CN117950551A

CN117950551A - Mobile phone bank interface adjustment method and device

Info

Publication number: CN117950551A
Application number: CN202410135513.7A
Authority: CN
Inventors: 赵惊
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2024-01-31
Filing date: 2024-01-31
Publication date: 2024-04-30

Abstract

The application provides a mobile banking interface adjusting method and device, which are applied to a mobile banking terminal where mobile banking application is located, wherein the method comprises the following steps: acquiring using state information of mobile phone banking application, wherein the using state information is used for representing the current using requirement of a user on using the mobile phone banking application; based on the use state information, predicting operation demand information of a user for operating a mobile banking interface by using an operation prediction model deployed in a mobile banking application; and adjusting a target mobile phone bank interface currently output by the mobile phone bank application based on the operation demand information. The scheme of the application can improve the flexibility of interface display of mobile banking application and the convenience of operating the mobile banking interface by a user.

Description

Mobile phone bank interface adjustment method and device

Technical Field

The application relates to the technical field of display control, in particular to a mobile phone bank interface adjustment method and device.

Background

Mobile banking is also called mobile banking, and means that the mobile banking uses mobile terminals such as mobile phones or tablets as carriers, so that clients can use channel modes of banking services on the mobile terminals.

The application interface of the mobile phone bank displays service icons or service links and the like which can be operated by the user. On the basis, the user can obtain the business service related to the bank more conveniently by operating on the application interface of the mobile phone bank. However, the application interfaces output by the mobile phone banking at present belong to preset static pages, so that the display flexibility of the mobile phone banking interface is poor, and convenience in operating the mobile phone banking interface by a user is not facilitated.

Disclosure of Invention

The application provides a mobile phone banking interface adjustment method and device, which are used for improving the interface display flexibility of mobile phone banking application and improving the convenience of a user for operating a mobile phone banking interface.

In one aspect, the application provides a mobile banking interface adjustment method, which is applied to a mobile banking terminal where a mobile banking application is located, and comprises the following steps:

Acquiring the use state information of the mobile banking application, wherein the use state information is used for representing the use requirement of a user for using the mobile banking application currently;

Based on the using state information, predicting operation demand information of a user for operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application;

and adjusting a target mobile banking interface currently output by the mobile banking application based on the operation demand information.

In one possible implementation manner, the obtaining the usage status information of the mobile banking application includes at least one of:

obtaining transaction information of business transaction initiated by a user by utilizing the mobile banking application in a designated time before the current moment;

acquiring operation behavior data of a user on a mobile phone banking interface within a specified time before the current moment;

acquiring current equipment state information of a mobile banking terminal;

External environment information which influences the application use behavior of the mobile phone banking is obtained.

In yet another possible implementation manner, before predicting the operation requirement information of the user to operate the mobile banking interface by using the operation prediction model deployed in the mobile banking application, the method further includes:

if the user logs in the mobile banking application, obtaining user portrait information of the user;

based on the usage state information, predicting operation demand information of a user for operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application, including:

And based on the use state information and the user portrait information, predicting operation requirement information of a user for operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application.

In yet another possible implementation manner, the operation requirement information includes: a target function object which is expected to be operated on a mobile phone banking interface by a user;

the adjusting the current output target mobile phone banking interface of the mobile phone banking application based on the operation requirement information comprises the following steps:

And adjusting the layout state of the function items in the target mobile banking interface currently output by the mobile banking application so that the target function objects can be highlighted in the adjusted target mobile banking interface.

In another possible implementation manner, the adjusting the layout state of the functional item in the target mobile banking interface currently output by the mobile banking application includes:

If the target function object does not exist in the target mobile phone banking interface currently output by the mobile phone banking application, adding the target function object into a key information display area in the target mobile phone banking interface, or adding a target function object with a target display effect to the target mobile phone banking interface, wherein the target display effect is different from the display effect of other function objects except the target function object in the target mobile phone banking interface;

And if the target functional object exists in the target mobile phone banking interface, adjusting the current position of the target functional object to be in a key information display area in the target mobile phone banking interface, or adjusting the display effect of the target functional object to be the target display effect.

