CN116797341A - Method, device, equipment and medium for generating and managing points based on operation platform - Google Patents

Method, device, equipment and medium for generating and managing points based on operation platform Download PDF

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Publication number
CN116797341A
CN116797341A CN202311036106.2A CN202311036106A CN116797341A CN 116797341 A CN116797341 A CN 116797341A CN 202311036106 A CN202311036106 A CN 202311036106A CN 116797341 A CN116797341 A CN 116797341A
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rights
data
target
user terminal
user
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CN116797341B (en
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张延峰
车珊珊
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Beijing Xinda Financial Education Technology Co ltd
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Beijing Xinda Financial Education Technology Co ltd
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Abstract

The application discloses an operation platform-based point generation and management method, device, equipment and medium, relating to the technical field of data management, wherein the operation platform-based point generation and management method comprises the following steps: when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data; when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data; and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait. By adopting the application, the technical effect of accurately establishing the customer portrait and determining the service scheme based on the customer portrait can be achieved.

Description

Method, device, equipment and medium for generating and managing points based on operation platform
Technical Field
The present application relates to the field of data management technologies, and in particular, to an operation platform-based point generation and management method, apparatus, terminal device, and computer readable storage medium.
Background
The condition that a clear customer portrait cannot be established for a customer of service exists in the operation process of a bank with a smaller scale at present, so that the bank cannot provide high-quality service for the customer. Once the bank cannot provide high-quality service for the clients, the situation that the clients gradually run off is necessarily caused, and the operation work of the bank becomes more and more difficult along with the gradual running off of the clients, so that the development speed of the bank is influenced.
Therefore, how to make the bank accurately build customer portrait for the customer, so that the bank can provide high-quality service for the customer in the operation process is also a technical problem to be solved in the industry.
Disclosure of Invention
The application mainly aims to provide an operation platform-based point generation and management method, an operation platform-based point generation and management device, terminal equipment and a computer-readable storage medium, aiming at accurately establishing a customer portrait and further determining a proper service scheme based on the customer portrait so as to provide high-quality service for customers.
In order to achieve the above object, the present application provides an operation platform-based point generation and management method, which includes:
when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait.
Further, the step of generating cloud point data corresponding to the user terminal based on the service handling operation data includes:
determining a service data type corresponding to the service handling operation data, and determining a target point rule corresponding to the service data type;
and generating cloud point data corresponding to the user terminal based on the target point rule and the business handling operation data.
Further, the step of generating the rights exchange data corresponding to the user terminal based on the rights exchange operation data includes:
determining the rights exchange category and the rights exchange quantity contained in the rights exchange operation data;
and generating the rights exchange data corresponding to the user terminal based on the rights exchange category and the rights exchange quantity.
Further, the step of generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights exchange data includes:
acquiring a preset user portrait database, wherein the user portrait database comprises a plurality of standard portrait elements, a plurality of standard integral data corresponding to the standard portrait elements and a plurality of standard rights and interests data corresponding to the standard portrait elements;
screening the user portrait database according to the service data type corresponding to the cloud point data so as to determine target point data corresponding to the service data type in a plurality of standard point data;
screening the user portrait database according to the rights exchange category and the rights exchange quantity contained in the rights exchange data to determine target rights data corresponding to the rights exchange category and the rights exchange quantity from a plurality of standard rights data;
And determining a plurality of target portrait elements from a plurality of standard portrait elements based on the target point data and the target interest data, and generating a target user portrait corresponding to the user terminal according to the plurality of target portrait elements.
Further, the step of determining a target service plan based on the target user representation includes:
acquiring a preset service scheme table, wherein the service scheme table comprises a plurality of standard service schemes and a plurality of standard user portraits respectively corresponding to the standard service schemes;
and determining a standard user portrait consistent with the target user portrait from a plurality of standard user portraits, and determining a standard service scheme corresponding to the standard user portrait consistent with the target user portrait as a target service scheme.
Further, after the step of determining a target service plan based on the target user representation, the method further comprises:
acquiring a preset rights and interests exchange database, wherein the rights and interests exchange database comprises a plurality of exchangeable rights and interests;
determining the interest demands corresponding to the user terminals based on the target user portraits, and judging whether a plurality of redeemable interests contain target redeemable interests corresponding to the interest demands;
And if the target redeemable rights are judged not to be contained in the plurality of redeemable rights, acquiring the target redeemable rights through a preset third-party server, and adding the target redeemable rights into the rights redemption database.
Further, after the step of determining a target service plan based on the target user representation, the method further comprises:
detecting the cloud point data corresponding to the user terminal, and determining data generation time and data elimination time corresponding to the cloud point data;
determining a time difference between the data generation time and the data elimination time, and judging whether the time difference is equal to a preset time threshold;
if the time difference value is judged to be equal to the time threshold value, generating elimination prompt information, and sending the elimination prompt information to the user terminal;
and when the user terminal is detected to not respond to the elimination prompt information, determining the target redeemable rights based on the rights requirements in a plurality of redeemable rights, and executing rights redemption operation.
In addition, to achieve the above object, the present application further provides an integration generating and managing device based on an operation platform, the device including:
The first generation module is used for acquiring service handling operation data of the user terminal when the user terminal is detected to execute service handling operation, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
the second generation module is used for acquiring the rights and interests exchange operation data of the user terminal when the rights and interests exchange operation of the user terminal is detected, and generating the rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
and the scheme determining module is used for generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights exchange data and determining a target service scheme based on the target user portrait.
In addition, to achieve the above object, the present application also provides a terminal device including: the system comprises a memory and a processor, wherein the memory stores an operation platform-based point generation and management program which can be run on the processor, and the operation platform-based point generation and management program realizes the steps of the operation platform-based point generation and management method when being executed by the processor.
