Automatic information push method and device for improving resource utilization

Abstract

The present invention discloses an automated information push method, device and electronic device for improving resource utilization, the method comprising: dividing a user group into multiple groups according to the user's demand for resources, obtaining multiple user groups; sequentially performing the following steps: automatically pushing corresponding promotion information to each group according to a predetermined strategy, obtaining the user's performance information within a predetermined time period after receiving the promotion information; determining whether the user's group needs to be adjusted according to the user's performance information within the predetermined time period; and adjusting the user's group after determining that the user's group needs to be adjusted. The present invention divides a user group into multiple groups according to the user's demand for resources, pushes corresponding promotion information to different groups, dynamically adjusts the user group according to the user's performance information on the promotion information, and pushes promotion information corresponding to the user's group to the user, thereby promoting user conversion and improving resource utilization.

Description

Technical Field

[0001] The present invention relates to the field of computer information processing technology, and in particular to an automated information push method, device, electronic device and computer-readable medium for improving resource utilization. Background Art

[0002] With the development of the Internet, the types of Internet products have become more and more diverse, from goods to services. The customer competition among various Internet platforms has also become increasingly fierce. This competition is not only reflected in the ability of the platform to attract new customers, but also in the ability of the platform to retain old customers.

[0003] Currently, many platforms attract customers by pushing information. Information push refers to the technology of pushing information from the server to the client through the operating system, APP, web page, etc. It is mainly used in the marketing, advertising, customer stickiness management, etc. of Internet products. However, the current information push technology is still mainly based on simple timed and indiscriminate push, and there are also methods and contents of information push that are dynamically determined based on machine learning. However, these information push methods do not take into account the different levels of resource demand of different users, resulting in poor information push results, low resource utilization, and even user loss.

[0004] Therefore, how to analyze users' resource needs from massive data in order to implement more accurate information push is an urgent problem to be solved. Summary of the invention

[0005] The present invention aims to solve the technical problem of low conversion efficiency and low resource utilization of information pushed to users due to failure to consider actual needs of users.

[0006] In order to solve the above technical problems, the first aspect of the present invention proposes an automatic information push method for improving resource utilization, the method comprising:

[0007] Divide the user group into multiple groups according to the user's demand for resources, and obtain multiple user groups;

[0008] Follow the steps below in order:

[0009] Automatically push corresponding promotion information to each group according to a predetermined strategy, and obtain the performance information of the user within a predetermined time period after receiving the promotion information, wherein the promotion information is used to promote the utilization rate of financial resources by the user;

[0010] Determine whether to adjust the grouping of the user according to the performance information of the user in the predetermined time period;

[0011] When it is determined that the grouping of the user needs to be adjusted, the grouping of the user is adjusted.

[0012] According to a preferred embodiment of the present invention, the predetermined strategy includes a strategy for promoting information push and a strategy for displaying information acquisition; and

[0013] Before automatically pushing corresponding promotion information to each group according to a predetermined strategy, the method further includes:

[0014] Receive external input to set strategies for promoting information push and displaying information acquisition corresponding to each group;

[0015] The promotion information is configured according to the policy for pushing the promotion information.

[0016] According to a preferred implementation manner of the present invention, the performance information includes user feedback information on the promotion information.

[0017] According to a preferred implementation manner of the present invention, the performance information includes the user's performance information on external third-party financial resources.

[0018] According to a preferred implementation of the present invention, the step of dividing the user group into multiple groups includes:

[0019] Group all users into groups that have the lowest demand for resources.

[0020] According to a preferred embodiment of the present invention, the user's feedback information on the promotion information includes any one of the user's activity information, the frequency of using the APP, and the information of browsing a specific page.

[0021] According to a preferred implementation manner of the present invention, the user's performance information on the external third-party financial resource includes any one of browsing information, click information, and request information on the external third-party financial resource.

[0022] According to a preferred implementation manner of the present invention, the predetermined strategy includes: for users in a group with a higher degree of demand for resources, the promotion effect of the promotion information on resource utilization is greater.

