CN114997917A - Mobile banking information pushing method and device - Google Patents
Mobile banking information pushing method and device Download PDFInfo
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- CN114997917A CN114997917A CN202210601075.XA CN202210601075A CN114997917A CN 114997917 A CN114997917 A CN 114997917A CN 202210601075 A CN202210601075 A CN 202210601075A CN 114997917 A CN114997917 A CN 114997917A
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Abstract
The invention discloses a method and a device for pushing information of a mobile phone bank, relating to the technical field of finance; wherein the method comprises the following steps: acquiring short message information of a user; screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small; and sending the bank advertisement information corresponding to the selected advertisement category to be recommended to the mobile phone bank of the user. The invention can reduce the waste of pushing resources.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for pushing mobile banking information. It should be noted that the method and the device for pushing information of mobile banking in the present invention can be used in the field of financial technology, and can also be used in any field except the field of financial technology.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Currently, when a user logs in a mobile phone bank, the bank can randomly send advertisement information to the user. The advertisement recommendation method cannot recommend accurate and applicable information for the user, so that the information push resource is wasted, the information push accuracy is low, the user experience is influenced by recommending useless information for the user, and effective recommendation service cannot be provided for the user.
Disclosure of Invention
The embodiment of the invention provides a mobile banking information pushing method, which is used for improving the accuracy of mobile banking information pushing, reducing resource waste and improving user experience and comprises the following steps:
under the authorization of a user, acquiring short message information of the user in a preset time period; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user.
The embodiment of the invention also provides a mobile banking information pushing device, which is used for improving the accuracy of mobile banking information pushing, reducing resource waste and improving user experience, and comprises:
the short message information acquisition module is used for acquiring the short message information of the user in a preset time period under the authorization of the user; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
the first processing module is used for screening out advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
the second processing module is used for obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
the advertisement category to be recommended determining module is used for selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
and the advertisement information sending module is used for sending the selected bank advertisement information corresponding to the advertisement category to be recommended to the mobile phone bank of the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the mobile phone bank information pushing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the mobile banking information push method is realized.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and when the computer program is executed by a processor, the mobile phone bank information pushing method is realized.
In the embodiment of the invention, under the authorization of a user, short message information of the user in a preset time period is acquired; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period; screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages; obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user; selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small; and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user. Therefore, the advertisement categories which are interested by the user can be determined according to the reading condition of the advertisement short messages by the user, and the advertisement information of the mobile phone bank which is suitable for the user to be interested is pushed to the user according to the advertisement categories which are interested by the user, so that the accuracy of pushing the mobile phone bank information is improved, the waste of pushing resources is reduced, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a method for pushing information of a mobile banking machine provided in an embodiment of the present invention;
fig. 2 is a flowchart of a method for acquiring short message information of a user within a preset time period under authorization of the user according to an embodiment of the present invention;
fig. 3 is a flowchart of a method for screening out advertisement short message information related to bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining an advertisement category corresponding to each advertisement short message in the advertisement short message information, according to an embodiment of the present invention;
fig. 4 is a flowchart of a method for obtaining a degree of interest value of a user for each advertisement category according to a ratio of read advertisement messages in each advertisement category to a total number of advertisement messages in the advertisement category and a reading interval duration of each read advertisement message in the advertisement category, provided in an embodiment of the present invention;
fig. 5 is a schematic diagram of a mobile banking information pushing device provided in the embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
Research shows that when a user logs in a mobile phone bank, the bank can randomly send advertisement information to the user. The advertisement recommendation method cannot recommend accurate and suitable information for the user, so that the information push resource is wasted, the information push accuracy is low, the user experience is influenced by recommending useless information for the user, and effective recommendation service cannot be provided for the user.
In view of the above research, an embodiment of the present invention provides a method for pushing information of a mobile banking machine, as shown in fig. 1, including:
s101: under the authorization of a user, acquiring short message information of the user in a preset time period; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
s102: screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
s103: obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
s104: selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
s105: and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user.