In yet another possible implementation manner, the method further includes, while predicting operation requirement information of a user for operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application:

Based on the using state information, predicting the interface background type of a mobile banking interface expected to be operated by a user by using an operation prediction model deployed in the mobile banking application;

The method for adjusting the layout state of the function items in the target mobile banking interface currently output by the mobile banking application comprises the following steps:

And adjusting the background style of the target mobile banking interface currently output by the mobile banking application based on the interface background type.

In yet another possible implementation manner, the method further includes:

And when the current model updating time is determined according to the model updating period, updating the operation prediction model based on historical use state information, wherein the historical use state information is the use state information obtained before the current time.

In still another aspect, the present application further provides a mobile banking interface adjustment device, applied to a mobile banking terminal where a mobile banking application is located, including:

The information acquisition unit is used for acquiring the use state information of the mobile banking application, wherein the use state information is used for representing the current use requirement of a user for using the mobile banking application;

The demand prediction unit is used for predicting operation demand information of a user for operating a mobile banking interface by utilizing an operation prediction model deployed in the mobile banking application based on the use state information;

And the interface adjusting unit is used for adjusting the current output target mobile banking interface of the mobile banking application based on the operation demand information.

In one possible implementation, the apparatus further includes:

The portrait acquisition unit is used for acquiring user portrait information of a user if the user logs in the mobile phone banking application before the operation demand information of the user for operating the mobile phone banking interface is predicted by the demand prediction unit;

The demand prediction unit is specifically configured to predict operation demand information of a user operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application based on the usage state information and the user portrait information.

In yet another possible implementation manner, the operation demand information predicted by the demand prediction unit includes: a target function object which is expected to be operated on a mobile phone banking interface by a user;

The interface adjustment unit includes:

The layout adjustment subunit is used for adjusting the layout state of the function item in the target mobile phone banking interface which is currently output by the mobile phone banking application, so that the target function object can be highlighted in the adjusted target mobile phone banking interface.

As can be seen from the above, in the embodiment of the present application, according to the usage status information of the mobile banking application, the operation demand information of the user that will execute the operation on the mobile banking interface in the following can be predicted by using the operation prediction model in the mobile banking application. Based on the operation demand information of the user, the mobile banking interface which is currently output by the mobile banking application is adjusted, so that the adjusted mobile banking interface is more suitable for the user to execute subsequent operations, and the convenience of the user in operating the mobile banking interface can be improved; in addition, by combining the operation requirement of the user, the personalized mobile banking interface can be provided for the user more flexibly, and the display flexibility of the mobile banking interface is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only embodiments of the present application, and other drawings may be obtained according to the provided drawings without inventive effort for a person skilled in the art.

Fig. 1 is a schematic flow chart of a mobile phone banking interface adjustment method according to an embodiment of the present application;

Fig. 2 is a schematic flow chart of another method for adjusting a mobile phone banking interface according to an embodiment of the present application;

Fig. 3 is a schematic diagram of a composition structure of a mobile banking interface adjusting device according to an embodiment of the present application.

Detailed Description

The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without any inventive effort, are intended to be within the scope of the application.

Fig. 1 is a schematic flow chart of a mobile banking interface adjustment method according to an embodiment of the present application, where the method of the present embodiment may be applied to a mobile banking terminal where a mobile banking application is located. The method of the embodiment can comprise the following steps:

s101, obtaining the use state information of the mobile banking application.

The use state information is used for representing the use requirement of the mobile phone banking application currently used by the user.

In the application, the use state information is information acquired by mobile banking application in real time.

The usage status information may be one or more of information related to a current status of the mobile banking application, a user of the mobile banking application, a scene where the mobile banking application is located, and the like, which is not limited.

For example, in one possible implementation, the usage status information may include at least one of:

transaction information of business transaction initiated by a user by utilizing the mobile banking application in a specified time before the current moment;

Operating behavior data of a user on a mobile phone banking interface within a specified time before the current moment;

the current equipment state information of the mobile banking terminal;

external environment information currently affecting the use behavior of mobile banking applications.

