User information processing method, device, equipment, storage medium and program product

Abstract

The present application discloses a user information processing method, device, computer equipment, storage medium and computer program product, which relates to the field of big data intelligent analysis technology. The method includes: receiving a user identification sent by a terminal; reading a pre-configured user information processing rule from a database, and determining the information dimension corresponding to the user information processing rule; obtaining multi-dimensional user information corresponding to the user identification and the information dimension; processing the multi-dimensional user information according to the user information processing rule to obtain a user level; determining the product information corresponding to the user identification; determining the current product level of each of the product information corresponding to the user level, and sending each of the current product levels to the terminal. The use of this method can improve data processing efficiency.

Description

Technical Field

[0001] The present application relates to the technical field of big data intelligent analysis, and in particular to a user information processing method, apparatus, computer equipment, storage medium and computer program product. Background Art

[0002] With the development of computer technology in the financial field, the number of merchants acquiring transactions at banks is also growing exponentially.

[0003] In traditional technology, the merchant's contribution is determined by manually checking the merchant's transaction report, and the merchant's handling fee is then discounted accordingly based on the level of contribution.

[0004] However, with the exponential growth in the number of merchants and the increase in data dimensions in transaction reports, manual operations can no longer meet the corresponding business needs. They are unable to handle the review and classification of massive reports, and they are also unable to grasp the dynamic and changeable contribution determination principles. Therefore, it is necessary to improve the data processing efficiency of determining the corresponding discounts for merchants based on their data. Summary of the invention

[0005] Based on this, it is necessary to provide a user information processing method, apparatus, computer equipment, computer-readable storage medium and computer program product that can improve data processing efficiency in response to the above technical problems.

[0006] In a first aspect, the present application provides a user information processing method, the method comprising: receiving a user identification sent by a terminal; reading a pre-configured user information processing rule corresponding to the user identification from a database, and determining an information dimension corresponding to the user information processing rule; obtaining multidimensional user information corresponding to the user identification and the information dimension in a multi-threaded manner; processing the multidimensional user information according to the user information processing rule to obtain a user level; determining product information corresponding to the user identification; determining a current product level of each piece of product information corresponding to the user level, and sending each current product level to the terminal.

[0007] In one of the embodiments, the method further includes: querying a target user level corresponding to the user level; generating user prompt information based on the target user level and the multi-dimensional user information, the user prompt information including data differences between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; and sending the user prompt information to the terminal.

[0008] In one of the embodiments, the reading of the pre-configured user information processing rule from the database includes: obtaining a configuration file, and reading from the database the user information processing rule pre-configured in the configuration file and corresponding to the user identifier.

[0009] In one of the embodiments, before reading the pre-configured user information processing rules corresponding to the user identifier from the database, it also includes: obtaining historical user data, the historical user data including historical user information and historical product level changes; grouping the historical user information to obtain initial groups; grouping the historical user information in the initial groups according to the historical product level changes to obtain target groups; obtaining multi-dimensional historical user information changes corresponding to the product level changes in each of the target groups; and screening according to the multi-dimensional historical user information changes to determine the user information processing rules.

[0010] In one of the embodiments, the processing of the multidimensional user information according to the user information processing rule to obtain the user level includes: obtaining a preset coefficient corresponding to the classification of the current date; and processing the multidimensional user information according to the preset coefficient and the user information processing rule to obtain the corresponding user level.

[0011] In one of the embodiments, the method further includes: generating a corresponding report according to the multi-dimensional user information and the current product level of each of the product information, and pushing the report to the target user.

[0012] In one of the embodiments, the receiving the user identification sent by the terminal includes: receiving a data processing request sent by a cache, the data processing request carrying the user identification, and the user identification is the user identification sent by each terminal received and stored by the cache.

