258225A

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 preference degree of each financial account based on the first parameter information and the preference reference value; and determining a target account of the electronic ticket based on each preference, and issuing the electronic ticket to the target account. The invention also discloses an electronic ticket issuing device, equipment and a computer readable storage medium. When the electronic ticket is issued, the probability of predicting which financial account the issuing object uses is higher by calculating the preference of the issuing object to each financial account, and the electronic ticket is issued to the financial account, so that the issuing accuracy of the electronic ticket is improved.

Description

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

Technical Field

The present invention relates to the technical field of financial science and technology (Fintech), and in particular, to a method, an apparatus, a device, and a computer-readable storage medium for issuing electronic coupons.

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 a financial institution such as a bank, in order to attract users to use financial products, such as loans, electronic coupons are often issued to the financial accounts of the users, such as the exemption interest coupons of loan products, etc., but now, as the demand of users for the financial products increases, such as that a single loan amount cannot meet the actual demand of the users, multiple amounts need to be applied to multiple sponsors (funds provider), etc., so that the users generally have more than one financial account (each sponsor corresponds to one financial account), therefore, how to correctly issue electronic coupons to the financial accounts actually required by the users is a technical problem that needs to be solved by the financial institution such as the bank under the condition that the users have multiple financial accounts.

In the prior art, in order to solve the problems, the first mode is to select a sponsor to issue when a user gets an electronic coupon, and then use the electronic coupon according to the sponsor when the electronic coupon is consumed and presented; the second mode is that the electronic coupon is firstly issued to the coupon package of the user, then the user goes to the coupon package to select the corresponding party when using the electronic coupon package, and then the electronic coupon package is used; the third way is to select an electronic coupon at the time of checkout counter payment, and use field Jing Shouxian can only be used if the checkout counter can be used.

Therefore, in any way, the user's own selection is only realized, and under the condition that the user has a plurality of financial accounts, the financial institutions such as banks and the like can not automatically and accurately issue the electronic coupons to the financial accounts actually required by the user.

Disclosure of Invention

The invention mainly aims to provide a method, a device, equipment and a computer readable storage medium for issuing electronic coupons, which aim to accurately issue the electronic coupons.

In order to achieve the above object, the present invention provides an electronic ticket issuing method comprising 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 preference degree of each financial account based on the first parameter information and the preference reference value;

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

Preferably, before the step of determining the issuing object of the electronic ticket and acquiring the financial account of the issuing object if the issuing request of the electronic ticket is detected, the electronic ticket issuing 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 preference coefficient of each financial account based on each interest rate, and determining a second preference coefficient of each financial account based on each frequency of use;

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.

Preferably, the step of determining the first preference factor for each of the financial accounts based on each of the interest rates includes:

sequentially comparing each interest rate with a preset critical interest rate;

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 a financial account corresponding to the current interest rate based on the current interest rate and the first formula;

if the current interest rate is greater 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 coefficient of each financial account based on each frequency of use includes:

comparing each use frequency with a preset critical frequency in turn;

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 coefficient includes a third coefficient or a fourth coefficient.

Preferably, each of the second parameter information includes a rate of interest, a frequency of use, a history credit, a number of history used electronic coupons, and a number of history remaining electronic coupons, and the calculating of the preference reference value for each of the financial accounts based on each of the first preference coefficients, each of the second preference coefficients, and each of the 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 number of used electronic tickets;

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

And calculating a preference reference value of each financial account based on each ticket usage frequency, each ticket usage demand value, each interest rate, each history limit, each first preference coefficient, and each second preference coefficient.

Preferably, before the step of calculating the preference reference value of each financial account based on each of the ticket usage frequency, each of the ticket usage demand values, each of the interest rates, each of the history amounts, each of the first preference coefficients, and each of the second preference coefficients, the electronic ticket issuing method further includes:

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

The step of calculating a preference reference value for each financial account based on each of the ticket usage frequency, each of the ticket usage demand values, each of the interest rates, each of the history credits, each of the first preference coefficients, and each of the second preference coefficients, includes:

And calculating a preference reference value of each financial account based on the maximum credit, the highest interest rate, each ticket use frequency, each ticket use demand value, each interest rate, each history credit, each first preference coefficient, and each second preference coefficient.