The transaction information of the business transaction initiated by the user can be transaction information related to the business such as transfer, payment or inquiry initiated by the user in the mobile banking application. For example, the transaction information of the transfer service may include information such as a transfer type, an amount of money, a transfer account, and a transfer account, which is not limited.

The operation behavior data can be information of related operations such as clicking, sliding and staying performed by the user in the mobile phone banking interface. For example, for clicking this operation behavior, the clicked operation behavior data may include one or several of information such as a click time at which the user clicks, a clicked function icon, and the number of times each function icon is clicked; the operation behavior of stopping may include the stopping time of the user's finger or other operation body on the page, the stopped icon, and other data information, and the data of other operation behaviors are similar, and will not be described herein.

The current device state information of the mobile banking terminal can be information which reflects the running state of the device, the network state and the environment of the mobile banking terminal. For example, the device status information may include, but is not limited to: the mobile phone banking terminal comprises equipment information such as equipment model and the like of the mobile phone banking terminal, the current network state (such as the accessed network type, network signal quality and the like) of the mobile phone banking terminal, the electric quantity of the mobile phone banking terminal, the current geographic position of the mobile phone banking terminal and the like.

The external environment information affecting the use behavior of the mobile banking application may be the current weather state, and quotation information related to financial transactions such as stocks and foreign exchange. The external environment information can be obtained by calling a designated interface of the server by the mobile banking application, and the method is not particularly limited.

It will be appreciated that this step may be performed when the user opens the mobile banking application, and during the use of the mobile banking by the user, and in practical applications, in order to be able to adjust the mobile banking interface of the mobile banking application in time, this step may be performed multiple times at multiple different times.

S102, based on the using state information, predicting operation requirement information of a user for operating a mobile banking interface by using an operation prediction model deployed in a mobile banking application.

The mobile phone banking interface refers to an application interface of mobile phone banking application.

The operation prediction model is a trained network model or a machine learning model capable of predicting the operation requirement of a user to be operated in a mobile banking interface.

For example, the operational prediction model may be a trained classifier, a regression model, a decision tree model, or the like, without limitation.

The operation prediction model can predict operation requirement information of an operation to be performed on a mobile phone banking interface next by a user based on the use state information. Based on the operation requirement information, the operation requirement information is used for representing the operation content to be executed by the user on the mobile phone banking interface.

For example, the operation requirement information may include an operation area that the user may operate in the mobile banking interface next, an operation type to be performed, queried service information, and a function object of a specific operation. The operation types may include transaction operations (e.g., transfer or payment, etc.), inquiry operations, and browsing operations, among others. The queried business information can be a product or service which needs to be queried, etc.

In an alternative manner, considering that a user performs a business operation in a mobile phone banking interface, generally, the operation such as related information query, page browsing or business transaction is completed by operating a business icon, a search bar or a functional object such as a link path of a certain product or service in the mobile phone banking interface, and therefore, in the present application, the predicted operation requirement information may at least include: the user desires a target function object to be operated on the mobile banking interface.

The target function object may be a function icon for implementing a service function, a link path to a corresponding page, or a search bar for implementing a query service function, etc.

Of course, the operation requirement information may be other possible, without limitation.

It can be appreciated that the operation prediction model can ensure the prediction accuracy after being trained. In order to further ensure the prediction accuracy of the operation prediction model, the application can also update the operation prediction model at the mobile banking terminal side periodically.

For example, when the current model update time is determined according to the model update period, the operation prediction model is updated based on the historical use state information. Wherein the historical usage state information is usage state information obtained before the current time.

The operation prediction model is updated by retraining the operation prediction model by using the historical use state information obtained in the last period of time on the basis of the operation prediction model, and the specific training process can adopt conventional supervised training without limitation.

For example, the historical usage status information may include operational behavior information that the user performs in the mobile banking application at different times. On the basis, a plurality of historical moments can be selected, each historical moment takes the operation behavior information executed by the user at the historical moment as the marking information corresponding to the historical use state information in a period of time before the historical moment. On the basis, the operation prediction model can be trained in a supervised mode based on the historical use state information and the labeling information thereof corresponding to each historical moment.

