CN116886655A

CN116886655A - Information pushing method, device and equipment

Info

Publication number: CN116886655A
Application number: CN202311013726.4A
Authority: CN
Inventors: 罗小乔; 魏立群
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2023-08-11
Filing date: 2023-08-11
Publication date: 2023-10-13

Abstract

The embodiment of the application provides an information pushing method, device and equipment, which can be used in the technical field of computers. The method comprises the following steps: determining a target account, wherein the target account is an account for repayment of a preset bill on a preset date; acquiring account information of a target account and bill information of a preset bill; acquiring an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of bits to be filled; determining filling configuration information corresponding to each bit to be filled, wherein the filling configuration information comprises at least one target data type and a processing mode of the at least one target data type; determining data to be filled corresponding to each bit to be filled according to filling configuration information, account information and bill information corresponding to each bit to be filled, and filling the data to be filled into the corresponding bit to be filled to obtain target information; and sending the target information to the user equipment corresponding to the target account. The popularization efficiency can be improved through the method.

Description

Information pushing method, device and equipment

Technical Field

The embodiment of the application relates to the technical field of computers, in particular to an information pushing method, device and equipment.

Background

The payment means of the credit card bill may include full payment and staged payment (i.e., bill staged), etc. With staged payment, the user can pay back and pay back a bill generated on a bill day through a plurality of months of periodic payment. The staged repayment mode can reduce repayment pressure of the user and improve income of the bank.

In the related art, a bank can develop popularization activities and a mode of popularizing and stage repayment to a user. For example, the promotion may be web advertisement, television advertisement, broadcast advertisement, brochure, mass texting, or telephone offer. However, the popularization cost of the popularization activity is high, the popularization range is inaccurate, and the popularization efficiency is low.

Disclosure of Invention

The embodiment of the application provides an information pushing method, device and equipment.

In a first aspect, the present application provides an information pushing method, including:

determining a target account, wherein the target account is an account for repayment of a preset bill on a preset date;

acquiring account information of the target account and bill information of the preset bill;

acquiring an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of bits to be filled;

Determining filling configuration information corresponding to each bit to be filled, wherein the filling configuration information comprises at least one target data type and a processing mode of the at least one target data type;

determining data to be filled corresponding to each bit to be filled according to filling configuration information corresponding to each bit to be filled, account information and bill information, and filling the data to be filled into the corresponding bit to be filled to obtain target information;

and sending the target information to the user equipment corresponding to the target account.

In one possible implementation, for any one bit to be filled; determining data to be filled corresponding to the bits to be filled according to filling configuration information corresponding to the bits to be filled, account information and bill information, including:

determining data to be used corresponding to each target data type in the account information and/or the bill information to obtain at least one data to be used;

and processing the at least one data to be used according to the processing mode of the at least one target data type to obtain the data to be filled.

In one possible implementation, for any one target data type; determining the data to be used corresponding to the target data type in the account information and/or the bill information, wherein the data to be used comprises the following steps:

Acquiring a first data type set corresponding to the account information and a second data type set corresponding to the bill information, wherein the first data type set and the second data type set respectively comprise a plurality of data types;

determining selected information in the account information and the bill information according to the target data type, the first data type set and the second data type set;

and determining the data to be used corresponding to the target data type in the selected information.

In a possible implementation manner, determining selected information in the account information and the bill information according to the target data type, the first data type set and the second data type set includes:

if the first data type set comprises the target data type, determining the account information as the selected information;

and if the target data type is included in the second data type set, determining the bill information as the selected information.

In a possible implementation manner, determining the data to be used corresponding to the target data type in the selected information includes:

Determining a historical text position corresponding to the target data type, wherein the probability of the data to be used appearing in the historical text position in the selected information is greater than or equal to a preset threshold value;

determining partial selected information in the selected information according to the historical text position;

word segmentation processing is carried out on the part of selected information to obtain a plurality of words;

and determining semantic information corresponding to each vocabulary, and determining the data to be used in the plurality of vocabularies according to the target data type and the semantic information corresponding to each vocabulary.

In one possible implementation, determining the target account includes:

determining a plurality of primary accounts, wherein the primary accounts are accounts to be paid on the preset date;

determining a user identification, a historical stage indication and a historical bill indication of each primary account, wherein the historical stage indication is used for indicating whether the account is subjected to stage repayment in a historical period, and the historical bill indication is used for indicating whether the account has a historical bill unremoved;

and determining the target account in the plurality of primary accounts according to the user identification, the historical stage indication and the historical bill indication of each primary account.