[0023] In order to solve the above technical problems, the second aspect of the present invention provides an automatic information push device for improving resource utilization, the device comprising:

[0024] A grouping module is used to divide the user group into multiple groups according to the user's demand for resources, thereby obtaining multiple user groups;

[0025] The loop module is used to perform the following steps in sequence:

[0026] Automatically push corresponding promotion information to each group according to a predetermined strategy, and obtain the performance information of the user within a predetermined time period after receiving the promotion information, wherein the promotion information is used to promote the utilization rate of financial resources by the user;

[0027] Determine whether to adjust the grouping of the user according to the performance information of the user in the predetermined time period;

[0028] When it is determined that the grouping of the user needs to be adjusted, the grouping of the user is adjusted.

[0029] According to a preferred embodiment of the present invention, the predetermined strategy includes a strategy for promoting information push and a strategy for displaying information acquisition; the device further includes:

[0030] A receiving module, used for receiving external input to set a strategy for promoting information push and a strategy for displaying information acquisition corresponding to each group;

[0031] A configuration module is used to configure the promotion information according to the strategy of pushing the promotion information.

[0032] According to a preferred implementation manner of the present invention, the performance information includes user feedback information on the promotion information.

[0033] According to a preferred implementation manner of the present invention, the performance information includes the user's performance information on external third-party financial resources.

[0034] According to a preferred implementation manner of the present invention, the grouping module is specifically used to: group all users into groups with the lowest demand for resources.

[0035] According to a preferred embodiment of the present invention, the user's feedback information on the promotion information includes any one of the user's activity information, the frequency of using the APP, and the information of browsing a specific page.

[0036] According to a preferred implementation manner of the present invention, the user's performance information on the external third-party financial resource includes any one of browsing information, click information, and request information on the external third-party financial resource.

[0037] According to a preferred implementation manner of the present invention, the predetermined strategy includes: for users in a group with a higher degree of demand for resources, the promotion effect of the promotion information on resource utilization is greater.

[0038] In order to solve the above technical problems, the third aspect of the present invention provides an electronic device, including:

[0039] Processor; and

[0040] A memory storing computer executable instructions, which when executed cause the processor to perform the above method.

[0041] In order to solve the above technical problem, the fourth aspect of the present invention proposes a computer-readable storage medium, wherein the computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the above method is implemented.

[0042] The present invention obtains the user's demand for resources by monitoring the user's resource request demand and resource request behavior, divides the user group into multiple groups according to the user's demand for resources, pushes corresponding promotion information to different groups, dynamically adjusts the user group according to the user's performance information of the promotion information, and pushes the promotion information corresponding to the group to which the user belongs to, promotes user conversion, and improves resource utilization. On the one hand, the present invention fully considers the user's actual resource demand, analyzes the user's resource request degree in real time through the user's resource request demand and resource request behavior, and provides a reliable basis for subsequent information push to the user. On the other hand, the user's group in the present invention is not fixed, and it dynamically adjusts the user's group according to the user's performance information, and then pushes the corresponding promotion information to the user, which can improve the accuracy of information push and the push conversion rate, and improve resource utilization. At the same time, it increases the customer stickiness of Internet products and reduces customer churn. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects achieved more clearly, the specific embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, it should be noted that the drawings described below are only drawings of exemplary embodiments of the present invention, and those skilled in the art can obtain drawings of other embodiments based on these drawings without creative work.

[0044] Figure 1 It is a flow chart of an automatic information push method for improving resource utilization of the present invention;

[0045] Figure 2 is a schematic diagram of a flow chart of configuration promotion information of the present invention;

[0046] Figure 3 It is a schematic diagram of the structural framework of an automatic information push device for improving resource utilization according to the present invention;

[0047] Figure 4 is a structural block diagram of an exemplary embodiment of an electronic device according to the present invention;

[0048] Figure 5 is a schematic diagram of an embodiment of a computer readable medium of the present invention. DETAILED DESCRIPTION

[0049] The exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. Although each exemplary embodiment can be implemented in a variety of specific ways, it should not be understood that the present invention is limited to the embodiments set forth herein. On the contrary, these exemplary embodiments are provided to make the content of the present invention more complete and to facilitate the comprehensive communication of the inventive concept to those skilled in the art.

