Label-based user credit granting method and device, computer equipment and storage medium

Abstract

The invention relates to the technical field of user credit granting, in particular to a label-based user credit granting method and device, computer equipment and a storage medium. According to the invention, when the preset advertisement page is clicked, the user identifier of the target user and the putting account identifier corresponding to the preset advertisement page are obtained, and then the risk control strategy tag corresponding to the target user is determined according to the mapping relationship among the user identifier, the putting account identifier, the putting strategy tag and the risk control strategy tag. And determining the credit risk control strategy corresponding to the target user according to the risk control strategy label, determining the credit line granted to the target user according to the credit risk control strategy, and completing the credit granting of the target user, compared with the prior art, the credit granting of the user can be completed without obtaining the credit investigation data of the user, and the purpose of enriching the credit granting mode is achieved.

Description

Technical Field

[0001] The present invention relates to the technical field of user credit authorization, and in particular to a tag-based user credit authorization method, device, computer equipment, and storage medium. Background Art

[0002] With the rise of internet finance, traditional loan ads face challenges from homogeneous competition and rising customer acquisition costs. When a user clicks on a loan ad, it's often necessary to determine the loan amount they're eligible for, in order to increase the ad's conversion rate.

[0003] However, the traditional credit granting model usually relies on the user's credit data, that is, the loan amount that the user can be granted is determined based on the user's credit data. However, there is a problem of insufficient coverage of credit data. For example, users with no credit records, users who have payment behaviors but are not included in the credit system, etc., will not be able to determine the loan amount that the user can be granted based on the user's credit data. Therefore, the existing credit granting model has the problem of a relatively single credit granting method. Summary of the Invention

[0004] The embodiments of the present invention provide a tag-based user credit granting method, apparatus, computer equipment and storage medium to solve the problem that the existing credit granting model has a relatively single credit granting method.

[0005] A tag-based user credit granting method, comprising: When detecting that a preset advertisement page of a user terminal is clicked, obtaining a user identifier of a target user corresponding to the user terminal and a delivery account identifier corresponding to the preset advertisement page; According to the delivery account identifier, a first database is searched to obtain a delivery strategy tag corresponding to the delivery account identifier; the advertising delivery account delivers the preset advertising page according to the advertising delivery strategy corresponding to the delivery strategy tag; querying a second database according to the delivery strategy tag to obtain the risk control strategy tag corresponding to the delivery account identifier, and determining the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; According to the credit risk control strategy, the credit limit granted to the target user is determined, and the credit limit is sent to the user terminal for display.

[0006] Optionally, the tag-based user credit authorization method described above includes: when detecting that a preset advertisement page of a user terminal is clicked, obtaining a user ID of a target user corresponding to the user terminal and a delivery account ID corresponding to the preset advertisement page, and establishing a target association relationship between the user ID and the delivery account ID, including: When the target user clicks on a preset advertisement page, obtaining a click event identifier corresponding to a browse click event generated when the preset advertisement page is clicked and the user identifier, and establishing a first association relationship between the click event identifier and the user identifier; According to the click event identifier, obtaining the delivery account identifier of the advertisement delivery account corresponding to the preset advertisement page, and establishing a second association relationship between the delivery account identifier and the click event identifier; A target association relationship between the user identifier and the delivery account identifier is determined according to the first association relationship and the second association relationship.

[0007] In the above tag-based user credit authorization method, optionally, each time the target user clicks on the preset advertising page to generate the browse click event, the real-time click data, real-time exposure data, and real-time conversion data of the target user are extracted from the browse click event, and the real-time click data, real-time exposure data, and real-time conversion data are stored in a pre-established third database as the historical data of the target user; The credit risk control strategy includes: querying the third database according to the user identifier to obtain all historical data of the target user; Extracting the target user's historical click data, historical exposure data, and historical conversion data from the historical data; The historical click data, the historical exposure data, and the historical conversion data are input into a credit model to predict the credit limit.

