Resource pushing method and device

Abstract

The application discloses a resource pushing method and device. The method comprises the following steps: acquiring resources allocated by a bank for a first type of account in a bank inventory account set; acquiring account information of a second type of account, wherein the second type of account is an account that receives resources shared by the first type of account; comparing the account information of the second type of account with account information in the bank inventory account set to determine a target account; determining a second quantitative index of a plurality of alternative resources for the target account according to a first quantitative index of used resources of the target account; determining a target resource from the plurality of alternative resources according to the second quantitative index of the plurality of alternative resources for the target account, and pushing the target resource to the target account. The application solves the technical problem of low marketing efficiency caused by inaccurate identification of customer preferences.

Description

Technical Field

[0001] This application relates to the field of resource delivery, and more specifically, to a resource delivery method and apparatus. Background Technology

[0002] Competition among commercial banks is increasingly fierce, particularly in the battle for customer resources. They are no longer satisfied with the traditional, widespread, indiscriminate approach of acquiring customers through extensive outreach. Instead, they are shifting towards leveraging the vast amounts of customer data accumulated over time and employing new technologies such as facial recognition as more intelligent customer acquisition methods. Many commercial banks now offer exclusive benefits to high-value customers to revitalize existing customer bases, increase bank-customer interaction, strengthen customer loyalty, and improve customer satisfaction. However, existing commercial bank customer acquisition and marketing systems struggle to accurately identify customer preferences when targeting customers not already in the bank's database. Furthermore, the diverse customer base makes it difficult to develop effective marketing strategies.

[0003] There is currently no effective solution to the above problems. Summary of the Invention

[0004] This application provides a resource push method and apparatus to at least solve the technical problem of low marketing efficiency caused by inaccurate identification of customer preferences.

[0005] According to one aspect of the embodiments of this application, a resource push method is provided, comprising: obtaining resources allocated by a bank to a first type of account in a bank's existing account set; obtaining account information of a second type of account, wherein the second type of account is an account that receives resources shared by the first type of account; comparing the account information of the second type of account with the account information in the bank's existing account set to determine a target account; determining a second quantitative indicator of the target account for a plurality of candidate resources based on a first quantitative indicator of the target account for used resources; determining a target resource from the plurality of candidate resources based on the second quantitative indicator of the target account for the plurality of candidate resources, and pushing the target resource to the target account.

[0006] Optionally, the first quantitative indicator of the target account for multiple candidate resources is determined based on the first quantitative indicator of the resources used by the target account, including: obtaining a set of resource similarities between all resources to be pushed and all resources used by the target account; determining the target resource similarity greater than a set similarity threshold from the resource similarity set, and determining the resource to be pushed corresponding to the target resource similarity as a candidate resource; and determining the second quantitative indicator of the target account for multiple candidate resources based on the first quantitative indicator of the resources used by the target account and the resource similarity.

[0007] Optionally, a second quantitative indicator for the target account on multiple candidate resources is determined based on a first quantitative indicator of the resources used by the target account and resource similarity, including: obtaining the first quantitative indicator of the resources used by a first type of account; obtaining the first quantitative indicator of the first type of account on multiple candidate resources; determining the account similarity between the first type of account and the target account based on the first quantitative indicator of the resources used by the first type of account and the first quantitative indicator of the resources used by the target account; and determining the second quantitative indicator of the target account on multiple candidate resources based on the account similarity and the first quantitative indicator of the first type of account on multiple candidate resources.

[0008] Optionally, a second quantitative indicator for the target account on multiple candidate resources is determined based on account similarity and a first quantitative indicator for the first type of account on multiple candidate resources, including: obtaining the number of resources used by the first type of account; and determining the second quantitative indicator for the target account on multiple candidate resources based on the first quantitative indicator for the resources used by the target account, account similarity, the first quantitative indicator for the resources used by the first type of account, and the number of resources used by the first type of account.

[0009] Optionally, determining the target resource from multiple candidate resources based on the target account's second quantitative indicator for multiple candidate resources, and pushing the target resource to the target account, includes: weighting the target account's second quantitative indicator for multiple candidate resources to obtain multiple candidate second quantitative indicators; determining the second quantitative indicator with the highest second quantitative indicator among the multiple candidate second quantitative indicators as the target second quantitative indicator; determining the candidate resource corresponding to the target second quantitative indicator as the target resource, and pushing the target resource to the target account.