In addition, to achieve the above object, the present application also provides a computer-readable storage medium having stored thereon an operation platform-based point generation and management program which, when executed by a processor, implements the steps of the operation platform-based point generation and management method as described above.
According to the point generation and management method, the point generation and management device, the terminal equipment and the computer readable storage medium based on the operation platform, when the user terminal is detected to execute service handling operation, service handling operation data of the user terminal are obtained, and cloud point data corresponding to the user terminal are generated based on the service handling operation data; when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data; and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait.
In this embodiment, when the terminal device is running, the terminal device first detects the user terminal, so as to obtain service handling operation data corresponding to the user terminal when detecting that the user terminal performs service handling operation, and generate cloud point data corresponding to the user terminal based on the service handling operation data, then, the terminal device detects the user terminal, and when detecting that the user performs rights exchange operation, obtains rights exchange operation data corresponding to the user terminal, and generates rights exchange data corresponding to the user terminal based on the rights exchange operation data, and finally, the terminal device generates a target user portrait corresponding to the user terminal based on the cloud point data and the rights exchange data, and determines a corresponding target service scheme based on the target user portrait.
In this way, the cloud point data and the equity exchange data are automatically generated by the terminal equipment based on the acquired business handling operation data and equity exchange operation data generated by the user terminal, the user portrait corresponding to the user is determined based on the cloud point data and equity exchange data, and then the target service scheme is determined based on the user portrait, so that the technical problem that high-quality service cannot be provided for the client due to the fact that clear client portrait cannot be established for the client of service in the operation process of the current bank is solved, accurate establishment of the client portrait is achieved, and further the technical effect of determining the proper service scheme based on the client portrait is achieved, so that high-quality service can be provided for the client, and development of middle and small banks is promoted.
Drawings
Fig. 1 is a schematic structural diagram of a terminal device of a hardware running environment according to an embodiment of the present application;
FIG. 2 is a flowchart of a first embodiment of an integration generation and management method based on an operation platform according to the present application;
FIG. 3 is a flowchart of a second embodiment of the integration generation and management method based on an operation platform according to the present application;
FIG. 4 is a flowchart of a third embodiment of the integration generation and management method based on an operation platform according to the present application;
fig. 5 is a schematic diagram of functional modules related to an embodiment of an operation platform-based point generation and management device according to the present application.
The achievement of the objects, functional features and advantages of the present application will be further described with reference to the accompanying drawings, in conjunction with the embodiments.
Detailed Description
It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.
Referring to fig. 1, fig. 1 is a schematic diagram of a terminal device structure of a hardware running environment according to an embodiment of the present application.
It should be noted that, the terminal device in the embodiment of the present application may be a device for executing the point generation and management method based on the operation platform, where the terminal device may specifically be a terminal device such as a mobile terminal, a data storage control terminal, and a PC, where a Saas (Software as a Service-software service) operation platform is integrated therein, and the Saas operation platform can be invoked to detect a user terminal to generate cloud point data and rights exchange data corresponding to the user terminal, so as to determine a user portrait based on the cloud point data and the rights exchange data, and determine a user service scheme based on the user portrait.
As shown in fig. 1, the terminal device may include: a processor 1001, such as a central processing unit (Central Processing Unit, CPU), a communication bus 1002, a user interface 1003, a network interface 1004, a memory 1005. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display, an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1005 may be a high-speed random access Memory (Random Access Memory, RAM) Memory or a stable nonvolatile Memory (NVM), such as a disk Memory. The memory 1005 may also optionally be a storage device separate from the processor 1001 described above.
It will be appreciated by those skilled in the art that the structure shown in fig. 1 does not constitute a limitation of the terminal device, and may include more or less components than illustrated, or may combine certain components, or may be arranged in different components.
As shown in fig. 1, an operating system, a data storage module, a network communication module, a user interface module, and an integration generation and management program based on an operation platform may be included in the memory 1005 as one storage medium.
In the terminal device shown in fig. 1, the network interface 1004 is mainly used for data communication with other devices; the user interface 1003 is mainly used for data interaction with a user; the processor 1001, the memory 1005 in the terminal device of the present application may be provided in the terminal device, which invokes the integration generation and management program based on the operation platform stored in the memory 1005 through the processor 1001, and performs the following operations:
when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
determining a service data type corresponding to the service handling operation data, and determining a target point rule corresponding to the service data type;
and generating cloud point data corresponding to the user terminal based on the target point rule and the business handling operation data.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
determining the rights exchange category and the rights exchange quantity contained in the rights exchange operation data;
and generating the rights exchange data corresponding to the user terminal based on the rights exchange category and the rights exchange quantity.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
acquiring a preset user portrait database, wherein the user portrait database comprises a plurality of standard portrait elements, a plurality of standard integral data corresponding to the standard portrait elements and a plurality of standard rights and interests data corresponding to the standard portrait elements;
Screening the user portrait database according to the service data type corresponding to the cloud point data so as to determine target point data corresponding to the service data type in a plurality of standard point data;
screening the user portrait database according to the rights exchange category and the rights exchange quantity contained in the rights exchange data to determine target rights data corresponding to the rights exchange category and the rights exchange quantity from a plurality of standard rights data;
and determining a plurality of target portrait elements from a plurality of standard portrait elements based on the target point data and the target interest data, and generating a target user portrait corresponding to the user terminal according to the plurality of target portrait elements.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
acquiring a preset service scheme table, wherein the service scheme table comprises a plurality of standard service schemes and a plurality of standard user portraits respectively corresponding to the standard service schemes;
and determining a standard user portrait consistent with the target user portrait from a plurality of standard user portraits, and determining a standard service scheme corresponding to the standard user portrait consistent with the target user portrait as a target service scheme.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
acquiring a preset rights and interests exchange database, wherein the rights and interests exchange database comprises a plurality of exchangeable rights and interests;
determining the interest demands corresponding to the user terminals based on the target user portraits, and judging whether a plurality of redeemable interests contain target redeemable interests corresponding to the interest demands;
and if the target redeemable rights are judged not to be contained in the plurality of redeemable rights, acquiring the target redeemable rights through a preset third-party server, and adding the target redeemable rights into the rights redemption database.