[0008] In the above tag-based user credit authorization method, optionally, the user identifier is obtained in the following manner: Obtaining user information of the target user, wherein the user information includes one or more of mobile phone number, identity information, age information, and location information; A user identifier of the target user is generated according to the user information.

[0009] Optionally, the tag-based user credit authorization method includes querying the first database according to the delivery account identifier to obtain the delivery strategy tag of the advertising delivery account, including: Comparing the placement account identifier with the archived account identifier recorded in the first database; When the delivery account identifier is the same as the archive account identifier, the archive policy tag corresponding to the archive account identifier is determined to be the delivery policy tag.

[0010] In the above-mentioned tag-based user credit authorization method, optionally, the first database and the second database are the same database or different databases.

[0011] In the above-mentioned tag-based user credit authorization method, optionally, the advertisement delivery type of the preset advertisement page includes any one type or a combination of multiple types of text, audio, pattern and video.

[0012] A user credit authorization device based on a label, comprising: A first relationship establishing module is configured to, upon detecting that a preset advertisement page of a user terminal is clicked, obtain a user identifier of a target user corresponding to the user terminal and a delivery account identifier corresponding to the preset advertisement page, and establish a target association relationship between the user identifier and the delivery account identifier; A first label acquisition module is configured to query a first database according to the delivery account identifier to obtain a delivery strategy label corresponding to the delivery account identifier; the advertising delivery account delivers the preset advertising page using the advertising delivery strategy corresponding to the delivery strategy label; A first strategy matching module is configured to query a second database according to the delivery strategy tag, obtain the risk control strategy tag corresponding to the delivery account identifier, and determine the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; The first credit determination module is used to determine the credit limit granted to the target user according to the credit risk control strategy, and send the credit limit to the user terminal for display.

[0013] A computer device comprises a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements any of the above-mentioned tag-based user credit authorization methods when executing the computer program.

[0014] A computer-readable storage medium stores a computer program, wherein the computer program, when executed by a processor, implements any of the above-mentioned tag-based user credit authorization methods.

[0015] The present invention discloses a tag-based user credit granting method, apparatus, computer equipment, and storage medium. The method comprises the following steps: obtaining a user ID of a target user corresponding to the user terminal and a delivery account ID corresponding to the preset advertisement page when detecting that a preset advertisement page of a user terminal is clicked; querying a first database based on the delivery account ID to obtain a delivery strategy tag corresponding to the delivery account ID; querying a second database based on the delivery strategy tag to obtain a risk control strategy tag corresponding to the delivery account ID, and determining a credit risk control strategy corresponding to the target user based on a correlation between the risk control strategy tag and the target; and determining a credit limit granted to the target user based on the credit risk control strategy. As can be seen, the present invention obtains the user ID of the target user and the delivery account ID corresponding to the preset advertisement page when the preset advertisement page is clicked; then, based on a mapping relationship between the user ID, the delivery account ID, the delivery strategy tag, and the risk control strategy tag, the method determines a credit risk control strategy corresponding to the target user based on the risk control strategy tag; and then, based on the credit risk control strategy, determines a credit limit granted to the target user based on the credit risk control strategy, thereby completing credit granting to the target user. Compared with the prior art, credit granting to a user can be completed without obtaining the user's credit information data, thereby achieving the purpose of enriching credit granting methods. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0017] Figure 1 This is a flowchart of an implementation method of a tag-based user credit granting method disclosed in one embodiment of the present invention; Figure 2 This is a partial implementation flow chart of a tag-based user credit authorization method disclosed in one embodiment of the present invention; Figure 3 This is a partial implementation flow chart of a tag-based user credit authorization method disclosed in one embodiment of the present invention; Figure 4 This is a partial implementation flow chart of a tag-based user credit authorization method disclosed in one embodiment of the present invention; Figure 5 This is a partial implementation flow chart of a tag-based user credit authorization method disclosed in one embodiment of the present invention; Figure 6 This is a schematic structural diagram of a tag-based user credit authorization device disclosed in one embodiment of the present invention; Figure 7It is a structural diagram of a computer device disclosed in one embodiment of the present invention. DETAILED DESCRIPTION

