CN117973745A - Resource allocation method, device, equipment, medium and program product - Google Patents

Abstract

The disclosure provides a resource allocation method, a device, equipment, a medium and a program product, which can be applied to the technical field of information processing and the financial field. The method comprises the following steps: acquiring historical payment information of a plurality of users, wherein the historical payment information comprises historical resource use information; dividing a plurality of users into a plurality of target user sets according to the historical payment information; calculating the resource conversion ratio of each target user set according to the historical resource use information; and distributing the resources to be distributed according to the resource conversion ratio of the plurality of target user sets.

Description

Resource allocation method, device, equipment, medium and program product

Technical Field

The present disclosure relates to the field of information processing, and in particular, to a resource allocation method, apparatus, device, medium, and program product.

Background

In the process of using the terminal to pay, the payment platform recommends information such as rights and interests to the terminal of the user in order to increase the payment willingness of the user, promote the successful payment or increase the drainage of a third party service platform in the payment platform. For example, when the user pays, the payment is successful or the signing commission deduction is successful, the red packet is randomly issued, and the like. How to issue resources to users can improve the payment conversion rate of the users, so that the users can successfully complete the payment of the current transaction order at the maximum probability is a problem to be solved.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a resource allocation method, apparatus, device, medium, and program product.

According to a first aspect of the present disclosure, there is provided a resource allocation method, including: acquiring historical payment information of a plurality of users, wherein the historical payment information comprises historical resource use information; dividing a plurality of users into a plurality of target user sets according to the historical payment information; calculating the resource conversion ratio of each target user set according to the historical resource use information; and distributing the resources to be distributed according to the resource conversion ratio of the plurality of target user sets.

According to an embodiment of the present disclosure, dividing a plurality of users into a plurality of target user sets according to historical payment information includes: determining a plurality of payment level information according to the historical payment information; dividing a plurality of users into a plurality of candidate user sets according to user figures of the users, wherein the plurality of candidate user sets respectively represent different types of users; based on the plurality of payment level information and the plurality of candidate user sets, a plurality of users is determined as a plurality of target user sets.

According to an embodiment of the present disclosure, determining a plurality of users as a plurality of target user sets based on a plurality of payment level information and a plurality of candidate user sets, includes: and respectively carrying out secondary division on each candidate user set according to the plurality of payment level information to obtain a plurality of target user sets.

According to an embodiment of the present disclosure, determining a plurality of users as a plurality of target user sets based on a plurality of payment level information and a plurality of candidate user sets, includes: the plurality of target user sets are classified into a first category and a second category according to the identities of the plurality of users.

According to an embodiment of the present disclosure, calculating a resource conversion ratio of each target user set according to historical resource usage information includes: obtaining information to be processed in each target user set, wherein the information to be processed comprises payment times, a history resource issuing total value and a history resource using total value; and calculating the resource conversion ratio of each target user set according to the information to be processed.

According to an embodiment of the present disclosure, calculating a resource conversion ratio of each target user set according to information to be processed includes: respectively acquiring a weight value of each type of information in the information to be processed in a calculation resource conversion ratio; and calculating the resource conversion ratio of each target user set according to the weight value.

According to an embodiment of the present disclosure, the method further comprises: acquiring the latest payment information of a plurality of users; updating the resource conversion ratio of each target user set according to the latest payment information; and reallocating the remaining resources to be allocated according to the updated resource conversion ratio.

According to an embodiment of the present disclosure, calculating a resource conversion ratio of each target user set according to historical resource usage information includes: and respectively calculating the resource conversion ratio of each target user set in the first category and the second category according to the historical resource use information.

According to an embodiment of the present disclosure, allocating resources to be allocated according to resource conversion ratios of a plurality of target user sets includes: acquiring an allocation total value of resources to be allocated; determining the allocation value of the resources to be allocated of each target user set according to the resource conversion ratio of each target user set; and allocating the resources to be allocated according to the allocation value.