Further, the processor 1001 invokes the operation platform-based point generation and management program stored in the memory 1005, and also performs the following operations:
detecting the cloud point data corresponding to the user terminal, and determining data generation time and data elimination time corresponding to the cloud point data;
determining a time difference between the data generation time and the data elimination time, and judging whether the time difference is equal to a preset time threshold;
If the time difference value is judged to be equal to the time threshold value, generating elimination prompt information, and sending the elimination prompt information to the user terminal;
and when the user terminal is detected to not respond to the elimination prompt information, determining the target redeemable rights based on the rights requirements in a plurality of redeemable rights, and executing rights redemption operation.
Based on the terminal equipment, the integral conception of the integral generation and management method based on the operation platform is provided.
The condition that a clear customer portrait cannot be established for a customer of service exists in the operation process of a bank with a smaller scale at present, so that the bank cannot provide high-quality service for the customer. Once the bank cannot provide high-quality service for the clients, the situation that the clients gradually run off is necessarily caused, and the operation work of the bank becomes more and more difficult along with the gradual running off of the clients, so that the development speed of the bank is influenced.
In view of the above phenomena, the present application proposes an operation platform-based point generation and management method, which includes: when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data; when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data; and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait.
In this way, the cloud point data and the equity exchange data are automatically generated by the terminal equipment based on the acquired business handling operation data and equity exchange operation data generated by the user terminal, the user portrait corresponding to the user is determined based on the cloud point data and equity exchange data, and then the target service scheme is determined based on the user portrait, so that the technical problem that high-quality service cannot be provided for the client due to the fact that clear client portrait cannot be established for the client of service in the operation process of the current bank is solved, accurate establishment of the client portrait is achieved, and further the technical effect of determining the proper service scheme based on the client portrait is achieved, so that high-quality service can be provided for the client, and development of middle and small banks is promoted.
Based on the above-mentioned terminal device and the integral conception and terminal device of the integral generation and management method based on the operation platform, various embodiments of the integral generation and management method based on the operation platform are further provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first embodiment of an integration generation and management method based on an operation platform according to the present application.
It should be understood that while a logical sequence is illustrated in the flow chart, in some cases the integration generation and management method of the present application based on an operating platform may of course perform the steps illustrated or described in a different order than that illustrated herein.
As shown in fig. 2, in this embodiment, the method for generating and managing points based on an operation platform according to the present application may include the following steps:
step S10: when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
in this embodiment, when the terminal device is running, the operation platform configured internally is first invoked to detect the user terminal, so that when the user terminal is detected to perform service handling operation, service handling operation data generated when the user performs the service handling operation is obtained, the terminal device controls the operation platform to generate cloud point data corresponding to the user terminal based on the service handling operation data through the first generation module configured internally, and the cloud point data is stored on a cloud server connected with the terminal device.
For example, when the terminal device runs, firstly, an internally configured Saas operation platform is called to detect the user terminal, so that when the user is detected to execute business handling operations such as credit card consumption or handling a large inventory through the user terminal, the terminal device controls the Saas operation platform to acquire business handling operation data generated when the user terminal executes the business handling operations, and controls the Saas operation platform to call a first internally configured generation module to generate cloud point data corresponding to the user terminal based on the business handling operation data, and then the cloud point data is stored in a cloud server connected with the terminal device.
Further, in a possible embodiment, the step of generating cloud point data corresponding to the user terminal based on the service handling operation data in the step S10 may specifically include:
step S101: determining a service data type corresponding to the service handling operation data, and determining a target point rule corresponding to the service data type;
in this embodiment, when acquiring service handling operation data, the terminal device invokes the operation platform to determine a service data type corresponding to the service handling operation data, and at the same time, the terminal device invokes the operation platform to acquire a plurality of preset integral rules and determines a target integral rule corresponding to the service data type in the plurality of integral rules.
Step S102: generating cloud point data corresponding to the user terminal based on the target point rule and the business handling operation data;
in this embodiment, the terminal device controls the operation platform to perform cloud point generation operation according to the obtained target point rule and the service handling operation data, so as to generate cloud point data corresponding to the user terminal.
For example, after acquiring service handling operation data, the terminal device first controls the Saas operation platform to determine a service data type corresponding to the service handling operation data, and when the terminal device determines that the service data type corresponding to the service handling operation data is the above-mentioned deposit bill service handling type corresponding to handling a large amount of deposit bill service, the terminal device invokes the Saas operation platform to acquire a plurality of point rules preset by a technician and determines a target point rule corresponding to the deposit bill service handling type in the plurality of point rules, and then, the terminal device performs cloud point generation operation through the Saas operation platform based on the target point rule and deposit bill amount data corresponding to the deposit bill service handling type included in the service handling operation data, thereby generating cloud point data corresponding to the user terminal, and stores the cloud point data in a cloud server connected to the terminal device.
Step S20: when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
in this embodiment, the terminal device invokes the above-mentioned operation platform to detect the user terminal, so as to obtain, when detecting that the user terminal performs the benefit exchange operation, the benefit exchange operation data generated when the user terminal performs the benefit exchange operation, where the terminal device controls the operation platform to generate, through the second generation module configured internally, the benefit exchange data corresponding to the user terminal based on the benefit exchange operation data, and store the benefit exchange data in the cloud server.