[0050] Under the premise of conforming to the technical concept of the present invention, the structure, performance, effect or other characteristics described in a specific embodiment may be combined with one or more other embodiments in any appropriate manner.

[0051] In the process of introducing specific embodiments, the detailed description of the structure, performance, effect or other characteristics is to enable those skilled in the art to fully understand the embodiments. However, it does not exclude that those skilled in the art can implement the present invention with a technical solution that does not contain the above-mentioned structure, performance, effect or other characteristics under certain circumstances.

[0052] The flowchart in the accompanying drawings is only an exemplary process demonstration, and does not mean that the solution of the present invention must include all the contents, operations and steps in the flowchart, nor does it mean that it must be executed in the order shown in the figure. For example, some operations / steps in the flowchart can be decomposed, some operations / steps can be combined or partially combined, etc. The execution order shown in the flowchart can be changed according to the actual situation without departing from the main purpose of the present invention.

[0053] Frames in the attached figure Figure 1 Generally, it refers to functional entities, which do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0054] The same reference numerals in the drawings represent the same or similar elements, components or parts, and thus the repeated description of the same or similar elements, components or parts may be omitted below. It should also be understood that although the first, second, third and other attributives representing the numbers may be used herein to describe various devices, elements, components or parts, these devices, elements, components or parts should not be limited by these attributives. In other words, these attributives are only used to distinguish one from another. For example, the first device may also be called the second device, but it does not deviate from the essential technical solution of the present invention. In addition, the terms "and / or" and "and / or" refer to all combinations including any one or more of the listed items.

[0055] See also Figure 1 , Figure 1 is a flow chart of an automatic information push method for improving resource utilization provided by the present invention, such as Figure 1 As shown, the method includes:

[0056] S1. Divide the user group into multiple groups according to the user's demand for resources, and obtain multiple user groups;

[0057] The resource demand level is used to reflect the actual resource demand of the user, and the resource demand level of the user can be obtained by monitoring and analyzing the user's historical data. In the present invention, two perspectives are considered: whether the user has resource demand in the near future and whether the early dormant user has adopted external third-party financial resources.

[0058] In one example, for convenience, all users are grouped into the group with the lowest demand for resources. Taking the first user group, the second user group, the third user group and the fourth user group as an example, the users in these four user groups have increasing demand for resources. Among them, the first group corresponds to users who currently have no demand for resources, the second group corresponds to users who can currently stimulate demand for resources, the third group corresponds to users who consider external third-party financial resources, and the fourth group corresponds to users who have already selected external third-party financial resources. In this way, all users can be grouped into the first group, corresponding to users who have no demand for resources.

[0059] In addition, in order to locate customers more accurately, this step can combine the user's historical data (such as the number of loans, the number of early settlements, etc.) to determine the user's demand for resources. Then the user group is divided into multiple groups according to the user's demand for resources, which specifically includes:

[0060] S11, obtaining the user's resource demand level;

[0061] The resource demand level can be determined by analyzing the user's historical data. The historical data is related to the actual business and the nature of the user. For example, for financial settlement users, the historical data may include at least one of: whether to settle in advance, the number of early settlements, the number of loans, and the settlement time. Exemplarily, if the user settles in advance, it is considered that the user currently has no resource demand, and the user has a first-level resource demand. If the user settles in advance and the settlement time exceeds a preset time (such as one year), it can be considered that the user can currently stimulate resource demand, and the user has a second-level resource demand. If the user does not settle in advance, and the settlement time exceeds a preset time (such as one year), it can be considered that the user is considering external third-party financial resources, and the user has a third-level resource demand, and so on.

[0062] S12: dividing the user group into multiple groups according to the user's demand for resources.

[0063] Here, different user groups may be pre-set for different resource demand levels, and users may be divided into corresponding user groups according to their resource demand levels.