Preferably, the step of obtaining the preference reference 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 number of remaining electronic coupons, and the calculating of the preference degree of each financial account based on each first parameter information and each preference reference value includes:

and obtaining a preference formula of each financial account, and substituting each current residual amount, each current residual electronic ticket number and each preference reference value into each preference formula to calculate the preference of each financial account.

In addition, in order to achieve the above object, the present invention also provides an electronic ticket issuing apparatus comprising:

The detection acquisition module is used for determining an issuing object of the electronic ticket and acquiring financial accounts of the issuing object if the 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 the preference reference value of each financial account and the 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 reference value;

And the determining and issuing module is used for determining a target account of the electronic ticket based on the favorites and issuing the electronic ticket to the target account.

Preferably, the acquisition calculation module is further configured to:

sequentially comparing each interest rate with a preset critical interest rate;

Preferably, the acquisition calculation module is further configured to:

comparing each use frequency with a preset critical frequency in turn;

Preferably, each of the second parameter information includes a rate of interest, a frequency of use, a history credit, a number of used coupons, and a number of remaining coupons, and the acquisition calculation module is further configured to:

Preferably, the acquisition calculation module is further configured to:

The obtaining calculation module is further configured to calculate a preference reference value of each financial account based on the maximum credit, the highest interest rate, each ticket usage frequency, each ticket usage demand value, each interest rate, each history credit, each first preference coefficient, and each second preference coefficient.

Preferably, the acquisition calculation module is further configured to:

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

In addition, in order to achieve the above object, the present invention also provides an electronic ticket issuing apparatus comprising: the electronic ticket issuing system comprises a memory, a processor and an electronic ticket issuing program which is stored in the memory and can run on the processor, wherein the electronic ticket issuing program realizes the steps of the electronic ticket issuing method when being executed by the processor.

In addition, in order 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, implements the steps of the electronic ticket issuing method as described above.

If an issuing request of an 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 preference degree of each financial account based on the first parameter information and the preference reference value; and determining a target account of the electronic ticket based on each preference, and issuing the electronic ticket to the target account. The invention also discloses an electronic ticket issuing device, equipment and a computer readable storage medium. When the electronic ticket is issued, the probability of predicting which financial account the issuing object uses is higher by calculating the preference of the issuing object to each financial account, and the electronic ticket is issued to the financial account, so that the issuing accuracy of the electronic ticket is improved.

Drawings

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

fig. 2 is a flowchart of a first embodiment of the method for issuing electronic coupons of the present invention.

The achievement of the objects, functional features and advantages of the present invention will be further described with reference to the accompanying drawings, in conjunction with the embodiments.

Detailed Description

It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.

Referring to fig. 1, fig. 1 is a schematic device structure of a hardware running 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 the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further 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 stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.

It will be appreciated by those skilled in the art that the device structure shown in fig. 1 is not limiting of the device and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.

As shown in fig. 1, an operating system, a network communication module, a user interface module, and an electronic ticket issuing program may be included in a memory 1005 as one type of computer storage medium.

The operating system is a program for managing and controlling the electronic ticket issuing equipment and the software resource 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 to manage and control 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 a memory 1005 through a processor 1001 and performs operations in 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 flowchart of a first embodiment of the method for issuing electronic coupons of the present invention, the method comprising:

Step S10, if a request for issuing the electronic ticket is detected, determining an object for issuing the electronic ticket, and acquiring financial accounts of the object for issuing, wherein the number of the financial accounts at least comprises two;

Step S20, obtaining a preference reference value of each financial account and first parameter information of each financial account, and calculating preference degree of each financial account based on the first parameter information and the preference reference value;

And step S30, determining a target account of the electronic ticket based on each preference degree, 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 abbreviated as issuing equipment for convenience of description.

In the actual operation process, a financial institution such as a bank is used as an intermediary platform, a user can apply financial products such as loans to a plurality of sponsors (fund providers) through the financial institution such as the bank, so that the user has financial accounts provided by a plurality of sponsors, for example, a first user applies two financial products to two sponsors through the financial institution such as the bank, thereby obtaining two financial accounts, and the user is similar to have a plurality of electronic credit cards.