In a possible implementation manner, determining the target account in the plurality of primary accounts according to the user identification, the historical stage indication and the historical bill indication of each primary account includes:

classifying the plurality of primary accounts according to the user identification of each primary account to obtain a plurality of account sets, wherein the user identifications of the accounts in the account sets are the same;

and determining a corresponding target account in any account set according to the historical stage indication and the historical bill indication of each primary account in the account set.

In a possible implementation manner, according to the historical stage indication and the historical bill indication of each primary account in the account set, determining a corresponding target account in the account set includes:

if one primary account exists in the account set, determining the one primary account as the target account;

if at least two primary accounts exist in the account set, determining the account type of each primary account in the account set according to the historical stage indication and the historical bill indication of each primary account in the account set, and determining a corresponding target account in the account set according to the account type of each primary account.

In a possible implementation manner, determining a corresponding target account in the account set according to the account type of each primary account includes:

according to each account type, determining a weight value of each primary account in the account set;

determining at least one account to be selected in the account set according to the weight value of each initial account in the account set, wherein the weight value of the account to be selected is highest;

if the number of the accounts to be selected is 1, determining the accounts to be selected as the target accounts;

and if the number of the candidate accounts is greater than 1, determining the candidate account with the highest repayment amount in the at least one candidate account as the target account.

In a second aspect, the present application provides an information pushing apparatus, including: the device comprises a determining module, an acquiring module, a generating module and a transmitting module, wherein,

the determining module is used for determining a target account, wherein the target account is an account for repayment of a preset bill on a preset date;

the acquisition module is used for acquiring account information of the target account and bill information of the preset bill;

the acquisition module is also used for acquiring an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of bits to be filled;

The determining module is further configured to determine filling configuration information corresponding to each bit to be filled, where the filling configuration information includes at least one target data type and a processing manner of the at least one target data type;

the determining module is further configured to determine, according to filling configuration information corresponding to each bit to be filled, the account information and the bill information, data to be filled corresponding to each bit to be filled;

the generating module is used for filling the data to be filled into the corresponding bits to be filled to obtain target information;

the sending module is used for sending the target information to the user equipment corresponding to the target account.

In one possible implementation, for any one bit to be filled; the determining module is specifically configured to:

In one possible implementation, for any one target data type; the determining module is specifically configured to:

In one possible implementation manner, the determining module is specifically configured to:

In a third aspect, the present application provides an information pushing apparatus, including: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of the first aspects.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for performing the method of any of the first aspects when executed by a processor.

In a fifth aspect, the present application provides a computer program product comprising a computer program which, when executed by a computer, implements the method according to any of the first aspects.

The information pushing method, the information pushing device and the information pushing equipment provided by the embodiment can determine the target account, can acquire account information of the target account and bill information of a preset bill, and can acquire an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of to-be-filled positions; filling configuration information corresponding to each bit to be filled can be determined; the method comprises the steps that filling configuration information, account information and bill information corresponding to each bit to be filled can be used for determining data to be filled corresponding to each bit to be filled, and filling the data to be filled into the corresponding bit to be filled to obtain target information; the target information may be sent to a user device corresponding to the target account. In the method, the corresponding target information can be generated aiming at the target account, and the target information can be sent to the user equipment corresponding to the target account so as to promote the staged repayment service to the user. By the method, the staged repayment service can be accurately promoted to the user, and the promotion efficiency is improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions of the prior art, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it will be obvious that the drawings in the following description are some embodiments of the present application, and that other drawings can be obtained according to these drawings without inventive effort to a person skilled in the art.

Fig. 1 is a schematic diagram of an application scenario provided in an embodiment of the present application;

fig. 2 is a schematic flow chart of an information pushing method according to an embodiment of the present application;

fig. 3 is a schematic flow chart of another information pushing method according to an embodiment of the present application;

FIG. 4 is a method for determining a target account according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of an information pushing device according to an embodiment of the present application;

fig. 6 is a schematic hardware structure of an information push device according to an embodiment of the present application.

Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.

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 apparatus 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 apparatus. 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 apparatus that comprises the element.

In the technical scheme of the application, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing and the like of the information such as financial data or user data are in accordance with the regulations of related laws and regulations, and the public welfare is not violated.

For easy understanding, technical terms designed for the embodiments of the present application will be explained first.

Credit card staging: credit card staging is a way of consuming. Credit card staging allows cardholders to split up large consumption into periodic payments for months. Credit cards are staged, typically requiring payment of a certain interest or fee. Credit card installments can help cardholders manage finances more easily and spread high-volume consumption over longer periods of time. The method is beneficial to card issuing, and can increase the middle income of banks and improve the loyalty and liveness of customers.

Billing stage: the term of bill refers to the next day of bill to the day before the last payment day, and the cardholder applies for the payment of a certain rennet money consumption amount from the credit card issuer.