[0064] S2, carry out the following steps in sequence:

[0065] S21, automatically push corresponding promotion information to each group according to a predetermined strategy, and obtain the performance information of the user within a predetermined time period after receiving the promotion information,

[0066] The predetermined strategy includes a strategy for promoting information push and a strategy for obtaining performance information; and before automatically pushing corresponding promotion information to each group according to the predetermined strategy, such as Figure 2 As shown, the method also includes:

[0067] S211, receiving external input to set a strategy for promoting information push and a strategy for displaying information acquisition corresponding to each group;

[0068] The promotion information is used to promote the utilization rate of financial resources by users; the user in the group with a higher demand for resources according to the predetermined strategy has a greater promoting effect of the promotion information on the utilization rate of resources.

[0069] The promotion information may specifically be promotional information for different financial products. Taking Internet financial credit products as an example, it may be at least one of a credit limit increase information, an interest rate reduction information, and an interest-free information. Specifically, the credit limit increase ratio, interest rate reduction ratio, and / or interest-free ratio may be different for different groups. The push strategy for the promotion information may include a push cycle, a push form, and the like. For example, a push strategy of a periodic amount less than a first preset amount may be set for the first group based on external input. A push strategy of a temporary amount greater than a second preset amount may be set for the second group, and the like.

[0070] Wherein, the performance information includes the user's feedback information on the promotion information and / or the user's performance information on the external third-party financial resources. The present invention determines the specific form of the performance information according to the external input, and then sets the acquisition strategy of the performance information according to the specific form of the performance information. For example, when the external input determines that the performance information is the user's feedback information on the promotion information, the user's feedback information on the promotion information is obtained through any one of the user's activity information, the frequency of using the APP, and the information of browsing a specific page. The user's activity refers to the online time and login frequency of the user browsing the product. The specific page can be a product page related to the required resource, etc. When the external input determines that the performance information is the user's performance information on the external third-party financial resource, the user's performance information on the external third-party financial resource is obtained through any one of the user's browsing information, click information, and request information on the external third-party financial resource. The request information can specifically be application information for external third-party financial resources.

[0071] S212: Configure the promotion information according to the policy for pushing the promotion information.

[0072] For example, the first group is periodically pushed credit limit increase information less than the first preset credit limit and / or interest-free information for a predetermined period of time, etc. When the second group user logs into the account, a temporary credit limit and / or interest rate reduction information reminder is displayed in the form of a banner.

[0073] S22, determining whether it is necessary to adjust the grouping of the user according to the performance information of the user in the predetermined time period;

[0074] The present invention dynamically adjusts the current group of the user according to the performance information of the user. Therefore, the group of the user changes dynamically according to the performance information of the user.

[0075] In one example, the performance information includes user feedback information on the promotion information. The user feedback information on the promotion information includes two types: no feedback and feedback. If the user has at least one of online product browsing, app login or browsing specific pages within a predetermined time period after receiving the promotion information, the user's feedback information on the promotion information is determined to be feedback. Otherwise, the user's feedback information on the promotion information is determined to be no feedback. If the user's feedback information on the promotion information is feedback, it can be considered that the user can currently stimulate resource demand, and it is determined to adjust the user group. If the user's feedback information on the promotion information is no feedback, it can be considered that the user currently has no resource demand, and it is determined that the user group does not need to be adjusted. That is, the original push information is used to continue to promote the user.

[0076] In another example, the performance information includes the user's performance information on the external third-party financial resource. The user's performance information on the external third-party financial resource includes any one of the user's browsing information, click information, and request information on the external third-party financial resource. The user's performance information on the external third-party financial resource can be determined by monitoring the user's behavior on the external third-party financial resource. If the user's performance information on the external third-party financial resource includes browsing information and click information, it can be considered that the user is considering the external third-party financial resource, and it is determined that there is no need to adjust the user group. If the user's performance information on the external third-party financial resource includes request information, it can be considered that the user has decided to use the external third-party financial resource, and it is determined that the user group needs to be adjusted.