In order to encourage users to use financial products more, financial institutions such as banks generally issue some electronic coupons, such as the exemption interest coupons of loan products, at this time, because the users have a plurality of accounts, how to issue the electronic coupons into the financial accounts more in line with the expectations of the users, so that the users can enjoy corresponding benefits in time when using the financial accounts next time, which is a problem to be solved by the financial institutions such as banks.

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

The following will explain each step in detail:

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

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

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

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

That is, the electronic ticket carries directivity information, so that the issuing device can identify and determine which issuing object the electronic ticket points to.

in this embodiment, the issuing device obtains the preference reference value and the first parameter information of each financial account, and calculates the preference of each financial account according to the first parameter information of each financial account and the preference reference value of each financial account, where the first parameter information includes the current remaining amount and the current number of remaining electronic coupons, that is, the current remaining amount of each financial account and the current number of remaining electronic coupons of each financial account.

It will be appreciated that the current remaining amount of each financial account will decrease with the use of the user, such as a loan amount, and the remaining amount of the corresponding financial account will decrease with the increase of the user's loan; the number of the remaining electronic coupons is similar, and after the user uses the electronic coupons, the number of the remaining electronic coupons of the corresponding financial accounts is reduced, that is, the remaining amount and the number of the remaining electronic coupons are dynamically changed values, so that the current remaining amount and the current number of the remaining electronic coupons need to be acquired to ensure that more accurate real-time data is provided when the user favors which financial account is judged later.

The preference reference value is calculated by the issuing device according to the use condition of the user on the financial account, 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 one embodiment, when the preference reference value is obtained in real time, the specific process includes:

Step a, obtaining second parameter information of each financial account, 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, where the second parameter information includes at least one or more of interest rate, frequency of use, history credit, number of used electronic coupons in history, number of remaining electronic coupons in history, and the like, and in an embodiment, the second parameter information preferably includes at least interest rate and frequency of use.

Step 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 will be appreciated that a general user would prefer to use a low interest rate financial account, such as a user with Y and Z, where Y has an interest rate of 18% and Z has an interest rate of 22%, a user would prefer to use a Y account because of the low interest rate, where the user would have less interest to pay, i.e., in one embodiment, the preference factor of the financial account can be determined by the interest rate; of course, preference coefficients of the financial accounts can be determined according to the use frequency, for example, a general user relatively prefers to use financial accounts with high use frequency, for example, a first user has two financial accounts of Y and Z, the use frequency of Y is 5 strokes/month, the use frequency of Z is 25 strokes/month, and the first user prefers to use Z accounts; in addition, the preference coefficient of each financial account of the user can be determined according to one or more of the historical credit, the number of the historical used electronic coupons, the number of the historical residual electronic coupons and the like, or the combination of the interest rate and/or the use frequency.

In one embodiment, the dispensing device determines a first preference factor for the financial account by the interest rate. Specifically, the step of determining the first preference factor for each of the financial accounts based on each of the interest rates includes:

sequentially comparing each interest rate with a preset critical interest rate;

In an embodiment, the interest rates corresponding to the financial accounts are sequentially compared with preset critical interest rates, where the preset critical interest rates may be set according to practical situations, such as 18%, and it should be noted that if the financial product is a high-interest rate product, the user is more sensitive to the interest rate, and the higher the interest rate means that the interest rate is high, the greater the first preference coefficient, that is, the first preference coefficient is related to the interest rate when implemented, where the interest rate is in an embodiment, that is, the annual interest rate of each financial account.

In an embodiment, if the issuing device determines that the current financial account has an interest rate not greater than a 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:

Wherein a1 in the first formula is a first coefficient when the interest rate is not greater than a preset critical interest rate, and R is the interest rate, it should be noted that, constants 2 and 1/2 in the first formula are optimal values tested by practical application, and in other embodiments, other constant values may be set according to practical needs, for example, when the interest rates of all the sponsors are not different (less than 1%), constants 2 and 1/2 may be correspondingly increased, and the method is not limited in particular.

In an embodiment, if the issuing device determines that the current financial account has an interest rate greater than a 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 a preset critical interest rate, and R is the interest rate, and it should be noted that, the constant 2 in the second formula is an optimal value tested by practical application, in other embodiments, other constant values may be set according to practical needs, for example, when the interest rates of all the sponsors are different (less than 1%), the constants 2 and 1/2 may be correspondingly increased, and the invention is not limited.