According to an embodiment of the present disclosure, the resources to be allocated include at least one of: coupons, payment packets, vouchers or discount coupons.

A second aspect of the present disclosure provides a resource allocation apparatus, comprising: the acquisition module is used for acquiring historical payment information of a plurality of users, wherein the historical payment information comprises historical resource use information; the dividing module is used for dividing the plurality of users into a plurality of target user sets according to the historical payment information; the calculation module is used for calculating the resource conversion ratio of each target user set according to the historical resource use information; and the allocation module is used for allocating the resources to be allocated according to the resource conversion ratio of the plurality of target user sets.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the resource allocation method described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described resource allocation method.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the above-described resource allocation method.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be more apparent from the following description of embodiments of the disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a resource allocation method, apparatus, device, medium, and program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a resource allocation method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a method of classifying a plurality of users into a plurality of target user sets based on historical payment information in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method of calculating resource conversion ratio values for each set of target users based on historical resource usage information in accordance with an embodiment of the present disclosure;

FIG. 5 schematically illustrates a flow chart of a method of calculating resource conversion ratio values for each set of target users based on information to be processed in accordance with an embodiment of the present disclosure;

fig. 6 schematically illustrates a flowchart of a method of allocating resources to be allocated according to an embodiment of the present disclosure;

FIG. 7 schematically illustrates a flow chart of a method of updating resource conversion ratio values in accordance with an embodiment of the present disclosure;

Fig. 8 schematically illustrates a block diagram of a resource allocation apparatus according to an embodiment of the present disclosure; and

Fig. 9 schematically illustrates a block diagram of an electronic device adapted to implement a resource allocation method according to an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and/or the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly formal manner.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a convention should be interpreted in accordance with the meaning of one of skill in the art having generally understood the convention (e.g., "a system having at least one of A, B and C" would include, but not be limited to, systems having a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the technical scheme of the invention, the related user information (including but not limited to user personal information, user image information, user equipment information, such as position information and the like) and data (including but not limited to data for analysis, stored data, displayed data and the like) are information and data authorized by a user or fully authorized by all parties, and the processing of the related data such as collection, storage, use, processing, transmission, provision, disclosure, application and the like are all conducted according to the related laws and regulations and standards of related countries and regions, necessary security measures are adopted, no prejudice to the public welfare is provided, and corresponding operation inlets are provided for the user to select authorization or rejection.

In the process of using the terminal to pay, the payment platform recommends information such as rights and interests to the terminal of the user in order to increase the payment willingness of the user, promote the successful payment or increase the drainage of a third party service platform in the payment platform. For example, when the user pays, the payment is successful or the signing commission deduction is successful, the red packet is randomly issued, and the like. The amount of the red packet is random, and the use rate of the red packet is not high. How to issue resources to users can improve the payment conversion rate of the users, so that the users can successfully complete the payment of the current transaction order at the maximum probability is a problem to be solved.

In view of this, an embodiment of the present disclosure provides a resource allocation method, including: acquiring historical payment information of a plurality of users, wherein the historical payment information comprises historical resource use information; dividing a plurality of users into a plurality of target user sets according to the historical payment information; calculating the resource conversion ratio of each target user set according to the historical resource use information; and distributing the resources to be distributed according to the resource conversion ratio of the plurality of target user sets.

Fig. 1 schematically illustrates an application scenario diagram of a resource allocation method, apparatus, device, medium and program product according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include a network 104 for use at terminal devices 101, 102, 103 and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) may be installed on the terminal devices 101, 102, 103.