[0077] S23: When it is determined that the user group needs to be adjusted, the user group is adjusted.

[0078] Exemplarily, in a dynamic adjustment manner, the level of each group may be set, such as the levels of the first group, the second group, the third group, and the fourth group are increased in sequence.

[0079] If it is determined that the user group needs to be adjusted, the next level group of the user's group will be adjusted to the user's current group; for example, the user group is the first group. If the user logs in to the APP within a preset time period after receiving the promotion information corresponding to the first group, the user has feedback, and the user's current group is adjusted to the next level group of the first group, that is, the second group.

[0080] In the present invention, the performance information includes both the user's feedback information on the promotion information and the user's performance information on the external third-party financial resources. The priority of the user's performance information on the external third-party financial resources is higher than the priority of the user's feedback information on the promotion information, that is, the current group of the user is dynamically adjusted according to the user's performance information on the external third-party financial resources.

[0081] Figure 3 is a schematic diagram of the architecture of an automatic information push device for improving resource utilization according to the present invention, such as Figure 3 As shown, the device comprises:

[0082] A grouping module 31 is used to divide a user group into multiple groups according to the user's demand for resources, thereby obtaining multiple user groups;

[0083] The loop module 32 is used to sequentially cycle through the following steps:

[0084] Automatically push corresponding promotion information to each group according to a predetermined strategy, and obtain the performance information of the user within a predetermined time period after receiving the promotion information, wherein the promotion information is used to promote the utilization rate of financial resources by the user;

[0085] Determine whether to adjust the grouping of the user according to the performance information of the user in the predetermined time period;

[0086] When it is determined that the grouping of the user needs to be adjusted, the grouping of the user is adjusted.

[0087] In a specific implementation, the predetermined strategy includes a strategy for promoting information push and a strategy for displaying information acquisition; the device further includes:

[0088] The receiving module 300 is used to receive external input to set the strategy for promoting information push and the strategy for displaying information acquisition corresponding to each group;

[0089] The configuration module 301 is used to configure the promotion information according to the strategy of pushing the promotion information.

[0090] Optionally, the performance information includes user feedback information on the promotion information. Alternatively, the performance information includes user performance information on external third-party financial resources.

[0091] In a specific implementation, the grouping module 31 is specifically used to group all users into groups with the lowest demand for resources.

[0092] The user's feedback information on the promotion information includes any one of the user's activity information, the frequency of using the APP, and the information of browsing a specific page. The user's performance information on the external third-party financial resource includes any one of the browsing information, click information, and request information of the external third-party financial resource.

[0093] Furthermore, the predetermined strategy includes: for users in a group with a higher degree of resource demand, the promotion information has a greater effect on promoting resource utilization.

[0094] Those skilled in the art will appreciate that the modules in the above device embodiments may be distributed in the device as described, or may be changed accordingly and distributed in one or more devices different from the above embodiments. The modules in the above embodiments may be combined into one module, or may be further split into multiple submodules.

[0095] The electronic device embodiment of the present invention is described below, and the electronic device can be regarded as a physical implementation of the method and device embodiments of the present invention described above. The details described in the electronic device embodiment of the present invention should be regarded as a supplement to the above method or device embodiments; details not disclosed in the electronic device embodiment of the present invention can be implemented with reference to the above method or device embodiments.

[0096] Figure 4 is a structural block diagram of an exemplary embodiment of an electronic device according to the present invention. Figure 4 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0097] like Figure 4 As shown, the electronic device 400 of this exemplary embodiment is in the form of a general data processing device. The components of the electronic device 400 may include, but are not limited to: at least one processing unit 410, at least one storage unit 420, a bus 430 connecting different electronic device components (including the storage unit 420 and the processing unit 410), a display unit 440, etc.

[0098] The storage unit 420 stores a computer-readable program, which may be a source program or a code of a read-only program. The program may be executed by the processing unit 410, so that the processing unit 410 performs the steps of various embodiments of the present invention. For example, the processing unit 410 may perform the following steps: Figure 1 Steps shown.