[0018] In order to make the technical problems, technical solutions and beneficial effects solved by the present invention more clearly understood, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0019] The present invention discloses a tag-based user credit granting method, device, computer equipment and storage medium. The method comprises the following steps: when detecting that a preset advertisement page of a user terminal is clicked, obtaining a user identifier of a target user corresponding to the user terminal and a delivery account identifier corresponding to the preset advertisement page; querying a first database based on the delivery account identifier to obtain a delivery strategy tag corresponding to the delivery account identifier; querying a second database based on the delivery strategy tag to obtain a risk control strategy tag corresponding to the delivery account identifier, and determining a credit risk control strategy corresponding to the target user based on a correlation between the risk control strategy tag and the target; and determining a credit limit granted to the target user based on the credit risk control strategy. As can be seen, the present invention obtains the user identifier of the target user and the delivery account identifier corresponding to the preset advertisement page when the preset advertisement page is clicked, and then determines a risk control strategy tag corresponding to the target user based on a mapping relationship between the user identifier, the delivery account identifier, the delivery strategy tag and the risk control strategy tag, and determines a credit risk control strategy corresponding to the target user based on the risk control strategy tag, and then determines a credit limit granted to the target user based on the credit risk control strategy, thereby completing credit granting to the target user. Compared with the prior art, the present invention can complete credit granting to the user without obtaining the user's credit information data, thereby achieving the purpose of enriching credit granting methods. The following describes the invention through specific embodiments.

[0020] In one embodiment, Figure 1 As shown, a tag-based user credit authorization method is disclosed. The method is applicable to devices with data processing capabilities, such as mobile phones, laptops, personal computers, and servers. The method specifically includes the following steps: S101: When it is detected that a preset advertisement page of a user terminal is clicked, a user ID of a target user corresponding to the user terminal and a delivery account ID corresponding to the preset advertisement page are obtained, and a target association relationship between the user ID and the delivery account ID is established.

[0021] The target user's User Identifier (UID) refers to the user's identity when browsing a pre-set ad page and is used to track user behavior on this platform and / or across platforms. The Advertising Account ID refers to the advertising account ID that served the pre-set ad page.

[0022] In the digital finance sector, pre-configured advertising pages typically include lending and insurance advertising pages. When a user browses an application (APP) such as WeChat, QQ, or TikTok on a personal device like a mobile phone, tablet, or personal computer, there are often pre-configured advertising pages displayed during the target user's browsing process. When a user browses to and / or clicks on a pre-configured advertising page, it is necessary to obtain the target user's credit limit so that the target user can check their credit limit.

[0023] In a specific implementation, in this embodiment, when a preset advertising page on a user terminal is clicked by a target user, a corresponding browse click event is generated. Upon detecting the browse click event, it is determined that the preset advertising page on the user terminal has been clicked. The user ID of the target user corresponding to the user terminal and the delivery account ID corresponding to the preset advertising page are then obtained, and a target association relationship between the user ID and the delivery account ID is established. After the user terminal obtains the user ID of the target user and the delivery account ID corresponding to the preset advertising page, it transmits the user ID and delivery account ID to the backend server of the advertising delivery system, which then establishes a target association relationship between the user ID and the delivery account ID. This target association relationship can at least indicate that the target user corresponding to the user ID clicked on the preset advertising page delivered from the advertising delivery account.

[0024] S102: Query the first database according to the delivery account identifier to obtain the delivery strategy tag corresponding to the delivery account identifier.

[0025] The advertising delivery account delivers a preset advertising page using the advertising delivery strategy corresponding to the delivery strategy tag. It will be appreciated that each advertising delivery strategy in this embodiment corresponds to a delivery strategy tag. When an advertising delivery account delivers an advertisement using an advertising delivery strategy, a mapping relationship is established between the delivery strategy tag and the delivery account identifier of the advertising delivery account. This mapping relationship between the delivery strategy tag and the delivery account identifier is then stored in the first database, thereby preparing for subsequent credit authorization for the target user.