Downlink short message: refers to a short message sent from a service provider to a user's handset. In a broad sense, it may be any short message sent to the mobile phone user, including promotional information, notifications, reminders, etc. In a specific scenario, the downlink short message may also refer to a promotional short message sent to the user in the marketing campaign for conveying specific products, services, or promotional information.

Upstream short message: refers to a short message sent by a user from his mobile phone to a service provider. Such messages are typically used to reply or respond to downstream messages previously sent by the service provider. In a marketing campaign, a service provider may provide a user with some interaction mechanism (e.g., reply keywords) via a downlink sms to trigger the user to send an uplink sms to engage in a particular campaign or obtain related information.

In order to facilitate understanding, an application scenario according to an embodiment of the present application is described below with reference to fig. 1.

Fig. 1 is a schematic diagram of an application scenario provided in an embodiment of the present application. Referring to fig. 1, a bank may advertise a billing staged campaign to a user.

Currently, users may not have awareness of staged consumption or forget to transact staged payouts, thereby selecting other payouts. In addition, some users may not be familiar with the operation flow of the credit card staged payment or consider the transaction process relatively cumbersome, and therefore may not be willing to actively transact the staged payment service.

To solve the above problems, users are made aware of the staged payment and amortize the credit card bill using the staged payment. In the related art, the method of stage repayment for user promotion can be realized by means of network advertisement, television advertisement, broadcast advertisement, mail, brochure, offline promotion, collaborative promotion, mass-sending short message promotion, push notification, or marketer telephone offer. However, in the above promotion mode, the promotion of the mode of repayment in stages through a large number of advertisements and the like makes the promotion cost high, but the promotion range is inaccurate, resulting in lower promotion efficiency.

In view of this, the embodiment of the application provides an information pushing method. According to the method, the popularization information and the accurate popularization and stage repayment activities can be customized individually for users with bill repayment demands. The popularization information can be sent to the user in a short message mode so as to invite the user to transact the staged repayment service. Through the method, the method can be accurately popularized to users with repayment demands, so that the popularization effect is good, and the popularization efficiency is high.

In addition, compared with the traditional popularization modes such as telephone, advertisement and the like, the information pushing method provided by the embodiment of the application has the advantage of low price, and can realize activity popularization while reducing the cost.

Optionally, in the information pushing method of the application, the user can be guided to conveniently know and participate in the staged payment service by replying information form and transacting the staged payment service, and no additional telephone communication or self-transacting is needed, thereby reducing the transacting difficulty of the staged payment service, improving the transacting amount of the staged payment service and improving the convenience and satisfaction of the user.

The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with specific embodiments. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Fig. 2 is a schematic flow chart of an information pushing method according to an embodiment of the present application. The execution subject of the method can be an information pushing system or an information pushing device arranged in the information pushing system. The information pushing device can be realized by software, or can be realized by a combination of software and hardware.

Referring to fig. 2, the method may include:

s201, determining a target account, wherein the target account is an account for repayment of a preset bill on a preset date.

The preset bill may be a bill generated on a bill day. The preset bill may be, for example, a credit card bill.

The preset date may be a payment date of the preset bill. For example, the preset date may be a payment date of a credit card bill.

In this embodiment, the account with the preset bill may be determined as the target account on a specific date. For example, the particular date may be a billing date.

For example, an account that will generate a credit card bill on a bill day may be determined as the target account.

Alternatively, the target account may be determined during periods of server resource abundance (e.g., during the night) to reduce impact on other traffic.

Alternatively, in another embodiment, the target account may be sent to the information push system manually through the electronic device.

S202, acquiring account information of a target account and bill information of a preset bill.

The account information may be user information corresponding to the target account and card information. For example, the account information may be a user identifier, a user name, a card identifier, and the like corresponding to the target account.

The bill information may be a payment amount to be paid by the target account during the current payment cycle, etc.

In this embodiment, account information of the target account and bill information of the preset bill may be obtained from the database. The database may be disposed in the information push system or the database may be disposed in a storage device that may be in communication with the information push system. This embodiment is not limited thereto.

S203, acquiring an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of bits to be filled.

The information template may be an information template corresponding to the current information pushing activity.

The preset stage repayment mode can be a stage repayment mode corresponding to the current information pushing activity. For example, the staged payment method may be a staged 6-stage payment method, a staged 12-stage payment method, or the like.

The template content may be fixed content included in the information template.

The bits to be filled may be empty bits in the information template.

In this embodiment, the activity information may be preset according to the activity requirement of the current push activity. The activity information may include: activity identification, preset stage repayment mode, information template and the like.

In this embodiment, a preset staged payment method and an information template corresponding to the preset staged payment method may be obtained from the activity information.

