CN113961723A

CN113961723A - Credit card rights status updating method, device, electronic equipment and storage medium

Info

Publication number: CN113961723A
Application number: CN202111335914.XA
Authority: CN
Inventors: 王玉龙
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-11-11
Filing date: 2021-11-11
Publication date: 2022-01-21

Abstract

The present disclosure provides a method, an apparatus, an electronic device, a storage medium, and a computer program product for updating a credit card entitlement status, which may be applied to the financial field or other fields. The method for updating the credit card equity status comprises the following steps: acquiring business data related to the credit card, wherein the business data comprises basic information and rights and interests information of the credit card; establishing a credit card knowledge map according to the basic information and the rights and interests information of the credit card; updating the credit card knowledge map when the basic information and/or the rights and interests information of the credit card are updated; and at least acquiring updated rights and interests information according to the updated credit card knowledge graph, and pushing the updated rights and interests information to the corresponding user.

Description

Credit card rights status updating method, device, electronic equipment and storage medium

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method and an apparatus for updating a credit card equity status, an electronic device, and a storage medium.

Background

As the use of credit cards has become popular, there are more and more types of credit cards, each of which may have different credit card benefits, but some of which are common to cards of the same brand, which complicates the relationship between credit cards and benefits. At present, the rights and interests state updating method for credit cards is mainly carried out by adopting a manual screening mode, however, in the face of complex relationships among various credit cards and rights and interests, users can not obtain updated information in time only by adopting the manual screening mode, so that the users cannot enjoy the latest rights and interests, and even unnecessary property loss can be caused.

Disclosure of Invention

In view of the above, the present disclosure provides a method, an apparatus, an electronic device, a storage medium, and a computer program product for updating a credit card entitlement status.

According to an aspect of the present disclosure, there is provided a method for updating a credit card entitlement status, including:

acquiring business data related to the credit card, wherein the business data comprises basic information and rights and interests information of the credit card;

establishing a credit card knowledge map according to the basic information and the rights and interests information of the credit card;

updating the credit card knowledge map when the basic information and/or the rights and interests information of the credit card are updated;

and at least acquiring updated rights and interests information according to the updated credit card knowledge graph, and pushing the updated rights and interests information to the corresponding user.

According to an embodiment of the present disclosure, wherein the establishing a credit card knowledge-graph according to the basic information and the rights and interests information of the credit card comprises:

establishing a credit card node and an equity node, taking the basic information of a credit card as a first attribute of the credit card node, taking the equity information of the credit card as a second attribute of the equity node, and taking the corresponding relation between the credit card node and the equity node as an edge relation to construct a credit card knowledge graph.

According to the embodiment of the disclosure, the updating the credit card knowledge graph at least comprises the following updating modes:

newly adding credit card nodes and/or equity nodes to a credit card knowledge graph, or newly adding edge relations corresponding to the credit card nodes and/or equity nodes; or

Modifying the credit card nodes and/or the equity nodes to a credit card knowledge graph or modifying the edge relations corresponding to the credit card nodes and/or the equity nodes; or

And deleting the credit card nodes and/or the equity nodes to the credit card knowledge graph or deleting the edge relations corresponding to the credit card nodes and/or the equity nodes.

According to the embodiment of the disclosure, when the basic information and/or the rights and interests information of the credit card is updated, the credit card knowledge map is updated, and the method comprises at least one of the following operations:

confirming whether basic information and/or interest information of the credit card exists in a knowledge graph of the credit card and whether a side relation corresponding to the basic information and/or the interest information of the credit card exists in the knowledge graph;

if the updating mode is to newly add credit card nodes and/or equity nodes, the basic information and/or equity information of the credit card does not exist in the credit card knowledge graph, and the side relationship corresponding to the basic information and/or equity information of the credit card does not exist in the credit card knowledge graph, the credit card nodes and/or equity nodes are newly added to the credit card knowledge graph, and the side relationship corresponding to the credit card nodes and/or equity nodes is newly added; or

If the updating mode is to modify the basic information and/or the equity information of the credit card, the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, and the side relation corresponding to the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, the side relation corresponding to the credit card node and/or the equity node in the credit card knowledge graph is modified, so that the side relation corresponding to the credit card node and/or the equity node is updated; or

If the updating mode is to delete the basic information and/or the equity information of the credit card, and the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, deleting the credit card nodes and/or the equity nodes and the edge relations corresponding to the credit card nodes and/or the equity nodes; or

If the updating mode is to delete the side relationship of the basic information and/or the equity information of the credit card, the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, and the side relationship corresponding to the basic information and/or the equity information of the credit card exists in the side relationship of the credit card node and/or the equity node, the side relationship corresponding to the basic information and/or the equity information of the credit card is deleted from the side relationship corresponding to the credit card node and/or the equity node.