It is understood that the present application may perform this step S102 after each acquisition of the usage status information. In order to reduce the data processing amount, the step S102 may be executed when the user opens the mobile banking application or detects that there is a difference between the usage state information and the last acquired historical usage state information, considering that the user may execute a new operation when the usage state information changes due to the environmental information where the mobile banking terminal is located or the user executing a new operation in the mobile banking interface, etc.

In one possible implementation, in view of the fact that there may be some data in the usage status information of the mobile banking application that is biased or anomalous, the present application may also remove noise data from the usage status information before predicting the operational requirement information based on the usage status information. For example, abnormal data or data with obvious errors caused by misoperation of equipment or other reasons are removed due to network fluctuation of the mobile banking terminal.

Furthermore, in consideration of the fact that the using state information possibly has multiple types of data, the data expression forms are inconsistent, the meaning of the data expression is not obvious, and the method can normalize the using state information after noise removal. If, for example, a certain type of data in the usage status information belongs to the numerical type of data, the type of data can be directly normalized; if the data of a certain type in the using state information does not belong to the data of the numerical value type, the data of the different types can be mapped into the numerical value corresponding to the corresponding data meaning according to the data meaning of the different data of the type, and then the data of the type is normalized.

In practical application, in order to reflect the information features represented by the use state information more intuitively, the application can also extract the features of the use state information first, and then input the extracted features into the operation prediction model, without limitation.

S103, based on the operation demand information, the current output target mobile phone banking interface of the mobile phone banking application is adjusted.

It can be understood that the operation requirement information can reflect the operation that the user may execute in the mobile banking application in the next step, so that the mobile banking interface currently output by the mobile banking application is adjusted by combining the operation requirement information, so that the mobile banking interface is more suitable for executing the operation required in the next step of the user.

For example, by adjusting the mobile phone banking interface, the user can more intuitively and efficiently see the required operation object in the adjusted target mobile phone banking interface.

In one possible implementation, the adjustment of the target mobile banking interface may be to adjust a functional item layout state of the mobile banking interface. For example, one or more of the arrangement mode and the display effect of each functional object in the target mobile phone banking interface are adjusted. As another example, the number and variety of functional items presented in the target banking interface may also be increased or decreased, without limitation.

Further, if the operation requirement information includes: the user expects the target function object operated on the mobile phone banking interface, so that the layout state of the function item in the target mobile phone banking interface which is currently output by the mobile phone banking application can be adjusted, the target function object can be highlighted in the adjusted target mobile phone banking interface, the user can more intuitively see the target function object, and the target function object can be operated more efficiently and conveniently.

It can be understood that in the application, an operation prediction model is deployed in the mobile banking application, after the operation demand information of the user is predicted by using the operation prediction model, the mobile banking application can adjust the output mobile banking interface, so that the data calculation and the interface adjustment are implemented at the mobile banking terminal side, the related data processing required by the interface adjustment is implemented at the mobile banking terminal side based on the edge calculation technology, the time consumption required by transmitting the operation demand information to the server and obtaining the interface data is reduced, and the real-time performance of the mobile banking interface adjustment is reliably ensured.

In addition, as the use state information such as the user related data of the mobile banking application is not required to be transmitted to the server, the risk of leakage of the user data can be reduced, and the data security is improved.

According to the application, according to the use state information of the mobile banking application, the operation demand information of a user to be operated on a mobile banking interface can be predicted by using the operation prediction model in the mobile banking application. Based on the operation demand information of the user, the mobile banking interface currently output by the mobile banking application is adjusted, so that the adjusted mobile banking interface is more suitable for the user to execute subsequent operation behaviors, and the convenience and the high efficiency of the user in operation of the mobile banking interface can be improved; in addition, by combining the operation requirement of the user, the personalized mobile banking interface can be provided for the user more flexibly, and the display flexibility of the mobile banking interface is improved.