[0026] In a specific implementation, the advertising delivery strategy in this embodiment includes, but is not limited to, an advertising delivery strategy based on any one or more characteristics such as age, region, gender, ad click-through rate (CTR), and conversion rate. For example, the advertising delivery strategy may be targeted at users in the Shenzhen area of ​​Guangdong Province. Another example is that the advertising delivery strategy may be targeted at users aged 20 to 35 in the Shenzhen area of ​​Guangdong Province.

[0027] S103: Query the second database according to the delivery strategy tag to obtain the risk control strategy tag corresponding to the delivery account identifier, and determine the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship.

[0028] It can be understood that in this embodiment, there is an association between the delivery account identifier of the advertising delivery account, the delivery strategy label of the advertising delivery strategy, and the risk control strategy label of the credit risk control strategy. That is, when the advertising delivery account delivers advertisements through the advertising delivery strategy, an association is established between the delivery account identifier of the advertising delivery account and the delivery strategy label of the advertising delivery strategy. The target users attracted by the advertisements delivered by the advertising delivery account need to be credited based on the corresponding credit risk control strategy. At this time, the association between the delivery account identifier and the risk control strategy label is determined. In other words, before the advertising delivery account delivers advertisements, the association between the delivery strategy label of the advertising delivery strategy and the risk control strategy label of the credit risk control strategy is pre-determined and recorded in the second database. In this embodiment, the second database and the first database can be the same database or different databases.

[0029] S104: Determine the credit limit granted to the target user according to the credit risk control strategy, and send the credit limit to the user terminal for display.

[0030] In a specific implementation, the credit limit determined by the credit risk control strategy in this embodiment can be a specified credit limit. That is, the target users attracted by advertisements placed by the same advertising account have the same credit limit determined based on the same credit risk control strategy, and the target users attracted by advertisements placed by different advertising accounts have different credit limits determined based on different credit risk control strategies.

[0031] For example, if the credit limit corresponding to a credit risk control strategy is 80,000, then the target users attracted by the advertisements delivered by the advertising delivery account corresponding to the credit risk control strategy will all be granted a credit limit of 80,000.

[0032] For example, when the advertising delivery strategy is for users aged 18 to 25, the corresponding credit limit of the risk control strategy can be 20,000 yuan, while when the advertising delivery strategy is for users aged 26 to 35, the corresponding credit limit of the risk control strategy can be 100,000 yuan. This is because users aged 18 to 25 are mainly college students or recent graduates. This group of people has no financial resources or limited financial resources. Therefore, granting users a lower credit limit is conducive to reducing risks. Users aged 26 to 35 are in the rising period of their careers and have a certain economic foundation. Therefore, they can be granted a higher credit limit.

[0033] It should be noted that, in this embodiment, when determining the credit limit granted to the target user, the credit limit needs to be returned from the advertisement delivery system to the user terminal of the target user so that the preset advertisement page of the user terminal can display the credit limit.

[0034] In summary, the present invention discloses a tag-based user credit method, which obtains the user ID of the target user corresponding to the user terminal and the delivery account ID corresponding to the preset advertising page when monitoring that the preset advertising page of the user terminal is clicked; queries a first database based on the delivery account ID to obtain the delivery strategy tag corresponding to the delivery account ID; queries a second database based on the delivery strategy tag to obtain the risk control strategy tag corresponding to the delivery account ID, and determines the credit risk control strategy corresponding to the target user based on the risk control strategy tag; and determines the credit limit granted to the target user based on the credit risk control strategy. It can be seen that the present invention obtains the user ID of the target user and the delivery account ID corresponding to the preset advertising page when the preset advertising page is clicked, and then determines the risk control strategy tag corresponding to the target user based on the mapping relationship between the user ID, the delivery account ID and the delivery strategy tag and the risk control strategy tag, and determines the credit risk control strategy corresponding to the target user based on the risk control strategy tag, and then determines the credit risk control strategy corresponding to the target user based on the credit risk control strategy, thereby completing the credit granting of the target user. Compared with the existing technology, the credit granting of the user can be completed without obtaining the user's credit data, thereby achieving the purpose of enriching the credit granting method.