For example, the terminal device invokes the Saas operation platform to detect the user terminal, when detecting that the user performs the benefit exchange operation through the user terminal, the terminal device controls the Saas operation platform to obtain the benefit exchange operation data generated when the user performs the benefit exchange operation, and controls the Saas operation platform to generate the benefit exchange data corresponding to the user terminal based on the benefit exchange operation data through the second generation module configured inside, so that the benefit exchange data is stored in the cloud server.
Further, in a possible embodiment, the step of generating the rights exchange data corresponding to the user terminal based on the rights exchange operation data in the step S20 may specifically include:
step S201: determining the rights exchange category and the rights exchange quantity contained in the rights exchange operation data;
in this embodiment, after obtaining the rights exchange operation data, the terminal device first controls the operation platform to determine the rights exchange category and the rights exchange number contained in the rights exchange operation data.
Step S202: generating rights exchange data corresponding to the user terminal based on the rights exchange category and the rights exchange quantity;
in this embodiment, the terminal device control operation platform invokes an internally configured second generation module to generate rights exchange data corresponding to the user terminal based on the obtained rights exchange category and the rights exchange number, and stores the rights exchange data in the cloud server.
Specifically, after acquiring the benefit exchange operation data, the terminal device may determine specific content of the benefit exchange operation performed by the user based on the benefit exchange operation data, for example, the terminal device may determine that the user performs the benefit exchange operation through the user terminal based on the benefit exchange operation data, so as to exchange the mileage of the a carrier with the cloud point data, and the terminal device invokes the Saas operation platform to determine that the benefit exchange category included in the benefit exchange operation data is the air mileage exchange, and determine that the benefit exchange quantity included in the benefit exchange operation data is the mileage exchanged by the user, and then, the terminal device controls the Saas operation platform to generate, through a second generation module configured internally, the benefit exchange data corresponding to the user terminal device based on the air mileage exchange and the mileage, and store the benefit exchange data in the cloud server.
Step S30: generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights exchange data, and determining a target service scheme based on the target user portrait;
in this embodiment, the terminal device controls the operation platform to read the storage device configured internally to obtain the user portrait database stored in advance by the technician, and controls the operation platform to read the cloud server to obtain cloud point data and rights exchange data corresponding to the user terminal, and the terminal device further controls the operation platform to query the user portrait database based on the cloud point data and the rights exchange data to obtain a target user portrait corresponding to the user terminal, and determines a target service scheme corresponding to the user terminal based on the target user portrait.
For example, the terminal device first controls the Saas operation platform to read a storage device configured in the terminal device to obtain a user portrait database stored in advance by a technician, meanwhile, the terminal device controls the Saas operation platform to query the cloud server to obtain cloud point data and rights exchange data corresponding to the user terminal, and then the terminal device controls the Saas operation platform to screen the user portrait database through an internally configured service determining module based on the cloud point data and the rights exchange data to determine a target user portrait corresponding to the user terminal, and generates a target service scheme corresponding to the user terminal based on the target user portrait.
Further, in a possible embodiment, the step of generating the target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data in the step S30 may specifically include:
step S301: acquiring a preset user portrait database, wherein the user portrait database comprises a plurality of standard portrait elements, a plurality of standard integral data corresponding to the standard portrait elements and a plurality of standard rights and interests data corresponding to the standard portrait elements;
in this embodiment, the terminal device controls the operation platform to read a storage device provided in the terminal device, and thereby acquire a user figure database which is stored in advance by a technician and includes a plurality of standard figure elements, a plurality of standard point data corresponding to the plurality of standard figure elements, and a plurality of standard equity data corresponding to the plurality of standard figure elements.
Step S302: screening the user portrait database according to the service data type corresponding to the cloud point data so as to determine target point data corresponding to the service data type in a plurality of standard point data;
In this embodiment, the terminal device controls the operation platform to read the cloud point data corresponding to the user terminal from the cloud server, determine a service data type corresponding to the cloud point data, and then control the operation platform to screen the obtained user portrait database based on the service data type, so as to determine target point data corresponding to the service data type from a plurality of standard point data contained in the user portrait database.
Step S303: screening the user portrait database according to the rights exchange category and the rights exchange quantity contained in the rights exchange data to determine target rights data corresponding to the rights exchange category and the rights exchange quantity from a plurality of standard rights data;
in this embodiment, the terminal device controls the operation platform to read the rights exchange data corresponding to the user terminal from the cloud server, determine the rights exchange category and the rights exchange quantity contained in the rights exchange data, and then control the operation platform to screen the user portrait database based on the rights exchange category and the rights exchange quantity, so as to determine target rights data corresponding to the rights exchange category and the rights exchange quantity from a plurality of standard rights data contained in the user portrait database.
Step S304: determining a plurality of target portrait elements from a plurality of standard portrait elements based on the target point data and the target interest data, and generating a target user portrait corresponding to the user terminal according to the plurality of target portrait elements;
in this embodiment, the terminal device control operation platform screens the user portrait database based on the determined target point data and target interest data to determine a plurality of target portrait elements matching the target point data and target interest data among a plurality of standard portrait elements contained in the user portrait database, and integrates the plurality of target portrait elements to generate a target user portrait corresponding to the user terminal.
