CN118365437A - Method, device, equipment and medium for generating card recommendation information for bank card - Google Patents
Method, device, equipment and medium for generating card recommendation information for bank card Download PDFInfo
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Abstract
The present disclosure provides a method for generating card recommendation information for a bank card, which can be used in the technical field of big data, and the method includes: responding to the verification information verification passing instruction of the target user, and acquiring user bank card information and current payment information of the target user; generating a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and generating the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list. A device for generating the card recommendation information for the bank card, the electronic equipment and the storage medium are also provided.
Description
Technical Field
The present disclosure relates to the field of big data technologies, and more particularly, to a method, an apparatus, an electronic device, a computer readable storage medium, and a computer program product for generating card recommendation information for a bank card.
Background
With the development of internet economy, the competition among merchants is more and more vigorous, so that in order to attract users, when the users pay by using different bank cards, different merchants can attract and expand market share by providing rewards such as point rewards, time-limited discounts, discount coupons and the like and based on the preferential activities, the users can enjoy preferential effects of different degrees during payment. However, due to the fact that the preferential strategies of different cards are different, when a user pays by adopting different bank cards, preferential forces among different bank cards cannot be effectively compared, the optimal preferential strategy cannot be accurately determined, and the user experience is reduced.
Disclosure of Invention
In view of the above problems, the present disclosure provides a method, an apparatus, an electronic device, a readable storage medium, and a computer program product for generating card recommendation information for a bank card, which can generate card recommendation information for a bank card of a target user for current payment information according to current payment conditions of the target user, provide maximum benefits for the user, and improve use experience of the user.
One aspect of the present disclosure provides a method for generating card recommendation information for a bank card, including but not limited to: responding to the verification information verification passing instruction of the target user, and acquiring user bank card information and current payment information of the target user; generating a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and generating the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list.
In some embodiments of the present disclosure, generating the target bank card preference information list according to the user bank card information, the current payment information, and preset bank card database information includes: determining user bank card preferential information associated with each bank card of the target user at least according to the user bank card information and the current payment information; determining preset bank card preferential information associated with each bank card in the preset bank card database according to the current payment information and preset bank card information in the preset bank card database information; and generating a target bank card preferential information list according to the user bank card preferential information and the preset bank card preferential information.
In some embodiments of the present disclosure, generating a target bank card offer information list according to the user bank card offer information and the preset bank card offer information includes: converting the user bank card preferential information to generate a user bank card preferential value of each bank card of the target user; converting the preset bank card preferential information to generate preset bank card preferential values of each bank card in the preset bank card database; and based on the user bank card preferential value and the preset bank card preferential value, descending order of the user bank card preferential information and the preset bank card preferential information is arranged, and a target bank card preferential information list is generated.
In some embodiments of the present disclosure, determining user bank card preference information associated with each of the bank cards possessed by the target user based at least on the user bank card information and the current payment information includes: determining user bank card preference information associated with each bank card of the target user according to the user bank card information, the current payment information and user information, wherein the user information comprises: at least one of user consumption information, user habit information, user asset information, user location information, and user attribute information.
In some embodiments of the present disclosure, generating the bank card recommendation information of the target user for the current payment information according to the target bank card preference information list includes: determining target bank card information associated with each target bank card preference information according to the target bank card preference information list; and screening the target bank card information according to the current payment information to generate the card recommendation information for the bank card.
In some embodiments of the disclosure, the method further comprises: and judging a determination object of the target bank card information, wherein the determination object comprises user bank card preferential information and preset bank card preferential information, and recommending the target bank card information to the target user if the target bank card information is determined based on the preset bank card preferential information.
In another aspect of the present disclosure, there is provided a device for generating card recommendation information for a bank card, including but not limited to: the response module is configured to respond to the instruction that the verification information of the target user passes through to obtain the user bank card information and the current payment information of the target user; the first generation module is configured to generate a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and the second generation module is configured to generate the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list.
In some embodiments of the present disclosure, the first generation module includes a first generation sub-module configured to: determining user bank card preferential information associated with each bank card of the target user at least according to the user bank card information and the current payment information; determining preset bank card preferential information associated with each bank card in the preset bank card database according to the current payment information and preset bank card information in the preset bank card database information; and generating a target bank card preferential information list according to the user bank card preferential information and the preset bank card preferential information.
