CN114358785A - Electronic subscription recommendation system and method based on user payment behavior analysis - Google Patents
Electronic subscription recommendation system and method based on user payment behavior analysis Download PDFInfo
- Publication number
- CN114358785A CN114358785A CN202111588554.4A CN202111588554A CN114358785A CN 114358785 A CN114358785 A CN 114358785A CN 202111588554 A CN202111588554 A CN 202111588554A CN 114358785 A CN114358785 A CN 114358785A
- Authority
- CN
- China
- Prior art keywords
- payment
- user
- signing
- information
- paid
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000004458 analytical method Methods 0.000 title claims abstract description 37
- 238000000034 method Methods 0.000 title claims abstract description 26
- 230000007246 mechanism Effects 0.000 claims abstract description 20
- 230000006399 behavior Effects 0.000 claims description 85
- 238000004364 calculation method Methods 0.000 claims description 11
- 238000012163 sequencing technique Methods 0.000 claims description 11
- 238000011161 development Methods 0.000 claims description 10
- 230000000977 initiatory effect Effects 0.000 claims description 8
- 238000012545 processing Methods 0.000 claims description 6
- 238000004140 cleaning Methods 0.000 claims description 5
- 238000012790 confirmation Methods 0.000 claims description 5
- 230000005540 biological transmission Effects 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 6
- 238000012423 maintenance Methods 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000007774 longterm Effects 0.000 description 2
- 206010044565 Tremor Diseases 0.000 description 1
- 230000006978 adaptation Effects 0.000 description 1
- 238000010606 normalization Methods 0.000 description 1
Images
Landscapes
- Telephonic Communication Services (AREA)
Abstract
The invention relates to an electronic signing recommendation system and method based on user payment behavior analysis, wherein the electronic signing recommendation system comprises: the mobile terminal signing module is used for realizing and managing electronic signing between multiple merchants and users by using the payment channels applied by the merchants; the payment behavior collection module establishes a uniform payment behavior collection interface and receives a payment request; and the payment behavior analysis module is used for analyzing and calculating according to the collected payment behavior information and recommending an electronic signing scheme which is used by the user and has priority and is used for payment, wherein historical payment user data is classified according to payment mechanisms and signing deduction conditions by adopting a kmenas algorithm, whether the characteristics of the current user are classified into the characteristic set of the signed user of the service is calculated by using a nearest neighbor algorithm, the signing mode of the payment mechanism which is most possibly used by the user is calculated, then the priority is calculated according to the Euclidean distance and the ordering rule is provided.
Description
Technical Field
The invention relates to the field of intelligent analysis of electronic payment and signed deduction, in particular to an electronic signed recommendation system and method based on user payment behavior analysis and used at a mobile phone client.
Background
At present, the charge of the traditional value-added service of an operator generally uses the withholding service of a telephone bill, but the charge mode changes along with the market change and the quick iteration of the service, is not easy to obtain the approval of an internet user, and is difficult to popularize in an internet channel; however, if the one-time payment service of the third-party payment mechanism is used, although the charging of the package season and the package year package can be completed, the value-added service has the characteristics of long service time (more users using more than one year) and less single-month fee deduction (about 5 yuan per month), and the user also has the requirements of returning and opening at any time.
Therefore, the value-added service party needs to apply for issuing deduction-replacement services of a third-party payment mechanism such as WeChat, Paibao, Payment, wing payment and the like to charge and promote services, but the development conditions of the deduction-replacement services are harsh, for example, first-month preference is not allowed, user subscription is not allowed to be induced, complaints need to be handled and complaint rate needs to be reduced at the first time (for example, both WeChat and Paibao require that the complaint rate of the user on payment deduction fee cannot exceed 0.01%). The users who make electronic contracts are liable to doubtful about the previous contracts when the fees are deducted automatically every month, which causes complaints. In summary, when the value-added service is expanded to the internet channel to be on line, an algorithm is needed to accurately position a user who intentionally opens the withholding service at the first time, so that the electronic subscription of the withholding service is completed by the user and the service, monthly fee deduction is subsequently performed on the user through a third-party payment mechanism according to the subscription, the complaint rate of the withholding time is reduced, and as long as the user does not actively relieve the contract, the monthly fee can be continuously charged for many years by one electronic subscription, so that a series of problems that the service popularization is difficult, the user education is difficult, and the subsequent maintenance cost is high are solved.
Disclosure of Invention
The invention provides an electronic signing recommendation method and system based on user payment behavior analysis, aiming at solving the technical problems that the traditional value-added service of an operator has the requirement of market development of the internet and the mobile terminal, and users of the internet and the mobile terminal prefer WeChat and Paibao charging modes, and in order to accurately position the payment preference of the users, reduce the subsequent payment complaints of the users and ensure the stability of user fee deduction.
