Method for sending red envelope in combination with standard reaching model, storage medium and terminal

Abstract

The invention provides a method for sending a red envelope in combination with a standard reaching model, a storage medium and a terminal. The method comprises the following steps: the step 1, monitoring transaction information of communication with a bank party; the step 2, acquiring corresponding customer information according to the transaction information; the step 3, obtaining client states and consumption records of clients according to the client information, wherein the client states comprise various activities participated by the clients; the step 4, judging whether the client participates in the activity configured by the bank according to the client state, if so, entering step 5, and if not, reminding the client that the client does not participate in the activity; and the step 5, setting the gradient of the standard model through an XGboot algorithm, and sending red envelopes of different amounts to clients of different gradients according to consumption records of the clients in combination with the standard model. Marketing activities and data can be managed in an all-around and full-period mode, the requirements of the clients can be accurately and rapidly responded to, and meanwhile the marketing cost is reduced.

Description

technical field [0001] The invention belongs to the technical field of communication, and in particular relates to a method, a storage medium, and a terminal for sending red envelopes combined with a standard-reaching model. Background technique [0002] Precision marketing is to establish a personalized customer communication service system on the basis of precise positioning and rely on modern information technology to realize the measurable and low-cost expansion of enterprises. [0003] With the rapid development of mobile payment technology, electronic red envelopes based on mobile payment have also emerged as the times require. At present, red envelopes are used for marketing. When red envelopes are sent, the amount received by users is relatively random, which affects user consumption and card use experience. Contents of the invention [0004] The present invention is made to solve the above problems, and the purpose is to provide a method, a storage medium, and a ...

AI Technical Summary

Problems solved by technology

At present, red envelopes are used for marketing. When red envelopes are sent, the amount received by users is relatively random, which affects user consumption and card use experience.

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