[0013] In a second aspect, the present application also provides a user information processing device, the device comprising: an identification receiving module, used to receive a user identification sent by a terminal; a rule reading module, used to read a pre-configured user information processing rule corresponding to the user identification from a database, and determine the information dimension corresponding to the user information processing rule; an information acquisition module, used to obtain multi-dimensional user information corresponding to the user identification and the information dimension in a multi-threaded manner; a level determination module, used to process the multi-dimensional user information according to the user information processing rule to obtain a user level; an information determination module, used to determine the product information corresponding to the user identification; an information sending module, used to determine the current product level of each of the product information corresponding to the user level, and send each of the current product levels to the terminal

[0014] In one of the embodiments, the device also includes: a query module, used to query the target user level corresponding to the user level; a prompt information generation module, used to generate user prompt information according to the target user level and the multi-dimensional user information, the user prompt information including the data difference between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; a prompt information sending module, used to send the user prompt information to the terminal.

[0015] In one of the embodiments, the rule reading module includes: a file acquisition module, which is used to acquire a configuration file and read the user information processing rule corresponding to the user identifier pre-configured in the configuration file from a database.

[0016] In one of the embodiments, the device also includes: a historical data acquisition module, used to acquire historical user data, the historical user data including historical user information and historical product level changes; an initial grouping module, used to group the historical user information to obtain an initial group; a target grouping module, used to group the historical user information in the initial group according to the historical product level changes to obtain a target group; a second acquisition module, used to acquire multi-dimensional historical user information changes corresponding to the product level changes in each of the target groups; and a screening module, used to screen according to the multi-dimensional historical user information changes to determine user information processing rules.

[0017] In one of the embodiments, the level determination module includes: a coefficient acquisition module, used to obtain a preset coefficient corresponding to the classification of the current date; and a second determination module, used to process the multidimensional user information according to the preset coefficient and the user information processing rule to obtain the corresponding user level.

[0018] In one of the embodiments, the device further comprises: a report generation module, configured to generate a corresponding report according to the multi-dimensional user information and the current product level of each of the product information, and push the report to a target user.

[0019] In one embodiment, the identification receiving module includes: receiving a data processing request sent by a cache, the data processing request carries a user identification, and the user identification is a user identification sent by each terminal received by the cache and stored. In a third aspect, the present application also provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0020] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the steps of the above method when executed by a processor.

[0021] In a fifth aspect, the present application further provides a computer program product, wherein the computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the above method are implemented.

[0022] The above-mentioned user information processing method, device, equipment, storage medium and program product can enable the server to automatically determine the current product level of each product of the user through a computer, which is more efficient. Only obtaining user information of the information dimension corresponding to the user information processing rule can reduce the amount of data query. Only the preferential level of the product corresponding to the user is calculated. If the user does not have this product, no processing is required, which reduces the amount of data processing and further improves the efficiency of user information processing. And by pre-configuring different user information processing rules, the division method of product levels can be flexibly changed to adapt to more application scenarios, so that the present application can formulate different user information processing rules according to different multi-dimensional user information in different periods or locations. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 An application environment diagram of a user information processing method in an embodiment;

[0024] Figure 2 is a flowchart of a method for processing user information in one embodiment;

[0025] Figure 3 is a flowchart of a method for processing user information in another embodiment;

[0026] Figure 4 is a schematic diagram of the architecture of a user information processing method in another embodiment;

[0027] Figure 5 is a structural block diagram of a user information processing device in one embodiment;

[0028] Figure 6 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0029] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0030] The user information processing method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The server 104 receives the user identification sent by the terminal 102; reads the pre-configured user information processing rules corresponding to the user identification from the database, and determines the information dimension corresponding to the user information processing rules in a multi-threaded manner; obtains the multi-dimensional user information corresponding to the user identification and the information dimension; processes the multi-dimensional user information according to the user information processing rules to obtain the user level; determines the product information corresponding to the user identification; determines the current product level of each product information corresponding to the user level, and sends each current product level to the terminal 102. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented with an independent server or a server cluster consisting of multiple servers.

[0031] In one embodiment, Figure 2 As shown, a user information processing method is provided, and the method is applied to Figure 1 The server in the example is used to illustrate the following steps:

[0032] Step 202: Receive a user identification sent by a terminal.

[0033] The user identifier is a unique ID used to distinguish the identity of the user. Optionally, the user identifier is a user name. This application does not limit the specific fields of the user identifier, and any field that can distinguish the identity of the user can be used.