In the embodiment of the invention, under the authorization of a user, short message information of the user in a preset time period is acquired; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period; screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages; obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user; selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small; and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user. Therefore, the advertisement categories which are interested by the user can be determined according to the reading condition of the advertisement short messages by the user, and the advertisement information of the mobile phone bank which is suitable for the user to be interested is pushed to the user according to the advertisement categories which are interested by the user, so that the accuracy of pushing the mobile phone bank information is improved, the waste of pushing resources is reduced, and the user experience is improved.
The mobile banking information push method is explained in detail below.
For the above S101, the short message information at least includes the short message content and the receiving time of each short message in a preset time period.
As shown in fig. 2, a flowchart of a method for acquiring short message information of a user within a preset time period under authorization of the user according to an embodiment of the present invention includes:
s201: and when a login request submitted by the mobile phone bank of the user is received, sending an authorization request to the mobile phone bank of the user.
S202: after receiving the feedback of the mobile banking of the user: and when the authorization instruction is agreed, sending a short message information reading request to a mobile phone bank of the user, wherein the short message information reading request carries reading duration so that the mobile phone bank can read the short message information in a corresponding time period according to the reading duration.
Here, the reading duration corresponds to a preset time period, the reading duration may be set according to the preset time period, for example, if the preset time period is a last year, the reading duration is 1 year, and the mobile banking reads the short message information of the user in the last year according to the reading duration; if the preset time period is nearly one month, the reading time is 1 month, and the mobile phone bank reads the short message information of the user in the nearly one month according to the reading time.
S203: and receiving the short message information in the preset time period sent by the mobile phone bank of the user according to the short message information reading request.
In an embodiment of the present invention, the short message further includes, for example: and reading time of the read short message.
In the step S102, the short message information in the preset time period includes the short message information irrelevant to the bank advertisement information, the short message information irrelevant to the bank advertisement information needs to be deleted, the remaining short message information is the advertisement short message information relevant to the bank advertisement information, the short message in the advertisement short message information is determined to be the advertisement short message, and the advertisement short message information includes the short message content and the receiving time corresponding to each advertisement short message.
In addition, the bank advertising information is classified into various advertising categories, including, for example: the financial product recommendation system comprises a financial product recommendation class, a banking transaction recommendation class and the like, wherein the financial product recommendation class comprises advertisement classes (such as a steady class, a risk class and the like) corresponding to various categories of financial products, and the banking transaction recommendation class comprises the following steps: a life payment recommending and handling class, a transfer remittance recommending and handling class and the like. Therefore, each advertisement short message in the advertisement short message information corresponds to different bank advertisement categories, and the bank advertisement category corresponding to each advertisement short message needs to be determined.
As shown in fig. 3, a flowchart of a method for screening out advertisement short message information related to bank advertisement information from short message information according to keywords corresponding to each advertisement category of the bank advertisement information, and determining an advertisement category corresponding to each advertisement short message in the advertisement short message information, provided by an embodiment of the present invention, includes:
s301: and performing word segmentation processing on the short message content of each short message to obtain word segmentation corresponding to each short message.
S302: and comparing the participles corresponding to each short message with the keywords corresponding to each advertisement category of the bank advertisement information respectively to obtain the degree of correlation between each short message and each advertisement category respectively.
Specifically, comparing the participle corresponding to each short message with the keyword corresponding to each advertisement category of the bank advertisement information, to obtain the correlation degree value between each short message and each advertisement category, for example, includes: aiming at each short message: comparing the participles corresponding to the short message with the keywords corresponding to each advertisement category of the bank advertisement information; determining the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category; and dividing the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category, by the total number of the participles contained in the short message to obtain the degree of correlation between the short message and each advertisement category.
Illustratively, the short message 1 includes 10 segmented words altogether, the advertisement category 1 includes 5 keywords, and 3 segmented words in the 10 segmented words of the short message 1 are consistent with 3 keywords in the advertisement category 1, so that the degree of correlation between the short message 1 and the advertisement category 1 is: 0.3/10.
S303: and according to the maximum correlation degree value in the correlation degree values corresponding to each short message, taking the short message of which the corresponding maximum correlation degree value is smaller than the preset correlation degree value as an irrelevant short message.