According to an embodiment of the present disclosure, the method further includes: and periodically updating the credit card knowledge graph, at least acquiring updated rights and interests information according to the updated credit card knowledge graph, and pushing the updated rights and interests information to the corresponding user.

According to an embodiment of the present disclosure, wherein the equity information of the credit card includes at least one of an equity start time, an equity period, an equity end time, an equity applicable object, and equity contents.

According to an embodiment of the present disclosure, wherein the basic information of the credit card includes at least one of a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, and product number information.

According to another aspect of the present disclosure, there is provided an apparatus for updating a credit card entitlement status, including:

the acquisition module is used for acquiring business data related to the credit card, wherein the business data comprises basic information and rights and interests information of the credit card;

the building module is used for building a credit card knowledge graph according to the basic information and the rights and interests information of the credit card;

the first updating module is used for updating the credit card knowledge map when the basic information and/or the rights and interests information of the credit card are updated;

and the pushing module is used for at least acquiring updated rights and interests information according to the updated credit card knowledge graph and pushing the updated rights and interests information to the corresponding user.

According to another aspect of the present disclosure, there is provided an electronic device including: 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 perform an update method that implements credit card entitlement status as described above.

According to another aspect of the present disclosure, there is provided a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform an update method that implements a credit card entitlement status as described above.

According to another aspect of the present disclosure, there is provided a computer program product comprising a computer program which, when executed by a processor, implements the method of updating credit card entitlement status as described above.

It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present disclosure, nor do they limit the scope of the present disclosure. Other features of the present disclosure will become apparent from the following description.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario of a credit card entitlement status updating method, apparatus, electronic device, storage medium and computer program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method for updating credit card entitlement status in accordance with an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a method for updating credit card entitlement status according to another embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method of periodically updating credit card entitlement status according to another embodiment of the present disclosure;

FIGS. 5A, 5B, 5C and 5D are schematic diagrams illustrating a method of updating a credit card entitlement status according to an embodiment of the present disclosure;

FIG. 6 schematically illustrates a block diagram of an apparatus for updating credit card entitlement status in accordance with an embodiment of the present disclosure;

FIG. 7 schematically illustrates a block diagram of an apparatus for updating credit card entitlement status according to another embodiment of the present disclosure; and

FIG. 8 schematically illustrates a block diagram of an electronic device suitable for implementing an update method of credit card entitlement status in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is 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, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, 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.). Where a convention analogous to "A, B or at least one of 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 or 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 data 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.

Embodiments of the present disclosure provide a method, an apparatus, an electronic device, a storage medium, and a computer program product for updating a credit card equity status, which may be used in the financial field, the computer field, or other fields, and are not limited herein. The method for updating the rights and interests state of the credit card comprises the following steps: acquiring business data related to the credit card, wherein the business data comprises basic information and rights and interests information of the credit card; establishing a credit card knowledge map according to the basic information and the rights and interests information of the credit card; updating the credit card knowledge map when the basic information and/or the rights and interests information of the credit card are updated; and at least acquiring updated rights and interests information according to the updated credit card knowledge graph, and pushing the updated rights and interests information to the corresponding user. According to the credit card knowledge graph displaying method and device, the basic information, the rights and interests information and the like of the credit card are constructed to form the credit card knowledge graph, and the credit card knowledge graph is displayed and stored in the graph form, so that the complex relation between the credit card and the rights and interests can be displayed to service personnel more visually and comprehensively, the service personnel can acquire updated information more efficiently and conveniently when the rights and interests change, and then the updated information can be pushed to users timely, omission or errors caused by a traditional manual screening mode are avoided, and the screening efficiency and accuracy are improved.

Fig. 1 schematically illustrates an application scenario diagram of a method, an apparatus, an electronic device, a storage medium, and a computer program product for updating a credit card entitlement status 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 application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the updating method of the credit card entitlement status provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the updating device of the credit card entitlement status provided by the embodiments of the present disclosure may be generally disposed in the server 105. The updating method of the credit card entitlement status provided by the embodiment of the present disclosure may also be executed by a server or a server cluster which is different from the server 105 and can communicate with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the updating device for credit card entitlement status provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The method for updating the credit card entitlement status according to the embodiment of the present disclosure will be described in detail with reference to fig. 2 to 4.