By way of example, the activity information may be as shown in table 1:

TABLE 1

Activity identification	Preset repayment mode	Information template
			Push event 1	Stage 6	Template 1

As shown in Table 1, the activity identifier may be push activity 1, the preset repayment mode may be period 6, and the information template may be template 1.

Optionally, the activity information in the implementation process may further include: active period, active state, information push time, etc.

The activity period may be an expiration date of the current push activity. For example, assuming the activity period is the present month, the current push activity is valid for the present month.

The active state may be an inactive state, or an active state. If the active state is an inactive state, the current pushing activity is not developed yet; if the active state is the active state, then the current push activity has already been performed.

The activity information may also be as shown in table 2:

TABLE 2

As shown in table 2, the activity information may further include an activity period, an activity state, and an activity push time on the basis of table 1. For example, the activity period may be 8 months, the activity state may be an active state, and the activity push time may be 8 months.

S204, determining filling configuration information corresponding to each bit to be filled, wherein the filling configuration information comprises at least one target data type and a processing mode of the at least one target data type.

The target data type may be a data type of data required when determining the information to be filled on the bits to be filled.

For example, assuming that the information to be filled in a certain bit to be filled is the last 4 bits of the card number, the information to be filled in the certain bit to be filled needs to be determined according to the card number. It can be determined that the target data type is a card number type.

The processing mode of the target data type may be a data processing mode adopted when determining the data to be filled on the bit to be filled.

For example, assuming that the data corresponding to the target data type is a card number and the information to be filled is the last 4 bits of the card number, the processing manner of the target data type may be extracting the last 4 bits of the card number.

In this embodiment, the description information of the information template may be set in advance. The description information of the information template may include filling configuration information corresponding to each bit to be filled.

In the implementation process, the filling configuration information corresponding to each bit to be filled can be determined according to the description information of the information template.

S205, determining data to be filled corresponding to each bit to be filled according to filling configuration information, account information and bill information corresponding to each bit to be filled, and filling the data to be filled to the corresponding bit to be filled to obtain target information.

In this embodiment, for any bit to be filled, the manner of determining the data to be filled corresponding to the bit to be filled is consistent. Next, a method for determining the data to be filled will be described taking as an example determining the data to be filled corresponding to any one bit to be filled.

In this embodiment, the data to be used corresponding to each target data type may be determined in account information and/or bill information, to obtain at least one data to be used; and processing the at least one data to be used according to the processing mode of the at least one target data type to obtain data to be filled.

The data to be used may be data corresponding to the target data type. For example, assuming that the target data type is a card number type, the data to be used is a card number.

Specifically, for any target data type corresponding to the bit to be filled, the data to be used corresponding to the target data type may be determined in account information or bill information, and the data to be used may be processed according to a processing manner of the target data type, so as to obtain the data to be filled corresponding to the target data type.

For example, it is assumed that a target data type corresponding to a certain bit to be filled is a user identification type, and the processing manner of the target data type is that a specific bit of a user identification (assuming that the user identification is a user identification card number) is subjected to hiding processing. In the implementation process, the user identifier can be determined in the account information, the user identifier is the data to be used, and the specific bit of the user identifier can be subjected to hiding processing to obtain the data to be filled.

In this embodiment, the data to be filled may include a fee for payment in stages, a fee rate for payment in stages, an amount to be paid in each stage after the payment in stages, and the like.

In the implementation process, the handling fee and the handling fee rate of the payment in stages, the amount of the payment in each stage after the payment in stages and the like can be determined according to the bill information and the filling configuration information corresponding to the corresponding to-be-filled bit.

Alternatively, in this embodiment, the target information may be generated in advance in a period (for example, at night) where the server resources are rich, the target information may be stored in the information table to be transmitted in the database, and the account status of the target account may be set to be processed to be completed, so as to indicate that the generation task of the target information corresponding to the target account is completed.

Optionally, in this embodiment, the number of servers that generate the target information may be adjusted according to the number of target accounts, so that the task of generating the target information may be completed within a period of time that the server resources are rich.

In this embodiment, when generating the target information, each data to be filled may be inserted into a corresponding bit to be filled according to the information template, so as to generate complete personalized bill staged offer information (target information) containing specific customer information.

Optionally, the target information may include information such as customer honor, four post card numbers corresponding to the target account, bill amount, stage interest rate, stage period number, and amount to be returned after stage transaction.

S206, sending target information to the user equipment corresponding to the target account.

The user equipment may be a terminal equipment having a communication function. For example, the user device may be a cell phone, or a tablet computer, etc.

In this embodiment, the target information may be transmitted to the short message gateway at a preset time, so as to implement sending of the target information. The preset time may be set in the activity information.