S304: and deleting the short message content and the receiving time of the irrelevant short message from the short message information to obtain advertisement short message information, and taking each short message contained in the advertisement short message information as the advertisement short message.
Therefore, the advertisement short message information related to the bank advertisement information can be screened from the short message information, the calculation process aiming at the irrelevant short message is reduced, the calculation resource is saved, the efficiency of subsequently determining the advertisement information pushed to the mobile phone bank is improved, and the user experience is improved.
S305: and determining the advertisement category corresponding to each advertisement short message according to the correlation degree value of each advertisement short message and each advertisement category.
Here, each advertisement short message and each advertisement category have a degree of correlation value, and thus the number of degree of correlation values corresponding to each advertisement short message is the number of advertisement categories.
For example, a total of 2 advertisement messages are included: the short message 1 and the short message 2 have 3 advertisement categories: advertisement category 1, advertisement category 2, and advertisement category 3, the corresponding relevancy value of the short message 1 includes: the degree of correlation between the short message 1 and the advertisement category 1, the degree of correlation between the short message 1 and the advertisement category 2, and the degree of correlation between the short message 1 and the advertisement category 3, wherein the degree of correlation corresponding to the short message 2 includes: the correlation degree value of the short message 2 and the advertisement category 1, the correlation degree value of the short message 2 and the advertisement category 2, and the correlation degree value of the short message 2 and the advertisement category 3.
In an embodiment of the present invention, determining the advertisement category corresponding to each advertisement short message according to the degree of correlation between each advertisement short message and each advertisement category includes: aiming at each advertisement short message: and determining the advertisement category corresponding to the maximum correlation degree value corresponding to the advertisement short message as the advertisement category corresponding to the advertisement short message.
In another embodiment of the present invention, determining the advertisement category corresponding to each advertisement short message according to the degree of correlation between each advertisement short message and each advertisement category includes: aiming at each advertisement short message: and sequencing the corresponding correlation degree values of the advertisement short message, selecting a plurality of correlation degree values according to the sequencing and the sequence of the correlation degree values from large to small, and determining the advertisement category corresponding to the selected correlation degree value as the advertisement category corresponding to the advertisement short message.
Here, the number of the selected relevance degree values may be set according to a specific application scenario, and in this embodiment, one advertisement short message may correspond to multiple advertisement categories.
For the above S103, after the advertisement category corresponding to the advertisement short message is determined, the interest level value of the user in each advertisement category needs to be further determined according to the reading condition of the user for the advertisement short message of each advertisement category.
In an embodiment of the present invention, the short message information of the user in the preset time period further includes, for example: reading time of the read short message; therefore, the advertisement short message information obtained by deleting the irrelevant short message information also comprises: and reading time of the read advertisement short message.
As shown in fig. 4, a flowchart of a method for obtaining a degree of interest of a user in each advertisement category according to a ratio of read advertisement messages in each advertisement category to a total number of advertisement messages in the advertisement category and a reading interval duration of each read advertisement message in the advertisement category provided by the embodiment of the present invention includes:
s401: aiming at each read advertisement short message in each advertisement category, obtaining the reading interval duration of the read advertisement message according to the difference value between the receiving time and the reading time of the read advertisement short message;
s402: for each advertisement category: obtaining the average reading interval duration of the read advertisement short messages of the advertisement category according to the reading interval duration of each read advertisement short message in the advertisement category and the number of the read advertisement short messages in the advertisement category;
s403: for each advertisement category: and dividing the average reading interval duration of the advertisement messages read in the advertisement category by the proportion of the advertisement messages read in the advertisement category to the total number of the advertisement messages in the advertisement category to obtain the interest degree value of the user in the advertisement category.
For the above S104 to S105, the preset number may be configured, for example, in combination with a specific application scenario, and is not limited herein. According to the interest degree value of each advertisement category corresponding to the user and the sequence of interest degree values of the advertisement categories from large to small, a preset number of advertisement categories to be recommended are selected from the advertisement categories, and then the bank advertisement information corresponding to the selected advertisement categories to be recommended is sent to the mobile phone bank of the user.
In an embodiment of the present invention, sending the selected bank advertisement information corresponding to the advertisement category to be recommended to the mobile phone bank of the user includes, for example: and generating a recommendation sequence of the advertisement information of each bank according to the generation time of the advertisement information of each bank in each selected advertisement category and the sequence from near to far from the current time, and sending the advertisement information of the bank to a mobile phone bank of the user according to the recommendation sequence.
The embodiment of the invention also provides a mobile banking information pushing device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the mobile phone bank information pushing method, the implementation of the device can refer to the implementation of the mobile phone bank information pushing method, and repeated parts are not described again.
As shown in fig. 5, a schematic diagram of a mobile banking information pushing apparatus provided in an embodiment of the present invention includes:
a short message information obtaining module 501, configured to obtain, under authorization of a user, short message information of the user within a preset time period; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
the first processing module 502 is configured to screen advertisement short message information related to bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determine an advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
the second processing module 503 is configured to obtain a degree of interest of the user for each advertisement category according to a ratio of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and a reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
the advertisement category to be recommended determining module 504 is configured to select a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
and the advertisement information sending module 505 is configured to send the selected bank advertisement information corresponding to the advertisement category to be recommended to the mobile phone bank of the user.
In a possible implementation manner, the short message information obtaining module is specifically configured to send an authorization request to the mobile banking of the user when receiving a login request submitted by the mobile banking of the user; after receiving the feedback of the mobile banking of the user: when the authorization instruction is agreed, sending a short message information reading request to a mobile phone bank of the user; the short message information reading request carries reading duration so that a mobile phone bank can read the short message information in a corresponding time period according to the reading duration; and receiving the short message information in the preset time period sent by the mobile phone bank of the user according to the short message information reading request.
In a possible implementation manner, the first processing module is specifically configured to perform word segmentation processing on the short message content of each short message to obtain word segments corresponding to the short messages respectively; comparing the participles corresponding to each short message with the keywords corresponding to each advertisement category of the bank advertisement information respectively to obtain the degree of correlation between each short message and each advertisement category respectively; according to the maximum correlation degree value in the correlation degree values corresponding to each short message, taking the short message of which the corresponding maximum correlation degree value is smaller than a preset correlation degree value as an irrelevant short message; deleting the short message content of irrelevant short messages and the receiving time from the short message information to obtain advertisement short message information, and taking each short message contained in the advertisement short message information as an advertisement short message; and determining the advertisement category corresponding to each advertisement short message according to the correlation degree value of each advertisement short message and each advertisement category.
In a possible implementation manner, the first processing module is specifically configured to, for each short message: comparing the participles corresponding to the short message with the keywords corresponding to each advertisement category of the bank advertisement information; determining the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category; and dividing the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category, by the total number of the participles contained in the short message to obtain the degree value of the short message, which is respectively related to each advertisement category.
In a possible implementation manner, the short message information further includes: reading time of the read short message; the advertisement short message information also comprises: reading time of the read advertisement short message; the second processing module is specifically used for obtaining the reading interval duration of the read advertisement information according to the difference value between the receiving time and the reading time of the read advertisement short message aiming at each read advertisement short message in each advertisement category; for each advertisement category: obtaining the average reading interval duration of the read advertisement short messages of the advertisement category according to the reading interval duration of each read advertisement short message in the advertisement category and the number of the read advertisement short messages in the advertisement category; for each advertisement category: and dividing the average reading interval duration of the advertisement messages read in the advertisement category by the proportion of the advertisement messages read in the advertisement category to the total number of the advertisement messages in the advertisement category to obtain the interest degree value of the user in the advertisement category.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the mobile phone bank information pushing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when being executed by a processor, the computer program realizes the mobile banking information pushing method.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and when the computer program is executed by a processor, the mobile phone bank information pushing method is realized.
In the embodiment of the invention, under the authorization of a user, short message information of the user in a preset time period is acquired; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period; screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages; obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user; selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small; and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user. Therefore, the advertisement categories which are interested by the user can be determined according to the reading condition of the advertisement short messages by the user, and the advertisement information of the mobile phone bank which is suitable for the user to be interested is pushed to the user according to the advertisement categories which are interested by the user, so that the accuracy of pushing the mobile phone bank information is improved, the waste of pushing resources is reduced, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, 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, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (13)
1. A mobile banking information pushing method is characterized by comprising the following steps:
under the authorization of a user, acquiring short message information of the user in a preset time period; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
screening advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
and sending the selected bank advertisement information corresponding to the advertisement category to be recommended to a mobile phone bank of the user.
2. The method for pushing information of a mobile banking machine as claimed in claim 1, wherein obtaining the short message information of the user within a preset time period under the authorization of the user includes:
when a login request submitted by the mobile phone bank of the user is received, an authorization request is sent to the mobile phone bank of the user;
after receiving the feedback of the mobile banking of the user: when the authorization instruction is agreed, sending a short message information reading request to a mobile phone bank of the user; the short message information reading request carries reading duration so that a mobile phone bank can read the short message information in a corresponding time period according to the reading duration;
and receiving the short message information in the preset time period sent by the mobile phone bank of the user according to the short message information reading request.
3. The method for pushing the mobile banking information as claimed in claim 1, wherein the step of screening the advertisement short message information related to the banking advertisement information from the short message information according to the keyword corresponding to each advertisement category of the banking advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information comprises:
performing word segmentation processing on the short message content of each short message to obtain word segments corresponding to each short message;
comparing the participles corresponding to each short message with the keywords corresponding to each advertisement category of the bank advertisement information respectively to obtain the degree of correlation between each short message and each advertisement category respectively;
according to the maximum correlation degree value in the correlation degree values corresponding to each short message, taking the short message of which the corresponding maximum correlation degree value is smaller than a preset correlation degree value as an irrelevant short message;
deleting the short message content of irrelevant short messages and the receiving time from the short message information to obtain advertisement short message information, and taking each short message contained in the advertisement short message information as an advertisement short message;
and determining the advertisement category corresponding to each advertisement short message according to the correlation degree value of each advertisement short message and each advertisement category.
4. The method for pushing mobile banking information as claimed in claim 3, wherein the step of comparing the participle corresponding to each short message with the keyword corresponding to each advertisement category of the bank advertisement information to obtain the degree of relevance of each short message with each advertisement category comprises:
aiming at each short message:
comparing the participles corresponding to the short message with the keywords corresponding to each advertisement category of the bank advertisement information;
determining the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category;
and dividing the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category, by the total number of the participles contained in the short message to obtain the degree of correlation between the short message and each advertisement category.
5. The method for pushing information of mobile banking machine as claimed in claim 1, wherein said short message information further includes: reading time of the read short message; the advertisement short message information also comprises: reading time of the read advertisement short message;
obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of each read advertisement short message in the advertisement category, wherein the interest degree value comprises the following steps:
aiming at each read advertisement short message in each advertisement category, obtaining the reading interval duration of the read advertisement message according to the difference value between the receiving time and the reading time of the read advertisement short message;
for each advertisement category: obtaining the average reading interval duration of the read advertisement short messages of the advertisement category according to the reading interval duration of each read advertisement short message in the advertisement category and the number of the read advertisement short messages in the advertisement category;
for each advertisement category: and dividing the average reading interval duration of the advertisement messages read in the advertisement category by the proportion of the advertisement messages read in the advertisement category to the total number of the advertisement messages in the advertisement category to obtain the interest degree value of the user in the advertisement category.
6. The utility model provides a cell-phone bank information pusher which characterized in that includes:
the short message information acquisition module is used for acquiring the short message information of the user in a preset time period under the authorization of the user; the short message information at least comprises short message contents and receiving moments of short messages in a preset time period;
the first processing module is used for screening out advertisement short message information related to the bank advertisement information from the short message information according to keywords respectively corresponding to each advertisement category of the bank advertisement information, and determining the advertisement category corresponding to each advertisement short message in the advertisement short message information; the advertisement short message information comprises short message contents and receiving moments corresponding to the advertisement short messages;
the second processing module is used for obtaining the interest degree value of the user to each advertisement category according to the proportion of the read advertisement short messages in each advertisement category to the total number of the advertisement short messages in the advertisement category and the reading interval duration of the read advertisement short messages in the advertisement category; the reading interval duration is the duration from the short message receiving time to the time read by the user;
the advertisement category to be recommended determining module is used for selecting a preset number of advertisement categories to be recommended from the advertisement categories according to the interest degree value of each advertisement category and the sequence of interest degree values of the advertisement categories from large to small;
and the advertisement information sending module is used for sending the selected bank advertisement information corresponding to the advertisement category to be recommended to the mobile phone bank of the user.
7. The device for pushing information of a mobile banking machine as claimed in claim 6, wherein the short message information obtaining module is specifically configured to send an authorization request to the mobile banking of the user when receiving a login request submitted by the mobile banking of the user;
after receiving the feedback of the mobile banking of the user: when the authorization instruction is agreed, sending a short message information reading request to a mobile phone bank of the user; the short message information reading request carries reading duration so that a mobile phone bank can read the short message information in a corresponding time period according to the reading duration;
and receiving the short message information in the preset time period sent by the mobile phone bank of the user according to the short message information reading request.
8. The device for pushing mobile banking information as claimed in claim 6, wherein the first processing module is specifically configured to perform word segmentation processing on the short message content of each short message to obtain word segments corresponding to each short message;
comparing the participles corresponding to each short message with the keywords corresponding to each advertisement category of the bank advertisement information respectively to obtain the degree of correlation between each short message and each advertisement category respectively;
according to the maximum correlation degree value in the correlation degree values corresponding to each short message, taking the short message of which the corresponding maximum correlation degree value is smaller than a preset correlation degree value as an irrelevant short message;
deleting the short message content of irrelevant short messages and the receiving time from the short message information to obtain advertisement short message information, and taking each short message contained in the advertisement short message information as an advertisement short message;
and determining the advertisement category corresponding to each advertisement short message according to the correlation degree value of each advertisement short message and each advertisement category.
9. The device for pushing mobile banking information as claimed in claim 8, wherein the first processing module is specifically configured to, for each short message:
comparing the participles corresponding to the short message with the keywords corresponding to each advertisement category of the bank advertisement information;
determining the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category;
and dividing the number of the participles of the short message, which are respectively consistent with the keywords corresponding to each advertisement category, by the total number of the participles contained in the short message to obtain the degree value of the short message, which is respectively related to each advertisement category.
10. The device for pushing mobile banking information as claimed in claim 6, wherein the short message information further comprises: reading time of the read short message; the advertisement short message information also comprises: reading time of the read advertisement short message;
the second processing module is specifically used for obtaining the reading interval duration of the read advertisement information according to the difference value between the receiving time and the reading time of the read advertisement short message aiming at each read advertisement short message in each advertisement category;
for each advertisement category: obtaining the average reading interval duration of the read advertisement short messages of the advertisement category according to the reading interval duration of each read advertisement short message in the advertisement category and the number of the read advertisement short messages in the advertisement category;
for each advertisement category: and dividing the average reading interval duration of the advertisement messages read in the advertisement category by the proportion of the advertisement messages read in the advertisement category to the total number of the advertisement messages in the advertisement category to obtain the interest degree value of the user in the advertisement category.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 5 when executing the computer program.
12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 5.
13. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210601075.XA CN114997917A (en) | 2022-05-30 | 2022-05-30 | Mobile banking information pushing method and device |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210601075.XA CN114997917A (en) | 2022-05-30 | 2022-05-30 | Mobile banking information pushing method and device |
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| Publication Number | Publication Date |
|---|---|
| CN114997917A true CN114997917A (en) | 2022-09-02 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210601075.XA Pending CN114997917A (en) | 2022-05-30 | 2022-05-30 | Mobile banking information pushing method and device |
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| Country | Link |
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| CN (1) | CN114997917A (en) |
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2022
- 2022-05-30 CN CN202210601075.XA patent/CN114997917A/en active Pending
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