[0099] The storage unit 420 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 4201 and / or a cache storage unit 4202, and may further include a read-only storage unit (ROM) 4203. The storage unit 420 may also include a program / utility 4204 having a set (at least one) of program modules 4205, such program modules 4205 including but not limited to: operating the electronic device, one or more application programs, other program modules, and program data, each of which or some combination may include the implementation of a network environment.

[0100] Bus 430 may represent one or more of several types of bus structures, including a memory unit bus or memory unit controller, a peripheral bus, an accelerated graphics port, a processing unit, or a local bus using any of a variety of bus architectures.

[0101] The electronic device 400 may also communicate with one or more external devices 300 (e.g., keyboards, displays, network devices, Bluetooth devices, etc.) so that a user can interact with the electronic device 400 via these external devices 400, and / or the electronic device 400 can communicate with one or more other data processing devices (e.g., routers, modems, etc.). Such communication may be performed through an input / output (I / O) interface 450, and may also be performed through a network adapter 460 with one or more networks (e.g., a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet). The network adapter 460 may communicate with other modules of the electronic device 400 via the bus 430. It should be understood that although Figure 4 Not shown, other hardware and / or software modules may be used in the electronic device 400, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID electronic devices, tape drives, and data backup storage electronic devices, etc.

[0102] Figure 5 Schematic diagram of a computer readable medium embodiment of the present invention. Figure 5 As shown, the computer program can be stored on one or more computer-readable media. The computer-readable medium can be a readable signal medium or a readable storage medium. The readable storage medium can be, for example, but not limited to, an electronic device, device or device of electricity, magnetism, light, electromagnetic, infrared, or semiconductor, or any combination of the above. More specific examples (non-exhaustive list) of readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. When the computer program is executed by one or more data processing devices, the computer-readable medium is enabled to implement the above-mentioned method of the present invention, namely: dividing the user group into multiple groups according to the degree of user demand for resources to obtain multiple user groups; and sequentially performing the following steps: automatically pushing corresponding promotion information to each group according to a predetermined strategy, and obtaining the performance information of the user within a predetermined time period after receiving the promotion information, and the promotion information is used to promote the user's utilization of financial resources; determining whether it is necessary to adjust the user's grouping according to the user's performance information within the predetermined time period; and adjusting the user's grouping when it is determined that the user's grouping needs to be adjusted.

[0103] Through the description of the above implementation modes, it is easy for those skilled in the art to understand that the exemplary embodiments described in the present invention can be implemented by software, or by software combined with necessary hardware. Therefore, the technical solution according to the implementation mode of the present invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a data processing device (which can be a personal computer, a server, or a network device, etc.) to perform the above method according to the present invention.

[0104] The computer-readable storage medium may include a data signal propagated in a baseband or as part of a carrier wave, wherein a readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination of the above. The readable storage medium may also be any readable medium other than a readable storage medium, which may push, propagate, or transmit a program for use by or in combination with an instruction-executing electronic device, device, or device. The program code contained on the readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the above.

[0105] Program code for performing the operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., as well as conventional procedural programming languages ​​such as "C" language or similar programming languages. The program code may be executed entirely on the user computing device, partially on the user device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any type 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., through the Internet using an Internet service provider).

[0106] In summary, the present invention can be implemented by a method, apparatus, electronic device or computer-readable medium that executes a computer program. In practice, a general data processing device such as a microprocessor or a digital signal processor (DSP) can be used to implement some or all functions of the present invention.

[0107] The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the present invention is not inherently related to any specific computer, virtual device or electronic device, and various general devices can also implement the present invention. The above description is only a specific embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the protection scope of the present invention.