Fig. 2 schematically shows a flowchart of a method for updating a credit card entitlement status according to an embodiment of the present disclosure.

As shown in fig. 2, the method for updating the credit card entitlement status specifically includes operations S210 to S240.

In operation S210, service data related to a credit card is acquired, the service data including basic information and rights and interests information of the credit card.

The right information of the credit card includes, but is not limited to, at least one of right start time, right period, right end time, right applicable object and right content. And the basic information of the credit card includes, but is not limited to, at least one of a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, and product number information.

In this embodiment, after the business data related to the credit card is obtained, the business data may be analyzed based on the HANLP algorithm, and the required keywords are identified according to the minimum granularity word segmentation, so as to obtain the basic information and the rights and interests information related to the credit card.

It should be noted that, in the embodiment of the present disclosure, the selection of the basic information and the rights and interests information about the credit card may be performed according to actual business needs, or may select appropriate data based on other purposes, which is not limited herein.

In operation S220, a credit card knowledge-graph is established based on the basic information and the equity information of the credit card.

In the present operation, the credit card knowledge map may be constructed using the basic information and the equity information of the credit card that have been acquired. In the process of constructing the credit card knowledge graph, priority ranking can be carried out on the acquired basic information and the equity information of the credit card, so that more key information is screened out to establish the credit card knowledge graph. The more critical information may include, for example, information indicating a change in the equity status of the credit card, information that the user is interested in frequently and can reflect the equity status change, and the like, and may be specifically set according to actual needs, and is not limited herein.

In the embodiment, a credit card knowledge graph is constructed, a plurality of types of credit cards correspond to rights and interests one by one, so that the credit cards can be visually and comprehensively displayed to service personnel, the service personnel can more efficiently and conveniently acquire updated information when the rights and interests change subsequently, and then the updated information can be timely pushed to users, omission or errors caused by a traditional manual screening mode are avoided, and the screening efficiency and accuracy are improved. In this embodiment, after the credit card knowledge-graph is formed, the credit card knowledge-graph may be stored in a graph database for subsequent maintenance and updating.

In operation S230, when the basic information and/or the equity information of the credit card are updated, the credit card knowledge-graph is updated.

For example, when the basic information of the credit card owned by a certain user is updated, for example, the type of the credit card or the brand of the credit card is changed, at this time, the rights and interests information (for example, rights and interests applicable objects, rights and interests period, etc.) corresponding to the credit card of the user may also change with the change of the basic information of the credit card. When the information in the credit card knowledge graph (including but not limited to the nodes in the credit card knowledge graph and the corresponding relations between the nodes) is not updated, the new business data related to the credit card can be acquired again, and the established credit card knowledge graph is expanded according to the acquired new business data related to the credit card, so that the screening range of the credit card knowledge graph is expanded.

In operation S240, at least the updated equity information is obtained according to the updated credit card knowledge graph, and the updated equity information is pushed to the corresponding user.

When the credit card knowledge graph is updated, at least updated rights and interests information and basic information corresponding to the credit card can be obtained according to the updated credit card knowledge graph, and the updated information is pushed to the corresponding user in time, so that the user can enjoy related rights and interests in time, and the experience of the user is improved.

According to the method for updating the equity state of the credit card in the embodiment of the disclosure, the basic information, the equity information and the like of the credit card are constructed to form the knowledge map of the credit card, and the knowledge map is displayed and stored in the form of the map, so that the complex relation between the credit card and the equity can be more visually and comprehensively displayed to business personnel, the business personnel can more efficiently and conveniently obtain updated information when the equity changes, and then the updated information can be timely pushed to a user, omission or errors caused by a traditional manual screening mode are avoided, and the screening efficiency and accuracy are improved.

Fig. 3 schematically shows a flowchart of a method for updating a credit card entitlement status according to another embodiment of the present disclosure.

As shown in fig. 3, the method for updating the credit card entitlement status specifically includes operations S310 to S340. Operation S310, operation S330, and operation S340 are implemented in the same manner as operation S210, operation S230, and operation S240, respectively, and repeated parts will not be described in detail.