The terminal devices 101, 102, 103 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using the terminal devices 101, 102, 103. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that, the resource allocation method provided by the embodiments of the present disclosure may be generally performed by the server 105. Accordingly, the resource allocation device provided by the embodiments of the present disclosure may be generally disposed in the server 105. The resource allocation method provided by the embodiments of the present disclosure may also be performed by a server or a server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102, 103 and/or the server 105. Accordingly, the resource allocation apparatus provided by the embodiments of the present disclosure may also be provided in a server or a server cluster different from the server 105 and capable of communicating with the terminal devices 101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The resource allocation method of the disclosed embodiment will be described in detail below with reference to fig. 2 to 7 based on the scenario described in fig. 1.

Fig. 2 schematically illustrates a flow chart of a resource allocation method according to an embodiment of the present disclosure.

As shown in fig. 2, the resource allocation method of this embodiment includes operations S210 to S240.

In operation S210, historical payment information of a plurality of users is acquired, wherein the historical payment information includes historical resource usage information.

In some embodiments, the historical payment information may include: the user currently operates, records access to the page, clicks a button, and the page dwell time and payment amount. And recording the historical payment information of the user through the buried point.

In operation S220, the plurality of users are divided into a plurality of target user sets according to the historical payment information.

Illustratively, the plurality of users are classified according to the grade of the amount paid and the basic information of the users to form a plurality of target user sets.

In operation S230, a resource conversion ratio of each target user set is calculated according to the historical resource usage information.

In operation S240, the resources to be allocated are allocated according to the resource conversion ratio of the plurality of target user sets.

Wherein the resources to be allocated include at least one of: coupons, payment packets, vouchers or discount coupons.

For example, when the historical resource is a red package, the red package utilization rate of each group (target user set) in the payment process is calculated by recording the use condition of the red package of the user in the historical payment process, so as to obtain the resource conversion ratio of the red package. If the utilization rate of the red packets of a certain group is higher, namely the resource conversion ratio is larger, the ratio of the total number of the red packets in the certain group can be adjusted when the red packets are subsequently re-placed, and the release number of the red packets of the certain group is improved. Therefore, the red package is accurately issued, more payment is facilitated, and the viscosity between the payment product and the user is improved.

It can be understood that the plurality of users are divided into a plurality of sets (target user sets) according to the historical payment information, then the resource conversion ratio of each set is calculated according to the historical resource usage information, and finally the resource conversion ratio is used as the allocation proportion of the resources to be allocated to each set for allocation. The multiple sets are favorable for inducing users, and accurate distribution of resources is realized. Meanwhile, the behavior data (historical payment information) of the historical user is used as a basis of resource allocation prediction, so that accurate allocation of resources is realized, and the conversion efficiency of the resources at the user level is improved. The viscosity between the paid product and the user is improved.

Fig. 3 schematically illustrates a flow chart of a method of classifying a plurality of users into a plurality of target user sets based on historical payment information in accordance with an embodiment of the present disclosure.

As shown in fig. 3, the division of the plurality of users into the plurality of target user sets according to the history payment information of the embodiment includes operations S310 to S330.

In operation S310, a plurality of payment level information is determined according to the historical payment information.

In operation S320, the plurality of users are divided into a plurality of candidate user sets, which respectively characterize different types of users, according to user portraits of the users.

In some embodiments, the user profile includes gender, age, occupation, loan information, and deposit information of the user.

In operation S330, a plurality of users are determined as a plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets.

In some embodiments, determining the plurality of users as the plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets comprises: and respectively carrying out secondary division on each candidate user set according to the plurality of payment level information to obtain a plurality of target user sets.

Illustratively, according to the residence time of the user on the payment page and the payment amount, when the residence time of the user on the payment page exceeds 3-5 seconds (random), a payment red packet is issued, the payment amount can be divided into a plurality of grades (namely a plurality of payment levels), and the red packet can only be used for payment of the current project. Users were randomly divided into N shares. N=x pages with retention time of Y payment packets with a value of +1 (no payment of packets), such as 3 seconds of retention time, 1000-2000 yuan of payment amount, and 3 seconds of retention time; 2000-3000 yuan of payment amount, 4 seconds of stay time, 1000-2000 yuan of payment amount, and the like.