For example, the terminal device firstly controls the Saas operation platform to read a storage device in the terminal device to acquire a user portrait database which is prestored by a technician and contains a plurality of standard portrait elements, a plurality of standard portrait data corresponding to the plurality of standard portrait elements respectively and a plurality of standard equity data corresponding to the plurality of standard portrait elements respectively, then the terminal device controls the Saas operation platform to read the cloud server to acquire cloud point data corresponding to the user terminal and determine a service data type corresponding to the cloud point data, when the service data type is the above-mentioned deposit bill service transacting type, the terminal device controls the Saas operation platform to screen a plurality of standard point data contained in a user portrait database based on the deposit bill service transacting type, thereby screening to obtain target point data corresponding to the deposit bill service transacting type, and simultaneously, the terminal device controls the Saas operation platform to read a cloud server to acquire equity redemption data corresponding to the user terminal and determine a equity redemption category and an equity amount contained in the equity redemption data, when the equity category is the above-mentioned air point data and the equity transaction type is the air point data corresponding to the air interface, the terminal is screened to the target equity point data contained in the target portrait database based on the target equity data corresponding to the deposit bill service type, and combines the plurality of target portrait elements to generate a target user portrait corresponding to the user terminal.
Further, in a possible embodiment, the step of determining the target service scheme based on the target user portrait in the step S30 may specifically include:
step S305: acquiring a preset service scheme table, wherein the service scheme table comprises a plurality of standard service schemes and a plurality of standard user portraits respectively corresponding to the standard service schemes;
in this embodiment, the terminal device first controls the operation platform to read the storage device to obtain a service plan table including a plurality of standard service plans and a plurality of standard user images corresponding to the plurality of standard service plans, respectively.
Step S306: determining a standard user portrait consistent with the target user portrait from a plurality of standard user portraits, and determining a standard service scheme corresponding to the standard user portrait consistent with the target user portrait as a target service scheme;
in this embodiment, the terminal device control operation platform filters the service plan table based on the generated target user image through the internally configured plan determining module, so as to determine a standard user image consistent with the target user image in the service plan table, and determine a standard service plan corresponding to the standard user image consistent with the target user image in the service plan table, thereby determining the standard service plan as a target service plan corresponding to the user terminal.
For example, the terminal device first controls the Saas operation platform to read a storage device to obtain a service plan table stored by a technician and containing a plurality of standard service plans and a plurality of standard user images corresponding to the plurality of standard service plans, respectively, and then controls the Saas operation platform to filter the service plan table based on the obtained target user images through an internally configured plan determination module to determine a standard user image consistent with the target user image among the plurality of standard user images contained in the service plan table, thereby determining a standard service plan corresponding to the standard user image consistent with the target user image based on the service plan table, and determining the target service plan corresponding to the user terminal.
In this embodiment, when the terminal device operates, firstly, an internally configured operation platform is invoked to detect the user terminal, so that when the user terminal is detected to execute a service transacting operation, service transacting operation data generated when a user executes the service transacting operation is obtained, the terminal device controls the operation platform to generate cloud point data corresponding to the user terminal based on the service transacting operation data through a first internally configured generation module, the cloud point data is stored on a cloud server connected with the terminal device, then, the terminal device invokes the operation platform to detect the user terminal, so that when the user terminal is detected to execute the service transacting operation, rights and then, rights and the terminal device controls the operation platform to generate rights and interests exchanging data corresponding to the user terminal based on the rights and interests exchanging operation data through a second internally configured generation module, and stores the rights and interests exchanging data in the cloud server, finally, the terminal device controls the operation platform to read a storage device of the internal configuration so as to obtain a user portrait database pre-stored by a technical personnel, and control a portrait database to read the portrait database corresponding to the user terminal and further obtain a target portrait database based on the portrait cloud point and the portrait database corresponding to the user terminal.
In this way, the cloud point data and the equity exchange data are automatically generated by the terminal equipment based on the acquired business handling operation data and equity exchange operation data generated by the user terminal, the user portrait corresponding to the user is determined based on the cloud point data and equity exchange data, and then the target service scheme is determined based on the user portrait, so that the technical problem that high-quality service cannot be provided for the client due to the fact that clear client portrait cannot be established for the client of service in the operation process of the current bank is solved, accurate establishment of the client portrait is achieved, and further the technical effect of determining the proper service scheme based on the client portrait is achieved, so that high-quality service can be provided for the client, and development of middle and small banks is promoted.
Further, based on the first embodiment of the present operation platform-based point generation and management method described above, a second embodiment of the present operation platform-based point generation and management method is proposed herein.
Referring to fig. 3, fig. 3 is a flowchart of a second embodiment of the method for generating and managing an integration based on an operation platform according to the present application, as shown in fig. 3, after the step S30, the method for generating and managing an integration based on an operation platform may further include the following steps:
Step A10: acquiring a preset rights and interests exchange database, wherein the rights and interests exchange database comprises a plurality of exchangeable rights and interests;
in this embodiment, the terminal device first controls the operation platform to read the storage device, so as to obtain a rights and interests exchange database including a plurality of exchangeable rights and interests, which is stored in advance by a technician.
Step A20: determining the interest demands corresponding to the user terminals based on the target user portraits, and judging whether a plurality of redeemable interests contain target redeemable interests corresponding to the interest demands;
in this embodiment, the terminal device control operation platform determines the rights and interests requirements corresponding to the user terminal based on the target user portrait, so as to screen the rights and interests exchange database based on the rights and interests requirements to determine whether the plurality of exchangeable rights and interests included in the rights and interests exchange database include target exchangeable rights and interests corresponding to the rights and interests requirements.
Step A30: if the target redeemable rights are judged not to be contained in the plurality of redeemable rights, acquiring the target redeemable rights through a preset third-party server, and adding the target redeemable rights into the rights redemption database;
In this embodiment, if the terminal device determines that the target redeemable rights corresponding to the rights requirement is not included in the plurality of redeemable rights included in the rights exchange database, the control operation platform accesses a third-party server responsible for issuing the redeemable rights, so as to obtain the target redeemable rights through the third-party server, and adds the obtained target redeemable rights to the rights exchange database.
