Resource information configuration method and device
A resource information and configuration method technology, applied in the field of resource information configuration methods and devices, can solve problems such as low efficiency of incentive resource information configuration, low utilization rate, resource waste, etc., to improve configuration efficiency and utilization rate, improve user experience, The effect of improving accuracy
Pending Publication Date: 2022-07-22
BANK OF CHINA
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Problems solved by technology
At present, the bank directly allocates incentive resource information to all users in the bank user list, but some users do not use the incentive resource information after receiving it, resulting in waste of resources
However, for some users who have a higher demand for incentive resource information, it is impossible to obtain more incentive resource information. The current bank's incentive resource information allocation efficiency is low, the utilization rate is low, and the user experience is not good.
Method used
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[0024] In order to make the purposes, technical solutions and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.
[0025] The term "and / or" in this paper only describes an association relationship, which means that there can be three kinds of relationships, for example, A and / or B, which can mean: the existence of A alone, the existence of A and B at the same time, the existence of B alone. a situation. In addition, the term "at least one" herein refers to any combination of any one of the plurality or at least two of the plurality, for example, including at least one of A, B, and C, and may mean including from A, B, and C. Any one or more elements selected from the set of B an...
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The invention discloses a resource information configuration method and device, which can be used in the technical field of finance, and the method comprises the steps: obtaining the number of consumption times of a bank card of each user in a preset time period, the balance information of the bank card before each time of consumption, and the amount information of each time of consumption under the condition of user authorization; according to the bank card consumption times of each user in the preset time period, the bank card balance information before each consumption and the amount information of each consumption, calculating a consumption level prediction value of each user; clustering the consumption level predicted value of each user by adopting a K-means clustering algorithm, and determining a consumption level grade corresponding to each user according to a clustering result; and configuring corresponding incentive resource information for the user according to the consumption level grade corresponding to each user and pre-configured incentive resource information corresponding to each consumption level grade. The configuration efficiency and the utilization rate of the resource information can be improved, and the user experience is improved.
Description
technical field [0001] The present invention relates to the field of financial technology, and in particular, to a resource information allocation method and device. It should be noted that the resource information configuration method and device of the present invention can be used in the financial field, and can also be used in any field except the financial field, and the application field of the resource information configuration method and device of the present invention is not limited. Background technique [0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] Nowadays, most users choose multiple banks for fund management. In order to encourage users to consume and increase user stickiness, banks will allocate some incentive resource information (such as red envelopes, points, coupons, etc.) for users....
Claims
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IPC IPC(8): G06Q30/02G06K9/62
CPCG06Q30/0213G06F18/23213
Inventor 党娜刘洋李昊
Owner BANK OF CHINA