To solve the above technical problem, according to an aspect of the present invention, there is provided an electronic subscription recommendation system based on user payment behavior analysis, including: the mobile terminal signing module is used for realizing and managing electronic signing with the user by multiple merchants by using the payment channels applied by the merchants respectively and initiating payment; the payment behavior collection module establishes a uniform payment behavior collection interface, and after receiving a payment request, the information to be paid, which can be collected by the payment behavior collection module, includes: user information and geographical position when the payment operation request is sent, time for sending the payment operation request, service information to be paid and stay time of a user on a selected package page; and the payment behavior analysis module is used for analyzing and calculating according to the collected payment behavior information and recommending the electronic signing scheme which is used by the user and has priority and is used for payment. The analysis and calculation method comprises the following steps: according to various service data of user payment and fee deduction in internet channel and the fee deduction data of operator bill, the historical payment user data is classified according to payment mechanism and signing fee deduction conditions by adopting a kmenas algorithm, then according to the information to be paid collected by a payment behavior collection module, whether the characteristics of the current user are classified into the characteristic set of the signed user of the service is calculated by using a nearest neighbor algorithm, the signing mode of the payment mechanism most possibly used by the user is calculated to serve as first priority recommendation, then according to Euclidean distance, the priority is calculated according to the algorithm, and a sequencing rule is provided.
According to an embodiment of the invention, the payment channel may comprise: WeChat, Paibao, Paoye. The mobile terminal subscription module function may include: signing, wherein the signing guides a user to carry out authorized signing of a deduction protocol, and after the signing is successful, a service end is called back to provide a unique electronic signing contract number for subsequently initiating deduction; deducting money, namely automatically deducting money for the user by using the contract number after the user consumes or services without user confirmation; and contract, inquiry, reconciliation, and refund.
According to the embodiment of the invention, the Euclidean distance used by the payment behavior analysis module can calculate the sequence of each payment mode, if no data is deducted by the current user in other services or telecommunication bills, each distance difference value of the user and the payment user class in the library is calculated according to the information to be paid of the user, and the formula is as follows: the priority number is the Euclidean distance difference value weight + the geographic position difference value weight + the time difference value weight of the operation request + the business information difference value weight to be paid; if the current user has data for deduction in other services or telecommunication bills, the calculation formula needs to increase the historical payment preference value: the priority number is the historical payment preference value + the euclidean distance difference value + the weight + the geographic position difference value + the weight + the time difference value of the operation request + the business information difference value to be paid + the weight.
According to the embodiment of the invention, all messages of the information to be paid which can be collected by the payment behavior collection module need to be encrypted and transmitted, secondary development and use are carried out when necessary, and multiple channels need to be supported for access; and after the payment behavior collection module collects the information to be paid of the user, cleaning and processing the information to be paid and the historical payment user data.
According to the embodiment of the invention, after the payment behavior analysis module outputs the sorting rule, the payment behavior analysis module can be correspondingly and sequentially arranged according to the screen region heat priority of the mobile terminal, wherein the optimal recommended payment mode is placed in the hottest region of the screen.
According to another aspect of the present invention, there is provided an electronic subscription recommendation method based on user payment behavior analysis, including the following steps: the mobile terminal signs a contract, realizes and manages electronic signing between multiple merchants and the user by using the payment channels applied by the merchants respectively, and initiates payment; the payment behavior collection is to establish a uniform payment behavior collection interface, and after receiving a payment request, the information to be paid, which can be collected by the payment behavior collection module, includes: user information and geographical position when the payment operation request is sent, time for sending the payment operation request, service information to be paid and stay time of a user on a selected package page; and analyzing and calculating payment behavior, and recommending an electronic signing scheme with priority for payment used by a user according to the collected payment behavior information, wherein the analyzing and calculating method comprises the following steps: according to various service data of user payment and fee deduction in internet channel and the fee deduction data of operator bill, the historical payment user data is classified according to payment mechanism and signing fee deduction conditions by adopting a kmenas algorithm, then according to the information to be paid collected by a payment behavior collection module, whether the characteristics of the current user are classified into the characteristic set of the signed user of the service is calculated by using a nearest neighbor algorithm, the signing mode of the payment mechanism most possibly used by the user is calculated to serve as first priority recommendation, then according to Euclidean distance, the priority is calculated according to the algorithm, and a sequencing rule is provided.