[0034] Specifically, the server receives the user identification sent by the terminal.

[0035] Step 204, read the pre-configured user information processing rule corresponding to the user identifier from the database, and determine the information dimension corresponding to the user information processing rule.

[0036] Among them, the user information processing rules are rules for processing user information of each dimension, and different user information processing rules correspond to different dimensions of user information. It can be understood that the user information processing rule is at least one user information processing rule, and can also be multiple. Correspondingly, the dimension of user information is at least one dimension of user information, and can also be multiple dimensions of user information.

[0037] Specifically, the server reads a pre-set user information processing rule corresponding to the user identifier from the database, and determines the dimension of the user information to be processed, that is, the information dimension, according to the user information processing rule.

[0038] Optionally, users can be grouped and different rules can be used for users in different regions to achieve diversified processing, making rule processing more accurate. For example, users in Shanghai need to meet 20w to reach level 1, while in Guizhou and other places, 10w is enough.

[0039] Step 206: Acquire multi-dimensional user information corresponding to the user identification and information dimension in a multi-threaded manner.

[0040] Among them, the multi-dimensional user information is the user information corresponding to each information dimension.

[0041] Specifically, the server obtains the user information corresponding to each information dimension of the user identifier according to the user identifier and the information dimension. If the user information is stored in different databases, for example, a business system may correspond to a database, and when data from multiple business systems needs to be obtained, data is obtained from multiple business systems respectively through multi-threading to improve the efficiency of data integration.

[0042] Step 208: Process the multi-dimensional user information according to the user information processing rule to obtain the user level.

[0043] The user level is used to indicate the level of the user. There are multiple user levels, and different users may have different user levels. This application does not limit the number of user levels, and the number of user levels may be preset according to the needs.

[0044] Specifically, the server processes the multi-dimensional information according to the user information processing rule, obtains the level information of each dimensional information, and determines the user level of the user according to the level information of each dimensional.

[0045] Step 210: Determine product information corresponding to the user identification.

[0046] The product information includes information about each product used by the user ID.

[0047] Specifically, the server determines information about each product used by the user according to the user identification obtained by the user.

[0048] Step 212, determining the current product level of each product information corresponding to the user level, and sending each current product level to the terminal.

[0049] The product level is the level of each product used by the user. The products used by the user have different levels, and the product level has a mapping relationship with the user level of the user.

[0050] Specifically, the server determines the current product level of each product used by the user according to the user level of the user, and sends the current product level of each product used by the user to the terminal.

[0051] The terminal provides corresponding services according to the current product level of each product of the user. Optionally, the services provided by the terminal for each product level can be preset.

[0052] In the above user information processing method, the server can automatically determine the current product level of each product of the user through a computer, which is more efficient. Only obtaining the user information of the information dimension corresponding to the user information processing rule can reduce the amount of data query. Only calculating the preferential level of the product corresponding to the user, the user does not need to process if the product does not exist, reducing the amount of data processing, and further improving the efficiency of user information processing. And by pre-configuring different user information processing rules, the division method of product levels can be flexibly changed to adapt to more application scenarios, so that the present application can formulate different user information processing rules according to different multi-dimensional user information in different periods or places. In a specific embodiment, the terminal sends the user identification of each merchant to the server. The server of the bank receives the user identification sent by the terminal, and reads the pre-configured user information processing rules from the database according to the user identification, and determines the information dimension corresponding to the user information processing rules. The server obtains the multi-dimensional user information corresponding to the user identification and the information dimension, and processes the multi-dimensional user information according to the user information processing rules to obtain the user level. For example, the server processes the information of each dimension according to the user information processing rules, obtains the score corresponding to the user in each dimension, and obtains the user level of the user according to the weight of the score and the range of the value. The server determines the corresponding product information based on the user identification. For example, the server determines that the products used by the user include but are not limited to merchant fees, deposit interest, loan interest, loan amount, fund purchase, physical precious metals, and credit card points based on the user identification. The server determines the current product level of the products used by the user based on the user level, and sends each current product level to the terminal. The terminal executes the corresponding preferential rules based on the current product level of each product corresponding to the user identification. The server queries the target user level corresponding to the user level, and the target user level can be the next higher level of the current user level. The server generates user prompt information based on the target user level and multi-dimensional user information. The user prompt information includes the data difference between each information dimension corresponding to the user level and each information dimension corresponding to the target user level, and sends the user prompt information to the terminal. The user can obtain the preferential information of the next target level and the gap with the next level based on the received user prompt information, so as to motivate the user to reach the target user level and increase user stickiness or enthusiasm.