The user profile information is divided into M groups according to the user profile information such as age, sex and occupation, and m=age shift number, sex (male/female), occupation and other information. By combining the payment level information, the payment users can be divided into N x M groups, for example, the ages of 10-20 years, sex men and financial professions, and N groups according to the second point, and N x M groups in total.

Illustratively, the users may be divided into multiple sets of target users as follows:

a: after 20-30 years old, men, finance and technology professions and pages stay for 3 seconds, red packets are issued, and the payment amount is 500-1000;

B: after 20-30 years old, men, finance and technology professions and pages stay for 4 seconds, red packets are issued, and the payment amount is 1000-2000;

C: 20-30 years old, men, finance and technology professions, and does not issue red packets;

D: after 20-30 years old, women, teachers profession and pages stay for 3 seconds, red packets are issued, and the payment amount is less than 500;

E: after 20-30 years old, women, teachers, professions and pages stay for 5 seconds, red packets are issued, and the payment amount is 500-1000.

It should be noted that, the embodiment of the disclosure does not specifically limit the residence time and the grade of the payment amount, and may be set according to actual requirements. Meanwhile, the types of the groups divided according to the user portrait information are not particularly limited, and different groups can be set according to different information in the user portrait.

It can be understood that the users are finely classified according to the user portrait and the payment behavior data, so that the bank can know which group of users is active in the use condition of the red packet, the group can be inclined according to the proportion of the resource allocation in the subsequent resource allocation, the success of the payment service is promoted, and the accurate distribution of the resource allocation is realized.

In some embodiments, determining the plurality of users as the plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets comprises: the plurality of target user sets are classified into a first category and a second category according to the identities of the plurality of users.

Specifically, continuing with the above A, B, C, D and E sets of target users, sets A, B and C may be classified into a first category and sets D and E may be classified into a second category based on gender identification. When the resource allocation is performed, the first allocation of the resource can be performed for the first class and the second class, and then the second allocation of the resource is performed according to different sets in each class, so that the fine allocation of the resource is realized.

It should be noted that, the embodiment of the present disclosure does not specifically limit the type of the identifier, and different identifiers may be selected according to the actual application. For example, in other embodiments, professions may also be selected as the identification.

Fig. 4 schematically illustrates a flowchart of a method of calculating resource conversion ratio values for each set of target users based on historical resource usage information, in accordance with an embodiment of the present disclosure.

As shown in fig. 4, the calculation of the resource conversion ratio of each target user set according to the historical resource usage information of this embodiment includes operations S410 to S420.

In operation S410, information to be processed in each target user set is acquired, where the information to be processed includes a payment number, a history resource issuance total value, and a history resource usage total value.

In operation S420, a resource conversion ratio of each target user set is calculated according to the information to be processed.

Specifically, the first category (the sets A, B and C) is described as an example:

The total number of paid fees (payment times) in the set A is 50000, the number of red packages (total historical resource issuing value) is 10000, and the number of paid fees (total historical resource using value) caused by using red packages is 2000. The red envelope contributes to a transaction rate of 2000/50000=4% and a red envelope usage rate of 2000/10000=20%.

The total payment number in the set B is 40000, the distribution number of the red packets is 5000, and the payment number caused by using the red packets is 2000. The transaction rate of the red packet is 5% and the red packet utilization rate is 40%;

and (C) the total payment number of the red packets is 40000 because the red packets are not issued in the collection. The packet contribution trade rate is 0% and packet usage rate is 0%.

And calculating the resource conversion ratio of each set according to the data of the information of the three aspects of comprehensive payment times, the total history resource distribution value and the total history resource use value in each set.

In the initial stage of resource allocation, if there are T sets, the resource conversion ratio of each set is set to 1/T. With the increase of the number of resources utilized by the subsequent users, the resource conversion ratio can be updated periodically, and then the remaining resources are redistributed according to the updated resource conversion ratio.