Optionally, in order to ensure that the target information can be sent to the user equipment corresponding to the target account before the preset time, the sending operation of the target information can be performed in a preset period before the preset time. For example, the transmission job of the target information may be performed 2 to 3 hours before the preset time.

Alternatively, the single information transmission amount may be set in the activity information. For example, the single information transmission amount may be 5000 pieces.

In the implementation process, all target information can be sent to corresponding user equipment in batches according to the single information sending amount and the total target information amount.

Alternatively, after the transmission job of the target information is completed, the account state of the target account may be set to be transmission completed, so as to indicate that the transmission task of the target information is completed.

Optionally, after sending the target information to the user equipment corresponding to the target account, the reply information corresponding to the target information sent by the user equipment may also be received. The reply message may include a user's willingness to transact a staged payment. The information pushing can process the stage business according to the reply information, and can inform the user after the process is successful.

Optionally, in this embodiment, the user may also monitor, by using a report, the situation and the effect of transacting the staged payment service according to the target information. For example, staged payment service transactions, staged payment amounts, and the like may be monitored.

Optionally, data analysis and optimization can be performed according to the monitoring result. Such as adjusting promotional activity content, optimizing targeted information content, etc.

Alternatively, the conversion effect (the conversion effect may be, for example, a conversion rate or a conversion amount) of the popularization activity may be determined based on the amount of the staged payment service transaction in the current payment cycle (from the day of bill to the day of payment) and the target information transmission amount. By the method, the effect of popularization activities can be evaluated and optimized, and a data-driven popularization strategy is realized.

According to the information pushing method provided by the embodiment, the target account can be determined, account information of the target account and bill information of a preset bill can be obtained, and an information template corresponding to a preset staged repayment mode can be obtained, wherein the information template comprises template content and a plurality of to-be-filled bits; filling configuration information corresponding to each bit to be filled can be determined; the method comprises the steps that filling configuration information, account information and bill information corresponding to each bit to be filled can be used for determining data to be filled corresponding to each bit to be filled, and filling the data to be filled into the corresponding bit to be filled to obtain target information; the target information may be sent to a user device corresponding to the target account. In the method, the corresponding target information can be generated aiming at the target account, and the target information can be sent to the user equipment corresponding to the target account so as to promote the staged repayment service to the user. By the method, the staged repayment service can be accurately promoted to the user, and the promotion efficiency is improved.

On the basis of the embodiment of fig. 2, the information pushing method provided by the embodiment of the present application is further described below with reference to fig. 3, and a method for determining data to be filled is described in detail.

Fig. 3 is a flow chart of another information pushing method according to an embodiment of the present application. The execution subject of the method can be an information pushing system or an information pushing device arranged in the information pushing system. The information pushing device can be realized by software, or can be realized by a combination of software and hardware. Referring to fig. 3, the method may include:

s301, determining a target account, wherein the target account is an account for repayment of a preset bill on a preset date.

S302, acquiring account information of a target account and bill information of a preset bill.

S303, acquiring an information template corresponding to a preset staged repayment mode, wherein the information template comprises template content and a plurality of bits to be filled.

S304, determining filling configuration information corresponding to each bit to be filled, wherein the filling configuration information comprises at least one target data type and a processing mode of the at least one target data type.

It should be noted that, the specific implementation manner of S301 to S304 may refer to S201 to S204, which are not described herein.

S305, acquiring a first data type set corresponding to account information and a second data type set corresponding to bill information.

The first set of data types may include data types of data included in the account information. For example, a user identification type, a user name type, a user gender type, and the like may be included in the first set of data types.

The second set of data types may include data types of data included in the billing information. For example, the second set of data types may include a billing amount type, etc.

That is, the first data type set and the second data type set each include a plurality of data types therein.

In this embodiment, the first data type set may be acquired according to account information, and the second data type set may be acquired according to billing information.

S306, determining selected information in account information and bill information according to the target data type, the first data type set and the second data type set aiming at any one target data type of any bit to be filled.

In this embodiment, if the first data type set includes the target data type, the account information is determined as the selected information; if the target data type is included in the second data type set, the bill information is determined to be selected information.

Specifically, the selected information may be account information, or billing information.

S307, determining the data to be used corresponding to the target data type in the selected information according to any target data type of any bit to be filled.

In this embodiment, a historical text position corresponding to the target data type may be determined, where the probability of occurrence of data to be used in the selected historical text position in the information is greater than or equal to a preset threshold; determining part of selected information in the selected information according to the historical text position; word segmentation processing is carried out on part of the selected information to obtain a plurality of words; and determining semantic information corresponding to each vocabulary, and determining data to be used in a plurality of vocabularies according to the target data type and the semantic information corresponding to each vocabulary.