[0010] Optionally, the resources allocated by the bank to the first category accounts in the bank's existing accounts are allocated in the following ways: the first category accounts are further classified according to their account level; and the corresponding amount of resources are allocated to each category of first category accounts according to the classification results.

[0011] Optionally, account level is positively correlated with the amount of resources allocated.

[0012] Optionally, before obtaining the account information of the second type of account, the method further includes: sending an authorization request instruction to the terminal corresponding to the first type of account; and in response to the authorization request instruction, obtaining the account information of the second type of account from the operation log of the first type of account.

[0013] According to another aspect of the embodiments of this application, a resource push device is also provided, comprising: a first acquisition module, configured to acquire resources allocated by a bank to a first type of account in a bank's existing account set; a second acquisition module, configured to acquire account information of a second type of account, wherein the second type of account is an account that receives resources shared by the first type of account; a target module, configured to compare the account information of the second type of account with the account information in the bank's existing account set to determine a target account; an indicator module, configured to determine a second quantitative indicator of the target account for a plurality of candidate resources based on a first quantitative indicator of the target account for used resources; and a push module, configured to determine the target resource from the plurality of candidate resources based on the second quantitative indicator of the target account for the plurality of candidate resources, and push the target resource to the target account.

[0014] According to another aspect of the embodiments of this application, a non-volatile storage medium is also provided, the non-volatile storage medium including a stored program, wherein the above-mentioned resource push method of the device where the non-volatile storage medium is located is controlled when the program is running.

[0015] According to another aspect of the embodiments of this application, an electronic device is also provided, including a memory and a processor; the processor is used to run a program, wherein the program executes the above-described resource push method when it runs.

[0016] In this embodiment, the method involves: obtaining resources allocated by the bank to a first type of account in the bank's existing account set; obtaining account information of a second type of account, wherein the second type of account is the account that receives resources shared by the first type of account; comparing the account information of the second type of account with the account information in the bank's existing account set to determine the target account; determining the target account's second quantitative indicator for multiple candidate resources based on the first quantitative indicator of the resources used by the target account; determining the target resource from multiple candidate resources based on the target account's second quantitative indicator for multiple candidate resources, and pushing the target resource to the target account. By sharing resources from the first type of account to the second type of account in the bank's existing account set to determine the target account, and then using the target account's first quantitative indicator of the resources used by the target account for the second quantitative indicator of multiple candidate resources, the method achieves the goal of accurately obtaining the target account's second quantitative indicator for multiple candidate resources, thereby improving the technical effect of marketing efficiency and solving the technical problem of low marketing efficiency caused by inaccurate identification of customer preferences. Attached Figure Description

[0017] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0018] Figure 1This is a hardware structure block diagram of a computer terminal (or mobile device) for implementing a resource push method according to an embodiment of this application;

[0019] Figure 2 This is a schematic diagram of an optional resource push method according to an embodiment of this application;

[0020] Figure 3 This is an optional schematic diagram of obtaining a non-bank customer set through data comparison according to an embodiment of this application;

[0021] Figure 4 This is a schematic diagram of an optional resource push process according to an embodiment of this application;

[0022] Figure 5 This is a schematic diagram of an optional resource push example according to an embodiment of this application;

[0023] Figure 6 This is a schematic diagram of another optional resource push example according to an embodiment of this application;

[0024] Figure 7 This is a schematic diagram illustrating another optional resource push example according to an embodiment of this application;

[0025] Figure 8 This is an illustration of an optional bank classifying customers based on their star rating and assets, and configuring differentiated benefits and services for different customer tiers, according to an embodiment of this application.