In some embodiments, calculating the resource conversion ratio for each set of target users based on historical resource usage information includes: and respectively calculating the resource conversion ratio of each target user set in the first category and the second category according to the historical resource use information.

Specifically, when the class resource allocation is required, the payment times are the sum of the payment times in all sets in the first class and the second class, and the history resource allocation total value is the sum of the red packet allocation numbers in all sets in the first class and the second class. I.e., the denominator of the resource contributing transaction rate and the resource usage rate changes.

Fig. 5 schematically illustrates a flowchart of a method of calculating resource conversion ratio values for each set of target users based on information to be processed according to an embodiment of the present disclosure.

As shown in fig. 5, the calculation of the resource conversion ratio of each target user set according to the information to be processed in this embodiment includes operations S510 to S520.

In operation S510, a weight value of each type of information in the information to be processed in the calculation of the resource conversion ratio is obtained.

In operation S520, a resource conversion ratio of each target user set is calculated according to the weight value.

Specifically, the description will be continued taking the total payment account ratio calculated in the first category (the sets A, B and C) as an example, the package facilitating transaction rate and the package usage rate. The total payable count ratio, the package facilitating transaction rate and the package usage rate were configured to be 20%, 40% and 40%, respectively. The a aggregate resource conversion ratio is: (50000/130000) 20% +4/9 (packet contributing transaction rate) 40% +20/60 (packet usage rate) 40% = 0.39. The conversion ratio of the aggregate resources is as follows: (40000/130000) 20% +5/9 (packet rate) 40% +40/60 (packet rate) ×40% = 0.55. The conversion ratio of the C aggregate resources is as follows: (40000/130000) ×20% =0.06. From this, it can be seen that the users in set B are better for the application of the red pack in payment. Therefore, when the remaining resources of the sets A, B and C are allocated later, the number of the remaining red packets may be 0.39 to obtain the probability that the user in the set a condition issues the red packets. The number of remaining red packets may be 0.55 to obtain the probability that the user of the set B condition will issue a red packet. The number of remaining red packets may be 0.06 to obtain the probability that the user of the set C condition issued the red packet.

It can be understood that the weight value of each type of information can be set according to different application conditions, so that the method can be suitable for different application scenes. The applicability of the method is improved.

It should be noted that, in the embodiment of the present disclosure, the weight value of each type of information in the information to be processed in calculating the resource conversion ratio is not specifically limited, and the values of the three may be adjusted according to the actual application situation.

Fig. 6 schematically illustrates a flowchart of a method of allocating resources to be allocated according to an embodiment of the present disclosure.

As shown in fig. 6, the allocation of the resources to be allocated according to the resource conversion ratio of the plurality of target user sets in this embodiment includes operations S610 to S630.

In operation S610, an allocation total value of resources to be allocated is acquired.

In operation S620, an allocation value of the resources to be allocated of each target user set is determined according to the resource conversion ratio of the target user set.

In operation S630, the resources to be allocated are allocated according to the allocation value.

Specifically, when the resources are allocated, the resource conversion ratio is an allocation value of the resources, and the total value of the resources to be allocated is allocated proportionally according to the resource conversion ratio, namely, the allocation total value is multiplied by the resource conversion ratio to obtain the number of the resources to be allocated corresponding to each set. In practical application, the resource conversion ratio can also be used as a setting basis of the amount of the red package, for example, under the condition that the resource conversion ratio of a certain set is relatively large, the amount of the red package issued by the set can be properly increased, so that the use effect of the red package is better promoted.

Fig. 7 schematically illustrates a flow chart of a method of updating resource conversion ratio values in accordance with an embodiment of the present disclosure.

As shown in fig. 7, the resource allocation method of this embodiment includes operations S710 to S730.

In operation S710, latest payment information of a plurality of users is acquired.

In operation S720, the resource conversion ratio value of each target user set is updated according to the latest payment information.

