CN113724019B - Online financial service sharing method and device, storage medium and electronic equipment - Google Patents
Online financial service sharing method and device, storage medium and electronic equipment Download PDFInfo
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Abstract
The invention provides a sharing method and device of online financial business, a storage medium and electronic equipment, wherein the method comprises the following steps: when receiving the activation information of the online financial service sent by the user, determining a reward rule corresponding to the user according to the extracted characteristic information of the user, and generating an active set corresponding to the reward rule, wherein the active set comprises at least one recommended activity corresponding to the online financial service; for each recommended activity selected by the user in the activity set, when the user shares the recommended activity to the client specified by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. Personalized rewarding rules are customized for users, recommended activities corresponding to the rewarding rules are generated, and after the recommended activities are shared by the users, the users send activity rewards to the users, so that the online financial service acquisition range can be enlarged, and the online financial service acquisition efficiency can be improved.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a sharing method and device of online financial business, a storage medium and electronic equipment.
Background
With the development of the internet, internet finance is increasingly and widely applied to various scenes such as work and life. In order to meet the demands of different customers, various financial products are continuously offered by various banks or financial institutions providing financial services, wherein in order to provide convenience for customers, various online financial services, such as online loan services, online financial services and the like, are offered by various banks and financial institutions.
For online financial services, the customer application amount is a very important operation index, and in order to make online financial services continuously profitable and developed, a large number of customer groups are required to use the online financial services. Traditional online financial business is promoted and promoted mainly through modes such as marketing of offline business personnel to obtain the customer, and this kind of promotion and promotion mode is limited to online financial business's propaganda scope, makes online financial business's acquisition rate low.
Disclosure of Invention
In view of this, the invention provides a sharing method and device, a storage medium and an electronic device for online financial services, which customize personalized rewarding rules for users based on characteristic information of the users, generate an active set corresponding to the rewarding rules, and enable the users to issue active rewards to the users by sharing recommended activities to designated clients, thereby expanding the sharing range of online financial services, expanding the acquisition range of online financial services, stimulating the users to share recommended activities, and improving the acquisition efficiency.
In order to achieve the above object, the embodiment of the present invention provides the following technical solutions:
a sharing method of online financial business comprises the following steps:
when receiving the activation information of the online financial service sent by the user, extracting the characteristic information of the user;
determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the active set to the user to determine at least one recommended activity selected by the user from the active set;
for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
In the above method, optionally, before extracting the feature information of the user, the method further includes:
judging whether the user is a new user or not;
if the user is a new user, determining whether the user is an invited user based on the activation information;
if the user is an invited user, a user invitation code in the activation information is acquired, an inviter is determined based on the invitation code, the user and the inviter are bound, a preset new rewards are issued to the user, and corresponding activity rewards are issued to the inviter and the user based on rewarding rules of the inviter.
The method, optionally, according to the feature information, determines a reward rule corresponding to the user, including:
based on the characteristic information of the user, evaluating the acquisition capacity of the user to obtain the acquisition evaluation grade of the user;
and determining each rewarding mode corresponding to the user in a preset rewarding database based on the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode.
The method, optionally, the generating an active set corresponding to the rewarding rule includes:
determining each rewarding mode in the rewarding rule;
for each rewarding mode, generating recommended activities corresponding to the online financial business based on the characteristic information and the activity content of the online financial business;
and obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
In the above method, optionally, the determining whether the user is a new user includes:
acquiring user information of the user;
traversing the user information to each piece of activated user information in a preset user information base, determining that the user is a new user when the activated user information which is the same as the user information does not exist in the user information base, and storing the user information as the activated user information in the user information base.
The method, optionally, the determining whether the user is an invited user based on the activation information includes:
analyzing the activation information to determine whether the activation information contains an invitation identifier;
and if the activation information contains the invitation identifier, determining the user as an invited user.
An online financial service sharing device, comprising:
the extraction unit is used for extracting the characteristic information of the user when receiving the activation information of the online financial service sent by the user;
the first determining unit is used for determining a reward rule corresponding to the user according to the characteristic information and generating an active set corresponding to the reward rule, wherein the active set comprises at least one recommended activity corresponding to the online financial service;
a pushing unit, configured to push the activity set to the user, so as to determine at least one recommended activity selected by the user in the activity set;
and the sharing unit is used for determining that the user completes the recommended activity when the user shares the recommended activity to the client specified by the recommended activity for each recommended activity selected by the user, and issuing an activity reward corresponding to the recommended activity to the user.