For example, the terminal device first controls the Saas operation platform to read the storage device to obtain a equity redemption database containing equity redeemable benefits such as airline mileage redeemable benefits, article redeemable benefits and service redeemable benefits stored in advance by a technician, then the terminal device controls the Saas operation platform to determine that the equity requirement of the user is the mileage of the redeemable B airline based on the target user portrait, the terminal device determines whether a target exchangeable equity of the redeemable benefits contained in the equity redemption database contains the mileage of the redeemable B airline, then the terminal device controls the Saas operation platform to access a equity issuing server connected to the terminal device if the terminal device determines that the target exchangeable equity is not contained in the equity redemption database, so as to initiate an application to the B airline to obtain the target exchangeable equity capable of redeeming the mileage of the B airline through the equity issuing server, and finally the terminal device controls the Saas operation platform to input the obtained target exchangeable equity into the equity redemption database.
In this embodiment, the terminal device first controls the operation platform to read the storage device to obtain a rights and interests exchange database including a plurality of exchangeable rights and interests stored in advance by a technician, then controls the operation platform to determine the rights and interests requirements corresponding to the user terminal based on the target user portrait, so as to screen the rights and interests exchange database based on the rights and interests requirements to determine whether the plurality of exchangeable rights and interests included in the rights and interests exchange database include target exchangeable rights and interests corresponding to the rights and interests, and finally, if the terminal device determines that the plurality of exchangeable rights and interests included in the rights and interests exchange database do not include target exchangeable rights and interests corresponding to the rights and interests, controls the operation platform to access a third party server responsible for issuing exchangeable rights and interests, so as to obtain the target exchangeable rights and interests through the third party server, and add the obtained target exchangeable rights and interests into the rights and interests exchange database.
Therefore, the application determines the interest demand corresponding to the user based on the target user portrait, and when judging that the interest exchange database does not contain the target exchangeable interest corresponding to the interest demand, the application obtains the target exchangeable interest by accessing the third party server, so that the operation platform can more accurately know the user demand in the process of serving the client, and ensure that the user demand can be met in time, thereby avoiding the situation that the user holds more cloud points, but the system has no interest which the user wants to exchange.
Further, based on the first embodiment and/or the second embodiment of the present operation platform based point generation and management method described above, a third embodiment of the present operation platform based point generation and management method is presented herein.
Referring to fig. 4, fig. 4 is a flowchart of a third embodiment of the method for generating and managing an integration based on an operation platform according to the present application, as shown in fig. 4, after the step S30, the method for generating and managing an integration based on an operation platform may further include the following steps:
step B10: detecting the cloud point data corresponding to the user terminal, and determining data generation time and data elimination time corresponding to the cloud point data;
in this embodiment, the terminal device controls the operation platform to read the cloud server to obtain cloud point data of the user terminal, and determines data generation time of the cloud point data, and at the same time, the terminal device obtains an integral elimination rule preset by a technician, and determines data elimination time corresponding to the cloud point data based on the integral elimination rule and the data generation time.
Step B20: determining a time difference between the data generation time and the data elimination time, and judging whether the time difference is equal to a preset time threshold;
In this embodiment, the terminal device controls the operation platform to calculate a time difference between the data generation time and the data elimination time, and determines whether the time difference is equal to a time threshold preset by a technician.
Step B30: if the time difference value is judged to be equal to the time threshold value, generating elimination prompt information, and sending the elimination prompt information to the user terminal;
in this embodiment, if the terminal device determines that the time difference value is equal to the time threshold, the terminal device generates an elimination prompt message with an integral processing option, and sends the elimination prompt message to the user terminal, and when the user terminal receives the elimination prompt message, the user can control the user terminal to operate based on the integral processing option included in the elimination prompt message, and meanwhile, the terminal device controls the operation platform to detect the user terminal so as to obtain an integral processing result sent by the user terminal and based on the integral processing option.
Step B40: when the user terminal is detected not to respond to the elimination prompt information, determining the target redeemable rights and interests in a plurality of redeemable rights and interests based on the rights and interests requirements, and executing rights and interests redemption operation;
In this embodiment, if the terminal device does not detect the result of the point processing sent by the user terminal, it determines that the user terminal does not respond to the elimination prompt information with the point processing option, and then the terminal device controls the operation platform to determine the target exchangeable equity in the exchangeable equity contained in the equity exchange database based on the equity requirement, and automatically performs equity exchange operation based on cloud point data corresponding to the user terminal to exchange the target exchangeable equity.
For example, the terminal device controls the Saas operation platform to read the cloud point data of the user terminal, and determines the data generation time of the cloud point data, meanwhile, the terminal device reads the storage device to obtain the point elimination rule preset by the technician, and determines the point retention time based on the point elimination rule, the terminal device accordingly calculates the data elimination time corresponding to the cloud point data based on the point retention time and the data generation time, then the terminal device controls the Saas operation platform to calculate the time difference between the data generation time and the data elimination time, and determines whether the time difference is equal to 0, thereby judging whether the time difference is equal to 0, and then the terminal device generates elimination prompt information with a point processing option if the time difference is equal to the time threshold, and then sends the elimination prompt information to the user terminal, and the user device can control the user terminal to manually process the cloud point data about to be expired based on the point processing option contained in the elimination prompt information to finish the benefit exchange, and simultaneously, the terminal device detects the user terminal to obtain the data elimination time corresponding to the point data, and finally determines that the point data about the interest can not be converted to the benefit exchange request of the user terminal is completed in the terminal device when the corresponding to the request for the user terminal is not received in the request for the user terminal if the corresponding to the request for the user terminal is not received in the request for the cloud point processing operation platform, target redeemable equities that are able to acquire B airline mileage are redeemed using cloud point data that is about to expire.