It will be appreciated that the present application may also obtain user portrayal information for a user if the user has logged into the mobile banking application. The user portrayal information may include: the gender, age, preference, history operation habit information on the mobile banking interface, etc. of the user are not limited.

It can be understood that the user portrait information can reflect the operation habit of the user operating the mobile phone banking interface in different scenes, and based on the operation habit, the application can also combine the user portrait information of the user and the obtained using state information of the mobile phone banking application, and predict the operation requirement information of the user operating the mobile phone banking interface by using the operation prediction model.

For example, the user profile information indicates that the user, at home, pays a credit card for a bank using a mobile banking application on a fixed date and after viewing the amount in the payroll card. Based on the user portrait information, if the date contained in the use state information is the fixed date and the geographic position is the user home, and the use state information indicates that the user views information such as the amount of money in the payroll card, the operation prediction model can be utilized to predict that the next operation of the user is the need of the credit card repayment operation on the mobile phone banking interface.

It can be understood that in practical applications, the requirements of the user on the background theme and the background style such as the background color of the mobile phone banking interface are different when the user uses the mobile phone banking application, the user performs operations in the mobile phone banking interface, and the like. Based on the information, the application can also utilize the operation prediction model deployed in the mobile banking application to predict the interface background type of the mobile banking interface expected to be operated by the user based on the use state information. The interface background type can represent the back style type of the mobile phone banking interface. The background style is different, and the interface theme, the color and other background elements of the mobile phone bank interface are different.

Correspondingly, the application adjusts the current output target mobile banking interface of the mobile banking application based on the operation demand information, and adjusts the background style of the current output target mobile banking interface of the mobile banking application based on the predicted interface background type.

The method for adjusting the mobile banking interface is described below by taking an implementation as an example.

Fig. 2 is a schematic flow chart of a mobile banking interface adjustment method according to an embodiment of the present application, where the method of the present embodiment may be applied to a mobile banking terminal where a mobile banking application is located. The method of the embodiment can comprise the following steps:

S201, obtaining the use state information of the mobile banking application.

The use state information is used for representing the use requirement of the user for using the mobile banking application currently.

The types of information that may be included in the usage status information may be referred to in the description of the foregoing embodiments, and will not be described herein.

S202, if the user logs in the mobile banking application, user portrait information of the user is obtained.

It can be understood that, in the process that the user registers information in the mobile banking application and uses the mobile banking application, the mobile banking application can obtain user attribute information and some operation habit data of the user under the condition that the user agrees, so that the mobile banking application can obtain the user portrait information of the user which is currently logged in under the condition that the user logs in the mobile banking application.

The information about the user, such as the usage status information and the user portrait information, obtained in the embodiment of the present application is legal data obtained through legal ways after the user agrees or is allowed.

S203, based on the use state information and the user portrait information, the operation prediction model deployed in the mobile banking application is utilized to predict the operation requirement information of the mobile banking interface operated by the user and the interface background type of the mobile banking interface expected to be operated by the user.

Wherein the operation requirement information includes: the user desires a target function object to be operated on the mobile banking interface.

For example, as described above, assuming that the user needs to pay a credit card using a mobile banking application next, the predicted operation requirement information indicates that the target function object that the user wants to operate is a credit card pay icon. Assuming that the user desires to view the financial information next, the target function object may be a link path, a link picture or an information presentation item, etc. of the financial consultation.

It may be appreciated that, in the embodiment of the present application, before executing step S203, noise removal and normalization may be performed on the usage status information, and then, based on the usage status information subjected to the noise removal and normalization and the obtained user portrait information, the operation requirement information of the user and the type of interface background desired by the user may be predicted by using the operation prediction model.

S204, adjusting the layout state of the function items in the target mobile phone banking interface currently output by the mobile phone banking application, so that the target function objects can be highlighted in the adjusted target mobile phone banking interface, and adjusting the background style of the target mobile phone banking interface based on the interface background type.

In the application, the realization mode of highlighting the target functional object can be possibly realized by adjusting the layout state of the functional item of the target mobile phone banking interface.