In operation S310, service data related to a credit card is acquired, the service data including basic information and rights and interests information of the credit card.

In operation S320, a credit card node and an equity node are established, and basic information of a credit card is used as a first attribute of the credit card node, equity information of the credit card is used as a second attribute of the equity node, and a corresponding relationship between the credit card node and the equity node is used as an edge relationship to construct a credit card knowledge graph.

Since each different type of credit card may have different credit card equity, after acquiring the basic information and equity information of the credit card, the credit card nodes and equity nodes are respectively established, for example, the credit card nodes a to U and the equity nodes 1 to n are established according to the acquired basic information and equity information of a plurality of credit cards, and the basic information of the credit card is used as the first attribute of the credit card nodes and the equity information of the credit card is used as the second attribute of the equity nodes. In the embodiment, the information of the credit card includes, but is not limited to, at least one of a right start time, a right period, a right end time, a right applicable object, and right content. The basic information of the credit card includes, but is not limited to, at least one of a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, and product number information.

Because the credit card and the credit card equity have a certain corresponding relationship (namely the corresponding relationship between the credit card nodes and the equity nodes), the corresponding relationship may be one-to-one or one-to-many, and the credit card nodes and the corresponding equity nodes can be in one-to-one correspondence based on the corresponding relationship, thereby forming a credit card knowledge graph. For example, for the credit card node a, since the credit card node a has the first attribute a, wherein the first attribute a includes information of credit card type, credit card grade, credit card brand, credit card currency, credit card medium, and product number information, the credit card a may correspond to the enjoyment interest 1, the interest 2, and the interest 3 based on the credit card type, the credit card grade, and the credit card brand, thereby establishing the correspondence relationship between the credit card node a and the interest nodes 1 to 3. Similarly, the correspondence relationship between the credit card nodes B to U and the equity nodes 1 to n may be established correspondingly, thereby forming a credit card knowledge map. Based on the network-shaped credit card knowledge graph, the corresponding relations between all credit cards and rights and interests can be clearly shown, so that the updating in the subsequent change is facilitated, the omission or the error of manual screening is avoided, and the screening efficiency and the screening accuracy are improved.

In operation S330, when the basic information and/or the equity information of the credit card are updated, the credit card knowledge-graph is updated.

In operation S340, at least the updated equity information is obtained according to the updated credit card knowledge graph, and the updated equity information is pushed to the corresponding user.

In some embodiments of the present disclosure, in the above operation S330, the updating the credit card knowledge-graph includes at least the following updating manners: newly adding credit card nodes and/or equity nodes to the credit card knowledge graph, or newly adding edge relations corresponding to the credit card nodes and/or equity nodes; or modifying credit card nodes and/or equity nodes to the credit card knowledge graph, or modifying the edge relations corresponding to the credit card nodes and/or equity nodes; or deleting the credit card nodes and/or the equity nodes to the credit card knowledge graph, or deleting the edge relations corresponding to the credit card nodes and/or the equity nodes.

In some embodiments, in the above operation S330, the updating the credit card knowledge-graph when the basic information and/or the right information of the credit card is updated includes at least one of the following operations:

confirming whether basic information and/or equity information of the credit card already exists in the knowledge graph of the credit card and whether the side relation of the basic information and/or equity information of the corresponding credit card exists in the knowledge graph.

And if the updating mode is to newly add the credit card nodes and/or the right nodes, the basic information and/or the right information of the credit card does not exist in the credit card knowledge graph, and the side relationship corresponding to the basic information and/or the right information of the credit card does not exist in the credit card knowledge graph, newly adding the credit card nodes and/or the right nodes to the credit card knowledge graph, and newly adding the side relationship corresponding to the credit card nodes and/or the right nodes.

And if the updating mode is to modify the basic information and/or the equity information of the credit card, the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, and the side relation corresponding to the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, modifying the side relation corresponding to the credit card node and/or the equity node in the credit card knowledge graph, so as to update the side relation corresponding to the credit card node and/or the equity node.

If the updating mode is to delete the basic information and/or the equity information of the credit card, and the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, deleting the credit card nodes and/or the equity nodes and the edge relations corresponding to the credit card nodes and/or the equity nodes; or, if the updating mode is to delete the side relationship of the basic information and/or the interest information of the credit card, the basic information and/or the interest information of the credit card exists in the knowledge graph of the credit card, and the side relationship corresponding to the basic information and/or the interest information of the credit card exists in the side relationship of the credit card node and/or the interest node, the side relationship corresponding to the basic information and/or the interest information of the credit card is deleted from the side relationship corresponding to the credit card node and/or the interest node.