[0035] In one embodiment, Figure 2 As shown, step S101 in this embodiment can be implemented by the following steps: S201: When a target user clicks a preset advertisement page, a click event identifier and a user identifier corresponding to a browse click event generated when the preset advertisement page is clicked are obtained, and a first association relationship between the click event identifier and the user identifier is established.

[0036] S202: According to the click event identifier, obtain the delivery account identifier of the advertisement delivery account corresponding to the preset advertisement page, and establish a second association relationship between the delivery account identifier and the click event identifier.

[0037] S203: Determine a target association relationship between the user identifier and the delivery account identifier based on the first association relationship and the second association relationship.

[0038] Among them, the click event identifier (CID) refers to the unique identifier of the ad click event, which is used to track the user's behavior path from clicking the ad to conversion.

[0039] In a specific implementation, when the target user clicks on a preset advertising page, a first association relationship between the click event identifier and the user identifier can be established. Based on the click event identifier, the delivery account identifier of the corresponding advertising delivery account can be determined, thereby establishing a second association relationship between the delivery account identifier and the click event identifier. Thus, based on the first association relationship and the second association relationship, the target association relationship between the user identifier and the delivery account identifier is determined.

[0040] In one embodiment, Figure 3 As shown, in this embodiment, each time a target user clicks on a preset advertisement page to generate a browse click event, the target user's real-time click data, real-time exposure data, and real-time conversion data are extracted from the browse click event, and the real-time click data, real-time exposure data, and real-time conversion data are stored in a pre-established third database as the target user's historical data. Based on this, the credit risk control strategy in this embodiment can be as follows: It is understood that real-time click data can be data indicating whether a target user clicked on a preset ad page when the preset ad page was exposed to the target user via the user terminal. For example, if the target user clicked on the preset ad page when the preset ad page was exposed to the target user via the user terminal, the real-time click data is 1. Real-time exposure data can be data indicating whether the preset ad page was exposed to the target user via the user terminal. For example, if the preset ad page was exposed to the target user via the user terminal, the real-time exposure data is 1. Alternatively, if the preset ad page was exposed to the target user via the user terminal but the target user did not click on the preset ad page, the real-time exposure data is 1. Real-time conversion data can be data indicating whether the target user clicked on the preset ad page and ultimately completed a loan application or received funds when the preset ad page was exposed to the target user via the user terminal. For example, if the preset ad page was exposed to the target user via the user terminal, the target user clicked on the preset ad page and ultimately completed a loan application or received funds, the real-time conversion data is 1. S301: Query a third database according to the user identifier to obtain all historical data of the target user.

[0041] S302: Extracting the target user's historical click data, historical exposure data, and historical conversion data from the historical data.

[0042] Among them, the historical click data can be the total number of clicks by the target user on the preset advertising page when the preset advertising page is exposed to the target user through the user terminal; the historical exposure data can be the total number of exposures of the preset advertising page to the target user through the user terminal, or the preset advertising page can also be the number of unclicks when the preset advertising page is exposed to the target user through the user terminal but the target user does not click on the preset advertising page; the historical conversion data can be the total number of actions when the preset advertising page is exposed to the target user through the user terminal, when the preset advertising page is exposed to the target user through the user terminal, and the target user clicks on the preset advertising page and ultimately completes the complete action of loan application or funds arrival.

[0043] S303: Input historical click data, historical exposure data, and historical conversion data into a credit model to predict the credit limit.

[0044] It can be understood that each time the target user clicks on the preset advertising page, a corresponding browse click event will be generated. Each time a browse click event is generated, the real-time click data, real-time exposure data, and real-time conversion data of the browse click event will be stored in the third database as the historical data of the target user. Over time, a large amount of historical data of the target user will be obtained.

[0045] In a specific implementation, this embodiment can directly store all browsing and click event data in a third database as the target user's historical data. As an extension, this embodiment can also extract the required browsing behavior data from the browsing and click events, and then store the browsing behavior data in a third database as the target user's historical data. Furthermore, the trust models in this embodiment include, but are not limited to, logistic regression models, XGBoost models, and the like.