According to an embodiment of the invention, the payment channel may comprise: WeChat, Paibao, Payment; the mobile terminal subscription module function may include: signing, wherein the signing guides a user to carry out authorized signing of a deduction protocol, and after the signing is successful, a service end is called back to provide a unique electronic signing contract number for subsequently initiating deduction; deducting money, namely automatically deducting money for the user by using the contract number after the user consumes or services without user confirmation; and contract, inquiry, reconciliation, and refund.
According to the embodiment of the invention, the Euclidean distance used by the payment behavior analysis module can calculate the sequence of each payment mode, if no data is deducted by the current user in other services or telecommunication bills, each distance difference value of the user and the payment user class in the library is calculated according to the information to be paid of the user, and the formula is as follows: the priority number is the Euclidean distance difference value weight + the geographic position difference value weight + the time difference value weight of the operation request + the business information difference value weight to be paid; if the current user has data for deduction in other services or telecommunication bills, the calculation formula needs to increase the historical payment preference value: the priority number is the historical payment preference value + the euclidean distance difference value + the weight + the geographic position difference value + the weight + the time difference value of the operation request + the business information difference value to be paid + the weight.
According to the embodiment of the invention, all messages of the information to be paid which can be collected by the payment behavior collection module can be encrypted and transmitted, secondary development and use can be carried out when necessary, and multiple channels need to be supported for access; and after the payment behavior collection module collects the information to be paid of the user, cleaning and processing the information to be paid and the historical payment user data.
According to the embodiment of the invention, after the payment behavior analysis module outputs the sorting rule, the payment behavior analysis module can be correspondingly and sequentially arranged according to the screen region heat priority of the mobile terminal, wherein the optimal recommended payment mode is placed in the hottest region of the screen.
Because the electronic subscription recommendation system based on the user payment behavior analysis according to the invention comprises: the mobile terminal signing module is used for realizing and managing electronic signing with the user by multiple merchants by using the payment channels applied by the merchants respectively and initiating payment; the payment behavior collection module establishes a uniform payment behavior collection interface, and after receiving a payment request, the information to be paid, which can be collected by the payment behavior collection module, includes: user information and geographical position when the payment operation request is sent, time for sending the payment operation request, service information to be paid and stay time of a user on a selected package page; the payment behavior analysis module is used for analyzing and calculating according to the collected payment behavior information and recommending an electronic signing scheme which is used by the user and has priority and is used for payment, wherein the analysis and calculation method comprises the following steps: according to various service data paid and deducted by a user in an internet channel and bill deduction data of an operator, classifying historical payment user data according to payment mechanisms and signed deduction conditions by adopting a kmenas algorithm, then calculating whether the characteristics of the current user are classified into the characteristic set of a signed user of the service by using a nearest neighbor algorithm according to information to be paid collected by a payment behavior collection module, calculating the signing mode of the payment mechanism most possibly used by the user as first priority recommendation, calculating the priority according to an Euclidean distance and an algorithm, and providing a sequencing rule, so the following beneficial effects can be realized:
1. the payment method is analyzed, and the key point is to analyze and predict the willingness of the user to pay a fee per month by selecting one-time payment or electronic signing.
2. The operation business uses more telephone bill deductions and also uses the telephone bill deductions as a payment signing mode to carry out analysis together.
3. And carrying out subscription analysis on the user according to the telephone fee deduction data of the service operator and the internet payment behavior data.
4. The system realizes online payment behavior collection of the APP, classifies user behaviors in real time, and recommends a unified withholding service electronic signing service and recommendation sequencing of other payment modes under the condition of matching user wishes.
5. The electronic subscription service platform has the advantages that the electronic subscription service platform can continuously charge for many years according to months by one time, the problems of difficult user education and high subsequent maintenance cost in the popularization of value-added services of operators in internet channels are solved, the payment fee deduction mode of the user is accurately positioned, the complaints of the user and the subsequent fee deduction difficulty are reduced, and the long-term development of the services is facilitated.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings of the embodiments will be briefly described below, and it is apparent that the drawings in the following description only relate to some embodiments of the present invention and are not limiting on the present invention.
Fig. 1 is a schematic diagram illustrating an electronic subscription recommendation system and method according to an embodiment of the present invention.
Fig. 2 is a general architecture diagram illustrating an embodiment of the present invention.
Fig. 3 is a schematic diagram illustrating a page change (system effect) of an electronic terminal according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the drawings of the embodiments of the present invention. It is to be understood that the embodiments described are only a few embodiments of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the described embodiments of the invention without any inventive step, are within the scope of protection of the invention.