When the basic information and/or the rights and interests information of the credit card are updated, the knowledge spectrogram of the credit card can be updated according to the updating mode and the updating operation, at least the updated rights and interests information is obtained according to the updated knowledge spectrogram of the credit card, and the updated rights and interests information is pushed to the corresponding user.

In some embodiments, periodic updates may also be set for the credit card knowledge graph, and the specific setting period time may be flexibly determined according to various attributes in the credit card knowledge graph, or may be set according to the use or access history of the user, or may be set according to a time specified by a service person, and the like, which are not limited herein. The updated information can be conveniently and timely acquired based on the periodic updating, so that real-time and effective rights and interests state information is provided for the user, and the user experience is improved.

The method of periodically updating the credit card entitlement status will be described in detail with reference to fig. 4.

FIG. 4 schematically illustrates a flow chart of a method of periodically updating credit card entitlement status according to another embodiment of the present disclosure.

As shown in FIG. 4, the method for periodically updating the credit card entitlement status specifically includes operations S410-S420. Wherein:

in operation S410, the credit card knowledge-graph is periodically updated, and at least updated equity information is acquired according to the updated credit card knowledge-graph.

For each node and/or edge relationship in the credit card knowledge graph, it may be set periodically to update the relationship, and the periodic transmission may be set, for example, once a day, once a week, once a month, or at certain intervals, and may be specifically set according to the method described above, and is not limited herein.

In operation S420, the updated entitlement information is pushed to the corresponding user.

It should be noted that although the steps of the method are described in a specific order, the embodiments of the present disclosure are not limited thereto, and the steps may be performed in other orders as needed. For example, in some embodiments, step S410 may be performed after step S240, or simultaneously with step S240, which is not limited by the present disclosure.

The embodiment of the disclosure enables updated information to be acquired relatively timely by periodically updating the credit card knowledge graph, thereby providing real-time and effective rights and interests state information for users and improving user experience.

Fig. 5A, 5B, 5C, and 5D are schematic diagrams of an update method of a credit card entitlement status according to an embodiment of the present disclosure. A specific implementation of the method for updating the credit card entitlement status according to the embodiment of the present disclosure will be described below with reference to fig. 5A to 5D. It should be understood that the contents shown in fig. 5A to 5D are only for facilitating the understanding of the technical solutions of the present disclosure by those skilled in the art, and are not intended to limit the scope of the present disclosure.

Fig. 5A shows a credit card knowledge map established based on the acquired basic information and interest information of a plurality of credit cards, which is established in the same manner as the above-described process and will not be described herein again.

As shown in fig. 5A, the credit card knowledge graph includes credit card nodes a to U and equity nodes 1 to n, wherein each credit card node has a corresponding relationship with an equity node, and the corresponding relationship may be one-to-one or one-to-many, for example, for the credit card node a, since the credit card node a has a first attribute a, wherein the first attribute a includes information such as a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, and product number information, and based on the credit card type, the credit card grade, and the credit card brand, the credit card a may enjoy equity 1 and equity 3, thereby establishing a corresponding relationship between the credit card node a and the equity nodes 1 and 3. Similarly, the correspondence relationship between the credit card nodes B to U and the equity nodes 1 to n may be established, thereby forming a credit card knowledge map as shown in fig. 5A. The corresponding relation between all credit cards and rights and interests can be clearly shown based on the network-shaped credit card knowledge graph, when the basic information and/or the rights and interests information of the credit cards are updated, the credit card knowledge graph can be updated in time, at least the updated rights and interests information is obtained according to the updated credit card knowledge graph, and the updated rights and interests information is pushed to corresponding users, so that omission or errors of manual screening are avoided, and the screening efficiency and accuracy are improved.

As shown in fig. 5A and 5B, when a credit card X is added, the basic information and the right information of the credit card X do not exist in the credit card knowledge graph shown in fig. 5A, and the side relationship corresponding to the basic information and the right information of the credit card X does not exist in the credit card knowledge graph, the credit card node X and the right node X may be added in the credit card knowledge graph. Since the credit card node X has the first attribute X, wherein the first attribute X includes information of a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, product number information, and the like, the credit card X may correspond to the enjoyment interest n-1, the interest n, and the interest X based on the credit card type, the credit card grade, and the credit card brand, thereby establishing a corresponding relationship between the credit card node X and the interest node n-1, the interest node n, and the interest node X. On the other hand, since the original credit card node U in the credit card knowledge graph has the first attribute U, the credit card U can also enjoy the right x based on the first attribute U, and at this time, the corresponding relationship between the credit card node U and the right x can be newly added.