[0026] Figure 9 This is an illustration of an optional bank configuring personalized products for different benefits and services according to an embodiment of this application;

[0027] Figure 10 This is a schematic diagram of an optional resource push device according to an embodiment of this application. Detailed Implementation

[0028] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0029] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0030] According to an embodiment of this application, a method embodiment for resource pushing is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0031] The methods and embodiments provided in this application can be executed on mobile terminals, computer terminals, or similar computing devices. Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a resource push method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device 10) may include one or more processors 102 (shown as 102a, 102b, ..., 102n in the figure) 102 (processor 102 may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.), a memory 104 for storing data, and a transmission module 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the I / O interface), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0032] It should be noted that the aforementioned one or more processors 102 and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be embodied, in whole or in part, in software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be integrated, in whole or in part, into any other element within the computer terminal 10 (or mobile device). As involved in the embodiments of this application, the data processing circuits serve as a processor control mechanism (e.g., selection of a variable resistor termination path connected to an interface).

[0033] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the resource push method in this embodiment of the invention. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby realizing the resource push method of the application described above. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0034] The transmission module 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by the communication provider of the computer terminal 10. In one example, the transmission module 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission module 106 may be a Radio Frequency (RF) module, used for wireless communication with the Internet.

[0035] The display can be, for example, a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10 (or mobile device).

[0036] Figure 2 This is a resource push method according to an embodiment of this application, such as... Figure 2 As shown, the method includes the following steps:

[0037] Step S202: Obtain the resources allocated by the bank to the first type of accounts in the bank's existing account set;

[0038] Step S204: Obtain the account information of the second type of account, wherein the second type of account is the account that received the resources shared by the first type of account;

[0039] Step S206: Compare the account information of the second type of account with the account information in the bank's existing account set to determine the target account;

[0040] Step S208: Determine the second quantitative indicator of the target account for multiple candidate resources based on the first quantitative indicator of the target account for the resources used;

[0041] Step S210: Determine the target resource from the multiple candidate resources based on the target account's second quantitative indicator of the multiple candidate resources, and push the target resource to the target account.

[0042] For ease of understanding, the term "customer" will be used to refer to accounts, but is not limited to customers.

[0043] It should be noted that the aforementioned first quantitative indicator includes, but is not limited to, customer rating indicators for resources. These rating indicators can represent a customer's level of preference for a given resource. For example, customers can input or select a score on an interactive interface, where scores range from 1 to 10, with higher scores indicating greater customer preference. The aforementioned second quantitative indicator includes, but is not limited to, customer preference indicators for resources, used to characterize a customer's inclination towards a resource. Preference indicators can include various forms of expression, such as the frequency of resource usage. The aforementioned second type of account includes existing bank customers and non-bank customers. The resources mentioned in this embodiment can be various products, benefits, and services provided by the bank. Before receiving resources shared by the first type of account, the second type of account can send an authorization request for information access to the bank server via a terminal device. This authorization grants the bank server the permission to access information such as the account information of the second type of account.

[0044] The customer information of the second type of customers is compared with the customer information of the bank's existing customers to determine the target customers; taking the second type of customers as set C1 and the existing bank customers as set C2 as an example, Figure 3 As shown, by comparing set C1 and set C2, we obtain the difference set D1 between set C1 and set C2. The difference set D1 is the target customer, i.e., non-bank customer.

[0045] The first type of customer belongs to the high-quality customers among the bank's existing customers, such as those with high credit scores and high deposit amounts. Specifically, for example... Figure 4As shown, the bank system filters high-quality customers based on information such as customer star rating and assets, manages customers in tiers, and provides differentiated benefits and services to different customer tiers through electronic channels such as mobile banking and online banking. Customer A in the first category can enjoy exclusive benefits and services provided by the bank, but Customer A can designate Customer B in the second category as the actual recipient of these benefits. Customer B can be the target customer, and Customer B's information is registered in the bank system. After using the benefits, Customer B can also rate and evaluate the benefits and provide feedback. The bank system records this information in detail as the data foundation for subsequent recommendation models.

[0046] Through the above steps, resources can be shared from the first type of account in the bank's existing accounts to the second type of account to determine the target account's reuse of the first quantitative indicator of the used resources and the second quantitative indicator of multiple candidate resources. This achieves the goal of accurately obtaining the target account's second quantitative indicator of multiple candidate resources, thereby improving the technical effect of marketing efficiency and solving the technical problem of low marketing efficiency caused by inaccurate identification of customer preferences.