Unless defined otherwise, technical or scientific terms used herein shall have the ordinary meaning as understood by one of ordinary skill in the art to which this invention belongs. The use of "first," "second," and similar terms in the description and claims of the present application do not denote any order, quantity, or importance, but rather the terms are used to distinguish one element from another. Also, the use of the terms "a" or "an" and the like do not denote a limitation of quantity, but rather denote the presence of at least one.
Fig. 1 is a schematic diagram illustrating an electronic subscription recommendation system and method according to an embodiment of the present invention.
As shown in fig. 1, the traditional value-added service of an operator has a demand for market development of the internet and the mobile terminal, and users of the internet and the mobile terminal prefer a WeChat and Payment mode, and in order to accurately locate payment preference of the users, reduce subsequent complaints of deduction of the users, and ensure stability of user deduction, the invention provides an electronic subscription recommendation system and method based on user payment behavior analysis.
Through a real-time payment behavior collection interface implanted in an h5 page, a WeChat public number, a WeChat applet, a Baidu applet and an APP which is independently developed, the historical payment user data are classified according to payment mechanisms and signing deduction conditions by means of a feature set and signing record information of a historical user, then whether the features of the current user are classified into the feature set of a signed user of the service is calculated according to a KNN (nearest neighbor algorithm), the signing mode of the payment mechanism which is most likely to be used by the user is obtained and used as first priority recommendation, the current payment behavior of the current user and the similarity of the classification are calculated according to an Euclidean distance calculation formula, page ordering signed by the user is adjusted according to the similarity, and the user is recommended to select clicking and signing. The system realizes online payment behavior collection of APP (application), classifies user behaviors in real time, and recommends a unified withholding service electronic signing service and recommendation sequencing of other payment modes under the condition of matching user wishes.
According to one or some embodiments of the invention, the electronic subscription recommendation system based on the user payment behavior analysis comprises: the system comprises a mobile terminal signing module, a payment behavior collecting module and a payment behavior analyzing module.
The mobile terminal signing module realizes and manages electronic signing of multiple merchants by using payment channels (WeChat, Paibao, wing payment and the like) applied by the merchants and users, and has the main functions of 1. signing (guiding the users to carry out authorized signing of a deduction protocol, calling back a service terminal after successful signing, and providing a unique electronic signing contract number for subsequent deduction initiation) 2. deduction (the contract number can be used for carrying out automatic deduction on the users after the users consume or service, and user confirmation is not needed) 3. many auxiliary functions of settlement, inquiry, account checking, refund and the like.
The payment behavior collection module establishes a uniform payment behavior collection interface, and can collect information to be paid: the payment method comprises the steps of sending user information (a mobile phone number or a unique identifier of a positionable payment user) when a payment operation request is sent, a geographic position (an accurate GPS value or an administrative division or a receiving address reversed by the mobile phone number information according to an IP (Internet protocol)), the time for sending the payment operation request, service information to be paid (including upper and lower limits of a service package, a monthly payment average value of the user and the like), and the stay time of the user on a page of the selected package. (Note: all messages need to be encrypted for transmission)
The payment behavior analysis module is a core module of the technical scheme, classifies historical payment user data according to various service data paid and deducted fees of users in internet channels and operator bill deduction data by adopting a kmenas algorithm according to payment mechanisms and signing deduction conditions, calculates whether the characteristics of the current user are classified into the characteristic set of signed users of the services or not by using a KNN (nearest neighbor algorithm) according to the information to be paid collected by the payment behavior collection module, calculates the signing mode of the payment mechanism most probably used by the user as first priority recommendation, calculates the priority according to the Euclidean distance and the algorithm, and provides a sequencing rule.
Fig. 2 is a general architecture diagram illustrating an embodiment of the present invention.
As shown in fig. 2, the electronic subscription recommendation system and method based on user payment behavior analysis adopts the following technical scheme:
1. the user accesses the payment gateway access service through the mobile terminal, selects a package corresponding to the payment gateway access service, and clicks a 'payment' button.
2. And the back end of the business system generates and constructs payment behavior data by using the key distributed by the payment behavior collection module.
3. And the service front-end page enters a mobile terminal signing selection module.
4. And the mobile terminal signing module initiates a sequencing request.
5. And the payment behavior collection module submits payment behavior collection.
6. The payment behavior analysis module analyzes the history data of the user in WeChat, Payment treasures and bill deduction and the information to be paid of the user by adopting a KNN (nearest neighbor algorithm) to obtain a nearest subscription mode, namely a possible payment subscription mode adopted by the user is used as a first priority recommendation subscription mode. Then, calculating the Euclidean distance between the user and each class, calculating the sequence of each payment mode according to the following algorithm, namely the priority number is the difference of the Euclidean distance, the weight is the difference of the geographic position, the weight is the difference of the time of the operation request, the weight is the difference of the business information to be paid (note that the difference is calculated for each payment class respectively), and after calculation, judging the hottest area (the position which is most easy to click by the user) according to the screen condition of the mobile terminal to carry out priority sequence arrangement.