In this embodiment, the terminal device control operation platform reads the cloud server to obtain cloud point data of the user terminal, and determines data generation time of the cloud point data, meanwhile, the terminal device obtains a point elimination rule preset by a technician, and determines data elimination time corresponding to the cloud point data based on the point elimination rule and the data generation time, then the terminal device control operation platform calculates a time difference between the data generation time and the data elimination time, and judges whether the time difference is equal to a time threshold preset by the technician, then the terminal device generates elimination prompt information with point processing options if the time difference is judged to be equal to the time threshold, and sends the elimination prompt information to the user terminal, when the user terminal receives the elimination prompt information, the user terminal can control the user terminal to operate based on the point processing options contained in the elimination prompt information, meanwhile, the terminal device control operation platform detects the user terminal to obtain a point processing result based on the point processing options sent by the user terminal, finally, if the terminal device does not detect the point processing result sent by the user terminal, determines that the user terminal does not have the point processing result sent by the user terminal, then the terminal device generates elimination prompt information with point processing options based on the corresponding request, and the user terminal can execute the conversion request according to the conversion request automatically when the user terminal has the conversion request.
In this way, the cloud point data generation time and the data elimination time are detected to judge whether the cloud point data is out of date, and then message prompt information is generated when the cloud point data is about to be out of date is determined, and then when the user is determined not to respond to the elimination prompt information, the rights and interests exchange operation is automatically completed for the user based on the acquired rights and interests, so that the operation platform timely exchanges the rights and interests for the user when the cloud point corresponding to the user is determined to be out of date, and the technical problem that the cloud point cannot be processed timely by the user and is directly out of date under the condition that the rights and interests are not exchanged is solved.
In addition, in order to achieve the above objective, the present application further provides an apparatus for generating and managing points on an operation platform, referring to fig. 5, fig. 5 is a schematic diagram of functional modules related to an embodiment of the apparatus for generating and managing points on an operation platform according to the present application, as shown in fig. 5, the apparatus includes:
a first generation module 10, configured to, when detecting that a user terminal performs a service handling operation, obtain service handling operation data of the user terminal, and generate cloud point data corresponding to the user terminal based on the service handling operation data;
The second generating module 20 is configured to obtain rights and interests exchange operation data of the user terminal when it is detected that the user terminal performs the rights and interests exchange operation, and generate rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
the solution determining module 30 is configured to generate a target user portrait corresponding to the user terminal according to the cloud point data and the rights exchange data, and determine a target service solution based on the target user portrait.
Further, the first generating module 10 includes:
the first reading unit is used for determining a service data type corresponding to the service handling operation data and determining a target integration rule corresponding to the service data type;
and the first generation unit is used for generating cloud point data corresponding to the user terminal based on the target point rule and the business handling operation data.
Further, the second generating module 20 includes:
a second reading unit, configured to determine a rights exchange category and a rights exchange number included in the rights exchange operation data;
and the second generation unit is used for generating the rights exchange data corresponding to the user terminal based on the rights exchange category and the rights exchange quantity.
Further, the scheme determination module 30 includes:
a first obtaining unit, configured to obtain a preset user portrait database, where the user portrait database includes a plurality of standard portrait elements, a plurality of standard integral data corresponding to a plurality of the standard portrait elements, and a plurality of standard rights and interests data corresponding to a plurality of the standard portrait elements;
the first screening unit is used for screening the user portrait database according to the service data type corresponding to the cloud point data so as to determine target point data corresponding to the service data type in a plurality of standard point data;
a second screening unit, configured to screen the user profile database according to the rights exchange category and the rights exchange number included in the rights exchange data, so as to determine target rights data corresponding to the rights exchange category and the rights exchange number from a plurality of standard rights data;
and an element combination unit for determining a plurality of target portrait elements among a plurality of standard portrait elements based on the target point data and the target equity data, and generating a target user portrait corresponding to the user terminal according to the plurality of target portrait elements.
Further, the scheme determination module 30 further includes:
the second acquisition unit is used for acquiring a preset service scheme table, wherein the service scheme table comprises a plurality of standard service schemes and a plurality of standard user portraits respectively corresponding to the standard service schemes;
and a third filtering unit, configured to determine, from among the plurality of standard user portraits, a standard user portraits that matches the target user portraits, and determine, as a target service plan, a standard service plan corresponding to the standard user portraits that matches the target user portraits.
Further, the scheme determination module 30 further includes:
the third acquisition unit is used for acquiring a preset rights and interests exchange database, wherein the rights and interests exchange database comprises a plurality of exchangeable rights and interests;
the equity detection unit is used for determining equity demands corresponding to the user terminals based on the target user portrait and judging whether a plurality of exchangeable equity contains target exchangeable equity corresponding to the equity demands or not;
and the right acquisition unit is used for acquiring the target exchangeable right through a preset third-party server and adding the target exchangeable right into the right exchange database if judging that the target exchangeable right is not included in the exchangeable rights.
Further, the scheme determination module 30 further includes:
the data detection unit is used for detecting the cloud point data corresponding to the user terminal and determining data generation time and data elimination time corresponding to the cloud point data;
the expiration detection unit is used for determining a time difference value between the data generation time and the data elimination time and judging whether the time difference value is equal to a preset time threshold value or not;
the information sending unit is used for generating elimination prompt information and sending the elimination prompt information to the user terminal if the time difference value is judged to be equal to the time threshold value;
and the exchange execution unit is used for determining the target exchangeable equity in the exchangeable equity based on the equity demand when the user terminal is detected not to respond to the elimination prompt information, and executing equity exchange operation.