[0046] In summary, in this embodiment, by predicting the user's credit limit through the credit granting model, a more accurate credit limit can be obtained, which is conducive to improving the user's conversion rate.

[0047] In one embodiment, Figure 4 As shown, the user identification in this embodiment is obtained in the following manner: S401: Obtain user information of a target user, where the user information includes one or more of mobile phone number, identity information, age information, and location information.

[0048] S402: Generate a user ID of the target user according to the user information.

[0049] Among them, the user information of the target user can be obtained based on the input operation of the target user on the preset advertising page. The input operation can be an authorization operation of the user. After obtaining the user's authorization, the user information of the target user can be obtained directly from the application. Alternatively, the input operation can be an operation of the user's input information. Based on the information input by the user, the user information of the target user is obtained.

[0050] In a specific implementation, the user identifier of the target user in this embodiment can be an identifier assigned to the target user when the user information is obtained. The user identifier has no direct relationship with the user information. Alternatively, in this embodiment, part of the user information can also be used as the user identifier of the target user, such as a mobile phone number. This embodiment does not limit the specific method of generating the user identifier.

[0051] In one embodiment, Figure 5 As shown, step S102 in this embodiment can be implemented by the following steps: S501: Compare the delivery account identifier with the archived account identifier recorded in the first database.

[0052] S502: When the delivery account identifier and the archive account identifier are the same, determine that the archive policy tag corresponding to the archive account identifier is the delivery policy tag.

[0053] It can be understood that in this embodiment, at least the recorded archive account identifier and the corresponding archive policy tag are stored. When establishing an advertising delivery account, the delivery account identifier of the advertising delivery account and the delivery policy tag of the corresponding advertising delivery strategy need to be stored in the first database as the archive account identifier and the corresponding archive policy tag to be queried.

[0054] In a specific implementation, when obtaining the delivery account identifier, this embodiment can traverse the archived account identifiers recorded in the first database. For each archived account identifier traversed, the archived account identifier is compared with the delivery account identifier. If the archived account identifier and the delivery account identifier are different, the next archived account identifier is obtained and the archived account identifier is compared with the delivery account identifier. This is repeated until the archived account identifier and the delivery account identifier are the same. The traversal ends and the archived policy tag corresponding to the archived account identifier that is the same as the delivery account identifier is determined to be the delivery policy tag. In this way, the delivery policy tag can be queried from the first database based on the delivery account identifier.

[0055] In one embodiment, the first database and the second database are the same database or different databases.

[0056] In one embodiment, the advertisement delivery type of the preset advertisement page includes any one type or a combination of multiple types of text pages, audio pages, pattern pages, and video pages.

[0057] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0058] In one embodiment, a user credit authorization device based on a tag is provided, and the user credit authorization device based on a tag corresponds one-to-one with the user credit authorization method based on a tag in the above embodiment. Figure 6 As shown, the tag-based user credit device includes a first relationship establishment module, a first tag acquisition module, a first policy matching module and a first credit determination module. The functional modules are described in detail as follows: The first relationship establishing module 601 is configured to, upon detecting that a preset advertisement page of a user terminal is clicked, obtain the user ID of the target user corresponding to the user terminal and the delivery account ID corresponding to the preset advertisement page, and establish a target association relationship between the user ID and the delivery account ID; The first label acquisition module 602 is used to query the first database according to the delivery account identifier to obtain the delivery strategy label corresponding to the delivery account identifier; the advertising delivery account delivers the preset advertising page according to the advertising delivery strategy corresponding to the delivery strategy label; The first strategy matching module 603 is used to query the second database according to the delivery strategy tag, obtain the risk control strategy tag corresponding to the delivery account identifier, and determine the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; The first credit determination module 604 is used to determine the credit limit granted to the target user according to the credit risk control strategy, and send the credit limit to the user terminal for display.