In some embodiments of the present disclosure, the first generation sub-module includes a processing module configured to: converting the user bank card preferential information to generate a user bank card preferential value of each bank card of the target user; converting the preset bank card preferential information to generate preset bank card preferential values of each bank card in the preset bank card database; and based on the user bank card preferential value and the preset bank card preferential value, descending order of the user bank card preferential information and the preset bank card preferential information is arranged, and a target bank card preferential information list is generated.
In some embodiments of the present disclosure, the first generation sub-module further comprises a determination sub-module configured to: determining user bank card preference information associated with each bank card of the target user according to the user bank card information, the current payment information and user information, wherein the user information comprises: at least one of user consumption information, user habit information, user asset information, user location information, and user attribute information.
In some embodiments of the present disclosure, the second generation module includes a second generation sub-module configured to: determining target bank card information associated with each target bank card preference information according to the target bank card preference information list; and screening the target bank card information according to the current payment information to generate the card recommendation information for the bank card.
In some embodiments of the present disclosure, the apparatus further comprises a recommendation module configured to: and judging a determination object of the target bank card information, wherein the determination object comprises user bank card preferential information and preset bank card preferential information, and recommending the target bank card information to the target user if the target bank card information is determined based on the preset bank card preferential information.
In another aspect of the present disclosure, there is provided an electronic device including: one or more processors; storage means for storing one or more computer programs for execution by the one or more processors to implement the steps of the method according to the above.
In another aspect of the present disclosure, a computer readable storage medium is provided, on which a computer program is stored which, when being executed by a processor, implements the steps according to the method described above.
In another aspect of the present disclosure, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method according to the above.
According to the embodiment of the disclosure, the preferential situation which can be met by the target user under the condition of the current payment information is conveniently judged by acquiring the current payment information. And finally, generating card recommendation information for the bank card according to the target bank card preference information list, so that a target user can obtain the greatest preference under the current payment condition, and user experience is improved.
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 a schematic diagram of a system architecture to which a method of generating card recommendation information for a bank card of an embodiment of the present disclosure can be applied;
FIG. 2 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure;
fig. 3 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S220;
fig. 4 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S221;
fig. 5 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S223;
Fig. 6 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S230;
FIG. 7 is a flow chart schematically showing a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in determining an object of judgment of a target bank card;
fig. 8 schematically illustrates a block diagram of a generation apparatus of card recommendation information for a bank card according to an embodiment of the present disclosure; and
Fig. 9 schematically illustrates a block diagram of an electronic device 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 formulation similar to at least one of "A, B or C, etc." is used, in general such a formulation should be interpreted in accordance with the ordinary understanding of one skilled in the art (e.g. "a system with at least one of A, B or C" would include but not be limited to systems with 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.). The terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more features.
In the technical solution of the present disclosure, the related user information (including, but not limited to, user personal information, user image information, user equipment information, such as location information, etc.) and data (including, but not limited to, data for analysis, stored data, displayed data, etc.) are information and data authorized by the user or sufficiently authorized by each party, and the related data is collected, stored, used, processed, transmitted, provided, disclosed, applied, etc. in compliance with relevant laws and regulations and standards, necessary security measures are taken, no prejudice to the public order colloquia is provided, and corresponding operation entries are provided for the user to select authorization or rejection.
In the scenario of using personal information to make an automated decision, the method, the device and the system provided by the embodiment of the disclosure provide corresponding operation inlets for users, so that the users can choose to agree or reject the automated decision result; if the user selects refusal, the expert decision flow is entered. The expression "automated decision" here refers to an activity of automatically analyzing, assessing the behavioral habits, hobbies or economic, health, credit status of an individual, etc. by means of a computer program, and making a decision. The expression "expert decision" here refers to an activity of making a decision by a person who is specializing in a certain field of work, has specialized experience, knowledge and skills and reaches a certain level of expertise.
With the development of internet economy, the competition among merchants is more and more vigorous, so that in order to attract users, when the users pay by using different bank cards, different merchants can attract and expand market share by providing rewards such as point rewards, time-limited discounts, discount coupons and the like and based on the preferential activities, the users can enjoy preferential effects of different degrees during payment. However, due to the fact that the preferential strategies of different cards are different, when a user pays by adopting different bank cards, preferential forces among different bank cards cannot be effectively compared, the optimal preferential strategy cannot be accurately determined, and the user experience is reduced.