[0053] In one embodiment, it also includes: querying the target user level corresponding to the user level; generating user prompt information according to the target user level and multi-dimensional user information, the user prompt information including the data difference between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; sending the user prompt information to the terminal.

[0054] The user level can be divided into multiple different levels from high to low, and the target user level is a level higher than the current level of the user.

[0055] Specifically, the server queries the target user level corresponding to the user level; obtains data of each information dimension corresponding to the target user level according to the target user level and the user information processing rule; obtains data differences of each information dimension according to the user's current multi-dimensional user information and the multi-dimensional user information corresponding to the target user level. The server generates corresponding user prompt information according to the target user level, the multi-dimensional user information and the above data differences, and sends the above user prompt information to the terminal.

[0056] Optionally, the terminal sends the user prompt information to the user terminal of the corresponding user. Preferably, the user terminal that receives the user prompt information is the user's mobile phone text message. The present application does not limit the user terminal that receives the user prompt information, and it can receive the user prompt information through multiple channels, including but not limited to text messages, WeChat public accounts, mobile banking, online banking, etc. Optionally, the user prompt information includes the data difference, and / or the product level corresponding to the target user level, and / or the characteristics of the product level corresponding to the target user level.

[0057] In the above user information processing method, user prompt information is generated according to the target user level and multi-dimensional user information, and the user is prompted with the user prompt information about the gap between the user and the target user level and the characteristics of the target user level are displayed, thereby motivating the user to reach the target user level.

[0058] In one embodiment, reading the pre-configured user information processing rule corresponding to the user identification from the database includes: obtaining a configuration file, and reading the pre-configured user information processing rule corresponding to the user identification in the configuration file from the database.

[0059] The configuration file includes pre-configured user information processing rules.

[0060] Specifically, the server obtains a configuration file including user information processing rules, and reads the user information processing rules corresponding to the user identifier in the configuration file from the database, so as to process the multi-dimensional user information according to the user information processing rules in the configuration file obtained above. The user information processing rules are updated through the configuration file.

[0061] The above user information processing method stores user information processing rules in a configuration file. By updating the configuration file, the user information processing rules therein can be updated accordingly. The user information processing rules can be flexibly changed to meet the needs of different periods.

[0062] In one embodiment, before reading the pre-configured user information processing rules corresponding to the user identifier from the database, it also includes: obtaining historical user data, the historical user data including historical user information and historical product level changes; grouping the historical user information to obtain initial groups; grouping the historical user information in the initial groups according to historical product level changes to obtain target groups; obtaining multi-dimensional historical user information changes corresponding to product level changes in each target group; and screening according to the multi-dimensional historical user information changes to determine the user information processing rules.

[0063] The historical user data is the historical data of at least one user. The historical user information is the information of all dimensions of a user. The historical product level change can be understood as the increase or decrease of the historical product level.

[0064] Specifically, the server obtains historical user data of at least one user, and the historical user data includes historical user information and historical product level changes. The server obtains the mapping relationship between historical user information and historical product levels of different institutions based on big data, and groups the historical user information according to different mapping relationships to obtain different initial groups. The server groups the historical user information of each initial group according to the changes in each historical product level to obtain a corresponding target group. Among them, a target group includes a collection of historical user information in each initial group corresponding to an increase or decrease in a historical product level. The server obtains multi-dimensional historical user information changes corresponding to product level changes in each target group; and screens according to the multi-dimensional historical user information changes to determine user information processing rules that meet the requirements.

