CN112750036A - Interactive processing method and device for financial business - Google Patents
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Abstract
The present disclosure provides an interactive processing method for financial services, including: acquiring interactive reference information, wherein the interactive reference information comprises user attribute information and/or user behavior information of a target user; determining interactive request content based on the interactive reference information, and pushing the interactive request content to the target user; and responding to the received interactive response content of the target user, and allocating reward content to the login account of the target user. The disclosure also provides an interactive processing device for financial business, an electronic device and a computer storage medium.
Description
Technical Field
The present disclosure relates to the field of internet technologies, and in particular, to an interactive processing method and apparatus for financial services.
Background
The internet technology is widely permeated in different application fields, in the internet operation in the financial business field, the intelligent interaction can provide high-efficiency financial service for users, the user group-oriented targeted management can be realized, the user participation enthusiasm is increased, and the user viscosity and the user contribution degree are increased.
In the process of realizing the technical concept of the present disclosure, the inventor finds that the user-oriented interaction processing method in the field of financial services has the problems of weak interaction pertinence, single interaction mode and poor interaction effect.
Disclosure of Invention
One aspect of the present disclosure provides an interactive processing method for financial services, including: acquiring interactive reference information, wherein the interactive reference information comprises user attribute information and/or user behavior information of a target user; determining interactive request content based on the interactive reference information, and pushing the interactive request content to the target user; and responding to the received interactive response content of the target user, and allocating reward content to the login account of the target user.
Optionally, the user behavior information includes transaction record information of the target user for a financial product, and the determining interactive request content based on the interactive reference information includes: determining the similarity between different sample users in a preset user database and the target user according to the user attribute information and the transaction record information of the user for the financial product, wherein the user database comprises the user attribute information of each sample user in different sample users and the transaction record information of each sample user for the financial product; determining a preset number of target sample users with the maximum similarity to the target users; and generating product recommendation information based on the financial products purchased by the target sample user, and using the product recommendation information as the interactive request content.
Optionally, the user attribute information includes at least one of: user credit identification, user credit rating, financial asset balance, user credit record, type of financial product held.
Optionally, the pushing the interactive request content to the target user includes: determining a recommendation weight associated with a financial product to be recommended according to the average transaction frequency of the financial product and the product on-line time; determining a push identifier for the interactive request content based on the recommendation weight, wherein the push identifier indicates a push channel and a push trigger mechanism for the interactive request content; and pushing the interactive request content to the target user based on the pushing identification.
Optionally, the user behavior information includes operation record information of the target user for a game application, and the determining of the interaction request content based on the interaction reference information includes: generating operation prompt information aiming at a target game application according to the user attribute information and the operation record information aiming at the game application, and taking the operation prompt information as the interaction request content, wherein the operation prompt information is used for reminding the target user to perform corresponding operation aiming at the target game application, and the operation comprises at least one of the following operations: registering operation, signing operation, logging operation, task getting operation, task execution operation and reward getting operation.
Optionally, the allocating bonus content to the login account of the target user in response to the received interactive response content of the target user includes: in response to the received game operation information of the target user, determining bonus content aiming at the game operation information; determining a login account of the target user, and issuing the reward content to the login account, wherein the reward content comprises at least one of the following: points, gifts, coupons, expense fees, and expense discounts.
Optionally, the determining of the interactive request content based on the interactive reference information and pushing the interactive request content to the target user includes: determining network topics with topic participation flow higher than a preset threshold; determining a target network topic for recommending to a target user according to the topic label of the network topic and according to the interactive reference information; generating topic recommendation information aiming at the target network topic, and sending the topic recommendation information as interactive request content to the target user.
Another aspect of the present disclosure provides an interaction processing apparatus for financial transactions, including: the system comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for acquiring interactive reference information, and the interactive reference information comprises user attribute information and/or user behavior information of a target user; the first processing module is used for determining interactive request content based on the interactive reference information and pushing the interactive request content to the target user; and the second processing module is used for responding to the received interactive response content of the target user and distributing the reward content to the login account of the target user.