The historical text location may be a location in which the selected information includes data to be used. For example, assuming that the selected information includes a plurality of bytes, the historical text location may be a particular byte in the selected information that includes the data to be used.

The preset threshold may be set according to actual needs, which is not limited in this embodiment.

The partial selection information may be information at a location of the history text.

In this embodiment, a plurality of vocabularies corresponding to the partially selected information may be obtained through word segmentation processing.

Illustratively, assume that the information at the location of the history text is the user name "Zhang San", i.e., the partially selected information is "Zhang San", for example. The word segmentation processing is carried out on part of the selected information to obtain a sheet and a sheet.

In this embodiment, semantic analysis may be performed on each vocabulary through a preset model to obtain semantic information corresponding to the vocabulary. The preset model may be a model which is preset and trained and is used for determining vocabulary semantic information.

By way of example, semantic analysis is performed on the vocabulary "sheet" through a preset model, and the "sheet" can be determined to be the surname of the user; the word three is subjected to semantic analysis through a preset model, and the three can be determined as the name of a user.

In this embodiment, the data to be used may be determined in a plurality of words with the target data type.

For example, assuming that the target data type is the user surname type and the plurality of words are "sheet" and "three", respectively, it may be determined that the data to be used is "sheet".

S308, processing at least one data to be used according to a processing mode of at least one target data type to obtain data to be filled.

According to the processing manner of the target data type, the data to be used is processed to obtain the implementation manner of the data to be filled, which can be referred to as S205, and will not be described herein.

S309, filling the data to be filled into the corresponding bits to be filled, and obtaining the target information.

In this embodiment, the target information may be obtained by filling all the bits to be filled corresponding to the filling values of the data to be filled.

S310, sending target information to the user equipment corresponding to the target account.

It should be noted that, the specific implementation of S310 may refer to S206, which is not described herein.

According to the information pushing method provided by the embodiment, the target account can be determined, account information of the target account and bill information of a preset bill can be obtained, an information template corresponding to a preset staged repayment mode can be obtained, the information template comprises template content and a plurality of to-be-filled bits, and filling configuration information corresponding to each to-be-filled bit can be determined; the method comprises the steps that a first data type set corresponding to account information and a second data type set corresponding to bill information can be obtained; determining selected information in account information and billing information according to each target data type, the first data type set and the second data type set; the data to be used corresponding to each target data type can be determined in the selected information; the corresponding data to be used can be processed according to the processing mode of each target data type to obtain data to be filled; the data to be filled can be filled into the corresponding bits to be filled to obtain target information, and the target information can be sent to the user equipment corresponding to the target account. In the method, the corresponding target information can be generated aiming at the target account, and the target information can be sent to the user equipment corresponding to the target account so as to promote the staged repayment service to the user. By the method, the staged repayment service can be accurately promoted to the user, and the promotion efficiency is improved. In addition, the target information invites the user to transact the staged repayment service, so that the invitation efficiency is improved, and the time cost and the labor cost are saved.

On the basis of any one of the embodiments, the information pushing system can also screen a plurality of accounts to obtain at least one target account, so that the information pushing range is more accurate and the information pushing effect is better. Next, a method of determining the target account will be described with reference to fig. 4.

Fig. 4 is a method for determining a target account according to an embodiment of the present application. The execution subject of the method can be an information pushing system or an information pushing device arranged in the information pushing system. The information pushing device can be realized by software, or can be realized by a combination of software and hardware. Referring to fig. 4, the method may include:

s401, determining a plurality of primary accounts, wherein the primary accounts are accounts to be paid on a preset date.

In this embodiment, the primary account may be determined from the accounts with the amount to be paid in the current payment cycle according to the account attribute, the account status, or the like.

The account attribute may be a primary account attribute or a secondary account attribute.

The account status may be normal or abnormal. For example, an account in an abnormal state may be a cancel account, a card transferred account, a close account, or a delete account.

In this embodiment, the account attribute of the primary account is a primary account attribute, and the account state of the primary account is a normal state.

Optionally, in another embodiment, the amount to be paid of the primary account is greater than or equal to a preset amount. For example, the preset amount may be three hundred yuan.

S402, determining a user identification, a historical stage indication and a historical bill indication of each primary account.

The user identification can be a user identification card number, a mobile phone number or the like of the user to which the primary account belongs.

The historical stage indication is used to indicate whether the account handles stage repayment during the historical period. For example, the historical stage indication may indicate that the primary account did not transact a stage payment service for a historical period of time, or the historical stage indication may indicate that the primary account transact a stage payment service for a historical period of time.