[0065] The above user information processing method analyzes historical user data through big data to screen out user information processing rules that meet the needs. Different user information processing rules can be obtained according to different needs, which is flexible.

[0066] In one embodiment, multi-dimensional user information is processed according to user information processing rules to obtain user levels, including: obtaining preset coefficients corresponding to the classification of the current date; and processing multi-dimensional user information according to the preset coefficients and user information processing rules to obtain corresponding user levels.

[0067] Specifically, the server sets corresponding preset coefficients according to different date categories according to the configuration instructions. It is understandable that the preset coefficients can be changed under different requirements. The server obtains the preset coefficients corresponding to the classification of the current date, and processes the multidimensional user information of the user according to the preset coefficients to eliminate the influence of the date on the multidimensional information. The server performs the processing in the above embodiment on the multidimensional user information processed by the preset coefficients according to the user information processing rules to obtain the corresponding user level.

[0068] The above-mentioned user information processing method eliminates the fluctuation of transaction data generated in different periods in the financial field by setting corresponding preset coefficients for different categories of dates, so that the user level obtained by the user information processing method of the present application has less fluctuation and is more accurate.

[0069] In one embodiment, a corresponding report is generated according to the multi-dimensional user information and the current product level of each product information, and the report is pushed to the target user.

[0070] The target user may be the manager of each product. For example, when each product is a financial product, the target user is the manager of each financial product.

[0071] Specifically, the server generates a corresponding report based on the multi-dimensional user information and the current product level of each product information, and pushes the report to the target user. Optionally, there may be multiple reports, including but not limited to a report showing the multi-dimensional user information of each user, a report showing the current product level of each user, a report showing the difference between the current product level and the product target level, etc. Among them, the product target level is preset according to the needs of the target user or preset needs and calculated.

[0072] Optionally, the server pushes the report to the target user through at least one of a plurality of channels including but not limited to text messages, WeChat public accounts, mobile banking, online banking, and the like.

[0073] The user information processing method above shows the multi-dimensional relationship between the user and each product to the target user through a report, so that the target user can understand the relationship between the user and each product more intuitively.

[0074] In one embodiment, receiving the user identification sent by the terminal includes: receiving a data processing request sent by a cache, the data processing request carries the user identification, and the user identification is the user identification sent by each terminal received and stored by the cache.

[0075] In a specific embodiment, the user information processing method of the present application is applied to a bank, and the process of processing the merchant information of the bank is as follows: Figure 3 As shown, including:

[0076] The server obtains at least one of different merchant information processing rules, historical merchant information and historical product level changes of each bank and each branch. The server groups the historical merchant information according to different merchant information processing rules or the mapping relationship between historical merchant information and historical product levels to obtain initial groups. The server groups the historical merchant information of each initial group according to the historical product level changes to obtain corresponding target groups. Among them, a target group includes a collection of historical merchant information in each initial group corresponding to an increase or decrease in a historical product level. The server obtains the multi-dimensional historical merchant information changes corresponding to the product level changes in each target group; and screens according to the multi-dimensional historical merchant information changes to determine the merchant information processing rules that meet the requirements. Among them, the merchant processing rules specifically include the assessment cycle, the assessment standard, the product level corresponding to the merchant's user level, the product information corresponding to each level, and the total amount of each product. Among them, the merchant information processing preferential rules support the query of the process, for example, querying the historical records of the merchant information processing rules. Optionally, the merchant information processing rules are in a pre-configured configuration file, and the content of the configuration file needs to execute the "one person input, one person review" rule to reduce the occurrence of errors. Assessment criteria: convert the deposit of the settlement account bound to the merchant terminal, the AUM (asset under management) of the merchant legal person, the AUM of the merchant customer information, the deposit of the merchant legal person, the merchant's transaction amount, the number of merchant transactions, the merchant's commission income, the total loan interest of the merchant's public account, the loan interest of the merchant legal person, the loan amount of the merchant legal person, the credit card level of the merchant legal person, etc. into the corresponding contribution. Assessment cycle: In order to meet the different assessment standards of each bank and branch, the assessment cycle of the merchant's contribution can be set as the annual average daily, monthly average daily and the end of the month. Products include merchant fees, deposit interest, loan interest, loan amount, fund purchase, physical precious metals, credit card points, and others. Different levels of products represent the different costs or benefits that merchants spend on products of the same scale. User levels are divided according to the contribution scores. The product information corresponding to each level is the product level corresponding to the merchant at the corresponding user level. The corresponding handling fee preferential points, deposit preferential points, loan preferential points, loan limit coefficient, fund handling fee preferential points, physical precious metal discount rate, and credit card point coefficient are different for different product levels. The total amount of each product is the total merchant handling fee preferential amount, deposit interest preferential amount, loan interest preferential amount, maximum loan increase amount, fund preferential handling fee amount, physical precious metal preferential amount, total credit card preferential points, etc.Historical merchant information includes but is not limited to merchant data in various dimensions, such as merchant identity: merchant attributes, contact person, legal person, channel, and payment tool; customer information: customer attributes, customer number; merchant deposits: corporate deposits, personal deposits, annual average daily deposits, monthly average daily deposits, and point-in-time deposits; customer AUM: corporate customer AUM, personal customer AUM, annual average daily AUM, monthly average daily AUM, and point-in-time AUM.