[0047] Optionally, the first quantitative indicator of the target account for multiple candidate resources is determined based on the first quantitative indicator of the resources used by the target account, including: obtaining a set of resource similarities between all resources to be pushed and all resources used by the target account; determining the target resource similarity greater than a set similarity threshold from the resource similarity set, and determining the resource to be pushed corresponding to the target resource similarity as a candidate resource; and determining the second quantitative indicator of the target account for multiple candidate resources based on the first quantitative indicator of the resources used by the target account and the resource similarity.

[0048] Specifically, taking the above-mentioned Customer A and Customer B (Customer B is the target customer) as an example, the first quantitative indicator is represented by a scoring indicator, and the second quantitative indicator is represented by a preference index. Figure 5 As shown, a bank account manager can, based on the exclusive audio-visual membership benefits used by customer B, create alternative products (e.g., product j) with similar attributes and recommend them to customer B. By analyzing customer B's rating indicators for the products they use, a preference index (sim) for product j can be calculated. Bj The specific calculation formula is shown below:

[0049]

[0050] P(B) represents the set of products used by customer B, W jx R represents the similarity between product j and product x. Bx This represents customer B's rating index for product x.

[0051] By calculating the similarity between all products used by customer B and product j (alternative resource), an index of customer preference for the product is obtained, which serves as the basis for whether to recommend the product to the customer.

[0052] The customer's preference index for the product calculated by the above formula (1) can be used by the bank to formulate marketing recommendation rules. However, the rules that the bank can formulate are relatively limited and fixed, and it is not easy to handle complex attributes. Therefore, in some optional methods, the second quantitative index of the target account for multiple candidate resources is determined based on the first quantitative index of the target account for the resources used and the resource similarity. This includes: obtaining the first quantitative index of the first type of account for the resources used; obtaining the first quantitative index of the first type of account for multiple candidate resources; determining the account similarity between the first type of account and the target account based on the first quantitative index of the first type of account for the resources used and the first quantitative index of the target account for the resources used; and determining the second quantitative index of the target account for multiple candidate resources based on the account similarity and the first quantitative index of the first type of account for multiple candidate resources. In some alternative methods, the account similarity between the first type of account and the target account is determined based on the first quantitative indicator of the resources used by the first type of account and the first quantitative indicator of the resources used by the target account. The first quantitative indicator of the resources used by the first type of account can be transformed into a first spatial vector, and the first quantitative indicator of the resources used by the target account can be transformed into a second spatial vector. The customer similarity is determined based on the first spatial vector, the second spatial vector, and the cosine formula of the angle between the vectors.

[0053] Specifically, taking the aforementioned customer A and customer B (customer B being the target customer) as examples, such as... Figure 6 As shown, Customer A and Customer B became connected through the receipt and use of exclusive bank benefits. Both have similar interests in the bank's audiovisual membership products. Customer A also has a VISA card with the bank and has experience with overseas shopping and traveling abroad. The evaluations of all the products experienced by the customers at the bank are transformed into a multi-dimensional vector space, represented as R(x1,x2,...,x...). n Then, the first spatial vector corresponding to customer A can be represented as R. A (A1,A2,...,A n The second spatial vector corresponding to customer B can be represented as R. B (B1,B2,...,B n To calculate the similarity between two customers, we can determine it by calculating the angle between their vectors in a multidimensional space; the smaller the angle, the greater the similarity. For vector R... A (A1,A2,...,A n ) and vector R B (B1,B2,...,B nThe angle between vectors can be calculated using the cosine formula, as shown in the following equation:

[0054]

[0055] cosθ represents the cosine of the angle between the vectors (0 ≤ cosθ ≤ 1). When cosθ = 0, it indicates that they are completely different; when cosθ = 1, it indicates that they are completely the same. i B represents the element of the first spatial vector; i Represents the elements of the second spatial vector.

[0056] Taking the above customer A and customer B (customer B is the target customer) as an example, if customer A has used product j but customer B has not used product j, the specific calculation formula for determining the target account's second quantitative indicator for multiple candidate resources based on account similarity and the first quantitative indicator of the first type of account for multiple candidate resources is as follows:

[0057]

[0058] In the formula, R Aj This represents customer A's rating of product j.

[0059] When customer data is limited, a second quantitative indicator for the target account on multiple candidate resources is determined based on account similarity and a first quantitative indicator for the first type of account on multiple candidate resources. This includes: obtaining the number of resources used by the first type of account; and determining the second quantitative indicator for the target account on multiple candidate resources based on the first quantitative indicator for the resources used by the target account, account similarity, the first quantitative indicator for the resources used by the first type of account, and the number of resources used by the first type of account.