For example, in one possible implementation manner, if the target function object does not exist in the target mobile banking interface currently output by the mobile banking application, the target function object may be added to the key information display area in the target mobile banking interface, or a target function object with a target display effect may be added to the target mobile banking interface.

Of course, the target function object may be configured to have a target display effect while being added to the key information display area.

If the target function object exists in the target mobile phone banking interface, adjusting the target function object from the current position to the key information display area in the target mobile phone banking interface, or adjusting the display effect of the target function object to be the target display effect.

The target display effect is different from the display effect of other functional objects except the target functional object in the target mobile phone banking interface.

For example, the borders or icons of the target function objects are red and highlighted dynamic, while the borders or colors of the other function objects are black and static; or the area occupied by the target functional object is much larger than the area occupied by the other functional objects.

The key information display area of the target mobile phone banking interface is an area which is easier to be observed by a user in the target mobile phone banking interface. For example, the key information display area of the target mobile phone banking interface is a display area with a relatively front layout for displaying important reminding, or a display area marked by a specific color or key mark, which is not limited.

It can be understood that, in the case that the target mobile phone banking interface does not include the target function object that the user needs to operate, the target function object needs to be added to the target mobile phone banking interface, so that the user does not need to jump to other mobile phone banking interfaces to find the target function object. In addition, the target function object is added to the key information display area of the target mobile phone banking interface or is displayed by adopting the target display effect, so that a user can more intuitively see the target function object, and the user can more efficiently and conveniently operate the target function object.

In the adding of the target function object to the target mobile phone banking interface, some other function objects with less operation possibility of a user in the target mobile phone banking interface can be removed, or the occupied area of other function objects can be reduced, which is not limited.

If the target functional object exists in the target mobile phone banking interface, the arrangement mode of the functional items in the target mobile phone banking interface can be only adjusted, so that the target functional object can be more prominent, and a user can more intuitively see the target functional object.

The target function object is added to the target mobile phone banking interface, and the display position of the target function object is adjusted or the display effect is changed by reconstructing the target mobile phone banking interface, or by other modes, which is not limited.

According to the embodiment, the background style of the target mobile phone banking interface is adjusted based on the interface background type while the layout state of the functional items of the target mobile phone banking interface is adjusted, so that the adjusted background style of the target mobile phone banking interface accords with the habit of a user or the current operation behavior of the user.

For example, based on the use state information of the mobile phone banking application and the user portrait information, it is determined that the user is currently in an office place to perform financial business processing such as financial transfer, and then it can be determined that the background style suitable for the target mobile phone banking interface is the background of the business style.

In addition, compared with the traditional fixed interface, the mobile phone banking interface is dynamically updated based on the use state information such as geographic position change, user operation behaviors and the like, so that the mobile phone banking interface can attract the attention of users and promote the users to use mobile phone banking applications more frequently; moreover, more valuable information can be provided to the user more effectively: such as pushing preferential information and currency exchange rate related to geographic positions, actual convenience and value can be brought to users, and the viscosity of the users is further increased.

Corresponding to the mobile phone banking interface adjusting method provided by the application, the embodiment of the application also provides a mobile phone banking interface adjusting device.

Fig. 3 is a schematic diagram of a composition structure of a mobile banking interface adjustment device according to an embodiment of the present application, where the device is applied to a mobile banking terminal where a mobile banking application is located, and includes:

An information obtaining unit 301, configured to obtain usage status information of the mobile banking application, where the usage status information is used to characterize a current usage requirement of a user for using the mobile banking application;

the demand prediction unit 302 is configured to predict, based on the usage status information, operation demand information of a user for operating a mobile banking interface by using an operation prediction model deployed in the mobile banking application;

And the interface adjusting unit 303 is configured to adjust a target mobile banking interface currently output by the mobile banking application based on the operation requirement information.