[0059] In summary, the present invention discloses a tag-based user credit device, which obtains the user ID of the target user corresponding to the user terminal and the delivery account ID corresponding to the preset advertising page when monitoring that the preset advertising page of the user terminal is clicked; queries a first database based on the delivery account ID to obtain the delivery strategy tag corresponding to the delivery account ID; queries a second database based on the delivery strategy tag to obtain the risk control strategy tag corresponding to the delivery account ID, and determines the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; and determines the credit limit granted to the target user based on the credit risk control strategy. It can be seen that the present invention obtains the user ID of the target user and the delivery account ID corresponding to the preset advertising page when the preset advertising page is clicked, and then determines the risk control strategy tag corresponding to the target user based on the mapping relationship between the user ID, the delivery account ID and the delivery strategy tag and the risk control strategy tag, and determines the credit risk control strategy corresponding to the target user based on the risk control strategy tag, and then determines the credit risk control strategy corresponding to the target user based on the credit risk control strategy, thereby completing the credit granting of the target user. Compared with the existing technology, the user's credit can be granted without obtaining the user's credit data, thereby achieving the purpose of enriching the credit granting method.

[0060] In one embodiment, the first relationship establishing module 601 is used to: When the target user clicks on the preset advertisement page, a click event identifier and a user identifier corresponding to a browse click event generated when the preset advertisement page is clicked are obtained, and a first association relationship between the click event identifier and the user identifier is established; According to the click event identifier, obtaining the delivery account identifier of the advertisement delivery account corresponding to the preset advertisement page, and establishing a second association relationship between the delivery account identifier and the click event identifier; A target association relationship between the user identifier and the delivery account identifier is determined according to the first association relationship and the second association relationship.

[0061] In one embodiment, each time a target user clicks on a preset advertisement page and generates a browse click event, the target user's real-time click data, real-time exposure data, and real-time conversion data are extracted from the browse click event, and the real-time click data, real-time exposure data, and real-time conversion data are stored in a pre-established third database as historical data of the target user. Credit risk control strategies, including: Query the third database according to the user identifier to obtain all historical data of the target user; Extract the target user's historical click data, historical exposure data, and historical conversion data from historical data; Input historical click data, historical exposure data, and historical conversion data into the credit model to predict the credit limit.

[0062] In one embodiment, the user identification is obtained as follows: Obtaining user information of the target user, the user information including one or more of mobile phone number, identity information, age information, and location information; Generate the target user's user ID based on the user information.

[0063] In one embodiment, the first tag acquisition module 602 is configured to: Comparing the placement account identifier with the archived account identifier recorded in the first database; When the delivery account identifier is the same as the archive account identifier, the archive policy tag corresponding to the archive account identifier is determined to be the delivery policy tag.

[0064] In one embodiment, the first database and the second database are the same database or different databases.

[0065] In one embodiment, the advertisement delivery type of the preset advertisement page includes any one type or a combination of multiple types of text, audio, pattern and video.

[0066] The specific definitions of the tag-based user credit granting device can be found in the definitions of the tag-based user credit granting method above and will not be repeated here. Each module in the aforementioned tag-based user credit granting device may be implemented in whole or in part through software, hardware, or a combination thereof. Each of these modules may be embedded in or independent of a processor in a computer device in hardware form, or may be stored in a computer device memory in software form, allowing the processor to call and execute the corresponding operations of each module.

[0067] In one embodiment, if Figure 7As shown, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the user credit authorization method based on the tag in the above embodiment is implemented, for example Figure 1 The tag-based user credit method shown, or Figures 2 to 5 Alternatively, when the processor executes the computer program, the functions of each module / unit in the embodiment of the tag-based user credit device are realized, for example Figure 6 The tag-based user credit function shown is not described here in detail to avoid repetition.

[0068] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the tag-based user credit method in the above embodiment is implemented. For example, Figure 1 The tag-based user credit method shown, or Figures 2 to 5 Alternatively, when the processor executes the computer program, the functions of each module / unit in the embodiment of the tag-based user credit device are realized, for example Figure 6 The tag-based user credit function shown is not described here in detail to avoid repetition.