[0077] The server receives the merchant identification sent by the terminal, and determines the information dimension of the merchant to be processed according to the merchant information processing rule established above, so as to obtain multi-dimensional merchant information corresponding to the merchant identification.

[0078] The server sends the above-mentioned merchant information processing rules and multi-dimensional merchant information to the compliance engine. The compliance engine generates a report based on the merchant information processing rules and the multi-dimensional merchant information, and sends the above report to the target user. Optionally, the target user is the merchant experience management platform. The compliance engine obtains the merchant level of the merchant and the product level corresponding to the merchant level and the product information corresponding to the product level based on the merchant information processing rules and the multi-dimensional merchant information. The compliance engine sends the product level and the product information corresponding to the product level to the preferential execution module. The preferential execution module provides the product information to be executed to each downstream transaction system. The preferential execution module will provide the product information execution status to the merchant manager management platform for the generation of merchant preferential reports. The compliance engine sends the merchant level and target merchant level of the merchant to the merchant incentive module.

[0079] Among them, the preferential execution module implements merchant handling fee preferential treatment according to product information: merchant handling fee reduction, discount or discount of merchant acquiring transaction handling fee according to the set preferential strength, or completely free; deposit interest rate preferential treatment: according to the set preferential strength, when merchants deposit money in our bank, merchants can choose to increase the deposit interest rate; loan interest rate preferential treatment: allow merchants to choose to reduce the interest rate of loans in our bank according to the set preferential strength; loan amount preferential treatment: allow merchants to increase the loan amount in our bank according to the set parameters; fund purchase preferential treatment: allow merchants to reduce the handling fee rate according to the set parameters when purchasing funds and redeeming them in our bank; physical precious metal preferential treatment: allow merchants to enjoy price discounts according to the set parameters when purchasing physical precious metals in our bank; credit card points preferential treatment: allow merchants to use our bank's credit cards, and the increase in points is multiplied by a certain coefficient according to the parameter setting, thereby increasing the speed of points accumulation; other preferential treatments: including payment preferential treatment, etc., depending on the products provided by the bank. The merchant manager management platform provides merchant managers with various data reports of this function, providing a basis for decision-making in the communication between merchant managers and merchants, and helping merchant managers to better motivate and retain merchants; merchant data reports: including various assessed data reports of merchants under the merchant manager, including deposits, AUM, acquiring transaction fees, number of acquiring transactions, etc.; merchant preferential reports: reports on merchants enjoying preferential products, reports on merchants enjoying preferential products, and reports on merchants not enjoying preferential products. Among them, merchant managers are the role of banks in developing merchants.

[0080] Specifically, the architecture diagram for processing the bank's merchant information is as follows: Figure 4 shown.

[0081] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0082] Based on the same inventive concept, the embodiment of the present application also provides a user information processing device for implementing the user information processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more user information processing device embodiments provided below can refer to the limitations on the user information processing method above, and will not be repeated here.