In order to solve the above-mentioned problems, embodiments of the present disclosure provide a method, an apparatus, an electronic device, a computer readable storage medium, and a computer program product for generating card recommendation information for a bank card of a target user for current payment information, which can generate the card recommendation information for the bank card of the target user for current payment information according to the current payment situation of the target user, provide the user with the greatest benefit, and improve the use experience of the user. The method includes, but is not limited to: responding to the verification information verification passing instruction of the target user, and acquiring user bank card information and current payment information of the target user; generating a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and generating the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list.
According to the embodiment of the disclosure, the preferential situation which can be met by the target user under the condition of the current payment information is conveniently judged by acquiring the current payment information. And finally, generating card recommendation information for the bank card according to the target bank card preference information list, so that a target user can obtain the greatest preference under the current payment condition, and user experience is improved.
Fig. 1 schematically illustrates a schematic diagram of a system architecture to which a method of generating card recommendation information for a bank card of an embodiment of the present disclosure can be applied. It should be noted that fig. 1 is only an example of a system architecture to which embodiments of the present disclosure may be applied to assist those skilled in the art in understanding the technical content of the present disclosure, but does not mean that embodiments of the present disclosure may not be used in other devices, systems, environments, or scenarios. It should be noted that, the method for generating the card recommendation information for the bank card provided by the embodiment of the present disclosure may be used in the big data technical field, the financial field in the relevant aspect of the big data field, and also may be used in any field other than the financial field, and the method and the device for generating the card recommendation information for the bank card provided by the embodiment of the present disclosure do not limit the application field.
As shown in fig. 1, an exemplary system architecture 100 to which a method of generating card recommendation information for a bank card may be applied may include terminal devices 101, 102, 103, a network 104, 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 mail client applications, file processing class applications, shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc., may be installed on the terminal devices 101, 102, 103, as just examples.
The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting functions of data input, file transmission, data analysis, data processing, web browsing, etc., including but not limited to smartphones, tablet computers, laptop and desktop computers, etc.
The server 105 may be a server providing various services, such as a background management server (by way of example only) providing support for a user to utilize data acquired by the terminal devices 101, 102, 103 or a browsed website. 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. The file or the like transmitted by the user may be analyzed or processed, and the terminal device may be controlled based on the processing result, for example, access to the terminal device may be restricted.
It should be noted that, the method for generating the card recommendation information for the bank card provided in the embodiment of the present disclosure may be generally executed by the terminal devices 101, 102, 103 and the server 105. Accordingly, the apparatus for generating card recommendation information for a bank card provided in the embodiments of the present disclosure may be generally provided in the terminal devices 101, 102, 103, and the server 105. The method for generating the card recommendation information for the bank card provided by the embodiment of the present disclosure may also be performed by a terminal device which is different from the terminal devices 101, 102, 103 and can communicate with the terminal devices 101, 102, 103. Accordingly, the apparatus for generating card recommendation information for a bank card provided by the embodiment of the present disclosure may also be provided in a terminal device different from the terminal devices 101, 102, 103 and capable of communicating with the terminal devices 101, 102, 103.
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 method of generating the card recommendation information for the bank card according to the embodiment of the present disclosure will be described in detail below with reference to fig. 2 to 7.
Fig. 2 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure.
As shown in fig. 2, a flowchart 200 of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure includes operations S210 to S230.
In operation S210, user bank card information and current payment information of the target user are acquired in response to an instruction that the authentication information of the target user passes.
In an embodiment of the present disclosure, the target user inputs authentication information on an application of the terminal device to achieve authentication of the target user. Including, for example, face information, fingerprint information, user password information, etc., for verifying the identity of the target user.
After receiving the verification information of the target user, verifying the verification information to confirm the identity of the target object. And after the verification information passes the verification, acquiring the user bank card information and the current payment information of the target user.
For example, the user bank card information refers to card number information of a bank card currently available to the target user, bank information to which the bank card belongs, a kind of the bank card, and the like.
For example, the current payment information refers to merchant information of the current payment, amount information of the current payment, geographical location information of the current payment, and the like, representing information content related to the current payment.
In the embodiment of the disclosure, the security of the user information can be ensured and risks such as information leakage and the like are avoided by acquiring the bank card information and the current payment information of the target user after the verification information of the target user passes.