7. And the payment behavior analysis module returns a sequencing result.
8. And forming a payment selection page according to the interface of the payment behavior analysis.
9. And the user selects the payment signing mode of the self-centering device on a payment selection page displayed by the mobile signing module.
According to one or some embodiments of the invention, the main technical difficulty solutions are as follows:
difficulty one, collection of information to be paid.
The information to be paid, which needs to be collected by the payment behavior collection module, comprises the following information: the payment method comprises the steps of sending user information (a mobile phone number or a unique identifier of a positionable payment user) when a payment operation request is sent, a geographic position (an accurate GPS value or an administrative division or a receiving address reversed by the mobile phone number information according to an IP (Internet protocol)), the time for sending the payment operation request, service information to be paid (including upper and lower limits of a service package, a monthly payment average value of the user and the like), and the stay time of the user on a page of the selected package. Such information collection need accord with the relevant regulation that user's privacy was collected, and all messages all need encrypt the transmission, and some information still need the secondary development to use to need to support multiple channel access, so need to develop and provide SDK, provide including not limiting to little letter public number, the applet, pay precious applet, electric channel APP, the hundred applets, tremble sound APP and have APP's own adaptation.
Difficulty two, cleaning and processing of information to be paid and historical payment user data.
After the payment behavior collection module collects the information to be paid of the user, invalid data in the information needs to be cleared, and data normalization processing is carried out. And then, according to the service information of the information to be paid, the weight of the corresponding data is obtained.
Classifying the historical payment user data according to various service data of user payment and fee deduction in an internet channel and the bill fee deduction data of an operator by adopting a kmenas algorithm according to the conditions of a payment mechanism and a signed fee deduction, classifying according to the following table, and expressing the preferred payment mode of the user in a numerical mode;
since the subscription deduction is matched with the characteristics of long service time (more users using more than one year) and low monthly deduction (5 yuan per month), the two-classification view of one-time payment and subscription deduction is also defined on the basis of the classification.
And thirdly, analyzing according to the withholding record of the telecommunication bill and the historical internet payment record of the user.
If no data of the current user in other services or telecommunication bills are deducted, that is, the user may be a new pure internet user, each distance difference between the user and a payment user class in the library is calculated according to the information to be paid of the user, wherein the information to be paid mainly comprises user information (a mobile phone number or a unique identifier of a positionable payment user), a geographic position (an accurate GPS value or an administrative region or a receiving address reversed by the mobile phone number information according to an IP), time for sending a payment operation request, service information to be paid (including upper and lower limits of a service package, a monthly payment mean value of the user, and the like), a stay time of the user on a selected package page is analyzed by using a KNN (nearest neighbor algorithm), and a nearest subscription mode is obtained, that is, the payment subscription mode possibly adopted by the user is used as a first preferred subscription mode. Then, calculating the Euclidean distance between the user and each class, calculating the sequence of each payment mode according to the following algorithm, namely the priority number is the difference of the Euclidean distance, the weight is the difference of the geographic position, the weight is the difference of the time of the operation request, the weight is the difference of the business information to be paid (note that the difference is calculated for each payment class respectively), and after calculation, judging the hottest area (the position which is most easy to click by the user) according to the screen condition of the mobile terminal to carry out priority sequence arrangement.
If the current user has data to be deducted in other services or telecommunication bills, the calculation formula needs to increase a historical payment preference value, namely, a priority number is the historical payment preference value + an Euclidean distance difference value + a weight + a geographic position difference value + a weight + a time difference value of an operation request + a weight + a service information difference value to be paid, and after calculation is finished, the hottest region (the position which is most easily clicked by the user) is judged to be subjected to priority sequence arrangement according to the screen condition of a mobile terminal.
Fig. 3 is a schematic diagram illustrating a page change (system effect) of an electronic terminal according to an embodiment of the present invention.
As shown in fig. 3, the original page of the electronic terminal has a plurality of payment selection modes, which are displayed incompletely, resulting in difficulty in user selection and easy loss of the user. The current page fully considers the use habits of the users, and places the payment and signing modes with the highest recommended success rate in the place which is most easily selected by the users, so that the payment success rate is improved.