After the credit card knowledge graph is updated, at least the updated equity information is obtained according to the updated credit card knowledge graph, and the updated equity information is pushed to the corresponding user, for example, the equity information is pushed to the user corresponding to the credit card U and the credit card X, so that the user can enjoy the related equity in time.

Referring to fig. 5A and 5C together, when the basic information and/or the interest information of the existing credit card node in the credit card knowledge-graph is changed, for example, due to a change of an entity attribute (e.g. a credit card brand, a credit card class, a credit card type, etc.) in the first attribute a of the credit card node a, the attribute that can enjoy the interest 1 in the first attribute a of the credit card node a is changed to an attribute that can enjoy the interest 2, at this time, the corresponding relationship between the credit card node a and the interest node 1 in the credit card knowledge-graph is modified to the corresponding relationship between the credit card node a and the interest node 2, and the interest node 1 and all credit card nodes no longer have corresponding relationships, at this time, the interest node 1 can be deleted, or the interest node 1 is reserved, which can be handled as the case may be, and are not limited herein.

After the credit card knowledge graph is updated, at least the updated right information is obtained according to the updated credit card knowledge graph, and the updated right information is pushed to the corresponding user, for example, the corresponding information can be pushed to the user corresponding to the credit card a, so that the user knows that the right enjoyed by the credit card a held by the user is changed from right 1 to right 2.

Referring to fig. 5A and 5D together, when the basic information and/or the equity information of the existing credit card nodes in the credit card knowledge graph are changed, for example, because the user does not already hold the credit card a, the information related to the credit card a needs to be deleted from the credit card knowledge graph to obtain the updated credit card knowledge graph. The information related to the credit card a is deleted from the credit card knowledge graph, including deleting the credit card node a, the edge relations between the credit card node a and the equity nodes 1 and 3, and the equity node 1 (at this time, the equity node 1 no longer has a corresponding relation with all the credit card nodes, at this time, the equity node 1 may be selected to be deleted, or the equity node 1 may be retained).

After the credit card knowledge graph is updated, at least updated right information is obtained according to the updated credit card knowledge graph, and the updated right information is pushed to the corresponding user, for example, corresponding information can be pushed to the user corresponding to the credit card a, so that the user knows that the credit card a held by the user no longer enjoys the right 1 and the right 3.

It should be noted that, when the basic information and/or the interest information of the credit card is updated, the manner of updating the credit card knowledge graph is not limited to the above-described updating manner, and in some embodiments, the manner of updating the credit card knowledge graph includes at least one of the following manners: newly adding credit card nodes and/or equity nodes to a credit card knowledge graph, or newly adding edge relations corresponding to the credit card nodes and/or equity nodes; or modifying the credit card nodes and/or the equity nodes to the credit card knowledge graph, or modifying the edge relations corresponding to the credit card nodes and/or the equity nodes; or deleting the credit card nodes and/or the equity nodes to the credit card knowledge graph or deleting the edge relations corresponding to the credit card nodes and/or the equity nodes. In other words, when updating the credit card knowledge graph, the above-mentioned updating method may exist singly, or multiple updating methods may coexist, and the updating is performed according to the actual situation, which is not limited herein.

In some embodiments, the credit card knowledge graph may also be updated periodically, wherein the periodic updating of the credit card knowledge graph is similar to the process described above and will not be described herein. After periodic updating, at least the updated equity information can be obtained according to the updated credit card knowledge graph, and the updated equity information is pushed to the corresponding user.

According to the embodiment of the disclosure, the credit card knowledge graph is periodically updated, so that updated information is timely acquired, real-time and effective rights and interests state information is provided for a user, and user experience is improved.

Based on the credit card equity state updating method, the disclosure also provides a credit card equity state updating device. The apparatus will be described in detail below with reference to fig. 6 and 7.

Fig. 6 schematically shows a block diagram of an apparatus for updating a credit card entitlement status according to an embodiment of the present disclosure.