In operation S730, the remaining resources to be allocated are reallocated according to the updated resource conversion ratio.

In some embodiments, the reallocation of the resources to be allocated is performed by periodically acquiring the latest payment information of the plurality of users, adding the latest payment information to the historical payment information of operation S210, and recalculating the resource conversion ratio of each target user set by the method.

It can be understood that the method can also update the resource conversion ratio in time and adjust the allocation of the resources in time. The method is favorable for better conversion of resources.

Based on the above resource allocation method, the present disclosure further provides a resource allocation device. The device will be described in detail below in connection with fig. 8.

Fig. 8 schematically illustrates a block diagram of a resource allocation apparatus according to an embodiment of the present disclosure.

As shown in fig. 8, the resource allocation apparatus 800 of this embodiment includes an acquisition module 810, a division module 820, a calculation module 830, and an allocation module 840.

The obtaining module 810 is configured to obtain historical payment information of a plurality of users, where the historical payment information includes historical resource usage information. In an embodiment, the obtaining module 810 may be configured to perform the operation S210 described above, which is not described herein.

The dividing module 820 is configured to divide the plurality of users into a plurality of target user sets according to the historical payment information. In an embodiment, the dividing module 820 may be used to perform the operation S220 described above, which is not described herein.

The calculating module 830 is configured to calculate a resource conversion ratio of each target user set according to the historical resource usage information. In an embodiment, the calculating module 830 may be configured to perform the operation S230 described above, which is not described herein.

The allocation module 840 is configured to allocate the resources to be allocated according to the resource conversion ratio of the plurality of target user sets. In an embodiment, the allocation module 840 may be configured to perform the operation S240 described above, which is not described herein.

Any of the acquisition module 810, the partitioning module 820, the calculation module 830, and the allocation module 840 may be combined in one module to be implemented, or any of them may be split into multiple modules, according to embodiments of the present disclosure. Or at least some of the functionality of one or more of the modules may be combined with, and implemented in, at least some of the functionality of other modules. According to embodiments of the present disclosure, at least one of the acquisition module 810, the partitioning module 820, the calculation module 830, and the allocation module 840 may be implemented, at least in part, as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware, such as any other reasonable way of integrating or packaging the circuits, or in any one of or a suitable combination of three of software, hardware, and firmware. Or at least one of the acquisition module 810, the partitioning module 820, the calculation module 830, and the allocation module 840 may be at least partially implemented as computer program modules which, when executed, perform the corresponding functions.

Fig. 9 schematically illustrates a block diagram of an electronic device adapted to implement a resource allocation method according to an embodiment of the disclosure.

As shown in fig. 9, an electronic device 900 according to an embodiment of the present disclosure includes a processor 901 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. The processor 901 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. Processor 901 may also include on-board memory for caching purposes. Processor 901 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other by a bus 904. The processor 901 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the program may be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the disclosure, the electronic device 900 may also include an input/output (I/O) interface 905, the input/output (I/O) interface 905 also being connected to the bus 904. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 908 including a hard disk or the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on the drive 910 so that a computer program read out therefrom is installed into the storage section 908 as needed.

The present disclosure also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement methods in accordance with embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this disclosure, a computer-readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, the computer-readable storage medium may include ROM 902 and/or RAM 903 and/or one or more memories other than ROM 902 and RAM 903 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowcharts. The program code, when executed in a computer system, causes the computer system to implement the item recommendation method provided by embodiments of the present disclosure.

The above-described functions defined in the system/apparatus of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

In one embodiment, the computer program may be based on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed, and downloaded and installed in the form of a signal on a network medium, via communication portion 909, and/or installed from removable medium 911. The computer program may include program code that may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 909 and/or installed from the removable medium 911. The above-described functions defined in the system of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, devices, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

According to embodiments of the present disclosure, program code for performing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, such computer programs may be implemented in high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. Programming languages include, but are not limited to, such as Java, c++, python, "C" or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that the features recited in the various embodiments of the disclosure and/or in the claims may be provided in a variety of combinations and/or combinations, even if such combinations or combinations are not explicitly recited in the disclosure. In particular, the features recited in the various embodiments of the present disclosure and/or the claims may be variously combined and/or combined without departing from the spirit and teachings of the present disclosure. All such combinations and/or combinations fall within the scope of the present disclosure.