[0060] Specifically, taking customer A and customer B (customer B being the target customer) as examples, the formula is as follows:

[0061]

[0062] In the formula, m represents the total number of resources to be pushed, and n represents the number of products that customer A has used.

[0063] If, after calculating the second quantitative indicator using formula (4), it is still found that there is insufficient data support in the early stage of system operation, the preference index can be weighted according to the predetermined expert rules; the preference index of the target account for multiple alternative resources can be weighted to obtain multiple alternative preference indices; the alternative preference index with the highest preference index among the multiple alternative preference indices can be determined as the target preference index; the alternative resource corresponding to the target preference index can be determined as the target resource, and the target resource can be pushed to the target account.

[0064] Taking customer A and customer B (customer B being the target customer) as examples, the calculation formula for the second quantitative indicator is as follows:

[0065]

[0066] It should be noted that the pre-set rules are determined based on the accumulated experience of experts, including but not limited to: having purchased a house with a loan, which may indicate that the person is already married; using an international credit card for online shopping from overseas, which may be for purchasing baby formula for their child; purchasing funds or wealth management products, which may indicate that the family has a stable income, is married, and has children; obtaining a car owner's card, which indicates the purchase of a vehicle for the convenience of family members, and so on. Figure 7 As shown.

[0067] Optionally, the resources allocated by the bank to the first category of accounts in the bank's existing accounts are allocated in the following ways: the first category of accounts are further classified according to their account level; and a corresponding number of resources are allocated to each category of first category accounts according to the classification results; wherein the account level is positively correlated with the number of resources allocated.

[0068] It should be noted that the determination of account level includes, but is not limited to, the amount of money stored in the account.

[0069] Specifically, such as Figure 8 As shown, the bank stratifies its clients based on their star rating and assets, and provides differentiated benefits and services to different tiers. These include: "Clients with a star rating of 5 stars or higher and assets between 200,000 and 1,000,000 (excluding 1,000,000)," "Clients with assets between 1,000,000 and 8,000,000 (excluding 8,000,000)," "Private banking clients with assets of 8,000,000 or higher and a star rating of 7 stars or higher," "Clients can receive one exclusive benefit per month," "Clients are awarded star points based on their assets, which can be redeemed for exclusive benefits," and "Clients are awarded private benefits, enjoying the prestigious privileges of private banking clients." For clients with a star rating of 5 stars or higher and assets between 200,000 and 1,000,000 (excluding 1,000,000), the bank provides a product that allows them to receive a monthly benefit. For clients with assets between RMB 1 million (inclusive) and RMB 8 million (exclusive), in addition to the monthly "Enjoyment Benefits" service, the bank distributes additional "Star Points" monthly based on the clients' assets. These Star Points accumulate and can be redeemed for premium benefit products before they expire. For clients with assets of RMB 8 million (inclusive) or more and a client rating of 7 stars (inclusive) or higher, who are considered private banking clients, in addition to the Enjoyment and Premium Benefits services, they also receive additional high-end private benefit products. For example, the bank provides personalized products for different benefit services, such as... Figure 9As shown, these include: "Enjoyment Benefits Products", "Premium Benefits Products", "Private Benefits Products", "Audiovisual Membership", "Book Membership", "Shopping Membership", "Recharge Service", "Travel / Pick-up Service", and "Medical / Physical Examination Service".

[0070] This application also provides a resource push device, such as... Figure 10 As shown, it includes: a first acquisition module 110, used to acquire resources allocated by the bank to a first type of account in the bank's existing account set; a second acquisition module 112, used to acquire account information of a second type of account, wherein the second type of account is the account that receives resources shared by the first type of account; a target module 114, used to compare the account information of the second type of account with the account information in the bank's existing account set to determine the target account; an indicator module 116, used to determine a second quantitative indicator of the target account for multiple candidate resources based on a first quantitative indicator of the target account for the resources used; and a push module 118, used to determine the target resource from multiple candidate resources based on the second quantitative indicator of the target account for multiple candidate resources, and push the target resource to the target account.