Optionally, the historical installment indication may also be used to indicate whether the account is transacting installments for a historical period. For example, the historical staging indication may indicate that the primary account did not transact an installment service for a historical period, or the historical staging indication may indicate that the primary account transact an installment service for a historical period.

The historical bill indication is used to indicate whether the account has a historical bill unrendered. For example, the historical bill indication may indicate that there is a historical bill unrendered for the primary account, or the historical bill indication may indicate that there is no unrendered historical bill for the primary account.

In this embodiment, the user identifier, the historical stage indication and the historical bill indication of each primary account may be determined according to the card number corresponding to the primary account.

S403, classifying the plurality of primary accounts according to the user identification of each primary account to obtain a plurality of account sets, wherein the user identifications of the accounts in the account sets are the same.

Specifically, all primary accounts may be classified by user identification, and primary accounts with the same user identification may be assigned to the same account set.

That is, for any one user, all of the user's primary accounts may be assigned to the same set of accounts, and different users' primary accounts may be assigned to different sets of accounts.

S404, judging whether the number of the primary accounts in the account set is one according to any account set.

If yes, executing S405;

if not, S406 is performed.

S405, determining one primary account as a target account.

In this embodiment, for any one of the account sets, if one primary account exists in the account set, the primary account is determined to be the target account.

S406, determining the account type of each primary account in the account set according to the historical stage indication and the historical bill indication of each primary account in the account set.

In this embodiment, the account types may be transactor types, session types, and circulation types. Wherein, the liquid crystal display device comprises a liquid crystal display device,

an account of the transactor type refers to an account in which no installment payment service or no installment payment service is transacted for a history period, and no unrendered history bill exists.

The account of the installment type refers to an account in which an installment payment service is transacted in a history period or an installment payment service is transacted, and there is no unrefreshed history bill.

The recycling user type account refers to an account in which there is a history bill that has not been paid.

Specifically, the account type of each primary account may be determined according to the historical stage indication and the historical bill indication of each primary account, where the account type is a transactor type, a stage type, or a circulation type.

S407, determining a corresponding target account in the account set according to the account type of each primary account.

In this embodiment, the weight value of each primary account in the account set may be determined according to each account type; determining at least one account to be selected in the account set according to the weight value of each initial account in the account set, wherein the weight value of the account to be selected is highest; if the number of the accounts to be selected is 1, determining the accounts to be selected as target accounts; if the number of the candidate accounts is greater than 1, determining the candidate account with the highest repayment amount from the at least one candidate account as a target account.

In this embodiment, the order of the weight values of the account types from high to low may be: a circulation family type, a stage family type, and a transactor family type.

Specifically, for any account set, if the account set includes primary accounts of the circulation user type and the number of the primary accounts of the circulation user type is 1, the primary account of the circulation user type can be determined as a target account; if the account set includes the primary accounts of the circulation family type and the number of the primary accounts of the circulation family type is greater than 1, the account with the highest repayment amount (the repayment amount of the preset bill or the sum of the repayment amount of the preset bill and the historical unrevealed amount) in the primary accounts of the plurality of circulation family types can be determined as the target account.

If the account set includes the primary account of the stage user type and does not include the primary account of the circulation user type. If the number of the primary accounts of the stage user type is 1, determining the primary account of the stage user type as a target account; if the number of the primary accounts of the classified user types is greater than 1, the account with the highest repayment amount among the primary accounts of the classified user types can be determined as the target account.

If the account set only comprises the primary account of the transactor type. If the number of primary accounts in the account set is 1, the 1 primary accounts can be determined to be target accounts; if the number of the primary accounts in the account set is greater than 1, the account with the highest repayment amount in the plurality of primary accounts can be determined to be the target account.

The method for determining the target account provided by the embodiment can determine a plurality of primary accounts, and can determine the user identification, the historical stage indication and the historical bill indication of each primary account; the method comprises the steps that a plurality of primary accounts can be classified according to user identifications of the primary accounts to obtain a plurality of account sets; if one primary account exists in the account set, the primary account can be determined to be a target account; if a plurality of primary accounts exist in the account set, the account type of each primary account in the account set can be determined according to the historical stage indication and the historical bill indication of each primary account in the account set, and the corresponding target account can be determined in the account set according to the account type of each primary account. By the method, the target account can be accurately determined according to the popularization activity requirement, and the accuracy and the effectiveness of activity popularization are improved.