The embodiments of the present disclosure are described above. These examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the embodiments cannot be used advantageously in combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the disclosure, and such alternatives and modifications are intended to fall within the scope of the disclosure.

Claims (14)

1. A resource allocation method, comprising:

acquiring historical payment information of a plurality of users, wherein the historical payment information comprises historical resource use information;

Dividing the plurality of users into a plurality of target user sets according to the historical payment information;

Calculating the resource conversion ratio of each target user set according to the historical resource use information;

and distributing the resources to be distributed according to the resource conversion ratio of the target user sets.

2. The method of claim 1, wherein classifying the plurality of users into a plurality of target user sets based on the historical payment information, comprises:

Determining a plurality of payment level information according to the historical payment information;

Dividing the plurality of users into a plurality of candidate user sets according to the user portraits of the users, wherein the plurality of candidate user sets respectively represent different types of users;

the plurality of users is determined to be a plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets.

3. The method of claim 2, wherein determining the plurality of users as a plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets comprises:

And respectively carrying out secondary division on each candidate user set according to the plurality of payment level information to obtain a plurality of target user sets.

4. The method of claim 2, wherein determining the plurality of users as a plurality of target user sets based on the plurality of payment level information and the plurality of candidate user sets comprises:

and classifying the plurality of target user sets into a first category and a second category according to the identifications of the plurality of users.

5. The method of claim 1, wherein said calculating a resource conversion ratio for each of said target user sets based on said historical resource usage information comprises:

Obtaining information to be processed in each target user set, wherein the information to be processed comprises payment times, a history resource issuing total value and a history resource using total value;

And calculating the resource conversion ratio of each target user set according to the information to be processed.

6. The method of claim 5, wherein calculating the resource conversion ratio of each of the target user sets based on the information to be processed comprises:

respectively acquiring a weight value of each type of information in the information to be processed in calculating the resource conversion ratio;

and calculating the resource conversion ratio of each target user set according to the weight value.

7. The method of claim 1, wherein the method further comprises:

acquiring the latest payment information of a plurality of users;

updating the resource conversion ratio of each target user set according to the latest payment information;

and reallocating the remaining resources to be allocated according to the updated resource conversion ratio.

8. The method of claim 4, wherein said calculating a resource conversion ratio for each of said target user sets based on said historical resource usage information comprises:

and respectively calculating the resource conversion ratio of each target user set in the first category and the second category according to the historical resource use information.

9. The method of claim 1, wherein allocating the resources to be allocated according to the resource conversion ratio of the plurality of the target user sets comprises:

acquiring an allocation total value of resources to be allocated;

Determining the allocation value of the resources to be allocated of each target user set according to the resource conversion ratio of each target user set;

And distributing the resources to be distributed according to the distribution value.

10. The method of claim 1, wherein the resources to be allocated comprise at least one of: coupons, payment packets, vouchers or discount coupons.

11. A resource allocation apparatus, comprising:

the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring historical payment information of a plurality of users, and the historical payment information comprises historical resource use information;

The dividing module is used for dividing the plurality of users into a plurality of target user sets according to the historical payment information;

the calculation module is used for calculating the resource conversion ratio of each target user set according to the historical resource use information; and

And the allocation module is used for allocating the resources to be allocated according to the resource conversion ratio of the plurality of target user sets.

12. An electronic device, comprising:

one or more processors;

Storage means for storing one or more programs,

Wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-10.

13. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method according to any of claims 1 to 10.

14. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 10.