[0083] In one embodiment, Figure 5 As shown, a user information processing device is provided, comprising: an identification receiving module 100, a rule reading module 200, an information obtaining module 300, a level determining module 400, an information determining module 500, and an information sending module 600, wherein:

[0084] The identification receiving module 100 is used to receive the user identification sent by the terminal;

[0085] The rule reading module 200 is used to read the pre-configured user information processing rule corresponding to the user identifier from the database, and determine the information dimension corresponding to the user information processing rule;

[0086] The information acquisition module 300 is used to acquire multi-dimensional user information corresponding to the user identification and information dimension in a multi-threaded manner;

[0087] The level determination module 400 is used to process the multi-dimensional user information according to the user information processing rules to obtain the user level;

[0088] An information determination module 500, used to determine product information corresponding to a user identifier;

[0089] The information sending module 600 is used to determine the current product level of each product information corresponding to the user level, and send each current product level to the terminal.

[0090] In one embodiment, the device also includes: a query module, used to query the target user level corresponding to the user level; a prompt information generation module, used to generate user prompt information based on the target user level and multi-dimensional user information, the user prompt information including the data difference between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; a prompt information sending module, used to send the user prompt information to the terminal.

[0091] In one embodiment, the rule reading module includes: a file acquisition module, which is used to acquire a configuration file and read the user information processing rules pre-configured in the configuration file from a database.

[0092] In one embodiment, it also includes: a historical data acquisition module, which is used to acquire historical user data, the historical user data includes historical user information and historical product level changes; an initial grouping module, which is used to group the historical user information to obtain an initial group; a target grouping module, which is used to group the historical user information in the initial group according to the historical product level changes to obtain a target group; a second acquisition module, which is used to acquire multi-dimensional historical user information changes corresponding to the product level changes in each target group; and a screening module, which is used to screen according to the multi-dimensional historical user information changes to determine the user information processing rules.

[0093] In one embodiment, the level determination module includes: a coefficient acquisition module for acquiring a preset coefficient corresponding to the classification of the current date; and a second determination module for processing multi-dimensional user information according to the preset coefficient and user information processing rules to obtain the corresponding user level.

[0094] In one embodiment, the device further includes: a report generation module, which is used to generate corresponding reports according to the multi-dimensional user information and the current product level of each product information, and push the reports to the target users.

[0095] In one embodiment, the identification receiving module includes: receiving a data processing request sent by a cache, the data processing request carries a user identification, and the user identification is a user identification sent by each terminal and received and stored by the cache.

[0096] Each module in the above user information processing device can be implemented in whole or in part by software, hardware or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0097] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 6As shown. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be achieved through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a user information processing method is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covered on the display screen, or a key, trackball or touchpad set on the computer device housing, or an external keyboard, touchpad or mouse, etc.

[0098] Those skilled in the art will understand that Figure 6 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0099] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0100] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0101] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0102] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0103] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0104] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0105] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A user information processing method, characterized in that: The method comprises: A user identification sent by a receiving terminal; Reading a pre-configured user information processing rule corresponding to the user identifier from a database, and determining an information dimension corresponding to the user information processing rule, wherein the user information processing rule is a rule for processing user information of each dimension; Acquire multi-dimensional user information corresponding to the user identifier and the information dimension in a multi-threaded manner; Processing the multi-dimensional user information according to the user information processing rule to obtain a user level; Determine product information corresponding to the user identifier; Determine the current product level of each of the product information corresponding to the user level, and send each of the current product levels to the terminal; The step of reading a pre-configured user information processing rule corresponding to the user identifier from a database includes: Obtaining a configuration file, and reading from a database a user information processing rule corresponding to the user identifier pre-configured in the configuration file; The step of processing the multi-dimensional user information according to the user information processing rule to obtain the user level includes: Obtaining a preset coefficient corresponding to a classification of a current date, wherein the classification of the current date is different date categories, and the preset coefficient is set based on a configuration instruction and different date categories; Processing the multi-dimensional user information according to the preset coefficient and the user information processing rule to obtain a corresponding user level; The determining the current product level of each product information corresponding to the user level includes: A mapping relationship between product level and user level is obtained, and a current product level of each product information corresponding to the user level is determined based on the mapping relationship.