In some embodiments of the present disclosure, before acquiring the user bank card information and the current payment information of the target user, an instruction for acquiring authorization is sent to the target user, after the authorization of the target user is obtained, the bank card information and the current payment information of the target user are acquired, and other information, such as user information of the target user, may also be acquired according to the authorization of the target user.
In operation S220, a target bank card preference information list is generated according to the user bank card information, the current payment information, and preset bank card database information including preset bank card information.
In some embodiments of the present disclosure, the preset bank card database information refers to preset information including bank card products of different banks, that is, preset bank card information. The preset bank card information comprises information such as the type of the preset bank card, the bank to which the preset bank card belongs, the charging condition of the preset bank card and the like.
In the embodiment of the disclosure, when the payment information of the target user is different, the different bank cards give different preferential information such as preferential ways, preferential strengths and the like based on the payment information of the target user, so as to meet the requirement that the target user can obtain the largest preferential effect under different payment information, the acquired preferential ways and preferential strengths of each bank card under the current payment information are determined from the user bank card information and preset bank card information included in preset bank card database information through the current payment information, and a target bank card preferential information list is generated. Therefore, the target user can obtain the maximum preference in the subsequent operation, so that the use experience of the target user is improved, and the promotion of different bank card businesses is satisfied.
The detailed process for operation S220 will be described in detail below in conjunction with fig. 3.
After operation S220, operation S230 is performed.
In operation S230, according to the target bank card preference information list, the bank card recommendation information of the target user for the current payment information is generated.
In the embodiment of the disclosure, after the target bank card coupon information list is determined, as the types, coupon modes and coupon strengths of the coupon information in the target bank card coupon information list are different, and meanwhile, the payment information of the target user at different moments is different, in order to meet the requirement of the current payment information of the target user, part of information in the target bank card coupon information list is screened, so that the card recommendation information for the bank card is generated, the card requirement of the target user is met, and meanwhile, the target user can obtain the maximum coupon under the current payment information.
In embodiments of the present disclosure, the bank card includes a memory card, a credit card, or other type of financial card.
Fig. 3 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S220.
As shown in fig. 3, operation S220 of the method of generating card recommendation information for a bank card according to the embodiment of the present disclosure includes operations S221 to S223.
In operation S221, user bank card preference information associated with each of the bank cards possessed by the target user is determined based at least on the user bank card information and the current payment information.
In an embodiment of the present disclosure, the user bank card information of the target user includes one or more bank cards of the target user. The current payment information has corresponding user bank card preference information for each bank card of the target user, for example, the preference information can comprise different preference modes, for example, the preference mode for the user bank card A is a return point; the preferential way for the user bank card B is discounted; the preferential way for the user's bank card C is cashback. The preferential information can comprise different preferential forces, and the returning points of the bank card A of the user are determined according to the payment amount in the payment information; the preferential discount mode aiming at the user bank card B is to determine discount parameters according to different set values when the payment amount in the payment information meets the set values; the cashback mode for the user bank card C is to determine the cashback number according to the payment amount in the payment information.
The user bank card preferential information associated with each bank card of the target user is determined, so that preferential conditions among different bank cards can be compared in subsequent operation, and one or more bank cards with the greatest preferential conditions can be selected for the target user to pay.
In operation S222, preset bank card preference information associated with each of the bank cards in the preset bank card database is determined according to the current payment information and preset bank card information in the preset bank card database information.
In an embodiment of the disclosure, the preset bank card information in the preset bank card database information has a plurality of bank cards, for example, including different banks, and the same bank also has different types of bank cards. In this embodiment, the bank cards of different banks may be used as different kinds of bank cards, and the bank cards of different types of the same bank may be used as different kinds of bank cards.
The current payment information has corresponding preset bank card preference information for each bank card corresponding to preset bank card information in preset bank card database information, for example, the preference information may include a preference mode and preference strength for the current payment information.
The preset bank card preferential information of each bank card corresponding to the preset bank card information is determined, so that preferential conditions which can be obtained by target users under the current payment information of different bank cards can be compared conveniently.
In operation S223, a target bank card preference information list is generated according to the user bank card preference information and the preset bank card preference information.
In the embodiment of the disclosure, the user bank card preferential information and the preset bank card preferential information are arranged and integrated to form a target bank card preferential information list with a certain ordering mode, so that the bank card recommended information meeting the requirements of a target user can be conveniently generated.
Fig. 4 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S221.
As shown in fig. 4, operation S221 of the method of generating card recommendation information for a bank card according to the embodiment of the present disclosure includes operation S2211.