[0069] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A tag-based user credit method, characterized in that: include: When a preset advertisement page of a user terminal is detected to be clicked, a user ID of a target user corresponding to the user terminal and a delivery account ID corresponding to the preset advertisement page are obtained, and a target association relationship between the user ID and the delivery account ID is established; According to the delivery account identifier, a first database is searched to obtain a delivery strategy tag corresponding to the delivery account identifier; the advertising delivery account delivers the preset advertising page according to the advertising delivery strategy corresponding to the delivery strategy tag; querying a second database according to the delivery strategy tag to obtain the risk control strategy tag corresponding to the delivery account identifier, and determining the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; According to the credit risk control strategy, the credit limit granted to the target user is determined, and the credit limit is sent to the user terminal for display.

2. The tag-based user credit method according to claim 1, characterized in that: When the preset advertisement page of the user terminal is detected to be clicked, a user identifier of a target user corresponding to the user terminal and a delivery account identifier corresponding to the preset advertisement page are obtained, and a target association relationship between the user identifier and the delivery account identifier is established, including: When the target user clicks on a preset advertisement page, obtaining a click event identifier corresponding to a browse click event generated when the preset advertisement page is clicked and the user identifier, and establishing a first association relationship between the click event identifier and the user identifier; According to the click event identifier, obtaining the delivery account identifier of the advertisement delivery account corresponding to the preset advertisement page, and establishing a second association relationship between the delivery account identifier and the click event identifier; A target association relationship between the user identifier and the delivery account identifier is determined according to the first association relationship and the second association relationship.

3. The tag-based user credit method according to claim 2, characterized in that: Each time the target user clicks on the preset advertisement page to generate the browse click event, real-time click data, real-time exposure data, and real-time conversion data of the target user are extracted from the browse click event, and the real-time click data, real-time exposure data, and real-time conversion data are stored in a pre-established third database as historical data of the target user; The credit risk control strategy includes: querying the third database according to the user identifier to obtain the historical data of the target user; Extracting the target user's historical click data, historical exposure data, and historical conversion data from the historical data; The historical click data, the historical exposure data, and the historical conversion data are input into a credit model to predict the credit limit.

4. The tag-based user credit method according to claim 1, characterized in that: The user ID is obtained in the following manner: Obtaining user information of the target user, wherein the user information includes one or more of mobile phone number, identity information, age information, and location information; A user identifier of the target user is generated according to the user information.

5. The tag-based user credit method according to claim 1, characterized in that: The querying of the first database according to the delivery account identifier to obtain the delivery strategy label of the advertisement delivery account includes: Comparing the placement account identifier with the archived account identifier recorded in the first database; When the delivery account identifier is the same as the archive account identifier, the archive policy tag corresponding to the archive account identifier is determined to be the delivery policy tag.

6. The tag-based user credit method according to claim 1, characterized in that: The first database and the second database are the same database or different databases.

7. The tag-based user credit method according to claim 1, characterized in that: The advertisement delivery type of the preset advertisement page includes any one type or a combination of multiple types of text, audio, pattern and video.

8. A user credit authorization device based on labels, characterized in that: include: A first relationship establishing module is configured to, upon detecting that a preset advertisement page of a user terminal is clicked, obtain a user identifier of a target user corresponding to the user terminal and a delivery account identifier corresponding to the preset advertisement page, and establish a target association relationship between the user identifier and the delivery account identifier; A first label acquisition module is configured to query a first database according to the delivery account identifier to obtain a delivery strategy label of the advertising delivery account; the advertising delivery account delivers the preset advertising page using the advertising delivery strategy corresponding to the delivery strategy label; A first strategy matching module is configured to query a second database according to the delivery strategy tag, obtain the risk control strategy tag corresponding to the delivery account identifier, and determine the credit risk control strategy corresponding to the target user based on the risk control strategy tag and the target association relationship; The first credit determination module is used to determine the credit limit granted to the target user according to the credit risk control strategy, and send the credit limit to the user terminal for display.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the tag-based user credit method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the tag-based user credit method according to any one of claims 1 to 7 is implemented.

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