In addition, the application also provides a terminal device, which is provided with an operation platform-based point generation and management program capable of running on a processor, and the terminal device realizes the steps of the operation platform-based point generation and management method according to any one of the embodiments when executing the operation platform-based point generation and management program.
The specific embodiment of the terminal device of the present application is substantially the same as the embodiments of the above-mentioned integration generation and management method based on the operation platform, and will not be described herein.
Furthermore, the present application provides a computer readable storage medium, on which an operation platform based point generation and management program is stored, which when executed by a processor, implements the steps of the operation platform based point generation and management method according to any one of the above embodiments.
The specific embodiments of the computer readable storage medium are basically the same as the embodiments of the integration generation and management method based on the operation platform, and are not described herein.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The foregoing embodiment numbers of the present application are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above, comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present application.
The foregoing description is only of the preferred embodiments of the present application, and is not intended to limit the scope of the application, but rather is intended to cover any equivalents of the structures or equivalent processes disclosed herein or in the alternative, which may be employed directly or indirectly in other related arts.

Claims (10)

1. An operation platform-based point generation and management method, which is characterized by comprising the following steps:
when detecting that a user terminal executes service handling operation, acquiring service handling operation data of the user terminal, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
when the user terminal is detected to execute the rights and interests exchange operation, obtaining rights and interests exchange operation data of the user terminal, and generating rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
and generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights and interests exchange data, and determining a target service scheme based on the target user portrait.
2. The operation platform-based point generation and management method according to claim 1, wherein the step of generating cloud point data corresponding to the user terminal based on the service transacting operation data comprises:
determining a service data type corresponding to the service handling operation data, and determining a target point rule corresponding to the service data type;
And generating cloud point data corresponding to the user terminal based on the target point rule and the business handling operation data.
3. The operation platform-based point generation and management method according to claim 2, wherein the step of generating the equity redemption data corresponding to the user terminal based on the equity redemption operation data includes:
determining the rights exchange category and the rights exchange quantity contained in the rights exchange operation data;
and generating the rights exchange data corresponding to the user terminal based on the rights exchange category and the rights exchange quantity.
4. The operation platform-based point generation and management method according to claim 3, wherein the step of generating a target user portrayal corresponding to the user terminal according to the cloud point data and the equity redemption data comprises:
acquiring a preset user portrait database, wherein the user portrait database comprises a plurality of standard portrait elements, a plurality of standard integral data corresponding to the standard portrait elements and a plurality of standard rights and interests data corresponding to the standard portrait elements;
Screening the user portrait database according to the service data type corresponding to the cloud point data so as to determine target point data corresponding to the service data type in a plurality of standard point data;
screening the user portrait database according to the rights exchange category and the rights exchange quantity contained in the rights exchange data to determine target rights data corresponding to the rights exchange category and the rights exchange quantity from a plurality of standard rights data;
and determining a plurality of target portrait elements from a plurality of standard portrait elements based on the target point data and the target interest data, and generating a target user portrait corresponding to the user terminal according to the plurality of target portrait elements.
5. The method of claim 4, wherein the step of determining a target service plan based on the target user representation comprises:
acquiring a preset service scheme table, wherein the service scheme table comprises a plurality of standard service schemes and a plurality of standard user portraits respectively corresponding to the standard service schemes;
And determining a standard user portrait consistent with the target user portrait from a plurality of standard user portraits, and determining a standard service scheme corresponding to the standard user portrait consistent with the target user portrait as a target service scheme.
6. The operations platform based point generation and management method of claim 5, wherein after the step of determining a target service plan based on the target user representation, the method further comprises:
acquiring a preset rights and interests exchange database, wherein the rights and interests exchange database comprises a plurality of exchangeable rights and interests;
determining the interest demands corresponding to the user terminals based on the target user portraits, and judging whether a plurality of redeemable interests contain target redeemable interests corresponding to the interest demands;
and if the target redeemable rights are judged not to be contained in the plurality of redeemable rights, acquiring the target redeemable rights through a preset third-party server, and adding the target redeemable rights into the rights redemption database.
7. The operations platform based point generation and management method of claim 6, wherein after the step of determining a target service plan based on the target user representation, the method further comprises:
Detecting the cloud point data corresponding to the user terminal, and determining data generation time and data elimination time corresponding to the cloud point data;
determining a time difference between the data generation time and the data elimination time, and judging whether the time difference is equal to a preset time threshold;
if the time difference value is judged to be equal to the time threshold value, generating elimination prompt information, and sending the elimination prompt information to the user terminal;
and when the user terminal is detected to not respond to the elimination prompt information, determining the target redeemable rights based on the rights requirements in a plurality of redeemable rights, and executing rights redemption operation.
8. An operation platform-based point generation and management apparatus, the apparatus comprising:
the first generation module is used for acquiring service handling operation data of the user terminal when the user terminal is detected to execute service handling operation, and generating cloud point data corresponding to the user terminal based on the service handling operation data;
the second generation module is used for acquiring the rights and interests exchange operation data of the user terminal when the rights and interests exchange operation of the user terminal is detected, and generating the rights and interests exchange data corresponding to the user terminal based on the rights and interests exchange operation data;
And the scheme determining module is used for generating a target user portrait corresponding to the user terminal according to the cloud point data and the rights exchange data and determining a target service scheme based on the target user portrait.
9. A terminal device, characterized in that the terminal device comprises: a memory, a processor, on which there is stored an operation platform based point generation and management program executable on the processor, which when executed by the processor, implements the steps of the operation platform based point generation and management method according to any one of claims 1 to 7.
10. A computer readable storage medium, characterized in that it has stored thereon an operation platform based point generation and management program, which when executed by a processor, implements the steps of the operation platform based point generation and management method according to any of claims 1 to 7.
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