The first preference coefficient includes a first coefficient or a second coefficient. That is, in an embodiment, the preset critical interest rate corresponds to two formulas, namely a first formula and a second formula, so that the first preference coefficient β2 has two possible values, one is the first coefficient a1 and the other is the second coefficient a2, and the key for determining which value the first preference coefficient β2 is specifically, is determined by the preset critical 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 β2 is a linear function, and when the interest rate is greater than the preset critical interest rate, the increase of the first preference coefficient β2 is an exponential function.

In one embodiment, the dispensing device determines the second preference factor for the financial account by using the frequency. Specifically, the step of determining the second preference coefficient of each of the financial accounts based on each of the usage frequencies includes:

comparing each use frequency with a preset critical frequency in turn;

In an embodiment, the usage frequency corresponding to each financial account is sequentially compared with a preset critical frequency, where the preset critical frequency may be set according to practical situations, such as 10 pens/month, etc., it should be noted that if the number of times of usage of the financial account 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 pens in one month, etc.

in an embodiment, if the issuing device determines that the frequency of use 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 frequency of use and the third formula, where the third formula is:

in the third formula, b1 is a third coefficient when the use frequency is not greater than a preset critical frequency, a is the preset critical frequency, and U is the use frequency.

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 a 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 use frequency is greater than a preset critical frequency, and beta 2 is a first preference coefficient.

The second preference coefficient includes a third coefficient or a fourth coefficient, that is, in an embodiment, the preset critical frequency corresponds to two formulas, namely, the third formula and the fourth formula, so that two possible values of the second preference coefficient β1 exist, one is the third coefficient b1, and the other is the fourth coefficient b2, and the key for determining which value the second preference coefficient β1 is specifically, is determined by the preset critical frequency. That is, when the frequency of use of the current financial account is not greater than the preset critical frequency, the increase of the second preference coefficient β1 is a linear function, and when the frequency is greater than the preset critical frequency, the increase of the second preference coefficient β1 is an exponential function, and β1+β2=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 apparatus calculates a preference reference value for each financial account according to the first preference coefficient, the second preference coefficient, and the second parameter information for each financial account, and acquires the preference reference value. If the weight values of the first preference coefficient, the second preference coefficient and the second parameter information of each financial account are set, then all the parameters are accumulated, if the weight value of the first preference coefficient is set to be 0.2, the weight value of the second parameter information, such as the interest rate, is set to be 0.6, and the like, and then the preference reference value of each financial account can be obtained by accumulating the weight values.

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

Step d, obtaining a preference formula of each financial account, and substituting each current residual amount, each current residual electronic ticket number 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 a preference formula of each financial account and substituting each parameter into the preference formula, where the preference formulas of each financial account may be the same or different.

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

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

It should be noted that the P value basically determines the recent preference of the user for a certain financial account, and when issuing the electronic ticket, mainly considers the current residual amount and the change of the current residual quantity of the electronic ticket, determines the final offset index based on P, and finally selects and calculates the financial account with the maximum P to issue, so that the real-time performance can be ensured.

In this embodiment, the issuing device compares the preference of each financial account, determines the financial account with the largest preference 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 is different from the first embodiment of the electronic ticket issuing method in that before step S10, the electronic ticket issuing method further includes:

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

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

In the present embodiment, since a high efficiency is required for issuing the electronic ticket each time, that is, too complicated calculation cannot be performed, the calculation of the preference reference value P value needs to depend on a large amount of parameter data, and thus is not suitable for each real-time calculation. If the calculation is performed on P in real time, the pressure on the issuing device is high, and the smoothness of issuing the ticket is also greatly affected, so that P can be calculated in advance to obtain the reference value, and the preference reference value is only needed to be directly obtained when the electronic ticket is issued each time, and then the preference degree P of each financial account is calculated according to the individual variables.

The specific calculation process of the preference reference value is similar to the process of obtaining the preference reference value in real time in the first embodiment, and will not be described here again.

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

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

Step g comprises:

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 setting the preference reference value as a current preference reference value of each financial account.