Fig. 5 is a schematic structural diagram of an information pushing device according to an embodiment of the present application. Referring to fig. 5, the information pushing device 10 includes: a determining module 11, an acquiring module 12, a generating module 13 and a transmitting module 14, wherein,

the determining module 11 is configured to determine a target account, where the target account is an account to be paid for a preset bill on a preset date;

the acquiring module 12 is configured to acquire account information of the target account and bill information of the preset bill;

the obtaining module 12 is further configured to obtain an information template corresponding to a preset staged payment manner, where the information template includes template content and a plurality of bits to be filled;

the determining module 11 is further configured to determine padding configuration information corresponding to each bit to be padded, where the padding configuration information includes at least one target data type and a processing manner of the at least one target data type;

the determining module 11 is further configured to determine, according to filling configuration information corresponding to each bit to be filled, the account information and the bill information, data to be filled corresponding to each bit to be filled;

the generating module 13 is configured to fill the data to be filled into the corresponding bits to be filled, so as to obtain target information;

The sending module 14 is configured to send the target information to a user device corresponding to the target account.

The information pushing device provided in this embodiment may be used to execute the information pushing method in the above method embodiment, and its implementation principle and technical effects are similar, and are not described here again.

In one possible implementation, for any one bit to be filled; the determining module 11 is specifically configured to:

In one possible implementation, for any one target data type; the determining module 11 is specifically configured to:

In one possible implementation, the determining module 11 is specifically configured to:

Fig. 6 is a schematic hardware structure of an information push device according to an embodiment of the present application. Referring to fig. 6, the information push device 20 may include: a processor 21 and a memory 22, wherein the processor 21 and the memory 22 may communicate; illustratively, the processor 21 and the memory 22 communicate via a communication bus 23, the memory 22 for storing computer-executable instructions, and the processor 21 for invoking the computer-executable instructions in the memory to perform the information push method as shown in any of the method embodiments described above.

Optionally, the information push device 20 may further comprise a communication interface, which may comprise a transmitter and/or a receiver.

Alternatively, the processor may be a central processing unit (Central Processing Unit, CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present application may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.

The present application provides a computer-readable storage medium having stored thereon computer-executable instructions; the computer-implemented instructions are configured to implement the information push method according to any of the embodiments described above.

An embodiment of the present application provides a computer program product including a computer program which, when executed, causes a computer to execute the above-described information push method.

All or part of the steps for implementing the method embodiments described above may be performed by hardware associated with program instructions. The foregoing program may be stored in a readable memory. The program, when executed, performs steps including the method embodiments described above; and the aforementioned memory (storage medium) includes: read-only memory (ROM), RAM, flash memory, hard disk, solid state disk, magnetic tape, floppy disk, optical disk, and any combination thereof.

Embodiments of the present application are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processing unit of a general purpose computer, special purpose computer, embedded processor, or other programmable terminal device to produce a machine, such that the instructions, which execute via the processing unit of the computer or other programmable terminal device, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable terminal device to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable terminal device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer implemented process such that the instructions which execute on the computer or other programmable device provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various modifications and variations can be made to the embodiments of the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the embodiments of the present application fall within the scope of the claims and the equivalents thereof, the present application is also intended to include such modifications and variations.

In the present disclosure, the term "include" and variations thereof may refer to non-limiting inclusion; the term "or" and variations thereof may refer to "and/or". The terms "first," "second," and the like, herein, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. In the present application, "a plurality of" means two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.

Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains.

Claims

1. An information pushing method is characterized by comprising the following steps:

2. The method of claim 1, wherein for any bit to be filled; determining data to be filled corresponding to the bits to be filled according to filling configuration information corresponding to the bits to be filled, account information and bill information, including:

3. The method of claim 2, wherein for any one target data type; determining the data to be used corresponding to the target data type in the account information and/or the bill information, wherein the data to be used comprises the following steps:

4. The method of claim 3, wherein determining selected information from the account information and the billing information based on the target data type, the first set of data types, and the second set of data types comprises:

5. A method according to claim 3, wherein determining, in the selected information, data to be used corresponding to the target data type, comprises:

6. The method of any of claims 1-5, wherein determining the target account comprises:

7. The method of claim 6, wherein determining the target account among the plurality of primary accounts based on the user identification, the historical stage indication, and the historical billing indication for each primary account comprises:

8. The method of claim 7, wherein determining a corresponding target account in the set of accounts based on the historical stage indication and the historical billing indication for each primary account in the set of accounts comprises:

9. The method of claim 8, wherein determining a corresponding target account in the set of accounts based on the account type of each primary account comprises:

10. An information pushing device, characterized in that the information pushing device comprises: the device comprises a determining module, an acquiring module, a generating module and a transmitting module, wherein,

11. An information pushing apparatus, characterized by comprising: a processor, and a memory communicatively coupled to the processor;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 9.

12. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 9.

13. A computer program product comprising a computer program which, when executed by a processor, implements the method of any one of claims 1 to 9.