The above device, optionally, further comprises:
a judging unit, configured to judge whether the user is a new user;
a second determining unit, configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
the acquisition unit is used for acquiring the user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user with the inviter, issuing a preset new rewards to the user and issuing corresponding activity rewards to the inviter and the user based on rewarding rules of the inviter.
The above apparatus, optionally, the first determining unit includes:
the evaluation subunit is used for evaluating the acquisition capacity of the user based on the characteristic information of the user to obtain the acquisition evaluation grade of the user;
and the first determining subunit is used for determining each rewarding mode corresponding to the user in a preset rewarding database based on the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode.
The above apparatus, optionally, the first determining unit includes:
a second determining subunit, configured to determine each rewarding mode in the rewarding rule;
a generating subunit, configured to generate, for each rewarding manner, a recommended activity corresponding to the online financial service based on the feature information and activity content of the online financial service;
and the obtaining subunit is used for obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
The above device, optionally, the determining unit includes:
an acquisition subunit, configured to acquire user information of the user;
and the traversing subunit is used for traversing the user information into each piece of activated user information in a preset user information base, determining the user as a new user when the activated user information which is the same as the user information does not exist in the user information base, and storing the user information as the activated user information into the user information base.
The above apparatus, optionally, the second determining unit includes:
the analysis subunit is used for analyzing the activation information and determining whether the activation information contains an invitation identifier or not;
and the third determination subunit is used for determining that the user is an invited user if the activation information contains the invitation identifier.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium resides to perform the method of sharing online financial services described above.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to perform the method of sharing online financial services described above by one or more processors.
Compared with the prior art, the method has the following advantages:
the invention provides a sharing method and device of online financial business, a storage medium and electronic equipment, wherein the method comprises the following steps: when receiving the activation information of the online financial service sent by the user, extracting the characteristic information of the user; determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. By customizing personalized rewarding rules for users, recommendation activities corresponding to the rewarding rules are generated, and when the users share the recommendation activities with appointed clients, activity rewards can be issued to the users, so that the sharing range of online financial services can be expanded through the sharing of the users, the limitation of the propaganda range of the online financial services is effectively broken, the possibility of acquiring the online financial services is improved, the acquisition efficiency of the online financial services is further improved, the input cost is low, the acquired client reliability is higher, a benign circulation effect can be achieved through the continuous sharing mode of the users, and the acquisition efficiency of the online financial services can be expanded.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flowchart of a method for sharing online financial services according to an embodiment of the present invention;
FIG. 2 is a flowchart of another method for sharing online financial services according to an embodiment of the present invention;
FIG. 3 is a flowchart of a method for sharing online financial services according to an embodiment of the present invention;
FIG. 4 is a flowchart of another method for sharing online financial services according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of an online financial service sharing device according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. 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 apparatus that comprises the element.
As known from the background art, the current online financial business is mainly achieved by propaganda and popularization by offline business personnel, and the current online financial business is limited to customers who contact with the business personnel, so that the online financial business has a great limitation on the acquisition range and low acquisition efficiency. In order to solve the problem, the invention provides a brand new passenger acquisition mode, and clients share the recommended activities related to the online financial service, so that the online financial service is shared, the propaganda range of the online financial service is enlarged, and the passenger acquisition rate of the online financial service is improved.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor devices, distributed computing environments that include any of the above devices or devices, and the like. The invention can be applied to a service management system, the system can be composed of a computer terminal or distributed intelligent equipment, and an execution subject can be a processor or a server of the service management system.
Referring to fig. 1, a flowchart of one method of the online financial service sharing method provided by the embodiment of the present invention is specifically described below:
s101, extracting characteristic information of a user when receiving activation information of online financial service sent by the user.
In the method provided by the embodiment of the invention, the online financial business is particularly such as petty loan business, business loan business, network consumption loan and other financial businesses in banks.
The activation information is used for activating the online financial service, after the online financial service is activated, the user can use the terminal to use the online financial service through the network, and the activation information contains specific information required for activating the online financial service, such as service information, activated content, user name, activation time and the like.