That is, the issuing device is configured to reduce the calculation pressure, and ensure the validity of the preference reference value in determining the preference of each financial account, and update the preference reference value of each financial account at regular time by means of regular update, such as once a month, so that the preference reference value is not fixed and is not calculated in real time, thereby improving the intelligence of issuing the electronic ticket by the issuing device.

The preferred reference value of each financial account is calculated in advance, so that the issuing equipment does not need to calculate in real time when issuing the electronic ticket, but directly obtains the electronic ticket. When the issuing device issues the electronic coupons, only the current residual amount and the change of the current residual quantity of the electronic coupons are considered, the final offset index is determined on the basis of the preference reference value, and the financial account with the greatest preference degree P is finally selected to issue. Thus, real-time performance can be ensured, and calculation pressure can be reduced. If the use of a financial account by a user in a month is abnormal, the user can also find out in time that the credit is used up, and the user cannot continue to issue the account with high P value because the preference reference value P value of the month is very high, but can issue the account with higher preference value P.

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 is different from the first and second embodiments of the electronic ticket issuing method in that each of the second parameter information includes a rate of interest, a frequency of use, a history credit, a number of history used electronic tickets, and a number of history remaining electronic tickets, and the step of calculating a preference reference value for each of the financial accounts based on each of the first preference coefficients, each of the second preference coefficients, and each of the second parameter information includes:

step h, calculating the ticket use frequency of each financial account based on each use frequency and the number of the historical used electronic tickets;

Step i, calculating a ticket use demand value of each financial account based on the number of the used electronic tickets and the number of the residual electronic tickets;

And j, calculating a preference reference value of each financial account based on each ticket use frequency, each ticket use demand value, each interest rate, each history limit, each first preference coefficient and each second preference coefficient.

In the process of calculating the preference reference value of each financial account, the embodiment accurately predicts the financial account used next by the user, and not only collects more relevant parameters, but also considers the influence degree of each parameter on the preference reference value, so that the finally calculated preference reference value better accords with the use requirement of the user.

The following will explain each step in detail:

and h, calculating the ticket use frequency of each financial account based on each use frequency and the number of the historical used electronic tickets.

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 number of the historical used electronic tickets, where a specific ticket usage frequency calculation formula is:

K＝(U+1)/(A+1)

The constant 1 in the formula for calculating the frequency of using the ticket is an optimal value tested by practical application, and in other embodiments, the constant 1 can be set to other constant values according to practical needs without limitation. It will be appreciated that financial accounts with high frequency of use and fewer remaining coupons will be used with a higher probability, where K.ltoreq.1.

And step i, calculating a ticket use demand value of each financial account based on the number of the used electronic tickets and the number of the residual electronic tickets.

In this embodiment, the issuing device calculates the ticket usage demand value of each financial account according to the number of the historical used electronic tickets and the number of the historical remaining electronic tickets of each financial account, where the ticket usage demand calculation formula is:

C＝(A+1)/(B+A+1)

The constant 1 in the coupon frequency calculation formula is an optimal value tested by practical application, and in other embodiments, the constant 1 can be set to other constant values according to practical needs without limitation. It will be appreciated that a greater value of the coupon usage demand indicates a greater user usage demand, where C.ltoreq.1.

In this embodiment, the issuing apparatus calculates the preference reference value of each financial account based on the ticket use frequency, the ticket use demand value, the interest rate, the history limit, the first preference coefficient, and the second preference coefficient of each financial account.

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

step k, acquiring a historical financial account corresponding to the electronic ticket, and determining the maximum limit 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 credit and a maximum interest rate of the historical financial account, where the historical financial account refers to all financial accounts of a financial institution such as a bank at a preset time point, for example, all valid financial accounts of number 1 of each month, etc., and it can be understood that the historical financial account is a dynamically changed value and may change with the sales or the opening of a newly added user.

In an embodiment, the issuing device further obtains the credit of the historical financial account by obtaining the historical financial account, and it can be understood that each financial account corresponds to a credit, so that according to the credit of the historical financial account, a credit mean Lv of the historical financial account can be obtained, a maximum value Lmax and a minimum value Lmin of the credit in the historical financial account are determined, finally, according to a first preset formula, the maximum credit l=lv×2+ (lmax+lmin) of the historical financial account is calculated, and it is required to be noted that a constant 2 in the formula is an optimal value tested by practical application, and in other embodiments, the value can be set to other constant values according to practical needs, which is not limited in particular.