2. The method according to claim 1, characterized in that The method further comprises: Querying a target user level corresponding to the user level; generating user prompt information according to the target user level and the multi-dimensional user information, the user prompt information including data differences between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; The user prompt information is sent to the terminal.

3. The method according to claim 1, characterized in that Before reading the pre-configured user information processing rule corresponding to the user identifier from the database, the method further includes: Acquire historical user data, wherein the historical user data includes historical user information and historical product level changes; Grouping the historical user information to obtain initial groups; Grouping the historical user information in the initial grouping according to the historical product level change to obtain a target grouping; Obtaining multi-dimensional historical user information changes corresponding to changes in product levels in each of the target groups; Screening is performed based on the multi-dimensional historical user information changes to determine user information processing rules.

4. The method according to claim 1, characterized in that: The method further comprises: A corresponding report is generated according to the multi-dimensional user information and the current product level of each of the product information, and the report is pushed to the target user.

5. The method according to claim 4, characterized in that The receiving terminal sends a user identification, including: A data processing request sent by a cache is received, wherein the data processing request carries a user identifier, and the user identifier is a user identifier sent by each terminal and received and stored by the cache.

6. A user information processing device, characterized in that: The device comprises: An identification receiving module, used for receiving a user identification sent by a terminal; A rule reading module, used to read a pre-configured user information processing rule corresponding to the user identifier from a database, and determine the information dimension corresponding to the user information processing rule, wherein the user information processing rule is a rule for processing user information of each dimension; An information acquisition module, used for acquiring multi-dimensional user information corresponding to the user identifier and the information dimension in a multi-threaded manner; A level determination module, used for processing the multi-dimensional user information according to the user information processing rule to obtain a user level; An information determination module, used to determine the product information corresponding to the user identifier; An information sending module, used for determining the current product level of each of the product information corresponding to the user level, and sending each of the current product levels to the terminal; The rule reading module includes: a file acquisition module, which is used to acquire a configuration file and read the user information processing rule corresponding to the user identifier pre-configured in the configuration file from a database; The level determination module comprises: A coefficient acquisition module, used to acquire a preset coefficient corresponding to the classification of the current date, the classification of the current date is different date categories, and the preset coefficient is set based on a configuration instruction and different date categories; A second determination module, configured to process the multi-dimensional user information according to the preset coefficient and the user information processing rule to obtain a corresponding user level; The information sending module is specifically used to obtain a mapping relationship between a product level and a user level, and determine a current product level of each of the product information corresponding to the user level based on the mapping relationship.

7. The device according to claim 6, characterized in that The device also includes: A query module, used for querying a target user level corresponding to the user level; a prompt information generating module, configured to generate user prompt information according to the target user level and the multi-dimensional user information, wherein the user prompt information includes data differences between each information dimension corresponding to the user level and each information dimension corresponding to the target user level; The prompt information sending module is used to send the user prompt information to the terminal.

8. The device according to claim 6, characterized in that The device also includes: A historical data acquisition module, used to acquire historical user data, wherein the historical user data includes historical user information and historical product level changes; An initial grouping module, used for grouping the historical user information to obtain an initial group; A target grouping module, used for grouping the historical user information in the initial grouping to obtain a target grouping according to the historical product level change; A second acquisition module is used to acquire multi-dimensional historical user information changes corresponding to changes in product levels in each of the target groups; The screening module is used to screen according to the multi-dimensional historical user information changes to determine the user information processing rules.

9. The device according to claim 6, characterized in that The device also includes: The report generation module is used to generate a corresponding report according to the multi-dimensional user information and the current product level of each product information, and push the report to the target user.

10. The device according to claim 9, characterized in that The identification receiving module comprises: A data processing request sent by the cache is received, the data processing request carries a user identifier, and the user identifier is a user identifier sent by each terminal and received and stored by the cache.

11. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

12. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

13. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

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