As shown in fig. 6, the apparatus 600 for updating the credit card equity status in the embodiment of the present disclosure includes: an obtaining module 610, a building module 620, a first updating module 630 and a pushing module 640. Wherein:

the obtaining module 610 is configured to obtain service data related to the credit card, where the service data includes basic information and rights and interests information of the credit card.

In the present embodiment, the equity information of the credit card may include at least one of an equity start time, an equity period, an equity end time, an equity applicable object, and equity contents, for example. The basic information of the credit card may include, for example, at least one of a credit card type, a credit card grade, a credit card brand, a credit card currency, a credit card medium, and product number information.

And the construction module 620 is used for establishing the credit card knowledge graph according to the basic information and the rights and interests information of the credit card.

The first updating module 630 is used for updating the credit card knowledge map when the basic information and/or the interest information of the credit card are updated.

The pushing module 640 is configured to at least obtain updated equity information according to the updated credit card knowledge graph, and push the updated equity information to the corresponding user.

In some embodiments, the build module 620 is further configured to perform the following: establishing a credit card node and an equity node, taking the basic information of a credit card as a first attribute of the credit card node, taking the equity information of the credit card as a second attribute of the equity node, and taking the corresponding relation between the credit card node and the equity node as an edge relation to construct a credit card knowledge graph.

In some embodiments, the ways in which the first update module 630 updates the credit card knowledge graph include at least the following ways: newly adding credit card nodes and/or equity nodes to a credit card knowledge graph, or newly adding edge relations corresponding to the credit card nodes and/or equity nodes; or modifying the credit card nodes and/or the equity nodes to the credit card knowledge graph, or modifying the edge relations corresponding to the credit card nodes and/or the equity nodes; or deleting the credit card nodes and/or the equity nodes to the credit card knowledge graph or deleting the edge relations corresponding to the credit card nodes and/or the equity nodes.

In some embodiments, the first update module 630 is further configured to perform at least one of the following:

And if the updating mode is to delete the basic information and/or the right information of the credit card and the basic information and/or the right information of the credit card exists in the credit card knowledge graph, deleting the credit card nodes and/or the right nodes and the edge relations corresponding to the credit card nodes and/or the right nodes.

Fig. 7 schematically shows a block diagram of an apparatus for updating a credit card entitlement status according to another embodiment of the present disclosure.

As shown in fig. 7, the apparatus 700 for updating the credit card entitlement status in the embodiment of the present disclosure includes: an obtaining module 710, a building module 720, a first updating module 730, a pushing module 740, and a second updating module 750.

The obtaining module 710, the constructing module 720, the first updating module 730, and the pushing module 740 respectively have functions similar to or the same as those of the obtaining module 610, the constructing module 620, the first updating module 630, and the pushing module 640, and repeated descriptions are omitted.

In the embodiment of the present disclosure, the second updating module 750 is configured to periodically update the credit card knowledge graph, and at least obtain updated equity information according to the updated credit card knowledge graph, and push the updated equity information to the corresponding user.

It should be noted that the implementation, solved technical problems, implemented functions, and achieved technical effects of each module/unit/subunit and the like in the apparatus part embodiment are respectively the same as or similar to the implementation, solved technical problems, implemented functions, and achieved technical effects of each corresponding step in the method part embodiment, and are not described herein again.

According to the embodiment of the present disclosure, any plurality of the obtaining module 710, the constructing module 720, the first updating module 730, the pushing module 740, and the second updating module 750 may be combined into one module to be implemented, or any one of the modules 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 710, the constructing module 720, the first updating module 730, the pushing module 740, and the second updating module 750 may be implemented at least partially 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 an appropriate combination of any several of them. Alternatively, at least one of the retrieving module 710, the building module 720, the first updating module 730, the pushing module 740 and the second updating module 750 may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and do not violate the good custom of the public order.

Fig. 8 schematically illustrates a block diagram of an electronic device adapted to implement an update method of credit card entitlement status according to an embodiment of the present disclosure.

As shown in fig. 8, an electronic device 800 according to an embodiment of the present disclosure includes a processor 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. The processor 801 may include, for example, a general purpose microprocessor (e.g., CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., Application Specific Integrated Circuit (ASIC)), among others. The processor 801 may also include onboard memory for caching purposes. The processor 801 may include a single processing unit or multiple processing units for performing different actions of the method flows according to embodiments of the present disclosure.