Optionally, the user behavior information includes transaction record information of the target user for a financial product, and the first processing module includes: the first processing submodule is used for determining the similarity between different sample users and the target user in a preset user database according to the user attribute information and the transaction record information of the user aiming at the financial product, wherein the user database comprises the user attribute information of each sample user in different sample users and the transaction record information of each sample user aiming at the financial product; the second processing submodule is used for determining a preset number of target sample users with the maximum similarity to the target users; and the third processing submodule is used for generating product recommendation information based on the financial products purchased by the target sample user and using the product recommendation information as the interactive request content.
Optionally, the user attribute information includes at least one of: user credit identification, user credit rating, financial asset balance, user credit record, type of financial product held.
Optionally, the first processing module includes: the fourth processing submodule is used for determining recommendation weight associated with the financial products according to the average transaction frequency of the financial products to be recommended and the product on-line time; a fifth processing sub-module, configured to determine, based on the recommendation weight, a push identifier for the interactive request content, where the push identifier indicates a push channel and a push trigger mechanism for the interactive request content; and the sixth processing submodule is used for pushing the interactive request content to the target user based on the pushing identification.
Optionally, the user behavior information includes operation record information of the target user for a game application, and the first processing module includes: a seventh processing sub-module, configured to generate operation prompt information for a target game application according to the user attribute information and the operation record information for the game application, and use the operation prompt information as the interaction request content, where the operation prompt information is used to prompt the target user to perform a corresponding operation for the target game application, and the operation includes at least one of: registering operation, signing operation, logging operation, task getting operation, task execution operation and reward getting operation.
Optionally, the second processing module includes: an eighth processing submodule, configured to determine bonus content for the game operation information in response to the received game operation information of the target user; a ninth processing sub-module, configured to determine a login account of the target user, and issue the bonus content to the login account, where the bonus content includes at least one of: points, gifts, coupons, expense fees, and expense discounts.
Optionally, the first processing module includes: the tenth processing submodule is used for determining the network topics with topic participation flow higher than a preset threshold; the eleventh processing submodule is used for determining a target network topic for recommending to a target user according to the topic label of the network topic and according to the interactive reference information; and the twelfth processing submodule is used for generating topic recommendation information aiming at the target network topic and sending the topic recommendation information as interactive request content to the target user.
Another aspect of the present disclosure provides an electronic device comprising one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the methods of embodiments of the present disclosure.
Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions that, when executed, implement the method of embodiments of the present disclosure.
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For a more complete understanding of the present disclosure and the advantages thereof, reference is now made to the following descriptions taken in conjunction with the accompanying drawings, in which,
fig. 1 schematically shows a system architecture of an interaction processing method and apparatus according to an embodiment of the present disclosure;
FIG. 2 schematically shows a flow diagram of a method of interaction processing according to an embodiment of the present disclosure;
FIG. 3 schematically illustrates an architectural diagram of an interactive processing system, according to an embodiment of the present disclosure;
FIG. 4 schematically illustrates a flow chart of a method of determining interactive request content according to an embodiment of the present disclosure;
FIG. 5 schematically illustrates a flow chart of another method of determining interactive request content according to an embodiment of the present disclosure;
FIG. 6 schematically illustrates a flow chart of yet another method of determining interactive request content according to an embodiment of the present disclosure;
FIG. 7 schematically shows a block diagram of an interaction processing device according to an embodiment of the present disclosure;
FIG. 8 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure.
Detailed Description
Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It is to be understood that such description is merely illustrative and not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.
The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, operations, and/or components, but do not preclude the presence or addition of one or more other features, operations, or components.
All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.
Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).
Some block diagrams and/or flow diagrams are shown in the figures. It will be understood that some blocks of the block diagrams and/or flowchart illustrations, or combinations thereof, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable interaction processing apparatus, such that the instructions, which execute via the processor, create means for implementing the functions/acts specified in the block diagrams and/or flowchart block or blocks. The techniques of this disclosure may be implemented in hardware and/or software (including firmware, microcode, etc.). In addition, the techniques of this disclosure may take the form of a computer program product on a computer-readable storage medium having instructions stored thereon for use by or in connection with an instruction execution system.
The embodiment of the disclosure provides an interactive processing method for financial business and an interactive processing device capable of executing the method. The method for distributing the reward content to the login account of the target user comprises the following operations of firstly obtaining interactive reference information, determining interactive request content based on the interactive reference information, pushing the interactive request content to the target user, and finally distributing the reward content to the login account of the target user in response to the received interactive response content of the target user.