In operation S2211, user bank card preference information associated with each bank card possessed by the target user is determined according to the user bank card information, current payment information, and user information, wherein the user information includes: at least one of user consumption information, user habit information, user asset information, user location information, and user attribute information.
In the embodiment of the disclosure, when the user bank card preferential information is determined, the user information of the target user is considered, so that the user can be better attracted, and the user viscosity is improved. For example, the preferential manner and the preferential strength in the preferential information of the user bank card are determined according to the user attribute information, the user bank card information and the current payment information in the user information. For example, if the user is a middle-aged or elderly user, the preferential manner can be to give the article, and the value of the giving article can be determined according to different bank cards and payment amounts of payment information. For example, if the user is young, the preferential mode can be cashback, and the cashback amount can be determined according to different bank cards and payment amounts of payment information.
According to the embodiment of the disclosure, the user bank card preferential information associated with each bank card possessed by the target user is determined according to the user bank card information, the current payment information and the user information. The requirements of different target users can be fully met, so that the optimal preferential conditions can be provided according to the user information of the target users, meanwhile, the problem of high preferential cost caused by adopting the uniform preferential conditions for all users can be avoided, namely, the optimal preferential conditions can be obtained from the perspective of the target users, and different preferential conditions can be adopted for different users from the perspective of merchants, so that the cost can be saved.
Fig. 5 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S223.
As shown in fig. 5, operation S223 of the method of generating card recommendation information for a bank card of the embodiment of the present disclosure includes operations S2231 to S2233.
In the embodiment of the disclosure, the user bank card preferential information and the preset bank card preferential information, because the preferential information comprises contents such as a preferential mode, preferential strength and the like, if the contents are displayed in front of a target user, the target user cannot accurately compare and compare, so that the required information cannot be accurately and effectively selected, and the conditions of poor user experience and incapability of obtaining optimal preferential are easily caused. In this regard, the above-described problem is avoided by operation S233.
In operation S2231, the user 'S bank card preference information is converted to generate a user' S bank card preference value for each of the bank cards possessed by the target user.
In operation S2232, the preset bank card preference information is converted to generate preset bank card preference values of each bank card in the preset bank card database.
In an embodiment of the present disclosure, the conversion process in operations S2231 and S2232 is to convert the coupon information into a unified value that can be directly compared. For example, when the discount mode is the return point, the discount available by the return point is converted into a specific amount, when the discount mode is the discount, the discount of the discount is converted into a specific amount, and when the discount mode is the return point, the specific amount is determined. The preferential information is converted into a unified value which can be compared, so that preferential conditions among different bank card preferential information are compared.
In operation S2233, the user 'S bank card preference information and the preset bank card preference information are arranged in descending order based on the magnitudes of the user' S bank card preference value and the preset bank card preference value, and a target bank card preference information list is generated.
In the embodiment of the disclosure, since the user bank card preference value and the preset bank card preference value are numerical values which can be directly compared, specific conditions of offers among different bank card preference information can be determined, and the target bank card preference information list is generated according to descending order, for example, the bank card preference information with the optimal preference condition (comprising the user bank card preference information and the preset bank card preference information) is arranged at the head of the queue, and the bank card preference information with the worst preference condition is arranged at the tail of the queue, so that the user can conveniently select.
Fig. 6 schematically illustrates a flowchart of a method of generating card recommendation information for a bank card according to an embodiment of the present disclosure in operation S230.
As shown in fig. 6, operation S230 of the method for generating card recommendation information for a bank card according to the embodiment of the present disclosure includes operations S231 to S232.
In operation S231, target bank card information associated with each target bank card offer information is determined according to the target bank card offer information list.
In an embodiment of the present disclosure, each target bank card offer information in the target bank card offer information list has associated target bank card information. Such as information including the information of the bank to which the bank card belongs, the card number information of the bank card, the type of the bank card, etc.
In operation S232, the target bank card information is screened according to the current payment information, and the card recommendation information for the bank card is generated.
In the embodiment of the disclosure, the current payment information may include unsupported target bank card information, which may cause a failure of payment for the payment information. And screening the target bank card information according to the current payment information, so that the information which does not meet the requirement is screened out, and the target bank card information in the generated bank card recommendation information can provide the optimal preferential for the target user and also meet the requirement of the current payment information.