According to the technical scheme of the invention, the following beneficial effects can be realized:
1. the payment method is analyzed, and the key point is to analyze and predict the willingness of the user to pay a fee per month by selecting one-time payment or electronic signing.
2. The operation business uses more telephone bill deductions and also uses the telephone bill deductions as a payment signing mode to carry out analysis together.
3. And carrying out subscription analysis on the user according to the telephone fee deduction data of the service operator and the internet payment behavior data.
4. The system realizes online payment behavior collection of the APP, classifies user behaviors in real time, and recommends a unified withholding service electronic signing service and recommendation sequencing of other payment modes under the condition of matching user wishes.
5. The electronic subscription service platform has the advantages that the electronic subscription service platform can continuously charge for many years according to months by one time, the problems of difficult user education and high subsequent maintenance cost in the popularization of value-added services of operators in internet channels are solved, the payment fee deduction mode of the user is accurately positioned, the complaints of the user and the subsequent fee deduction difficulty are reduced, and the long-term development of the services is facilitated.
The above description is intended to be illustrative of the present invention and not to limit the scope of the invention, which is defined by the claims appended hereto.
Claims (10)
1. An electronic subscription recommendation system based on user payment behavior analysis, comprising:
the mobile terminal signing module is used for realizing and managing electronic signing with the user by multiple merchants by using the payment channels applied by the merchants respectively and initiating payment;
the payment behavior collection module establishes a uniform payment behavior collection interface, and after receiving a payment request, the information to be paid, which can be collected by the payment behavior collection module, includes: user information and geographical position when the payment operation request is sent, time for sending the payment operation request, service information to be paid and stay time of a user on a selected package page;
a payment behavior analysis module for analyzing and calculating according to the collected payment behavior information, and recommending the electronic signing scheme with priority for payment used by the user,
wherein the method of analyzing and calculating comprises: according to various service data of user payment and fee deduction in internet channel and the fee deduction data of operator bill, the historical payment user data is classified according to payment mechanism and signing fee deduction conditions by adopting a kmenas algorithm, then according to the information to be paid collected by a payment behavior collection module, whether the characteristics of the current user are classified into the characteristic set of the signed user of the service is calculated by using a nearest neighbor algorithm, the signing mode of the payment mechanism most possibly used by the user is calculated to serve as first priority recommendation, then according to Euclidean distance, the priority is calculated according to the algorithm, and a sequencing rule is provided.
2. An electronic subscription recommendation system as defined in claim 1, wherein the payment channel comprises: WeChat, Paibao, Payment;
the mobile terminal subscription module function comprises:
signing, wherein the signing guides a user to carry out authorized signing of a deduction protocol, and after the signing is successful, a service end is called back to provide a unique electronic signing contract number for subsequently initiating deduction;
deducting money, namely using the contract number to automatically deduct money for the user after the user consumes or services without the confirmation of the user; and
clearing, querying, reconciliation, and refund.
3. An electronic subscription recommendation system in accordance with claim 1, wherein the Euclidean distance used by the payment behavior analysis module calculates a ranking for each payment method,
if no data of the current user withholding other services or telecommunication bills exist, calculating each distance difference value between the user and the payment user class in the library according to the information to be paid of the user, wherein the formula is as follows:
the priority number is the Euclidean distance difference value weight + the geographic position difference value weight + the time difference value weight of the operation request + the business information difference value weight to be paid;
if the current user has data for deduction in other services or telecommunication bills, the calculation formula needs to increase the historical payment preference value:
the priority number is the historical payment preference value + the euclidean distance difference value + the weight + the geographic position difference value + the weight + the time difference value of the operation request + the business information difference value to be paid + the weight.
4. An electronic contract-signing recommendation system according to claim 1, wherein the payment behavior collection module collects information to be paid, all the information needs to be transmitted in an encrypted manner, secondary development and use are carried out when necessary, and multiple channel access needs to be supported; and after the payment behavior collection module collects the information to be paid of the user, cleaning and processing the information to be paid and the historical payment user data.
5. An electronic contract-signing recommendation system according to claim 1, wherein the payment behavior analysis module outputs the ordering rule and then arranges the rules according to the screen region heat priority of the mobile terminal, wherein the optimal recommended payment mode is placed in the hottest region of the screen.