[0071] The first acquisition module 110 includes an allocation submodule, which is used to further classify the first type of accounts according to their account quality; and push corresponding resources to each type of first type of account according to the classification results; wherein, the account level is positively correlated with the amount of resources allocated.

[0072] The second acquisition module 112 includes: a request submodule, which is used to send an authorization request instruction to the terminal corresponding to the first type of account; and in response to the authorization request instruction, to obtain the account information of the second type of account from the operation log of the first type of account.

[0073] The indicator module 116 includes: a first indicator submodule, a second indicator submodule, a third indicator submodule, and a push submodule. The first indicator submodule is used to obtain the resource similarity set corresponding to all resources to be pushed and all resources used by the target account; determine the target resource similarity greater than a set similarity threshold from the resource similarity set, and determine the resource to be pushed corresponding to the target resource similarity as a candidate resource; determine the second quantitative indicator of the target account for multiple candidate resources based on the first quantitative indicator of the used resources of the target account and the resource similarity. The second indicator submodule is used to obtain the first quantitative indicator of the used resources of a first type of account; obtain the first quantitative indicator of the first type of account for multiple candidate resources; determine the first quantitative indicator of the used resources of the first type of account and the target account based on the first quantitative indicator of the used resources of the first type of account and the first quantitative indicator of the used resources of the target account. The system performs several steps: First, it calculates the account similarity of the target account. Second, it determines the target account's second quantitative indicator for multiple candidate resources based on the account similarity and the first quantitative indicator of the first type of account for multiple candidate resources. Third, it obtains the number of resources used by the first type of account. Fourth, it determines the target account's second quantitative indicator for multiple candidate resources based on the first quantitative indicator of the used resources, account similarity, the first quantitative indicator of the used resources by the first type of account, and the number of resources used by the first type of account. Fifth, it pushes the target account's second quantitative indicator for multiple candidate resources by weighting it to obtain multiple candidate second quantitative indicators. Sixth, it identifies the second quantitative indicator with the highest second quantitative indicator among the multiple candidate second quantitative indicators as the target second quantitative indicator. Finally, it identifies the candidate resource corresponding to the target second quantitative indicator as the target resource and pushes the target resource to the target account.

[0074] According to another aspect of the embodiments of this application, a non-volatile storage medium is also provided, the non-volatile storage medium including a stored program, wherein the above-mentioned resource push method of the device where the non-volatile storage medium is located is controlled when the program is running.

[0075] According to another aspect of the embodiments of this application, an electronic device is also provided, including a memory and a processor; the processor is used to run a program, wherein the program executes the above-described resource push method when it runs.

[0076] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0077] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0078] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual couplings, direct couplings, or communication connections may be through some interfaces; indirect couplings or communication connections between units or modules may be electrical or other forms.

[0079] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0080] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0081] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0082] The above are merely preferred embodiments of this application. It should be noted that those skilled in the art can make various improvements and modifications without departing from the principles of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A resource push method, characterized in that, include: Obtain resources allocated by the bank to the first type of accounts in the bank's existing account set; Obtain account information for the second type of account, wherein the second type of account is the account that received the resources shared by the first type of account; The account information of the second type of account is compared with the account information in the bank's existing account set to determine the target account, which is a non-bank account in the second type of account; Based on the first quantitative indicator of the target account's use of resources, a second quantitative indicator of the target account's use of multiple candidate resources is determined. The first quantitative indicator includes a rating indicator of the account's use of resources, which is used to represent the account's degree of liking for resources. The second quantitative indicator includes an indicator of the account's degree of liking for resources, which is used to characterize the account's inclination towards resources. Based on the second quantitative indicator of the target account for the multiple candidate resources, a target resource is determined from the multiple candidate resources, and the target resource is pushed to the target account; Based on the first quantitative indicator of the target account for the resources used, a second quantitative indicator for the target account for multiple candidate resources is determined, including: Obtain the resource similarity set between all resources to be pushed and all resources already used by the target account; From the resource similarity set, determine the target resource similarity greater than the set similarity threshold, and determine the resource to be pushed corresponding to the target resource similarity as the candidate resource; Based on the first quantitative indicator of the target account for the resources already used and the resource similarity, a second quantitative indicator of the target account for multiple candidate resources is determined.