In an embodiment, the issuing device further obtains the interest rate of the historical financial accounts by obtaining the historical financial accounts, and it can be understood that each financial account corresponds to one interest rate, so that according to the interest rate 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, 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=rmax2xrmax 2/Rmax1 of the historical financial accounts is calculated.

It should be noted that, the maximum limit L and the maximum interest rate R are both global values calculated according to the financial accounts of all users at the preset time point, for example, the financial accounts of all users in month 1.

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

That is, in one embodiment, the preference reference value of each financial account of the user is calculated from the maximum credit, the highest interest rate, the ticket usage frequency, the ticket usage requirement value, the interest rate, the historical credit, the first preference coefficient and the second preference coefficient, and the specific preference formula is:

Wherein P is a preference reference value, β2 is a first preference coefficient, β1 is a second preference coefficient, K is a ticket use frequency, C is a ticket use demand value, L is a history credit, L is a maximum credit, R is a benefit rate, R is a maximum benefit 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, the parameters can be set to other constant values according to practical needs, which is not particularly limited.

In an embodiment, to simplify the calculation, the first preference coefficient or the second preference coefficient of the above formula may be 1, that is, only the influence of a factor is considered, for example, β1=1, and the influence of interest rate is considered, β2=1, and the influence of frequency is considered.

In the process of calculating the preference reference value of each financial account, the embodiment considers the influence degree of each parameter on the preference reference value, such as the influence of interest rate on the preference degree, the influence of the use frequency on the preference degree, and the like, in addition to collecting more related parameters for accurately predicting the financial account used next by the user, so that the finally calculated preference reference value accords with the use requirement of the user, and provides a more accurate reference value for the preference degree of each financial account calculated subsequently.

For ease of understanding, the first parameter information including the current remaining amount and the current number of remaining electronic certificates, the second parameter information including the interest rate, the frequency of use, the history amount, the number of used electronic certificates and the number of remaining electronic certificates are exemplified, for example, the first user has two financial accounts Y and Z, the parameters of which are respectively

The interest rate ry=18%, the history limit ly=1 ten thousand, the use frequency uy=10, the number of used electronic coupons in history ay=2 and the number of residual electronic coupons in history by=0;

the interest rate rz=22%, the history limit lz=1 ten thousand, the use frequency uz=20, the number of used electronic coupons in history az=5, and the number of remaining electronic coupons in history bz=1.

In addition, the maximum limit l=5ten thousand of the historical financial account is calculated according to the actual historical data, and the highest interest rate r=25%.

Then the ticket usage frequency ky=11/3 for the Y account, the ticket usage requirement cy=1, β1=0.1, β2=0.86, and then substituted into the preference formula:

obtain py=0.1 (11/3+1)/2+0.86 (1+1/5-0.18/0.25) =0.646

Similarly, the ticket usage frequency ky=kz=21/6 of the Z account is obtained, the ticket usage demand value cz=6/7, β1=0.165, and β2=0.835.

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

As a result of calculation, Y favorites py=0.646 is slightly higher than Z favorites pz=0.627, and Y is currently relatively more desirable for electronic coupons.

And then calculating according to the real-time situation:

when the electronic ticket needs to be issued, the current residual amount and the current residual quantity of the financial accounts of the issuing object (user) are taken to calculate, and the current residual amount and the current residual quantity of the electronic ticket are assumed to be unchanged.

From p=p×l/(b+1), py=0.646, pz=0.314, py > pz is obtained.

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

Assuming that the current Y is greatly reduced, i.e., compared with the calculation of the preference reference value, ly=0.4, and the remaining parameters are unchanged, py=0.258 < pz=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 next time by the user, so that the financial account can enjoy corresponding preferential in time, and the electronic ticket can be issued efficiently and accurately.

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

Preferably, the acquisition calculation module is further configured to:

sequentially comparing each interest rate with a preset critical interest rate;

Preferably, the acquisition calculation module is further configured to:

comparing each use frequency with a preset critical frequency in turn;

Preferably, the acquisition 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 which, when executed by a processor, implements the steps of the electronic ticket issuing method as described above.