Claims

1. An automated information push method for improving resource utilization, characterized in that: The method comprises: Monitor users' resource request needs and resource request behaviors to obtain the degree of users' demand for resources; Divide the user group into multiple groups according to the user's demand for resources, and obtain multiple user groups; Cycle through the following steps in sequence: Automatically push corresponding promotion information for promoting the utilization rate of financial resources by users to each group according to a predetermined strategy, and obtain feedback information from users within a predetermined time period after receiving the promotion information; Determining whether it is necessary to adjust the grouping of the user based on the user's feedback information on the promotion information within a predetermined time period, and / or based on the user's performance information on the external third-party financial resource; wherein: when determining whether it is necessary to adjust the grouping of the user based on the user's feedback information on the promotion information within a predetermined time period and the user's performance information on the external third-party financial resource, the priority of the user's performance information on the external third-party financial resource is greater than the priority of the user's feedback information on the promotion information; When it is determined that the grouping of the user needs to be adjusted, the grouping of the user is adjusted.

2. The method according to claim 1, characterized in that: The predetermined strategies include strategies for promoting information push and strategies for displaying information acquisition; and Before automatically pushing corresponding promotion information to each group according to a predetermined strategy, the method further includes: Receive external input to set strategies for promoting information push and displaying information acquisition corresponding to each group; The promotion information is configured according to the policy for pushing the promotion information.

3. The method according to claim 1, characterized in that: The step of dividing the user group into a plurality of groups comprises: Group all users into groups that have the lowest demand for resources.

4. The method according to claim 1, characterized in that: The user's feedback information on the promotion information includes any one of the user's activity information, the frequency information of using the APP, and the information of browsing a specific page.

5. The method according to claim 1, characterized in that The user's performance information on the external third-party financial resource includes any one of browsing information, click information, and request information on the external third-party financial resource.

6. The method according to claim 1, characterized in that The predetermined strategy includes: for users in a group with a higher degree of resource demand, the promotion information has a greater effect on promoting resource utilization.

7. An automated information push device for improving resource utilization, characterized in that: The device comprises: The acquisition module is used to monitor the user's resource request needs and resource request behaviors to obtain the user's demand for resources; A grouping module is used to divide the user group into multiple groups according to the user's demand for resources, thereby obtaining multiple user groups; The loop module is used to loop through the following steps in sequence: Automatically push corresponding promotion information for promoting the utilization rate of financial resources by users to each group according to a predetermined strategy, and obtain feedback information from users within a predetermined time period after receiving the promotion information; Determining whether it is necessary to adjust the grouping of the user based on the user's feedback information on the promotion information within a predetermined time period, and / or based on the user's performance information on the external third-party financial resource; wherein: when determining whether it is necessary to adjust the grouping of the user based on the user's feedback information on the promotion information within a predetermined time period and the user's performance information on the external third-party financial resource, the priority of the user's performance information on the external third-party financial resource is greater than the priority of the user's feedback information on the promotion information; When it is determined that the grouping of the user needs to be adjusted, the grouping of the user is adjusted.

8. The device according to claim 7, characterized in that The predetermined strategy includes a strategy for promoting information push and a strategy for displaying information acquisition; the device also includes: A receiving module, used for receiving external input to set a strategy for promoting information push and a strategy for displaying information acquisition corresponding to each group; A configuration module is used to configure the promotion information according to the strategy of pushing the promotion information.

9. The device according to claim 7, characterized in that The grouping module is specifically used to group all users into groups with the lowest demand for resources.

10. The device according to claim 7, characterized in that The user's feedback information on the promotion information includes any one of the user's activity information, the frequency information of using the APP, and the information of browsing a specific page.

11. The device according to claim 7, characterized in that The user's performance information on the external third-party financial resource includes any one of browsing information, click information, and request information on the external third-party financial resource.

12. The device according to claim 7, characterized in that The predetermined strategy includes: for users in a group with a higher degree of resource demand, the promotion information has a greater effect on promoting resource utilization.

13. An electronic device, comprising: processor; as well as A memory storing computer executable instructions which, when executed, cause the processor to perform the method according to any one of claims 1-6.

14. A computer-readable storage medium, wherein: The computer-readable storage medium stores one or more programs, and when the one or more programs are executed by a processor, the method according to any one of claims 1 to 6 is implemented.

Images