6. An electronic signing recommendation method based on user payment behavior analysis comprises the following steps:
the mobile terminal signs a contract, realizes and manages electronic signing between multiple merchants and the user by using the payment channels applied by the merchants respectively, and initiates payment;
the payment behavior collection method comprises the steps of collecting payment behaviors, establishing a uniform payment behavior collection interface, and after receiving a payment request, collecting information to be paid by a payment behavior collection module, wherein the information to be paid comprises the following steps: user information and geographical position when the payment operation request is sent, time for sending the payment operation request, service information to be paid and stay time of a user on a selected package page;
analyzing payment behavior, analyzing and calculating according to the collected payment behavior information, and recommending an electronic signing scheme with priority for payment used by a user,
wherein the method of analyzing and calculating comprises: according to various service data of user payment and fee deduction in internet channel and the fee deduction data of operator bill, the historical payment user data is classified according to payment mechanism and signing fee deduction conditions by adopting a kmenas algorithm, then according to the information to be paid collected by a payment behavior collection module, whether the characteristics of the current user are classified into the characteristic set of the signed user of the service is calculated by using a nearest neighbor algorithm, the signing mode of the payment mechanism most possibly used by the user is calculated to serve as first priority recommendation, then according to Euclidean distance, the priority is calculated according to the algorithm, and a sequencing rule is provided.
7. An electronic subscription recommendation method as defined in claim 6, wherein the payment channel includes: WeChat, Paibao, Payment;
the mobile terminal subscription module function comprises:
signing, wherein the signing guides a user to carry out authorized signing of a deduction protocol, and after the signing is successful, a service end is called back to provide a unique electronic signing contract number for subsequently initiating deduction;
deducting money, namely using the contract number to automatically deduct money for the user after the user consumes or services without the confirmation of the user; and
clearing, querying, reconciliation, and refund.
8. An electronic subscription recommendation method as defined in claim 6, wherein the Euclidean distance used by the payment behavior analysis module calculates a ranking for each payment method,
if no data of the current user withholding other services or telecommunication bills exist, calculating each distance difference value between the user and the payment user class in the library according to the information to be paid of the user, wherein the formula is as follows:
the priority number is the Euclidean distance difference value weight + the geographic position difference value weight + the time difference value weight of the operation request + the business information difference value weight to be paid;
if the current user has data for deduction in other services or telecommunication bills, the calculation formula needs to increase the historical payment preference value:
the priority number is the historical payment preference value + the euclidean distance difference value + the weight + the geographic position difference value + the weight + the time difference value of the operation request + the business information difference value to be paid + the weight.
9. An electronic contract-signing recommendation method according to claim 6, wherein the information to be paid collected by the payment behavior collection module, all messages need to be encrypted for transmission, secondary development and use are carried out if necessary, and multiple channel access needs to be supported; and after the payment behavior collection module collects the information to be paid of the user, cleaning and processing the information to be paid and the historical payment user data.
10. The electronic contract recommending method of claim 1, wherein the payment behavior analyzing module outputs the ordering rule and then arranges the rules according to the screen region heat priority of the mobile terminal,
wherein the optimal recommended payment method is placed in the hottest area of the screen.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111588554.4A CN114358785A (en) | 2021-12-23 | 2021-12-23 | Electronic subscription recommendation system and method based on user payment behavior analysis |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111588554.4A CN114358785A (en) | 2021-12-23 | 2021-12-23 | Electronic subscription recommendation system and method based on user payment behavior analysis |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114358785A true CN114358785A (en) | 2022-04-15 |
Family
ID=81101696
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111588554.4A Pending CN114358785A (en) | 2021-12-23 | 2021-12-23 | Electronic subscription recommendation system and method based on user payment behavior analysis |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114358785A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116562891A (en) * | 2023-05-16 | 2023-08-08 | 广东星云开物科技股份有限公司 | Payment complaint processing method, system, electronic equipment and storage medium |
| CN117391689A (en) * | 2023-10-18 | 2024-01-12 | 广东抱谷科技有限公司 | Payment control method, device and storage medium for multi-channel data processing |
| CN117880067A (en) * | 2024-01-15 | 2024-04-12 | 北京立夏智能科技有限公司 | Electronic subscription channel configuration method, system, device and storage medium |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254028A (en) * | 2011-07-22 | 2011-11-23 | 青岛理工大学 | Personalized commodity recommendation method and system integrating attributes and structural similarity |
| CN106557956A (en) * | 2016-11-29 | 2017-04-05 | 国网山东省电力公司电力科学研究院 | A kind of method with regard to configuring client's paying service information pushing strategy |
| US20170278084A1 (en) * | 2016-03-25 | 2017-09-28 | Amazon Technologies, Inc. | Unified payment interface preference monitoring service capable of integration into merchant sites |
| CN110647687A (en) * | 2019-09-26 | 2020-01-03 | 支付宝(杭州)信息技术有限公司 | Service recommendation method and device |
| CN111144874A (en) * | 2019-12-20 | 2020-05-12 | 支付宝实验室(新加坡)有限公司 | Payment mode recommendation method, device and equipment |
| CN111221868A (en) * | 2018-11-26 | 2020-06-02 | 国网上海市电力公司 | Data mining and analyzing method applied to channel preference of power customer |
| KR20210056746A (en) * | 2019-11-11 | 2021-05-20 | 한국전자기술연구원 | Method for recommending total-service related to share-service |
-
2021
- 2021-12-23 CN CN202111588554.4A patent/CN114358785A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102254028A (en) * | 2011-07-22 | 2011-11-23 | 青岛理工大学 | Personalized commodity recommendation method and system integrating attributes and structural similarity |
| US20170278084A1 (en) * | 2016-03-25 | 2017-09-28 | Amazon Technologies, Inc. | Unified payment interface preference monitoring service capable of integration into merchant sites |
| CN106557956A (en) * | 2016-11-29 | 2017-04-05 | 国网山东省电力公司电力科学研究院 | A kind of method with regard to configuring client's paying service information pushing strategy |
| CN111221868A (en) * | 2018-11-26 | 2020-06-02 | 国网上海市电力公司 | Data mining and analyzing method applied to channel preference of power customer |
| CN110647687A (en) * | 2019-09-26 | 2020-01-03 | 支付宝(杭州)信息技术有限公司 | Service recommendation method and device |
| KR20210056746A (en) * | 2019-11-11 | 2021-05-20 | 한국전자기술연구원 | Method for recommending total-service related to share-service |
| CN111144874A (en) * | 2019-12-20 | 2020-05-12 | 支付宝实验室(新加坡)有限公司 | Payment mode recommendation method, device and equipment |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116562891A (en) * | 2023-05-16 | 2023-08-08 | 广东星云开物科技股份有限公司 | Payment complaint processing method, system, electronic equipment and storage medium |
| CN116562891B (en) * | 2023-05-16 | 2023-10-20 | 广东星云开物科技股份有限公司 | Payment complaint processing method, system, electronic equipment and storage medium |
| CN117391689A (en) * | 2023-10-18 | 2024-01-12 | 广东抱谷科技有限公司 | Payment control method, device and storage medium for multi-channel data processing |
| CN117880067A (en) * | 2024-01-15 | 2024-04-12 | 北京立夏智能科技有限公司 | Electronic subscription channel configuration method, system, device and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN114358785A (en) | Electronic subscription recommendation system and method based on user payment behavior analysis | |
| US8731157B2 (en) | Apparatus and method for ensuring a real-time connection between users and selected service provider using voice mail | |
| US6636590B1 (en) | Apparatus and method for specifying and obtaining services through voice commands | |
| US8831965B2 (en) | Apparatus and method for online advice customer relationship management | |
| KR100449786B1 (en) | System and method for performing personal finance management using the Internet | |
| US20070291741A1 (en) | Payment System and Its Method for Supporting User Verification in Voip Configuration | |
| WO2018161898A1 (en) | Method and apparatus for guiding service flow | |
| CN111583008A (en) | Intelligent automatic charge cancellation system and method for electricity consumption customers | |
| CN100409615C (en) | Accounting method and communication device | |
| US20010049658A1 (en) | Method and system for providing an online collections services marketplace | |
| KR20060105741A (en) | Method and system for receiver self-priced multimedia communication over the internet and a member pool incorporating advertising placement in conjunction with a search engine | |
| KR100294360B1 (en) | Method for Internet Free Handphone Service and Apparatus thereof | |
| KR100868379B1 (en) | Method for furnishing phone number search ranking and/or economic trend index using database of phone number and System for the same | |
| CN107025556A (en) | A kind of membership management system suitable for trading processing | |
| KR100476834B1 (en) | Billing Agency System and Method Using Mobile Terminal | |
| JP2003178238A (en) | Information distributing method and device and its processing program | |
| CN117408531B (en) | Customer information management method and system for intelligent big data matching | |
| CN116366436B (en) | Method for providing various telecom value-added services based on wide area networking | |
| WO2012150586A1 (en) | System and method for fulfilling service requests and dispatching | |
| JP2004038492A (en) | Method and system for providing pay information | |
| KR20070117761A (en) | Offering civil official service provision system and the method | |
| JP5343022B2 (en) | Billing apparatus, billing method and program | |
| KR20060025267A (en) | A method for providing a small loan service for telecommunication subscriber | |
| JP2004046330A (en) | System for split billing of service charge | |
| EA006109B1 (en) | Method of charging payments in data transfer networks using telecommunication system and device therefor |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |