CN115018529A - Financial advertisement generation method, device, equipment and storage medium - Google Patents
Financial advertisement generation method, device, equipment and storage medium Download PDFInfo
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Abstract
The invention relates to the technical field of big data, and discloses a financial advertisement generation method, device, equipment and storage medium, which are used for improving the accuracy of financial advertisement generation. The financial advertisement generating method comprises the following steps: acquiring transaction data of a target account, and carrying out consumption type classification on the transaction data to obtain a target consumption record of a target consumption type; the cash flow data of the target account is obtained, and the cash flow abundance level of the target account is determined according to the cash flow data and the target consumption record; acquiring asset configuration information of a target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level; generating a wealth feature tag of a target account through preset user portrait data; and generating a target financing advertisement based on the financing condition information and the financing feature label. In addition, the invention also relates to a block chain technology, and the target financing advertisement can be stored in the block chain node.
Description
Technical Field
The invention relates to the field of intelligent recommendation, in particular to a financial advertisement generation method, device, equipment and storage medium.
Background
With the development of the internet technology, the internet advertisement is also developed, the internet advertisement putting is no longer in a wide-area network mode through a big data analysis technology, and the requirement of the market on the advertisement putting accuracy is higher and higher.
For the delivery of financial advertisements, in the prior art, financial advertisements are usually generated by analyzing data of a user representation system or based on current asset data of a user, such as account balance, but a single user representation system or asset data cannot reflect the real financial condition of the user, so that the generated financial advertisements are not accurate.
Disclosure of Invention
The invention provides a method, a device, equipment and a storage medium for generating a financial advertisement, which are used for improving the accuracy of generating the financial advertisement.
The invention provides a financial advertisement generating method in a first aspect, which comprises the following steps:
acquiring transaction data of a target account, and carrying out consumption type classification on the transaction data to obtain a target consumption record of a target consumption type;
obtaining cash flow data of the target account, and determining the cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
acquiring asset configuration information of the target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
generating a wealth feature tag of the target account through preset user portrait data;
and generating a target financing advertisement based on the wealth condition information and the wealth feature label.
Optionally, in a first implementation manner of the first aspect of the present invention, the obtaining transaction data of a target account and performing consumption type classification on the transaction data to obtain a target consumption record of a target consumption type includes:
acquiring transaction data of a target account in a preset time period, and extracting initial consumption data in the transaction data;
based on the consumption amount information and the consumption object information in the initial consumption data, performing data screening on the initial consumption data to obtain target consumption data;
and carrying out consumption type classification on the target consumption data to obtain a target consumption record of a target consumption type.
Optionally, in a second implementation manner of the first aspect of the present invention, the classifying the target consumption data into consumption types to obtain a target consumption record of a target consumption type includes:
acquiring preset consumption type keywords, wherein the consumption type keywords comprise a keyword set corresponding to each consumption type;
extracting payee information and remark information of each consumption record in the target consumption data, and performing consumption type keyword matching on the payee information and the remark information according to the consumption type keyword to obtain consumption type information corresponding to each consumption record;
and screening the target consumption type of the target consumption data according to the consumption type information corresponding to each consumption record to obtain the target consumption record of the target consumption type.
Optionally, in a third implementation manner of the first aspect of the present invention, the obtaining cash flow data of the target account and determining a cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type includes:
calculating the consumption average value of the target consumption record within a preset time period to obtain average consumption amount information;
calculating cash flow data of the target account according to the current account information of the target account;
and calculating a cash flow abundance ratio according to the cash flow data and the average consumption amount information, and determining the cash flow abundance level of the target account according to the cash flow abundance ratio.
Optionally, in a fourth implementation manner of the first aspect of the present invention, the acquiring asset configuration information of the target account and determining the wealth condition information of the target account according to the asset configuration information and the cash flow abundance level includes:
obtaining loan data, financing data and credit card holding data of the target account, and generating asset configuration information through the loan data, the financing data and the credit card holding data;
and carrying out wealth condition classification processing on the asset configuration information and the cash flow abundance level to obtain wealth condition information of the target account.
Optionally, in a fifth implementation manner of the first aspect of the present invention, the generating a wealth feature tag of the target account through preset user profile data includes:
reading preset user portrait data, and extracting a user basic attribute label and a consumption behavior label in the user portrait data;
identifying wealth characteristics of the user basic attribute labels and the consumption behavior labels to obtain wealth characteristic information;
and generating a wealth characteristic label of the target account through a preset label generation strategy based on the wealth characteristic information.
Optionally, in a sixth implementation manner of the first aspect of the present invention, the generating a targeted financial advertisement based on the wealth condition information and the wealth feature tag includes:
matching a target advertisement generation strategy from preset advertisement generation strategies based on the wealth condition information and the wealth feature labels;
and generating a target financing advertisement through the target advertisement generating strategy, wherein the target financing advertisement comprises financing product information, advertisement picture information and advertisement text information.
The second aspect of the present invention provides a financial advertisement generating device, including:
the classification module is used for acquiring transaction data of a target account and classifying consumption types of the transaction data to obtain a target consumption record of a target consumption type;
the grading module is used for acquiring cash flow data of the target account and determining the cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
the determining module is used for acquiring the asset configuration information of the target account and determining the wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
the generation module is used for generating a wealth feature label of the target account through preset user portrait data;
and the output module is used for generating a target financing advertisement based on the wealth condition information and the wealth feature label.
Optionally, in a first implementation manner of the second aspect of the present invention, the classification module includes:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring transaction data of a target account in a preset time period and extracting initial consumption data in the transaction data;
the screening unit is used for carrying out data screening on the initial consumption data based on consumption amount information and consumption object information in the initial consumption data to obtain target consumption data;
and the classification unit is used for classifying the consumption types of the target consumption data to obtain target consumption records of the target consumption types.
Optionally, in a second implementation manner of the second aspect of the present invention, the classification unit is specifically configured to:
acquiring preset consumption type keywords, wherein the consumption type keywords comprise a keyword set corresponding to each consumption type;
extracting payee information and remark information of each consumption record in the target consumption data, and performing consumption type keyword matching on the payee information and the remark information according to the consumption type keyword to obtain consumption type information corresponding to each consumption record;
and screening the target consumption type of the target consumption data according to the consumption type information corresponding to each consumption record to obtain the target consumption record of the target consumption type.
Optionally, in a third implementation manner of the second aspect of the present invention, the grading module is specifically configured to:
calculating the consumption average value of the target consumption record within a preset time period to obtain average consumption amount information;
calculating cash flow data of the target account according to the current account information of the target account;
and calculating a cash flow abundance ratio according to the cash flow data and the average consumption amount information, and determining the cash flow abundance level of the target account according to the cash flow abundance ratio.
Optionally, in a fourth implementation manner of the second aspect of the present invention, the determining module is specifically configured to:
obtaining loan data, financing data and credit card holding data of the target account, and generating asset configuration information through the loan data, the financing data and the credit card holding data;
and carrying out wealth condition classification processing on the asset configuration information and the cash flow abundance level to obtain wealth condition information of the target account.
Optionally, in a fifth implementation manner of the second aspect of the present invention, the generating module is specifically configured to:
reading preset user portrait data, and extracting a user basic attribute label and a consumption behavior label in the user portrait data;
identifying wealth characteristics of the user basic attribute labels and the consumption behavior labels to obtain wealth characteristic information;
and generating a wealth characteristic label of the target account through a preset label generation strategy based on the wealth characteristic information.
Optionally, in a sixth implementation manner of the second aspect of the present invention, the output module is specifically configured to:
matching a target advertisement generation strategy from preset advertisement generation strategies based on the wealth condition information and the wealth feature labels;
and generating a target financing advertisement through the target advertisement generating strategy, wherein the target financing advertisement comprises financing product information, advertisement picture information and advertisement text information.
A third aspect of the present invention provides a financial advertisement generating apparatus, including: a memory and at least one processor, the memory having a computer program stored therein; the at least one processor invokes the computer program in the memory to cause the financial advertisement generation device to execute the financial advertisement generation method described above.
A fourth aspect of the present invention provides a computer-readable storage medium having stored therein a computer program which, when run on a computer, causes the computer to execute the above-described method of generating a financial advertisement.
In the technical scheme provided by the invention, transaction data of a target account are obtained, and consumption types of the transaction data are classified to obtain a target consumption record of the target consumption type; acquiring cash flow data of the target account, and determining the cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type; acquiring asset configuration information of the target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level; generating a wealth feature tag of the target account through preset user portrait data; and generating a target financing advertisement based on the wealth condition information and the wealth feature label. In the embodiment of the invention, because the mobile funds can reflect the real wealth condition of the target account, in order to accurately analyze the consumption level of the target account, the consumption type classification is carried out on the transaction data of the target account to obtain the target consumption record of the target consumption type, then the cash flow abundance degree grading is carried out on the target account by combining the cash flow data to obtain the cash flow abundance grade of the target account, besides the mobile funds can reflect the real wealth condition of the target account, the inherent assets can also reflect the real wealth condition of the target account, therefore, the server determines the wealth condition information of the target account by combining the asset configuration information of the target account and the cash flow abundance grade, and then generates the target financing advertisement by combining the wealth feature tag generated by the big data. The invention can improve the accuracy of generating the financial advertisement.
Drawings
FIG. 1 is a diagram of a financial advertisement generating method according to an embodiment of the present invention;
FIG. 2 is a diagram of another embodiment of a method for generating a financial advertisement according to an embodiment of the present invention;
FIG. 3 is a diagram of an embodiment of a financial advertisement generating apparatus according to an embodiment of the present invention;
FIG. 4 is a diagram of another embodiment of a financial advertisement generating device in an embodiment of the present invention;
fig. 5 is a schematic diagram of an embodiment of a financial advertisement generation device in the embodiment of the present invention.
Detailed Description
The embodiment of the invention provides a method, a device, equipment and a storage medium for generating a financial advertisement, which are used for improving the accuracy of generating the financial advertisement.
The terms "first," "second," "third," "fourth," and the like in the description and in the claims, as well as in the drawings, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that the embodiments described herein may be practiced otherwise than as specifically illustrated or described herein. Furthermore, the terms "comprises," "comprising," or "having," and any variations thereof, are intended to cover non-exclusive inclusions, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It is understood that the executing subject of the present invention may be a financial advertisement generating device, and may also be a terminal or a server, which is not limited herein. The embodiment of the present invention is described by taking a server as an execution subject.
For convenience of understanding, a detailed flow of the embodiment of the present invention is described below, and referring to fig. 1, an embodiment of the method for generating a financial advertisement in the embodiment of the present invention includes:
101. acquiring transaction data of a target account, and carrying out consumption type classification on the transaction data to obtain a target consumption record of a target consumption type;
it should be noted that, because the current asset data of the user can only reflect the current asset condition of the user and cannot reflect the actual wealth condition of the target account, in order to identify the actual wealth condition information of the target account, the server obtains transaction data of the target account, where the transaction data includes transaction data of different consumption types, such as transfer data, consumption data, credit card returning data, and the like, and the server obtains a target consumption record of the target consumption type by performing consumption type classification on the transaction data, where the target consumption record of the target consumption type is used to indicate the transaction data of the consumption expenditure type, and rejects the transaction data of non-consumption expenditure types, such as transfer to the server, credit card returning, and the like.
In one implementation mode, the server identifies the transaction type of the transaction data according to payee information in the transaction data to obtain the transaction type corresponding to each transaction record in the transaction data, and extracts the target consumption type according to the transaction type corresponding to each transaction record in the transaction data to obtain the target consumption record of the target consumption type in the transaction data.
102. The cash flow data of the target account is obtained, and the cash flow abundance level of the target account is determined according to the cash flow data and the target consumption record of the target consumption type;
it should be noted that the cash flow data of the target account refers to the currently available fund data of the target account, such as the current balance of the target account, the current cash balance, and the like, which are used to reflect the currently available fund amount of the target account. In order to quantify the cash flow abundance degree of the target account, the server calculates the average consumption data of the target account within a preset time period according to the target consumption record. For example, the average monthly consumption of the target account a in 2021 is 10000, the cash flow data is 8000, the difference between the cash flow data and the average consumption data is 8000-.
103. Acquiring asset configuration information of a target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
it should be noted that, in order to comprehensively identify the real wealth status of the target account, the server acquires asset allocation information of the target account, where the asset allocation information is used to indicate asset holding data other than cash flow data, such as periodic financing balance, inherent asset holding data, etc., the server determines the wealth status information of the target account according to the asset allocation information and the cash flow abundance level in the preset wealth status related information table, for example, if the cash flow abundance level of the target account is known as "cash flow abundance level" and the asset allocation information is known as "hold", the wealth status information of the target account searched from the wealth status related information table may be "abundance", and if the cash flow abundance level of the target account is known as "cash flow equilibrium level" and the asset allocation information is known as "not hold", the wealth status information of the target account searched from the wealth status related information table may be "equilibrium", the details are not limited herein.
104. Generating a wealth feature tag of a target account through preset user portrait data;
it can be understood that, in order to comprehensively analyze the wealth status of the target account, the server acquires preset user profile data, wherein the user profile data is used for indicating profile data of the target account, and the server extracts wealth status tags, such as income level tags and account level tags, which are used for reflecting the wealth status of the user from the user profile data. In one embodiment, the server generates the wealth feature tag for the target account based on the wealth status tag in the user representation data, for example, assuming that the account level tag in the wealth status tag is a "private drilling level account", the generated wealth feature tag may be "wealth", assuming that the income level tag in the wealth status tag is a "high income level", the generated wealth feature tag may be "high income", and the specific details are not limited herein.
105. And generating a target financing advertisement based on the financing condition information and the financing feature label.
It should be noted that, in order to improve the matching degree between the financial advertisement and the real financial status of the user, the server performs advertisement generation strategy matching on the financial status information and the financial characteristic label through a preset advertisement generation strategy to obtain a target advertisement generation strategy, wherein the target advertisement generation strategy comprises a plurality of advertisement parameters, the plurality of advertisement parameters include but are not limited to financial product information, advertisement picture information, advertisement text information and the like, and the server analyzes the plurality of advertisement parameters in the target advertisement generation strategy to obtain a target financial advertisement and issues the target financial advertisement to the target account terminal, so that the target account terminal displays the target financial advertisement.
Further, the server stores the targeted financial advertisement in a blockchain database, which is not limited herein.
In the embodiment of the invention, because the mobile funds can reflect the real wealth condition of the target account, in order to accurately analyze the consumption level of the target account, the consumption type classification is carried out on the transaction data of the target account to obtain the target consumption record of the target consumption type, then the cash flow abundance degree grading is carried out on the target account by combining the cash flow data to obtain the cash flow abundance grade of the target account, besides the mobile funds can reflect the real wealth condition of the target account, the inherent assets can also reflect the real wealth condition of the target account, therefore, the server determines the wealth condition information of the target account by combining the asset configuration information of the target account and the cash flow abundance grade, and then generates the target financing advertisement by combining the wealth feature tag generated by the big data. The invention can improve the accuracy of generating the financial advertisement.
Referring to fig. 2, another embodiment of the method for generating a financial advertisement according to an embodiment of the present invention includes:
201. acquiring transaction data of a target account in a preset time period, and extracting initial consumption data in the transaction data;
it should be noted that, in order to improve the advertisement generation efficiency and the timeliness of generating the advertisement, the server obtains the transaction data of the target account in a preset time period, such as the transaction data of the target account in one day and one month. And the server eliminates data which cannot reflect the real consumption of the user in the transaction data, such as transfer to the server and credit card return, and obtains initial consumption data in the transaction data.
202. Based on the consumption amount information and the consumption object information in the initial consumption data, performing data screening on the initial consumption data to obtain target consumption data;
it can be understood that, in order to more accurately perform consumption level analysis on the target account, in an embodiment, the server rejects consumption data in which the consumption amount information is greater than a preset consumption amount threshold value in the initial consumption data to obtain the first consumption data, so that accidental large consumption of the target account is prevented from becoming noise data and affecting the accuracy of consumption level analysis. The server performs data screening on the first consumption data according to consumption object information in the first consumption data to obtain target consumption data, wherein the consumption object information is used for indicating collection account information, for example, if one consumption object information in the first consumption data is 'a power supply station', the consumption data can be removed to obtain the removed target consumption data.
203. Carrying out consumption type classification on the target consumption data to obtain a target consumption record of a target consumption type;
specifically, step 203 includes: obtaining preset consumption type keywords, wherein the consumption type keywords comprise a keyword set corresponding to each consumption type; extracting payee information and remark information of each consumption record in the target consumption data, and performing consumption type keyword matching on the payee information and the remark information according to the consumption type keyword to obtain consumption type information corresponding to each consumption record; and screening the target consumption type of the target consumption data according to the consumption type information corresponding to each consumption record to obtain the target consumption record of the target consumption type. In order to accurately classify the consumption types of target consumption data so as to improve the accuracy of obtaining real consumption data, a server obtains preset consumption type keywords, extracts payee information and remark information of each consumption record in the target consumption data, obtains the consumption type corresponding to each consumption record by comparing the payee information and remark information of each consumption record in the target consumption data with a keyword set corresponding to each consumption type in the consumption type keywords, and then screens each consumption record in the target consumption data according to the preset target consumption type information to obtain the target consumption record of the target consumption type.
204. The cash flow data of the target account is obtained, and the cash flow abundance level of the target account is determined according to the cash flow data and the target consumption record of the target consumption type;
specifically, step 204 includes: calculating the consumption average value of the target consumption record within a preset time period to obtain average consumption amount information; calculating cash flow data of the target account according to the current account information of the target account; and calculating the ratio of the cash flow abundance degree through the cash flow data and the average consumption amount information, and determining the cash flow abundance grade of the target account through the ratio of the cash flow abundance degree. In order to accurately identify the cash flow abundance degree of the target account, the server calculates the average value of the target consumption records after obtaining the target consumption records, and obtains the average consumption amount information of the target account within a preset time period, such as the average monthly consumption amount within one year is 5000. The server acquires cash flow data of the target account, namely current available fund data of the target account, such as account balance, current financing balance and the like, obtains a cash flow abundance degree ratio by calculating a ratio of cash flow data to average consumption amount, and grades the cash flow abundance degree of the target account according to the cash flow abundance degree ratio to obtain the cash flow abundance degree of the target account.
205. Acquiring asset configuration information of a target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
specifically, step 205 includes: obtaining loan data, financial management data and credit card holding data of a target account, and generating asset configuration information through the loan data, the financial management data and the credit card holding data; and carrying out wealth condition classification processing on the asset configuration information and the cash flow abundance level to obtain wealth condition information of the target account. In order to comprehensively evaluate the wealth condition of the target account, the server generates the asset configuration information of the target account through the loan data, the financing data and the credit card holding data of the target account.
206. Generating a wealth feature tag of a target account through preset user portrait data;
specifically, step 206 includes: reading preset user portrait data, and extracting a user basic attribute label and a consumption behavior label in the user portrait data; identifying the wealth characteristics of the basic attribute tags and the consumption behavior tags of the users to obtain wealth characteristic information; and generating a wealth characteristic label of the target account through a preset label generation strategy based on the wealth characteristic information. In one implementation mode, the server extracts a user basic attribute label and a consumption behavior label in user image data, performs wealth feature identification on the user basic attribute label and the consumption behavior label through a preset wealth feature identification model to obtain wealth feature information, and generates a wealth feature label of a target account according to a mapping relation between the wealth feature information and the wealth feature label. The method and the device can extract the wealth characteristics of the target account, so that the matching degree of advertisement generation and the real wealth condition is improved.
207. And generating a target financing advertisement based on the financing condition information and the financing feature label.
Specifically, step 207 includes: matching a target advertisement generation strategy from preset advertisement generation strategies based on the wealth condition information and the wealth feature labels; and generating a target financing advertisement through a target advertisement generating strategy, wherein the target financing advertisement comprises financing product information, advertisement picture information and advertisement text information. In order to realize the purpose of pushing different financing advertisements to accounts with different financing conditions, the server matches the information of the financing conditions and a target advertisement generation strategy corresponding to a financing feature tag in a preset advertisement generation strategy which is configured in advance, the target advertisement generation strategy is used for indicating advertisement putting parameters such as financing product information, advertisement picture information and advertisement text information to be put in the target financing advertisement, and the server generates the target financing advertisement according to the target advertisement generation strategy so that the target account terminal receives and displays the target financing advertisement.
In the embodiment of the invention, because the mobile funds can reflect the real wealth condition of the target account, in order to accurately analyze the consumption level of the target account, the consumption type is classified according to the consumption amount information and the consumption object information in the transaction data of the target account to obtain the target consumption record of the target consumption type, then the cash flow abundance degree grading is carried out on the target account by combining with the cash flow data to obtain the cash flow abundance grade of the target account, besides the fact that the mobile funds can reflect the real wealth condition of the target account, the inherent assets can also reflect the real wealth condition of the target account, therefore, the server determines the wealth condition information of the target account by combining with the asset configuration information of the target account and the cash flow abundance grade, and generates the wealth feature tag by combining with the big data to generate the target financing advertisement. The invention can improve the accuracy of generating the financial advertisement.
In the above description of the method for generating a financial advertisement in the embodiment of the present invention, a device for generating a financial advertisement in the embodiment of the present invention is described below with reference to fig. 3, where an embodiment of the device for generating a financial advertisement in the embodiment of the present invention includes:
the classification module 301 is configured to obtain transaction data of a target account, and perform consumption type classification on the transaction data to obtain a target consumption record of a target consumption type;
the grading module 302 is configured to obtain cash flow data of the target account, and determine a cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
the determining module 303 is configured to obtain asset configuration information of the target account, and determine wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
a generating module 304, configured to generate a wealth feature tag of the target account according to preset user portrait data;
and the output module 305 is used for generating a target financing advertisement based on the wealth condition information and the wealth feature label.
Further, the targeted financial advertisement is stored in the block chain database, which is not limited herein.
In the embodiment of the invention, because the mobile funds can reflect the real wealth condition of the target account, in order to accurately analyze the consumption level of the target account, the consumption type classification is carried out on the transaction data of the target account to obtain the target consumption record of the target consumption type, then the cash flow abundance degree grading is carried out on the target account by combining the cash flow data to obtain the cash flow abundance grade of the target account, besides the mobile funds can reflect the real wealth condition of the target account, the inherent assets can also reflect the real wealth condition of the target account, therefore, the server determines the wealth condition information of the target account by combining the asset configuration information of the target account and the cash flow abundance grade, and then generates the target financing advertisement by combining the wealth feature tag generated by the big data. The invention can improve the accuracy of generating the financial advertisement.
Referring to fig. 4, another embodiment of the financial advertisement generating device according to the embodiment of the present invention includes:
the classification module 301 is configured to obtain transaction data of a target account, and perform consumption type classification on the transaction data to obtain a target consumption record of a target consumption type;
the grading module 302 is configured to obtain cash flow data of the target account, and determine a cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
the determining module 303 is configured to obtain asset configuration information of the target account, and determine wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
a generating module 304, configured to generate a wealth feature tag of the target account according to preset user portrait data;
and the output module 305 is used for generating a target financing advertisement based on the wealth condition information and the wealth feature label.
Optionally, the classification module 301 includes:
the acquisition unit 3011 is configured to acquire transaction data of a target account in a preset time period and extract initial consumption data in the transaction data;
a screening unit 3012, configured to perform data screening on the initial consumption data based on the consumption amount information and the consumption object information in the initial consumption data to obtain target consumption data;
and the classifying unit 3013 is configured to classify consumption types of the target consumption data to obtain a target consumption record of a target consumption type.
Optionally, the classification unit 3013 is specifically configured to:
acquiring preset consumption type keywords, wherein the consumption type keywords comprise a keyword set corresponding to each consumption type;
extracting payee information and remark information of each consumption record in the target consumption data, and performing consumption type keyword matching on the payee information and the remark information according to the consumption type keywords to obtain consumption type information corresponding to each consumption record;
and screening the target consumption type of the target consumption data according to the consumption type information corresponding to each consumption record to obtain the target consumption record of the target consumption type.
Optionally, the grading module 302 is specifically configured to:
calculating the consumption average value of the target consumption record within a preset time period to obtain average consumption amount information;
calculating cash flow data of the target account according to the current account information of the target account;
and calculating a cash flow abundance ratio according to the cash flow data and the average consumption amount information, and determining the cash flow abundance level of the target account according to the cash flow abundance ratio.
Optionally, the determining module 303 is specifically configured to:
obtaining loan data, financing data and credit card holding data of the target account, and generating asset configuration information through the loan data, the financing data and the credit card holding data;
and carrying out wealth condition classification processing on the asset configuration information and the cash flow abundance level to obtain wealth condition information of the target account.
Optionally, the generating module 304 is specifically configured to:
reading preset user portrait data, and extracting a user basic attribute label and a consumption behavior label in the user portrait data;
identifying wealth characteristics of the user basic attribute labels and the consumption behavior labels to obtain wealth characteristic information;
and generating a wealth characteristic label of the target account through a preset label generation strategy based on the wealth characteristic information.
Optionally, the output module 305 is specifically configured to:
matching a target advertisement generation strategy from preset advertisement generation strategies based on the wealth condition information and the wealth feature labels;
and generating a target financing advertisement through the target advertisement generating strategy, wherein the target financing advertisement comprises financing product information, advertisement picture information and advertisement text information.
In the embodiment of the invention, because the mobile funds can reflect the real wealth condition of the target account, in order to accurately analyze the consumption level of the target account, the consumption type is classified according to the consumption amount information and the consumption object information in the transaction data of the target account to obtain the target consumption record of the target consumption type, then the cash flow abundance degree grading is carried out on the target account by combining with the cash flow data to obtain the cash flow abundance grade of the target account, besides the fact that the mobile funds can reflect the real wealth condition of the target account, the inherent assets can also reflect the real wealth condition of the target account, therefore, the server determines the wealth condition information of the target account by combining with the asset configuration information of the target account and the cash flow abundance grade, and generates the wealth feature tag by combining with the big data to generate the target financing advertisement. The invention can improve the accuracy of generating the financial advertisement.
Fig. 3 and 4 describe the device for generating a financial advertisement in the embodiment of the present invention in detail from the perspective of a modular functional entity, and the device for generating a financial advertisement in the embodiment of the present invention is described in detail from the perspective of hardware processing.
Fig. 5 is a schematic structural diagram of a financial advertisement generating device according to an embodiment of the present invention, where the financial advertisement generating device 500 may generate relatively large differences due to different configurations or performances, and may include one or more processors (CPUs) 510 (e.g., one or more processors) and a memory 520, and one or more storage media 530 (e.g., one or more mass storage devices) storing applications 533 or data 532. Memory 520 and storage media 530 may be, among other things, transient or persistent storage. The program stored on the storage medium 530 may include one or more modules (not shown), each of which may include a series of computer program operations in the financial advertisement generating device 500. Still further, processor 510 may be configured to communicate with storage medium 530 to execute a series of computer program operations in storage medium 530 on financial advertisement generating device 500.
The financial advertisement generating device 500 may also include one or more power supplies 540, one or more wired or wireless network interfaces 550, one or more input-output interfaces 560, and/or one or more operating systems 531, such as Windows Server, Mac OS X, Unix, Linux, FreeBSD, etc. Those skilled in the art will appreciate that the financial advertisement generating device configuration shown in fig. 5 does not constitute a limitation on the financial advertisement generating device, and may include more or fewer components than shown, or some components may be combined, or a different arrangement of components.
The present invention also provides a computer device, which includes a memory and a processor, wherein the memory stores a computer-readable computer program, and when the computer-readable computer program is executed by the processor, the processor is caused to execute the steps of the method for generating a financial advertisement in the above embodiments.
The present invention also provides a computer readable storage medium, which may be a non-volatile computer readable storage medium, and which may also be a volatile computer readable storage medium, having stored therein a computer program, which when run on a computer, causes the computer to perform the steps of the method for generating a financial advertisement.
Further, the computer-readable storage medium may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function, and the like; the storage data area may store data created according to the use of the blockchain node, and the like.
The block chain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product service layer, an application service layer, and the like.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may substantially or partially contribute to the prior art, or all or part of the technical solution may be embodied in the form of a software product, which is stored in a storage medium and includes several computer programs to enable a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a read-only memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A method for generating a financial advertisement is characterized by comprising the following steps:
acquiring transaction data of a target account, and carrying out consumption type classification on the transaction data to obtain a target consumption record of a target consumption type;
obtaining cash flow data of the target account, and determining the cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
acquiring asset configuration information of the target account, and determining wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
generating a wealth feature tag of the target account through preset user portrait data;
and generating a target financing advertisement based on the wealth condition information and the wealth feature label.
2. The method for generating a financial advertisement according to claim 1, wherein the obtaining transaction data of a target account and classifying the consumption type of the transaction data to obtain a target consumption record of a target consumption type comprises:
acquiring transaction data of a target account in a preset time period, and extracting initial consumption data in the transaction data;
based on the consumption amount information and the consumption object information in the initial consumption data, performing data screening on the initial consumption data to obtain target consumption data;
and carrying out consumption type classification on the target consumption data to obtain a target consumption record of a target consumption type.
3. The method for generating a financial advertisement according to claim 2, wherein said classifying the target consumption data into consumption types to obtain a target consumption record of the target consumption types comprises:
acquiring preset consumption type keywords, wherein the consumption type keywords comprise a keyword set corresponding to each consumption type;
extracting payee information and remark information of each consumption record in the target consumption data, and performing consumption type keyword matching on the payee information and the remark information according to the consumption type keyword to obtain consumption type information corresponding to each consumption record;
and screening the target consumption type of the target consumption data according to the consumption type information corresponding to each consumption record to obtain the target consumption record of the target consumption type.
4. The method for generating a financial advertisement according to claim 1, wherein the obtaining cash flow data of the target account and determining a cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type comprises:
calculating the consumption average value of the target consumption record within a preset time period to obtain average consumption amount information;
calculating cash flow data of the target account according to the current account information of the target account;
and calculating a cash flow abundance ratio according to the cash flow data and the average consumption amount information, and determining the cash flow abundance level of the target account according to the cash flow abundance ratio.
5. The method for generating a financial advertisement according to claim 1, wherein the obtaining asset allocation information of the target account and determining wealth condition information of the target account according to the asset allocation information and the cash flow abundance level comprises:
obtaining loan data, financing data and credit card holding data of the target account, and generating asset configuration information through the loan data, the financing data and the credit card holding data;
and carrying out wealth condition classification processing on the asset configuration information and the cash flow abundance level to obtain wealth condition information of the target account.
6. The method for generating a financial advertisement according to claim 1, wherein said generating a financial characteristic label of said target account from preset user profile data comprises:
reading preset user portrait data, and extracting a user basic attribute label and a consumption behavior label in the user portrait data;
identifying wealth characteristics of the user basic attribute labels and the consumption behavior labels to obtain wealth characteristic information;
and generating a wealth characteristic label of the target account through a preset label generation strategy based on the wealth characteristic information.
7. The method of generating a financial advertisement according to claim 1, wherein generating a targeted financial advertisement based on the wealth status information and the wealth feature tag comprises:
matching a target advertisement generation strategy from preset advertisement generation strategies based on the wealth condition information and the wealth feature labels;
and generating a target financing advertisement through the target advertisement generating strategy, wherein the target financing advertisement comprises financing product information, advertisement picture information and advertisement text information.
8. A financial advertisement generating apparatus, comprising:
the classification module is used for acquiring transaction data of a target account and classifying consumption types of the transaction data to obtain a target consumption record of a target consumption type;
the grading module is used for acquiring cash flow data of the target account and determining the cash flow abundance level of the target account according to the cash flow data and the target consumption record of the target consumption type;
the determining module is used for acquiring the asset configuration information of the target account and determining the wealth condition information of the target account according to the asset configuration information and the cash flow abundance level;
the generation module is used for generating a wealth feature label of the target account through preset user portrait data;
and the output module is used for generating a target financing advertisement based on the wealth condition information and the wealth feature label.
9. A financial advertisement generation apparatus, comprising: a memory and at least one processor, the memory having stored therein a computer program;
the at least one processor invoking the computer program in the memory to cause the financial advertisement generation device to perform the method of generating a financial advertisement as recited in any one of claims 1-7.
10. A computer-readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements a method of generating a financial advertisement as claimed in any one of claims 1 to 7.
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| CN202210582518.5A CN115018529A (en) | 2022-05-26 | 2022-05-26 | Financial advertisement generation method, device, equipment and storage medium |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116485472A (en) * | 2023-04-24 | 2023-07-25 | 道格元创(福建)文化创意有限公司 | Accurate advertisement and information delivery system based on Internet and artificial intelligence |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116485472A (en) * | 2023-04-24 | 2023-07-25 | 道格元创(福建)文化创意有限公司 | Accurate advertisement and information delivery system based on Internet and artificial intelligence |
| CN116485472B (en) * | 2023-04-24 | 2024-02-27 | 成都世纪飞扬科技集团有限公司 | Accurate advertisement and information delivery system based on Internet and artificial intelligence |
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