2. The method according to claim 1, characterized in that, The step of determining a second quantitative indicator for the target account on multiple candidate resources based on a first quantitative indicator of the used resources and the resource similarity includes: Obtain the first quantitative indicator of the resources used by the first type of account; Obtain the first quantitative indicator of the first type of account for the multiple candidate resources; The account similarity between the first type of account and the target account is determined based on a first quantitative indicator of the resources used by the first type of account and a first quantitative indicator of the resources used by the target account. Specifically, the first quantitative indicator of the resources used by the first type of account is converted into a first spatial vector, and the first quantitative indicator of the resources used by the target account is converted into a second spatial vector. The account similarity between the first type of account and the target account is then determined based on the first spatial vector, the second spatial vector, and the cosine formula of the angle between the vectors. The second quantitative indicator of the target account for the multiple candidate resources is determined based on the account similarity and the first quantitative indicator of the first type of account for the multiple candidate resources.

3. The method according to claim 2, characterized in that, The step of determining the second quantitative indicator of the target account for the multiple candidate resources based on the account similarity and the first quantitative indicator of the first type of account for the multiple candidate resources includes: Get the number of resources that the first type of account has used; The second quantitative indicator of the target account for multiple candidate resources is determined based on the first quantitative indicator of the resources used by the target account, the account similarity, the first quantitative indicator of the resources used by the first type of account, and the number of resources used by the first type of account.

4. The method according to claim 3, characterized in that, Based on the target account's second quantitative indicator of multiple candidate resources, a target resource is determined from the multiple candidate resources, and the target resource is pushed to the target account, including: The target account is weighted for the second quantitative indicators of multiple candidate resources to obtain multiple candidate second quantitative indicators; The second quantitative indicator with the highest value among the multiple candidate second quantitative indicators is determined as the target second quantitative indicator; The candidate resources corresponding to the second quantitative indicator of the target are determined as the target resources, and the target resources are pushed to the target account.

5. The method according to claim 1, characterized in that, Resources allocated by the bank to Type 1 accounts within the bank's existing account portfolio are distributed in the following ways: The first type of accounts are further classified according to their account level; Based on the classification results, allocate the corresponding amount of resources to each category of the first category of accounts.

6. The method according to claim 5, characterized in that, The account level is positively correlated with the amount of resources allocated.

7. The method according to claim 1, characterized in that, Before obtaining the account information of the second type of account, the method further includes: Send an authorization request instruction to the terminal corresponding to the first type of account; In response to the authorization request instruction, the account information of the second type of account is obtained from the operation log of the first type of account.

8. A resource delivery device, characterized in that, include: The first acquisition module is used to acquire the resources allocated by the bank to the first type of accounts in the bank's existing account set; The second acquisition module is used to acquire account information of a second type of account, wherein the second type of account is the account that received the resources shared by the first type of account; The target module is used to compare the account information of the second type of account with the account information in the bank's existing account set to determine the target account, wherein the target account is a non-bank account in the second type of account; The metrics module is used to determine a second quantitative metric for the target account on multiple candidate resources based on a first quantitative metric for the resources used by the target account. The push module is used to determine the target resource from the multiple candidate resources based on the second quantitative indicator of the target account's preference for the multiple candidate resources, and to push the target resource to the target account. The first quantitative indicator includes the account's rating indicator for the resource, which is used to represent the account's degree of preference for the resource. The second quantitative indicator includes the account's degree of preference indicator for the resource, which is used to characterize the account's inclination towards the resource. Based on the first quantitative indicator of the target account for the resources used, a second quantitative indicator for the target account for multiple candidate resources is determined, including: Obtain the resource similarity set between all resources to be pushed and all resources already used by the target account; From the resource similarity set, determine the target resource similarity greater than the set similarity threshold, and determine the resource to be pushed corresponding to the target resource similarity as the candidate resource; Based on the first quantitative indicator of the target account for the resources already used and the resource similarity, a second quantitative indicator of the target account for multiple candidate resources is determined.

9. A non-volatile storage medium, characterized in that, The non-volatile storage medium includes a stored program, wherein, when the program is running, it controls the device where the non-volatile storage medium is located to execute the resource push method according to any one of claims 1 to 6.

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