Fig. 7 schematically illustrates a flowchart of a method for generating card recommendation information for a bank card according to an embodiment of the present disclosure in determining an object of determination of a target bank card.
As shown in fig. 7, the method for generating card recommendation information for a bank card according to the embodiment of the disclosure further includes a process 300 of determining an object of determination of a target bank card. The flow 300 includes operations S310 to S320.
In operation S310, a determination object of the target bank card information is determined, the determination object including user bank card preference information and preset bank card preference information.
In the embodiment of the disclosure, the target bank card information is determined according to the user bank card preference information or the preset bank card preference information, that is, the determination object of the target bank card information includes the user bank card preference information and the preset bank card preference information.
In operation S320, if the target bank card information is determined based on the preset bank card preference information, the target bank card information is recommended to the target user.
In the embodiment of the disclosure, if the target bank card information is determined based on the preset bank card preference information, it is indicated that the bank card information of the target user does not include the target bank card information, and the target bank card information can enable the target user to obtain the optimal preference under the current payment information. Therefore, the target bank card information is recommended to the target user, so that the target user can transact the corresponding bank card information according to the target bank card information.
In some embodiments of the present disclosure, the preset bank card information in the preset bank card database information is screened according to the user bank card information, so as to eliminate the bank card in the preset bank card database information, which is the same kind as the user bank card information, so as to avoid the problem of reduced information screening efficiency caused by repeated information.
Fig. 8 schematically shows a block diagram of a generation apparatus of card recommendation information for a bank card according to an embodiment of the present disclosure.
As shown in fig. 8, the apparatus 400 for generating the card recommendation information for the bank card includes a response module 401, a first generation module 402, and a second generation module 403.
The response module 401 is configured to obtain user bank card information and current payment information of the target user in response to an instruction that the verification information of the target user passes. In an embodiment, the response module 401 may be used to perform the operation S210 described above, which is not described herein.
The first generation module 402 is configured to generate a target bank card preference information list according to user bank card information, current payment information, and preset bank card database information, where the preset bank card database information includes preset bank card information. In an embodiment, the first generating module 402 may be used to perform the operation S220 described above, which is not described herein.
The second generating module 403 is configured to generate, according to the target bank card preference information list, the bank card recommendation information of the target user for the current payment information. In an embodiment, the second generating module 403 may be configured to perform the operation S230 described above, which is not described herein.
In some embodiments of the present disclosure, the first generation module includes a first generation sub-module configured to: determining user bank card preferential information associated with each bank card of the target user at least according to the user bank card information and the current payment information; determining preset bank card preferential information associated with each bank card in the preset bank card database according to the current payment information and preset bank card information in the preset bank card database information; and generating a target bank card preferential information list according to the user bank card preferential information and the preset bank card preferential information.
In some embodiments of the present disclosure, the first generation sub-module includes a processing module configured to: converting the user bank card preferential information to generate a user bank card preferential value of each bank card of the target user; converting the preset bank card preferential information to generate preset bank card preferential values of each bank card in the preset bank card database; and based on the user bank card preferential value and the preset bank card preferential value, descending order of the user bank card preferential information and the preset bank card preferential information is arranged, and a target bank card preferential information list is generated.
In some embodiments of the present disclosure, the first generation sub-module further comprises a determination sub-module configured to: determining user bank card preference information associated with each bank card of the target user according to the user bank card information, the current payment information and user information, wherein the user information comprises: at least one of user consumption information, user habit information, user asset information, user location information, and user attribute information.
In some embodiments of the present disclosure, the second generation module includes a second generation sub-module configured to: determining target bank card information associated with each target bank card preference information according to the target bank card preference information list; and screening the target bank card information according to the current payment information to generate the card recommendation information for the bank card.
In some embodiments of the present disclosure, the apparatus further comprises a recommendation module configured to: and judging a determination object of the target bank card information, wherein the determination object comprises user bank card preferential information and preset bank card preferential information, and recommending the target bank card information to the target user if the target bank card information is determined based on the preset bank card preferential information.
Any of the plurality of modules in response module 401, first generation module 402, and second generation module 403 may be combined in one module to be implemented, or any of the plurality of modules may be split into a plurality of 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 response module 401, the first generation module 402, and the second generation module 403 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 in 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 response module 401, the first generation module 402 and the second generation module 403 may be at least partly implemented as computer program modules which, when run, may perform the respective functions.