Fig. 1 schematically shows a system architecture of an interaction processing method and apparatus according to an embodiment of the present disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.
As shown in fig. 1, the system architecture 100 includes a terminal (a plurality of terminals 101, 102, 103 are shown in the figure) and a server (e.g., server 104), where the server 104 obtains the mutual reference information, and the mutual reference information includes user attribute information and/or user behavior information of the target user, then determines the mutual request content based on the mutual reference information, and pushes the mutual request content to the target user in the terminal (e.g., terminal 101, 102, 103), and finally distributes the reward content to the login account of the target user in response to the received mutual response content of the target user in the terminal (e.g., terminal 101, 102, 103).
It should be noted that the interaction processing method and apparatus of the embodiments of the present disclosure may be used in the financial field, and may also be used in any field other than the financial field. The present disclosure will be described in detail below with reference to the drawings and specific embodiments.
Fig. 2 schematically shows a flowchart of an interaction processing method according to an embodiment of the present disclosure, and as shown in fig. 2, the method 200 may include operations S210 to S230.
In operation S210, cross-reference information is acquired, where the cross-reference information includes user attribute information and/or user behavior information of a target user.
In this embodiment, specifically, the mutual reference information associated with the target user is obtained, where the mutual reference information includes user attribute information and/or user behavior information of the target user. The user attribute information may include user identity information, user occupation information, user credit identification, user credit rating, financial asset balance, user credit record, type of financial product held, and the like. The user behavior information may include financial product transaction information, gaming application operation information, trending topic participation information, consumption evaluation information, and the like. Specifically, the web crawler technology may be utilized to obtain the user behavior information of the target user from the big database, and may also obtain the user attribute information of the target user from the user database associated with the financial application.
Next, in operation S220, interactive request content is determined based on the interactive reference information, and the interactive request content is pushed to the target user.
In this embodiment, specifically, the interactive request content is determined based on the interactive reference information, and the interactive request content may specifically be product recommendation information for a financial product to be recommended, may be operation reminding information for a target game application, may also be topic recommendation information for a target network topic, and may also be evaluation invitation information for a user that has completed consumption. The interactive request content is a targeted interactive request facing a target user, and can be used for developing targeted user activities and increasing the user participation enthusiasm.
The method for pushing the interactive request content to the target user has various choices, and specifically, the interactive request content can be pushed through various pushing channels, and the various pushing channels may include information pushing channels such as floating windows, banners, pop-up windows, pull-down information, directories and the like. Meanwhile, interactive request content pushing can be performed through a plurality of pushing trigger mechanisms, and the plurality of pushing trigger mechanisms can comprise randomness trigger, application starting trigger, preset operation trigger and the like. The interactive request content pushed to the user terminal has a plurality of display modes, the plurality of display modes may include, for example, a region division display, a dynamic display, a static display, a transient display, a persistent display, and the like, and the display mode of the interactive request content may specifically include a text, an image, an audio, a video, and the like.
Next, in operation S230, bonus content is allocated to the login account of the target user in response to the received interactive response content of the target user.
In this embodiment, specifically, after the target user responds to the interactive request content, the interactive response content from the target user is received, where the interactive response content may specifically be a collection operation, a purchase operation, a sharing operation, and the like of the target user for a financial product, or may be a registration operation, a check-in operation, a login operation, a task picking-up operation, a task execution operation, and a reward picking-up operation of the target user for a game application, or may also be a topic participation behavior, a topic sharing behavior, and the like of the target user for a network topic, or may also be an evaluation behavior of the target user for completed consumption, and the like.
And after receiving the interactive response content from the target user, determining the login account of the target user. And determining reward content for being distributed to the login account of the target user according to whether the interactive response content meets the preset requirement or not, or according to the operation type of the interactive response content, wherein the reward content specifically comprises points, gifts, consumption coupons, consumption money, consumption discounts, insurance guarantees, VIP services and the like.
In the embodiment, by acquiring the mutual reference information, the mutual reference information includes user attribute information and/or user behavior information of the target user; determining interactive request content based on the interactive reference information, and pushing the interactive request content to a target user; and responding to the received interactive response content of the target user, and allocating the reward content to the login account of the target user. Based on the user attribute information and/or the user behavior information in the interaction reference information, the interaction request content aiming at the target user is accurately matched, and the interaction processing mode can realize better interaction pertinence and is beneficial to improving the interaction effect and interaction efficiency of the financial business for the internet user.
Fig. 3 schematically shows an architecture diagram of an interactive processing system according to an embodiment of the present disclosure, and as shown in fig. 3, the interactive processing system 300 includes: the system comprises a user portrait module, an interactive operation module and an interactive feedback module, wherein the user portrait module is in communication connection with the interactive operation module, and the interactive operation module is in communication connection with the interactive feedback module. The user portrait module is used for portraying the user of the target user based on the user attribute information and/or the user behavior information of the target user; the interactive operation module is used for determining interactive request content pushed to a target user based on user portrait information of the target user and receiving interactive response content returned by the target user; and the interactive feedback module is used for distributing reward content to the login account of the target user according to the interactive response content returned by the target user.
Fig. 4 schematically shows a flowchart of a method for determining interactive request content according to an embodiment of the present disclosure, and as shown in fig. 4, operation S220 may include operations S410 to S430.
In operation S410, according to the user attribute information and the transaction record information of the user for the financial product, the similarity between different sample users and the target user in the preset user database is determined, wherein the user database includes the user attribute information of each sample user among the different sample users and the transaction record information of each sample user for the financial product.
In this embodiment, specifically, the user database stores the mutual reference information of different sample users, the mutual reference information includes user attribute information and/or user behavior information, and the user behavior information includes transaction record information of the sample users for financial products. User labels for different sample users may be determined based on the cross-reference information, or sample users may be classified into different user clusters based on the cross-reference information. Therefore, the user database may also provide user tag information of the sample user and provide user cluster information to which the sample user belongs.
And determining the similarity between different sample users and target users in the user database according to the user attribute information and the transaction record information of the user for the financial product. Specifically, the similarity between the user of different samples and the target user in the user database may be determined according to the user attribute information, and according to the transaction frequency information, the transaction amount information, and the holding duration information of the user on the financial product, for example, the pearson similarity between the user of different samples and the target user is determined, and the method for determining the pearson similarity may be implemented by using the existing algorithm, which is not described herein in detail in this embodiment.
Next, in operation S420, a preset number of target sample users having the greatest similarity to the target user are determined.
In this embodiment, specifically, based on the similarity degree, a preset number of target sample users with the highest similarity degree with the target user is determined. The user label of the target sample user can be determined as the user label of the target user, and the user cluster to which the target sample user belongs can be determined as the user cluster to which the target user belongs. By determining the preset number of target sample users with the maximum similarity to the target users, the statistical characteristics of the target users can be determined based on the existing user portrait information of the target sample users, the objective user management can be realized, and the objective interaction activities can be developed for the target users.
Next, in operation S430, product recommendation information is generated based on the financial products that the target sample user has purchased, and the product recommendation information is pushed to the target user as the interaction request content.
In this embodiment, specifically, the product recommendation information is generated based on the financial products that have been purchased by the target sample user, or the product recommendation information is generated based on the financial products that have been purchased by the target sample user and that have not been purchased by the target user, and the product recommendation information is used as the interactive request content.
When the interactive request content is pushed to the target user, the recommendation weight associated with the financial product can be determined according to the average transaction frequency of the financial product to be recommended and the product on-line time. Then, a push identifier for the interactive request content is determined based on the recommendation weight, the push identifier indicates a push channel and a push trigger mechanism for the interactive request content, and the interactive request content is pushed to the target user based on the push identifier. Wherein the greater the average transaction frequency, the shorter the product line-up time, and the greater the recommendation weight associated with the financial product.
The recommendation weight associated with the financial product is different, and the push identification of the interactive request content generated based on the financial product is different. The larger the recommendation weight associated with the financial product is, the more easily the push manner of the interactive request content indicated by the push identifier is acquired by the target user.
Fig. 5 schematically shows a flowchart of another method for determining interactive request content according to an embodiment of the present disclosure, and as shown in fig. 5, operation S220 may include operations S510 to S520.
In operation S510, operation presentation information for the target game application is generated according to the user attribute information of the target user and the operation record information for the game application.
In this embodiment, specifically, the operation prompt information is used to prompt the target user to perform a corresponding operation for the target game application, and the operation may include at least one of the following: registering operation, signing operation, logging operation, task getting operation, task execution operation and reward getting operation.
Alternatively, the operation prompt information for the target game application may be generated according to user attribute information such as age, gender, position, and category of credit card held, according to user behavior information such as a life payment record, an investment and financing record, a transfer record, a loan saving record, and a consultation and question-and-answer record, and according to operation record information of the target user for the game application. Illustratively, when the investment financing frequency of the target user is determined to be higher than the preset threshold value according to the user behavior information, the game application generated based on the financing product virtual transaction can be used as the target game application for reminding the target user to operate. The game scene of the game application can be set based on the product details, the virtual transaction scene, the question and answer scene, the transaction rule and other contents, and can also be set based on the pure entertainment function.
Next, in operation S520, the operation prompt information is pushed to the target user as the interactive request content.
In this embodiment, specifically, the operation prompt information for the target game application is pushed to the target user as the interactive request content. Correspondingly, when the target user responds to the interactive request content, the interactive response content is game operation information of the target user. At this time, bonus content for the interactive response content may be determined according to the received game operation information of the target user. Meanwhile, determining a login account of the target user, and issuing the reward content to the login account of the target user, wherein the reward content comprises at least one of the following: points, gifts, coupons, fees, discounts.
Fig. 6 schematically shows a flowchart of still another method for determining interactive request content according to an embodiment of the present disclosure, and as shown in fig. 6, operation S220 may include operations S610 to S630.
In operation S610, a network topic having a topic participation flow higher than a preset threshold is determined.
In the embodiment, specifically, an access log associated with the network topic may be acquired, and the number of accesses, the access frequency, and the average access duration for the network topic are determined based on the access log, so as to determine the topic participation traffic for the network topic. The network topics with topic participation flow higher than the preset threshold value are used as hot network topics, and interaction request content is generated based on the hot network topics, so that the participation enthusiasm of users is improved, and the interaction effect of financial services is improved.
Next, in operation S620, a target network topic for recommendation to a target user is determined according to the topic tag of the network topic and according to the cross-reference information.
In the embodiment, specifically, according to the topic tag of the network topic, the topic tag indicates information such as the topic type, the topic audience, the topic origin, the topic popularity rank, the topic popularity growth trend, and the like of the network topic, and meanwhile, according to the user attribute information and/or the user behavior information of the target user, the target network topic for recommendation to the target user is determined.
Next, in operation S630, topic recommendation information for the target network topic is generated and transmitted to the target user as an interaction request content.
In the present embodiment, specifically, topic recommendation information for a target network topic is generated to request a user to participate in discussing the target network topic. And pushing the topic recommendation information to the target user as interactive request content, and determining reward content distributed to a login account of the target user based on the received interactive response content of the target user.
In addition, evaluation invitation information aiming at the completed consumption can be generated according to the user attribute information and the consumption record information of the target user, and the evaluation invitation information is pushed to the target user as interactive request content to remind the target user to evaluate the completed consumption. Or, sharing invitation information aiming at financial products, game applications, network topics and application services can be generated to remind a target user to share related financial businesses, so that the participation enthusiasm of the user is improved, and the user viscosity and the user contribution degree are improved.
Fig. 7 schematically shows a block diagram of an interaction processing device according to an embodiment of the present disclosure.
As shown in fig. 7, the interaction processing apparatus 700 includes an obtaining module 701, a first processing module 702, and a second processing module 703.
Specifically, the obtaining module 701 is configured to obtain mutual reference information, where the mutual reference information includes user attribute information and/or user behavior information of a target user; a first processing module 702, configured to determine interaction request content based on the interaction reference information, and push the interaction request content to the target user; the second processing module 703 is configured to, in response to the received interactive response content of the target user, allocate bonus content to the login account of the target user.
In the embodiment, by acquiring the mutual reference information, the mutual reference information includes user attribute information and/or user behavior information of the target user; determining interactive request content based on the interactive reference information, and pushing the interactive request content to a target user; and responding to the received interactive response content of the target user, and allocating the reward content to the login account of the target user. Based on the user attribute information and/or the user behavior information in the interaction reference information, the interaction request content aiming at the target user is accurately matched, and the interaction processing mode can realize better interaction pertinence and is beneficial to improving the interaction effect and interaction efficiency of the financial business for the internet user.
As a possible embodiment, the user behavior information includes transaction record information of the target user for the financial product, and the first processing module includes: the first processing submodule is used for determining the similarity between different sample users and a target user in a preset user database according to the user attribute information and the transaction record information of the user for the financial product, wherein the user database comprises the user attribute information of each sample user in different sample users and the transaction record information of each sample user for the financial product; the second processing submodule is used for determining a preset number of target sample users with the maximum similarity to the target users; and the third processing submodule is used for generating product recommendation information based on the financial products purchased by the target sample user and using the product recommendation information as the interactive request content.
As a possible embodiment, the user attribute information includes at least one of: user credit identification, user credit rating, financial asset balance, user credit record, type of financial product held.
As a possible embodiment, the first processing module includes: the fourth processing submodule is used for determining recommendation weight associated with the financial products according to the average transaction frequency of the financial products to be recommended and the product online time; a fifth processing submodule, configured to determine, based on the recommendation weight, a push identifier for the interactive request content, where the push identifier indicates a push channel and a push trigger mechanism for the interactive request content; and the sixth processing submodule is used for pushing the interactive request content to the target user based on the pushing identification.
As a possible embodiment, the user behavior information includes operation record information of the target user for the game application, and the first processing module includes: the seventh processing sub-module is configured to generate operation prompt information for the target game application according to the user attribute information and the operation record information for the game application, and use the operation prompt information as an interaction request content, where the operation prompt information is used to remind a target user to perform a corresponding operation for the target game application, and the operation includes at least one of: registering operation, signing operation, logging operation, task getting operation, task execution operation and reward getting operation.
As a possible embodiment, the second processing module includes: the eighth processing submodule is used for responding to the received game operation information of the target user and determining the reward content aiming at the game operation information; the ninth processing submodule is used for determining a login account of the target user and issuing the reward content to the login account, wherein the reward content comprises at least one of the following: points, gifts, coupons, expense fees, and expense discounts.
As a possible embodiment, the first processing module includes: the tenth processing submodule is used for determining the network topics with topic participation flow higher than a preset threshold; the eleventh processing submodule is used for determining a target network topic for recommending to a target user according to the topic label of the network topic and according to the interactive reference information; and the twelfth processing submodule is used for generating topic recommendation information aiming at the target network topic and sending the topic recommendation information as interactive request content to the target user.
It should be noted that, in the embodiments of the present disclosure, the implementation of the apparatus portion is the same as or similar to the implementation of the method portion, and is not described herein again.
Any of the modules according to embodiments of the present disclosure, or at least part of the functionality of any of them, may be implemented in one module. Any one or more of the modules according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules according to the embodiments of the present disclosure may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in any other reasonable manner of hardware or firmware by integrating or packaging the circuit, or in any one of three implementations, or in any suitable combination of any of the software, hardware, and firmware. Or one or more of the modules according to embodiments of the disclosure, may be implemented at least partly as computer program modules which, when executed, may perform corresponding functions.
For example, any plurality of the obtaining module 701, the first processing module 702 and the second processing module 703 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the obtaining module 701, the first processing module 702, and the second processing module 703 may be implemented at least in part as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or any suitable combination of any of them. At least one of the obtaining module 701, the first processing module 702 and the second processing module 703 may be at least partly implemented as a computer program module, which, when executed, may perform a corresponding function.
FIG. 8 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure. The electronic device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.
As shown in fig. 8, electronic device 800 includes a processor 810, a computer-readable storage medium 820. The electronic device 800 may perform a method according to an embodiment of the disclosure.
In particular, processor 810 may include, for example, a general purpose microprocessor, an instruction set processor and/or related chip set and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), and/or the like. The processor 810 may also include on-board memory for caching purposes. Processor 810 may be a single processing module or a plurality of processing modules for performing different actions of a method flow according to embodiments of the disclosure.
Computer-readable storage medium 820, for example, may be a non-volatile computer-readable storage medium, specific examples including, but not limited to: magnetic storage devices, such as magnetic tape or Hard Disk Drives (HDDs); optical storage devices, such as compact disks (CD-ROMs); a memory, such as a Random Access Memory (RAM) or a flash memory; and so on.
The computer-readable storage medium 820 may include a computer program 821, which computer program 821 may include code/computer-executable instructions that, when executed by the processor 810, cause the processor 810 to perform a method according to an embodiment of the present disclosure, or any variation thereof.
The computer program 821 may be configured with, for example, computer program code comprising computer program modules. For example, in an example embodiment, code in computer program 821 may include one or more program modules, including for example 821A, modules 821B, … …. It should be noted that the division and number of modules are not fixed, and those skilled in the art may use suitable program modules or program module combinations according to actual situations, and when the program modules are executed by the processor 810, the processor 810 may execute the method according to the embodiment of the present disclosure or any variation thereof.
According to an embodiment of the present disclosure, at least one of the obtaining module 701, the first processing module 702, and the second processing module 703 may be implemented as a computer program module described with reference to fig. 8, which, when executed by the processor 810, may implement the respective operations described above.
The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
It will be understood by those skilled in the art that while the present disclosure has been shown and described with reference to certain exemplary embodiments thereof, it will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present disclosure as defined by the appended claims and their equivalents. Accordingly, the scope of the present disclosure should not be limited to the above-described embodiments, but should be defined not only by the appended claims, but also by equivalents thereof.
Claims (10)
1. An interactive processing method for financial business, comprising:
acquiring interactive reference information, wherein the interactive reference information comprises user attribute information and/or user behavior information of a target user;
determining interactive request content based on the interactive reference information, and pushing the interactive request content to the target user;
and responding to the received interactive response content of the target user, and allocating reward content to the login account of the target user.
2. The method of claim 1, wherein the user behavior information includes transaction record information of the target user for a financial product, the determining interactive request content based on the interactive reference information includes:
determining the similarity between different sample users in a preset user database and the target user according to the user attribute information and the transaction record information of the user for the financial product, wherein the user database comprises the user attribute information of each sample user in different sample users and the transaction record information of each sample user for the financial product;
determining a preset number of target sample users with the maximum similarity to the target users;
and generating product recommendation information based on the financial products purchased by the target sample user, and using the product recommendation information as the interactive request content.
3. The method of claim 2, wherein the user attribute information comprises at least one of: user credit identification, user credit rating, financial asset balance, user credit record, type of financial product held.
4. The method of claim 2 or 3, wherein the pushing the interactive request content to the target user comprises:
determining a recommendation weight associated with a financial product to be recommended according to the average transaction frequency of the financial product and the product on-line time;
determining a push identifier for the interactive request content based on the recommendation weight, wherein the push identifier indicates a push channel and a push trigger mechanism for the interactive request content;
and pushing the interactive request content to the target user based on the pushing identification.
5. The method of claim 1, wherein the user behavior information comprises operation record information of the target user for a game application, and the determining interactive request content based on the interactive reference information comprises:
generating operation prompt information aiming at the target game application according to the user attribute information and the operation record information aiming at the game application, and taking the operation prompt information as the interactive request content,
the operation prompt information is used for reminding the target user of performing corresponding operation aiming at the target game application, and the operation comprises at least one of the following operations: registering operation, signing operation, logging operation, task getting operation, task execution operation and reward getting operation.
6. The method of claim 5, wherein the assigning bonus content to the target user's login account in response to the received interactive response content of the target user comprises:
in response to the received game operation information of the target user, determining bonus content aiming at the game operation information;
determining a login account of the target user, and issuing the reward content to the login account, wherein the reward content comprises at least one of the following: points, gifts, coupons, expense fees, and expense discounts.
7. The method of claim 1, wherein the determining interactive request content based on the interactive reference information and pushing the interactive request content to the target user comprises:
determining network topics with topic participation flow higher than a preset threshold;
determining a target network topic for recommending to a target user according to the topic label of the network topic and according to the interactive reference information;
generating topic recommendation information aiming at the target network topic, and sending the topic recommendation information as interactive request content to the target user.
8. An interaction processing apparatus for financial transactions, comprising:
the system comprises an acquisition module, a processing module and a display module, wherein the acquisition module is used for acquiring interactive reference information, and the interactive reference information comprises user attribute information and/or user behavior information of a target user;
the first processing module is used for determining interactive request content based on the interactive reference information and pushing the interactive request content to the target user;
and the second processing module is used for responding to the received interactive response content of the target user and distributing the reward content to the login account of the target user.
9. An electronic device, comprising:
one or more processors; and
a memory for storing one or more programs,
wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-7.
10. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to carry out the method of any one of claims 1 to 7.
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