In the RAM803, various programs and data necessary for the operation of the electronic apparatus 800 are stored. The processor 801, the ROM802, and the RAM803 are connected to each other by a bus 804. The processor 801 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM802 and/or RAM 803. Note that the programs may also be stored in one or more memories other than the ROM802 and RAM 803. The processor 801 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 800 may also include input/output (I/O) interface 805, input/output (I/O) interface 805 also connected to bus 804, according to an embodiment of the present disclosure. Electronic device 800 may also include one or more of the following components connected to I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

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.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM802 and/or RAM803 described above and/or one or more memories other than the ROM802 and RAM 803.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the updating method of the credit card entitlement status provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 801. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted in the form of a signal on a network medium, distributed, downloaded and installed via communication section 809, and/or installed from removable media 811. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program, when executed by the processor 801, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

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.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A method for updating the equity status of a credit card includes:

acquiring business data related to a credit card, wherein the business data comprises basic information and rights and interests information of the credit card;

establishing a credit card knowledge graph according to the basic information and the rights and interests information of the credit card;

updating the credit card knowledge map when the basic information and/or the rights and interests information of the credit card is updated;

and at least acquiring updated rights and interests information according to the updated credit card knowledge graph, and pushing the updated rights and interests information to a corresponding user.

2. The method for updating credit card equity status of claim 1, wherein said establishing a credit card knowledge graph from said credit card basic information and equity information comprises:

establishing a credit card node and an equity node, taking the basic information of the credit card as a first attribute of the credit card node, taking the equity information of the credit card as a second attribute of the equity node, and taking the corresponding relation between the credit card node and the equity node as an edge relation to construct a credit card knowledge graph.

3. The method of updating credit card entitlement status of claim 2 wherein said updating said credit card knowledge-graph includes at least the following updating means:

newly adding credit card nodes and/or equity nodes to the credit card knowledge graph, or newly adding edge relations corresponding to the credit card nodes and/or equity nodes; or

Modifying credit card nodes and/or equity nodes to the credit card knowledge graph, or modifying the edge relations corresponding to the credit card nodes and/or equity nodes; or

4. The method for updating credit card entitlement status of claim 3 wherein said updating said credit card knowledge-graph as updates to said credit card base information and/or entitlement information occur comprises at least one of:

confirming whether basic information and/or equity information of the credit card already exists in the credit card knowledge graph and whether a side relation corresponding to the basic information and/or equity information of the credit card exists in the knowledge graph;

if the updating mode is newly adding credit card nodes and/or equity nodes, the basic information and/or equity information of the credit card does not exist in the credit card knowledge graph, and the side relationship corresponding to the basic information and/or equity information of the credit card does not exist in the credit card knowledge graph, newly adding the credit card nodes and/or equity nodes to the credit card knowledge graph, and newly adding the side relationship corresponding to the credit card nodes and/or equity nodes; or

If the updating mode is to modify the basic information and/or the equity information of the credit card, the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, and the side relationship corresponding to the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, modifying the side relationship corresponding to the credit card node and/or the equity node in the credit card knowledge graph, so as to update the side relationship corresponding to the credit card node and/or the equity node; or

And if the updating mode is to delete the edge relationship of the basic information and/or the equity information of the credit card, the basic information and/or the equity information of the credit card exists in the credit card knowledge graph, and the edge relationship corresponding to the basic information and/or the equity information of the credit card exists in the edge relationship of the credit card node and/or the equity node, deleting the edge relationship corresponding to the basic information and/or the equity information of the credit card from the edge relationship corresponding to the credit card node and/or the equity node.

5. The updating method of credit card entitlement status according to claim 1, further comprising:

and periodically updating the credit card knowledge graph, at least acquiring updated equity information according to the updated credit card knowledge graph, and pushing the updated equity information to a corresponding user.

6. The method for updating a credit card entitlement status of claim 1 wherein said credit card entitlement information includes at least one of entitlement start time, entitlement period, entitlement end time, entitlement applicable object and entitlement content.

7. The method for updating a credit card entitlement status of claim 1 wherein said credit card basic information includes at least one of credit card type, credit card rating, credit card brand, credit card currency, credit card media and product number information.

8. An apparatus for updating a credit card entitlement status, comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring business data related to a credit card, and the business data comprises basic information and rights and interests information of the credit card;

the construction module is used for establishing a credit card knowledge graph according to the basic information and the rights and interests information of the credit card;

9. 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 perform 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 perform the method of any one of claims 1 to 7.

11. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 7.