The method implemented when the electronic ticket issuing program running on the processor is executed may refer to various embodiments of the electronic ticket issuing method of the present invention, and will not be 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 one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.

The foregoing embodiment numbers of the present invention are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method according to the embodiments of the present invention.

The foregoing description is only of the preferred embodiments of the present invention, and is not intended to limit the scope of the invention, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein, or any application, directly or indirectly, in the field of other related technology.

Claims

1. An electronic ticket issuing method, characterized in that the electronic ticket issuing method comprises the following steps:

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 frequency of use; when the interest rate of the financial account is not greater than a preset critical interest rate, the increase of the first preference coefficient is a linear function; when the interest rate of the financial account is greater than a preset critical interest rate, the increase of the first preference coefficient is an exponential function; when the use frequency of the financial account is not greater than a preset critical frequency, the increase of the second preference coefficient is a linear function; when the use frequency of the financial account is greater than a preset critical frequency, the increase of the second preference coefficient is an exponential function;

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

Acquiring a preference reference value of each financial account and first parameter information of each financial account, and calculating preference degree of each financial account based on the first parameter information and the preference reference value; the first parameter information comprises the current residual amount and the current residual number of electronic coupons;

2. The electronic ticket issuing method according to claim 1, wherein the step of determining a first preference coefficient for each of the financial accounts based on each of the interest rates includes:

sequentially comparing each interest rate with a preset critical interest rate;

3. The electronic ticket issuing method according to claim 2, wherein the step of determining the second preference coefficient for each of the financial accounts based on each of the usage frequencies includes:

comparing each use frequency with a preset critical frequency in turn;

4. The electronic ticket issuing method according to claim 1, wherein each of the second parameter information includes a rate of interest, a frequency of use, a history credit, a number of history used electronic tickets, and a number of history remaining electronic tickets, and the step of calculating a preference reference value for each of the financial accounts based on each of the first preference coefficients, each of the second preference coefficients, and each of the second parameter information includes:

5. The electronic ticket issuing method according to claim 4, wherein before the step of calculating the preference reference value for each financial account based on each of the ticket usage frequency, each of the ticket usage demand values, each of the interest rates, each of the history amounts, each of the first preference coefficients, and each of the second preference coefficients, the electronic ticket issuing method further comprises:

6. The electronic ticket issuing method according to any one of claims 1 to 5, wherein the step of calculating a preference degree of each of the financial accounts based on each of the first parameter information and each of the preference reference values includes:

7. An electronic ticket issuing apparatus, characterized in that the electronic ticket issuing apparatus comprises:

The detection acquisition module is used for determining an issuing object of the electronic ticket and acquiring financial accounts of the issuing object if the issuing request of the electronic ticket is detected, wherein the number of the financial accounts at least comprises two; acquiring second parameter information of each financial account, wherein each second parameter information at least comprises interest rate and use frequency; 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 frequency of use; when the interest rate of the financial account is not greater than a preset critical interest rate, the increase of the first preference coefficient is a linear function; when the interest rate of the financial account is greater than a preset critical interest rate, the increase of the first preference coefficient is an exponential function; when the use frequency of the financial account is not greater than a preset critical frequency, the increase of the second preference coefficient is a linear function; when the use frequency of the financial account is greater than a preset critical frequency, the increase of the second preference coefficient is an exponential function; calculating a preference reference value of each financial account based on each first preference coefficient, each second preference coefficient, and each second parameter information;

The acquisition and calculation module is used for acquiring the preference reference value of each financial account and the 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 reference value; the first parameter information comprises the current residual amount and the current residual number of electronic coupons;

8. An electronic ticket issuing apparatus, characterized in that the electronic ticket issuing apparatus comprises: a memory, a processor, and an electronic ticket issuing program stored on the memory and executable on the processor, which when executed by the processor, implements the steps of the electronic ticket issuing method according to any of claims 1 to 6.

9. A computer-readable storage medium, having stored thereon an electronic ticket issuing program which, when executed by a processor, implements the steps of the electronic ticket issuing method according to any one of claims 1 to 6.