Fig. 9 schematically illustrates a block diagram of an electronic device according to an embodiment of the disclosure. The electronic device shown in fig. 9 is merely an example, and should not impose any limitations on the functionality and scope of use of embodiments of the present disclosure.
As shown in fig. 9, an electronic device 500 according to an embodiment of the present disclosure includes a processor 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. The processor 501 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. The processor 501 may also include on-board memory for caching purposes. The processor 501 may comprise a single processing unit or a plurality of processing units for performing different actions of the method flows according to embodiments of the disclosure.
In the RAM 503, various programs and data required for the operation of the electronic apparatus 500 are stored. The processor 501, ROM 502, and RAM 503 are connected to each other by a bus 504. The processor 501 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 502 and/or the RAM 503. Note that the program may be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 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 present disclosure, the electronic device 500 may also include an input/output (I/O) interface 505, the input/output (I/O) interface 505 also being connected to the bus 504. The electronic device 500 may also include one or more of the following components connected to the I/O interface 505: an input section 506 including a keyboard, a mouse, and the like; an output portion 507 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The drive 510 is also connected to the I/O interface 505 as needed. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as needed so that a computer program read therefrom is mounted into the storage section 508 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 502 and/or RAM 503 and/or one or more memories other than ROM 502 and RAM 503 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 perform the methods 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 501. 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, and/or installed from a removable medium 511 via the communication portion 509. 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 a network via the communication portion 509, and/or installed from the removable media 511. 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 501. 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 (10)
1. The method for generating the card recommendation information for the bank card is characterized by comprising the following steps of:
Responding to the verification information verification passing instruction of the target user, and acquiring user bank card information and current payment information of the target user;
generating a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and
And generating the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list.
2. The method of claim 1, wherein the step of determining the position of the substrate comprises,
Generating a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the target bank card preferential information list comprises the following steps:
determining user bank card preferential information associated with each bank card of the target user at least according to the user bank card information and the current payment information;
Determining preset bank card preferential information associated with each bank card in the preset bank card database according to the current payment information and preset bank card information in the preset bank card database information;
and generating a target bank card preferential information list according to the user bank card preferential information and the preset bank card preferential information.
3. The method of claim 2, wherein the step of determining the position of the substrate comprises,
Generating a target bank card preferential information list according to the user bank card preferential information and the preset bank card preferential information, wherein the target bank card preferential information list comprises:
converting the user bank card preferential information to generate a user bank card preferential value of each bank card of the target user;
Converting the preset bank card preferential information to generate preset bank card preferential values of each bank card in the preset bank card database;
and based on the user bank card preferential value and the preset bank card preferential value, descending order of the user bank card preferential information and the preset bank card preferential information is arranged, and a target bank card preferential information list is generated.
4. A method according to claim 2 or 3, characterized in that,
Determining user bank card preference information associated with each bank card of the target user at least according to the user bank card information and the current payment information, including:
Determining user bank card preference information associated with each bank card possessed by the target user according to the user bank card information, the current payment information and user information,
Wherein the user information includes: at least one of user consumption information, user habit information, user asset information, user location information, and user attribute information.
5. The method of claim 3, wherein the step of,
According to the target bank card preferential information list, generating the bank card recommendation information of the target user aiming at the current payment information, wherein the method comprises the following steps:
Determining target bank card information associated with each target bank card preference information according to the target bank card preference information list; and
And screening the target bank card information according to the current payment information to generate the card recommendation information for the bank card.
6. The method as recited in claim 5, further comprising:
Judging a determined object of the target bank card information, wherein the determined object comprises user bank card preferential information and preset bank card preferential information,
And if the target bank card information is determined based on the preset bank card preferential information, recommending the target bank card information to the target user.
7. A device for generating card recommendation information for a bank card, comprising:
the response module is configured to respond to the instruction that the verification information of the target user passes through to obtain the user bank card information and the current payment information of the target user;
The first generation module is configured to generate a target bank card preferential information list according to the user bank card information, the current payment information and preset bank card database information, wherein the preset bank card database information comprises preset bank card information; and
And the second generation module is configured to generate the card recommendation information for the bank card of the target user aiming at the current payment information according to the target bank card preferential information list.
8. An electronic device, comprising:
One or more processors;
storage means for storing one or more computer programs,
Characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1-6.
9. A computer-readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, realizes the steps of the method according to any one of claims 1-6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, realizes the steps of the method according to any one of claims 1-6.
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