In the method provided by the embodiment of the invention, before extracting the characteristic information of the user, whether a preset new person rewards need to be issued to the user or not can also be determined, and the specific process is shown in fig. 2, and the specific description is as follows:
s201, judging whether the user is a new user or not; if the user is a new user, S202 is executed; if the user is not a new user, S204 is performed.
The specific process of determining whether a user is a new user is as follows:
acquiring user information of the user;
traversing the user information to each piece of activated user information in a preset user information base, determining that the user is a new user when the activated user information which is the same as the user information does not exist in the user information base, and storing the user information as registered information in the user information base; further, when the same activated user information as the user information exists in the user information base, it is determined that the user is not a new user.
The user information of the user comprises basic identity information such as a user number, a user name, an identity card number and the like; the user information base is used for storing information of users who have activated online financial services, and specifically, the information of the users stored in the user information base can be called activated user information.
The user information of the user is traversed through the user information base, so that whether the user is a new user or not is judged, the type of the user can be further determined based on the user information of the user, and powerful evidence and evidence are awarded for the new person to the user or not.
S202, determining whether the user is an invited user or not based on the activation information; if the user is an invited user, executing S203; if the user is not an invited user, S205 is performed.
When determining whether the user is an invited user, analyzing the activation information, and determining whether the activation information contains an invitation identifier; if the activation information contains the invitation identifier, determining that the user is an invited user; and if the activation information does not contain the invitation identifier, determining that the user is not an invited user.
In the method provided by the embodiment of the invention, the invitation identifier can be a user invitation code of the inviter, the user invitation code has uniqueness, each inviter corresponds to one invitation code, and specifically, the invitation identifier can be generated according to the identity card number and the mobile phone number of the inviter when the user invitation code is distributed to the inviter, a random number generation algorithm can be used for randomly generating a data string with uniqueness, and the data string is used as the user invitation code of the inviter.
Further, when it is determined that the user is not an invited user, the feature information of the user may be directly extracted, and further S102 is continuously performed.
S203, acquiring a user invitation code in the activation information, determining an inviter based on the invitation code, binding the user with the inviter, issuing a preset new rewards to the user, and issuing corresponding activity rewards to the inviter and the user based on rewards rules of the inviter.
When the user is an invited user, the user invitation code is contained in the activation information sent by the user, and the activation information is analyzed, so that the user invitation code in the activation information is obtained.
After binding the user and the inviter, a preset new person rewards are sent to the user, and further, under the condition that the online financial service is a network loan, the new person rewards comprise an early repayment coupon, a threshold-free coupon, a penalty coupon, a benefit rate coupon and the like. The activity rewards specifically include interest rate rewards, fine rewards, advance repayment rewards, default price rewards and the like. Further, the rewards included in the new person rewards and the rewards included in the activity rewards may be the same or different.
S204, determining that a preset new person rewards are not required to be issued to the user.
S205, determining that a preset new person rewards need to be issued to the user.
In the method provided by the embodiment of the invention, before the characteristic information of the user is extracted, whether the user needs to be awarded with a new person or not can be firstly judged, so that when the user is a new user, pedestrian rewards can be issued to the user, and when the user is a new user and is an invitee, active rewards are issued to both the user and the inviter, therefore, the user and the inviter can be stimulated to continuously invite other users through rewarding the user and the inviter, further rewards can be obtained, the client quantity of online financial services is increased, and the acquisition efficiency of the online financial services is improved.
In the method provided by the embodiment of the invention, the specific process of extracting the characteristic information of the user comprises the following steps: acquiring basic information of a user, and extracting characteristic information of the user from the basic information; the basic information of the user comprises information such as the name, age, current residence, occupation and the like of the user, and the characteristic information comprises the region, age, income level and occupation of the user.
S102, determining a reward rule corresponding to the user according to the characteristic information, and generating an active set corresponding to the reward rule, wherein the active set comprises at least one recommended activity corresponding to the online financial service.
In the method provided by the embodiment of the invention, the rewarding rule of each user is personalized and customized according to the characteristic information of the user, and the rewarding rule is the rule which is most in line with the user.
Referring to fig. 3, a flowchart of a method for determining a reward rule corresponding to a user according to an embodiment of the present invention is specifically described below:
s301, based on the characteristic information of the user, evaluating the acquisition capacity of the user to obtain the acquisition evaluation grade of the user.
And evaluating the acquisition capacity of the user through the characteristic information of the user so as to obtain the acquisition evaluation grade of the user, wherein the higher the acquisition evaluation grade is, the stronger the acquisition capacity of the user is. In the process of evaluating the guest availability of the user, a pre-trained evaluation model can be used for evaluating the guest availability of the user, wherein the characteristic information of the user is used as the input quantity of the evaluation model, and the guest availability evaluation grade of the user is output after the characteristic information is processed by the evaluation model.
S302, determining each rewarding mode corresponding to the user in a preset rewarding database based on the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode.
A plurality of rewarding modes are preset in a rewarding database, such as coupon rewarding, interest rate rewarding, repayment preferential rewarding and deposit breaking preferential rewarding; and determining each rewarding mode corresponding to the user in a preset rewarding database according to the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user according to each rewarding mode.
The evaluation level and the characteristic information of the obtained guest corresponding to each rewarding mode are different, specifically, the method comprises the following steps: when the feature information contains student features, rewards contain coupon rewards and pay-off preferential rewards in advance; when the guest evaluation level is high, the amount of the discount in the coupon reward may be 100 yuan, and it should be noted that the higher the guest evaluation level is, the higher the amount of the discount in the coupon reward is.
In the method provided by the embodiment of the invention, based on the characteristic information of the user, personalized rewarding rules can be customized for the user, so that the rewarding rules which are most in line with the user can be provided for the user, the user is further stimulated to share the online financial service for other users, and a large number of client groups can be brought for the online financial service.
In the method provided by the embodiment of the invention, after determining the rewarding rule of the user, an active set of the user is generated, and referring to fig. 4, a flowchart of generating the active set corresponding to the rewarding rule for the embodiment of the invention is specifically described as follows:
s401, determining each rewarding mode in the rewarding rule.
S402, generating recommended activities corresponding to the online financial business based on the characteristic information and the activity content of the online financial business for each rewarding mode.
And generating a recommended activity of each rewarding mode, and generating the recommended activity according to the characteristic information and the activity content of the online financial service when generating the recommended activity.
Each of the recommended activities includes a user invitation code of the user, and the activity content of the online financial service may include service content of the online financial service, introduction about the online financial service, and the like. The recommended activities also contain content such as designated sharing groups, rewards for participating in the activities, and the like.
S403, obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
In the method provided by the embodiment of the invention, each recommended activity in the generated activity set is an activity customized for the user, so that the user can be stimulated to participate in the recommended activity, the acquisition range of the online financial service is increased, and the acquisition efficiency of the online financial service is improved.
And S103, pushing the activity set to the user, and determining at least one recommended activity selected by the user from the activity set.
After pushing the active set to the user, the user may select a recommended activity from the active set according to the requirement, and when the user selects the recommended activity, at least one of the recommended activities is selected by the user, so as to execute S103. In the method provided by the embodiment of the invention, the user does not select the recommended activity, and when the user does not select the recommended activity, the S104 is not required to be executed, and the online activity sharing flow is ended.
S104, for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
After the user selects the recommended activity, the user shares the recommended activity to the client specified by the recommended activity, thereby determining that the user finishes the recommended activity and issuing an activity reward corresponding to the recommended activity to the user. Preferably, the client specified by the recommended activity in the invention can be any contact in the contact list of the user, and the contact can be a person who has activated the online financial service or a person who has not activated the online financial service; further, the customer to which the recommended activity refers may also be a user who is not located in the contact list of the user and has not activated the online financial service.
In the method provided by the embodiment of the invention, the user shares the recommended activity to the client appointed by the recommended activity, so that the sharing range of the online financial service can be effectively enlarged, the acquisition range of the online financial service is enlarged, the possibility of acquiring the online financial service is increased, and the acquisition efficiency of the online financial service is improved.
In the method provided by the embodiment of the invention, when the activation information of the online financial service sent by the user is received, the characteristic information of the user is extracted; determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. According to the online financial service online rewarding method, the recommendation activities corresponding to the rewarding rules are generated through customizing the personalized rewarding rules for the users, and when the users share the recommendation activities with the appointed clients, the user can be issued with the activity rewards, so that the sharing range of the online financial service can be enlarged through sharing of the users, the limitation of the online financial service propaganda range is effectively broken, the possibility of acquiring passengers is improved, the passenger acquiring efficiency of the online financial service is further improved, the input cost is low, the acquired client reliability is higher, and a benign circulation effect can be achieved through a continuous sharing mode of the users, so that the passenger acquiring efficiency of the online financial service can be enlarged.
Corresponding to the method shown in fig. 1, the embodiment of the invention provides a sharing device of online financial service, which can be applied to a computer terminal, and is used for supporting the application of the method shown in fig. 1 in real life, and the structural schematic diagram of the device is shown in fig. 5, and the specific description is as follows:
an extracting unit 501, configured to extract feature information of a user when receiving activation information of an online financial service sent by the user;
a first determining unit 502, configured to determine, according to the feature information, a reward rule corresponding to the user, and generate an activity set corresponding to the reward rule, where the activity set includes at least one recommended activity corresponding to the online financial service;
a pushing unit 503, configured to push the activity set to the user, so as to determine at least one recommended activity selected by the user in the activity set;
and the sharing unit 504 is configured to determine, for each recommended activity selected by the user, that the user completes the recommended activity when the user shares the recommended activity to a client specified by the recommended activity, and issue an activity reward corresponding to the recommended activity to the user.
In the device provided by the embodiment of the invention, when the on-line finance activation information sent by the user is received, the characteristic information of the user is extracted; determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; for each recommended activity selected by the user, when the user shares the recommended activity to the client specified by the recommended activity, determining that the user completes the recommended activity, and issuing an activity rewards corresponding to the recommended activity to the user. Based on the characteristic information of the user, customizing personalized rewarding rules for the user, and generating a recommendation set corresponding to the rewarding rules; for each recommended activity selected by the user in the recommended set, when the user shares the recommended activity to the corresponding client, the user is determined to finish the recommended activity and the activity rewards are shared to the user, so that the propaganda range of the online financial service can be enlarged, the possibility of acquiring the online financial service can be enlarged, and the acquisition efficiency of the online financial service can be improved.
In the device provided by the embodiment of the invention, the device can be further configured as follows:
a judging unit, configured to judge whether the user is a new user;
a second determining unit, configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
the acquisition unit is used for acquiring the user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user with the inviter, issuing a preset new rewards to the user and issuing corresponding activity rewards to the inviter and the user based on rewarding rules of the inviter.
In the apparatus provided by the embodiment of the present invention, the first determining unit 502 may be configured to:
the evaluation subunit is used for evaluating the acquisition capacity of the user based on the characteristic information of the user to obtain the acquisition evaluation grade of the user;
and the first determining subunit is used for determining each rewarding mode corresponding to the user in a preset rewarding database based on the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode.
In the apparatus provided by the embodiment of the present invention, the first determining unit 502 may be configured to:
a second determining subunit, configured to determine each rewarding mode in the rewarding rule;
a generating subunit, configured to generate, for each rewarding manner, a recommended activity corresponding to the online financial service based on the feature information and activity content of the online financial service;
and the obtaining subunit is used for obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
In the apparatus provided by the embodiment of the present invention, the determining unit may be configured to:
an acquisition subunit, configured to acquire user information of the user;
and the traversing subunit is used for traversing the user information into each piece of activated user information in a preset user information base, determining the user as a new user when the activated user information which is the same as the user information does not exist in the user information base, and storing the user information as the activated user information into the user information base.
In the apparatus provided by the embodiment of the present invention, the second determining unit may be configured to:
the analysis subunit is used for analyzing the activation information and determining whether the activation information contains an invitation identifier or not;
and the third determination subunit is used for determining that the user is an invited user if the activation information contains the invitation identifier.
The embodiment of the invention also provides a storage medium, which comprises stored instructions, wherein when the instructions run, the equipment where the storage medium is controlled to execute the following operations:
when receiving the activation information of the online financial service sent by the user, extracting the characteristic information of the user;
determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the active set to the user to determine at least one recommended activity selected by the user from the active set;
for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
The embodiment of the present invention further provides an electronic device, whose structural schematic diagram is shown in fig. 6, specifically including a memory 601, and one or more instructions 602, where the one or more instructions 602 are stored in the memory 601, and configured to be executed by the one or more processors 603, where the one or more instructions 602 perform the following operations:
when receiving the activation information of the online financial service sent by the user, extracting the characteristic information of the user;
determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the active set to the user to determine at least one recommended activity selected by the user from the active set;
for each recommended activity selected by the user, when the user shares the recommended activity to a client designated by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
The specific implementation process and derivative manner of the above embodiments are all within the protection scope of the present invention.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (8)
1. The sharing method of the online financial business is characterized by comprising the following steps of:
when receiving the activation information of the online financial service sent by the user, extracting the characteristic information of the user;
determining a reward rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the reward rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the active set to the user to determine at least one recommended activity selected by the user from the active set;
for each recommended activity selected by the user, when the user shares the recommended activity to a client specified by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user;
wherein, determining the rewarding rule corresponding to the user according to the characteristic information comprises:
based on the characteristic information of the user, evaluating the acquisition capacity of the user to obtain the acquisition evaluation grade of the user;
determining each rewarding mode corresponding to the user in a preset rewarding database based on the passenger acquisition evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode;
wherein the generating an active set corresponding to the reward rule includes:
determining each rewarding mode in the rewarding rule;
for each rewarding mode, generating recommended activities corresponding to the online financial business based on the characteristic information and the activity content of the online financial business;
and obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
2. The method of claim 1, wherein prior to extracting the characteristic information of the user, further comprising:
judging whether the user is a new user or not;
if the user is a new user, determining whether the user is an invited user based on the activation information;
if the user is an invited user, a user invitation code in the activation information is acquired, an inviter is determined based on the invitation code, the user and the inviter are bound, a preset new rewards are issued to the user, and corresponding activity rewards are issued to the inviter and the user based on rewarding rules of the inviter.
3. The method of claim 2, wherein said determining whether the user is a new user comprises:
acquiring user information of the user;
traversing the user information to each piece of activated user information in a preset user information base, determining that the user is a new user when the activated user information which is the same as the user information does not exist in the user information base, and storing the user information as the activated user information in the user information base.
4. The method of claim 2, wherein the determining whether the user is an invited user based on the activation information comprises:
analyzing the activation information to determine whether the activation information contains an invitation identifier;
and if the activation information contains the invitation identifier, determining the user as an invited user.
5. The utility model provides a sharing device of online financial business which characterized in that includes:
the extraction unit is used for extracting the characteristic information of the user when receiving the activation information of the online financial service sent by the user;
the first determining unit is used for determining a reward rule corresponding to the user according to the characteristic information and generating an active set corresponding to the reward rule, wherein the active set comprises at least one recommended activity corresponding to the online financial service;
a pushing unit, configured to push the activity set to the user, so as to determine at least one recommended activity selected by the user in the activity set;
the sharing unit is used for determining that the user completes the recommended activities when the user shares the recommended activities to the clients designated by the recommended activities for each recommended activity selected by the user, and issuing an activity reward corresponding to the recommended activities to the user;
wherein the first determining unit includes:
the evaluation subunit is used for evaluating the acquisition capacity of the user based on the characteristic information of the user to obtain the acquisition evaluation grade of the user;
the first determining subunit is used for determining each rewarding mode corresponding to the user in a preset rewarding database based on the guest obtaining evaluation grade and the characteristic information of the user, and forming a rewarding rule corresponding to the user based on each rewarding mode;
wherein the first determining unit includes:
a second determining subunit, configured to determine each rewarding mode in the rewarding rule;
a generating subunit, configured to generate, for each rewarding manner, a recommended activity corresponding to the online financial service based on the feature information and activity content of the online financial service;
and the obtaining subunit is used for obtaining an activity set corresponding to the rewarding rule based on each recommended activity.
6. The apparatus as recited in claim 5, further comprising:
a judging unit, configured to judge whether the user is a new user;
a second determining unit, configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
the acquisition unit is used for acquiring the user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user with the inviter, issuing a preset new rewards to the user and issuing corresponding activity rewards to the inviter and the user based on rewarding rules of the inviter.
7. A storage medium comprising stored instructions, wherein the instructions, when executed, control a device in which the storage medium is located to perform the sharing method of online financial services according to any one of claims 1-4.
8. An electronic device comprising a memory and one or more instructions, wherein the one or more instructions are stored in the memory and configured to perform the method of sharing online financial services of any of claims 1-4 by one or more processors.
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