In a possible implementation manner, the information obtaining unit includes at least one of the following:

the first information obtaining subunit is used for obtaining transaction information of service transactions initiated by the user by utilizing the mobile banking application in a specified time before the current moment;

the second information obtaining subunit is used for obtaining the operation behavior data of the user on the mobile phone banking interface in the appointed time before the current moment;

the third information obtaining subunit is used for obtaining the current equipment state information of the mobile banking terminal;

And the fourth information obtaining subunit is used for obtaining the external environment information which influences the use behavior of the mobile banking application currently.

In yet another possible implementation, the apparatus further includes:

Correspondingly, the demand prediction unit is specifically configured to predict operation demand information of a user operating a mobile phone banking interface by using an operation prediction model deployed in the mobile phone banking application based on the usage state information and the user portrait information.

correspondingly, the interface adjusting unit comprises:

Further, the layout adjustment subunit includes:

The first adjustment subunit is configured to add the target function object to a key information display area in the target mobile banking interface or add a target function object with a target display effect to the target mobile banking interface if the target function object does not exist in the target mobile banking interface currently output by the mobile banking application, where the target display effect is different from display effects of other function objects other than the target function object in the target mobile banking interface;

And the second adjusting subunit is used for adjusting the target function object from the current position to the key information display area in the target mobile phone banking interface or adjusting the display effect of the target function object to the target display effect if the target function object exists in the target mobile phone banking interface.

In yet another possible implementation manner, the apparatus may further include:

The background prediction unit is used for predicting the operation requirement information of a user for operating the mobile banking interface by using an operation prediction model deployed in the mobile banking application and predicting the interface background type of the mobile banking interface expected to be operated by the user by using the operation prediction model deployed in the mobile banking application based on the use state information;

The background adjusting unit is used for adjusting the background style of the target mobile phone banking interface currently output by the mobile phone banking application based on the interface background type while adjusting the target mobile phone banking interface currently output by the mobile phone banking application based on the operation demand information.

In yet another possible implementation, the apparatus further includes:

and the model updating unit is used for updating the operation prediction model based on historical use state information when the current model updating time is determined to be reached according to the model updating period, wherein the historical use state information is the use state information obtained before the current time.

It is to be understood that, in the present application, the terms "first," "second," "third," "fourth," and the like in the description and in the claims and the above figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in other sequences than those illustrated herein.

It should be noted that, in the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described as different from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other. Meanwhile, the features described in the embodiments in the present specification may be replaced with or combined with each other to enable those skilled in the art to make or use the present application. For the apparatus class embodiments, the description is relatively simple as it is substantially similar to the method embodiments, and reference is made to the description of the method embodiments for relevant points.

Finally, it is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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 an element.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application, which are intended to be comprehended within the scope of the present application.

Claims

1. The mobile banking interface adjusting method is characterized by being applied to a mobile banking terminal where a mobile banking application is located and comprising the following steps:

2. The method for adjusting a mobile banking interface according to claim 1, wherein the obtaining the usage status information of the mobile banking application includes at least one of:

acquiring current equipment state information of a mobile banking terminal;

3. The method for adjusting a mobile banking interface according to claim 1, further comprising, before predicting operation demand information for a user to operate the mobile banking interface using an operation prediction model deployed in the mobile banking application:

4. The mobile banking interface adjustment method according to claim 1, wherein the operation requirement information includes: a target function object which is expected to be operated on a mobile phone banking interface by a user;

5. The method for adjusting a mobile banking interface according to claim 4, wherein the adjusting the layout state of the functional items in the target mobile banking interface currently output by the mobile banking application includes:

6. The method for adjusting a mobile banking interface according to claim 4, wherein the method further comprises, while predicting operation demand information of a user for operating the mobile banking interface by using an operation prediction model deployed in the mobile banking application:

7. The mobile banking interface adjustment method according to claim 1, further comprising:

8. The mobile phone banking interface adjusting device is characterized by being applied to a mobile phone banking terminal where a mobile phone banking application is located, and comprising:

9. The mobile banking interface adjustment device according to claim 8, further comprising:

10. The mobile banking interface adjustment device according to claim 8, wherein the operation demand information predicted by the demand prediction unit includes: a target function object which is expected to be operated on a mobile phone banking interface by a user;

The interface adjustment unit includes: