Supply and demand matching method, device and electronic equipment

Abstract

The present invention discloses a method, device and electronic device for matching supply and demand relationships, and relates to the field of financial technology or other related fields. The method includes: obtaining a user portrait and a payment item portrait; filtering out information matching the target scenario from the user portrait to obtain target portrait information, and filtering out information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs; matching the target portrait information and the target payment item portrait information to obtain a matching result, wherein the matching result represents the degree of matching of the supply and demand relationship between the user to be pushed and the payment item on the preset platform; the preset platform recommends the target payment item to the user to be pushed based on the matching result. The present invention solves the technical problem of low accuracy in matching judgment of the supply and demand relationship between users and payment platforms in the prior art.

Description

Technical Field

[0001] The present invention relates to the field of financial technology or other related fields, and in particular, to a method, device and electronic equipment for matching supply and demand relationships. Background Art

[0002] With the rapid development of science and technology, people's payment methods are gradually changing. Currently, there are numerous payment agent platforms on the market, offering a wide range of payment items. On the one hand, for customers, the lack of transparency regarding which payment agent platforms each payment item is partnered with and which platforms currently offer more favorable promotions makes choosing an agent difficult. On the other hand, for payment agent platforms, lacking clarity about the customer base corresponding to their vast array of payment items, they can only blindly recommend as many payment items as possible to customers, resulting in a monotonous marketing approach and the inability to maintain long-term relationships with customers.

[0003] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0004] The embodiments of the present invention provide a method, device and electronic device for matching supply and demand relationships, so as to at least solve the technical problem of low accuracy in matching the supply and demand relationship between users and payment platforms in the prior art.

[0005] According to one aspect of an embodiment of the present invention, a method for matching supply and demand relationships is provided, including: obtaining a user portrait and a payment item portrait, wherein the user portrait represents attribute information of the user to be pushed, and the payment item portrait represents characteristic information of the payment item; filtering out information matching the target scenario from the user portrait to obtain target portrait information, and filtering out information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs; matching the target portrait information and the target payment item portrait information to obtain a matching result, wherein the matching result represents the degree of matching of the supply and demand relationship between the user to be pushed and the payment items on the preset platform; the preset platform recommends the target payment item to the user to be pushed based on the matching result.

[0006] Furthermore, the supply and demand relationship matching method also includes: obtaining basic feature information of multiple users and payment logs corresponding to the multiple users, wherein the basic feature information of the multiple users represents the inherent attributes of the multiple users; analyzing and processing the payment logs to obtain historical payment behavior information of the multiple users, wherein the historical payment behavior information represents the features generated by the multiple users in the process of paying within a historical time period; and constructing user portraits based on the basic feature information of the multiple users and the historical payment behavior information of the multiple users.

[0007] Furthermore, the supply and demand relationship matching method also includes: obtaining basic characteristic information of multiple payment items and project logs of multiple payment items, wherein the basic characteristic information of multiple payment items represents the inherent attributes of multiple payment items; analyzing and processing the project logs to obtain user characteristic information under multiple payment items; and constructing payment item portraits based on the basic characteristic information of multiple payment items and the user characteristic information under multiple payment items.

[0008] Furthermore, the supply and demand relationship matching method also includes: obtaining scenario information of the target scenario; based on the scenario information, screening and processing the user portrait and the payment item portrait to obtain target portrait information and target payment item portrait information.

[0009] Furthermore, the supply and demand relationship matching method also includes: determining the target payment item from the payment item portrait based on the scenario information, and obtaining the target payment item portrait information corresponding to the target payment item; determining the target area range supported by the target payment item from the target payment item portrait information; determining the users to be pushed within the target area range from the user portrait; and obtaining the target portrait information corresponding to the users to be pushed.

[0010] Furthermore, the supply and demand relationship matching method also includes: calculating the degree of matching between the target payment item portrait and the target portrait information; and determining whether to push the target payment item to the user to be pushed based on the degree of matching.

[0011] Furthermore, the supply and demand relationship matching method also includes: when there are multiple target payment items, sorting the multiple target payment items according to the degree of matching to obtain a sorting result; the preset platform recommends multiple target payment items to the users to be pushed according to the sorting result.

[0012] According to another aspect of an embodiment of the present invention, a supply and demand relationship matching device is also provided, including: an acquisition module for acquiring user portraits and payment item portraits, wherein the user portrait represents the attribute information of the user to be pushed, and the payment item portrait represents the characteristic information of the payment item; a screening module for screening out information matching the target scenario from the user portrait to obtain target portrait information, and screening out information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs; a matching module for matching the target portrait information and the target payment item portrait information to obtain a matching result, wherein the matching result represents the degree of matching of the supply and demand relationship between the user to be pushed and the payment item on the preset platform; a pushing module for the preset platform to recommend the target payment item to the user to be pushed based on the matching result.

[0013] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, in which a computer program is stored. The computer program is configured to execute the above-mentioned supply-demand relationship matching method when running.

[0014] According to another aspect of an embodiment of the present invention, an electronic device is also provided, which includes one or more processors; a memory for storing one or more programs, which, when the one or more programs are executed by the one or more processors, enables the one or more processors to run the programs, wherein the programs are configured to execute the above-mentioned supply and demand relationship matching method when running.

[0015] According to another aspect of an embodiment of the present invention, a computer program product is provided, including a computer program / instruction, which implements the above-mentioned supply-demand relationship matching method when executed by a processor.

[0016] In an embodiment of the present invention, a method is adopted to match the supply and demand relationship between users and payment platforms based on user portraits and payment item portraits. First, the user portrait and payment item portrait are obtained. Then, information matching the target scenario is filtered out from the user portrait to obtain target portrait information. Information matching the target scenario is filtered out from the payment item portrait to obtain target payment item portrait information. The target portrait information and the target payment item portrait information are then matched to obtain a matching result. Finally, the preset platform recommends the target payment item to the user to be pushed based on the matching result. Among them, the user portrait represents the attribute information of the user to be pushed, the payment item portrait represents the characteristic information of the payment item, the target scenario is a scenario set according to different marketing needs, and the matching result represents the degree of matching between the supply and demand relationship between the user to be pushed and the payment item on the preset platform.

[0017] In the above process, by obtaining user portraits and payment item portraits, the situation of users and payment items can be fully understood. By screening user portraits and payment item portraits, information matching the target scenario can be obtained, thereby improving the accuracy of subsequent payment item push to users. By matching the target portrait information and the target payment item portrait information, a matching result is obtained, so that the preset platform can recommend the target payment items to the users to be pushed based on the matching results, thereby realizing targeted services for users, that is, users can feel the one-to-one exclusive service more intuitively, which is conducive to cultivating a good relationship between users and payment platforms, and can even know their own possible payment needs before users, which is more conducive to the promotion of emerging payment items.

[0018] It can be seen that through the technical solution of the present invention, the purpose of matching the supply and demand relationship between users and payment items is achieved, thereby realizing the technical effect of improving the accuracy of matching judgment of the supply and demand relationship between users and payment platforms, and further solving the technical problem of low accuracy of matching judgment of the supply and demand relationship between users and payment platforms in the existing technology. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0020] Figure 1 is a flow chart of an optional supply-demand relationship matching method according to an embodiment of the present invention;

[0021] Figure 2 is a schematic diagram of an optional supply-demand relationship matching system according to an embodiment of the present invention;

[0022] Figure 3 is a schematic diagram of an optional supply-demand relationship matching device according to an embodiment of the present invention;

[0023] Figure 4 is a schematic diagram of an optional electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0024] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of the present invention.

[0025] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0026] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for display and analysis, etc.) involved in the present invention are all information and data authorized by the user or fully authorized by all parties. For example, an interface is set up between this system and the relevant user or organization. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain the relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0027] Example 1

[0028] According to an embodiment of the present invention, a method embodiment of a method for matching supply and demand relationships is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0029] Figure 1 is a flow chart of an optional supply-demand relationship matching method according to an embodiment of the present invention, such as Figure 1 As shown, the method includes the following steps:

[0030] Step S101, obtaining a user portrait and a payment item portrait, wherein the user portrait represents the attribute information of the user to be pushed, and the payment item portrait represents the characteristic information of the payment item.

[0031] In the above steps, the user profile and payment item profile can be obtained through the application system, processor, electronic equipment and other devices. In this embodiment, Figure 2 The supply-demand matching system shown in the figure obtains user profiles and payment item profiles. The user profile includes at least basic characteristic information of the user to be pushed and historical payment behavior information, such as gender, age, and payment frequency. The payment item profile includes at least basic characteristic information of the payment item and user characteristic information under the payment item, such as the applicable region of the payment item and the average age of users.

[0032] It should be noted that in the above process, through user portraits and payment item portraits, we can fully grasp the situation of users and payment items, and provide a data basis for subsequent matching of the supply and demand relationship between users and payment items.

[0033] Step S102, filter out information matching the target scenario from the user portrait to obtain target portrait information, and filter out information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs.

[0034] In the above steps, after obtaining the user portrait and payment item portrait, it is necessary to filter and process the information in the portrait so as to obtain information matching the target scenario from a large amount of data. The target scenario is a scenario set according to different marketing needs. For example, if the marketing need is to recommend payment items to potential customers, the corresponding target scenario can be a new customer acquisition scenario.

[0035] It should be noted that in the above process, since the amount of information in the user portraits and payment item portraits obtained is very large, by screening the user portraits and payment item portraits, the amount of invalid information can be reduced, and valuable information can be obtained from a large amount of data, thereby improving the efficiency of subsequent payment item push to users.

[0036] Step S103, matching the target portrait information and the target payment item portrait information to obtain a matching result, wherein the matching result represents the degree of matching between the supply and demand relationship between the user to be pushed and the payment item on the preset platform.

[0037] In the above steps, after filtering out information that matches the target scenario from the user portrait and the payment item portrait respectively, the filtered target portrait information and the target payment item portrait information are matched to obtain a matching result. Optionally, based on different marketing needs, corresponding information can be extracted, and then the target portrait information and the target payment item portrait information filtered out in the current scenario are matched to obtain a matching result. For example, when the marketing need is to recommend payment items to potential customers, the corresponding target scenario is to pull new customer scenarios. Optionally, the target payment item portrait information can be the address supported by the payment item to be recommended, and the target portrait information can be the user's home address. At this time, the address supported by the payment item to be recommended and the user's home address can be matched to obtain a matching result.

[0038] It should be noted that by matching the target portrait information with the target payment item portrait information, the matching results can be made more targeted, allowing users to experience exclusive services, which is conducive to maintaining and developing customer relationships.

[0039] Step S104: The preset platform recommends target payment items to the user to be pushed based on the matching results.

[0040] In the above steps, the preset platform can be an agent payment platform that provides users with convenient payment services, such as Alipay life payment, WeChat life payment, and payment pages on the APPs of major banks. The agent payment platform connects with the charging companies and places the payment items of the charging companies on its own platform for users to complete the payment on the platform. Among them, the charging companies can be companies with charging needs such as power companies, gas companies, schools, etc., and the payment items can be electricity bills, water bills, school tuition and miscellaneous fees, etc. Optionally, the agent payment platform recommends target payment items to the users to be pushed based on the matching results. For example, the target payment items can be electricity bills, water bills, school tuition and miscellaneous fees, etc. Different marketing needs correspond to different scenarios, and the target payment items obtained are also different.

[0041] It should be noted that recommending target payment items to users to be pushed based on the matching results is conducive to cultivating a good relationship between users and the payment platform, and can even know the user's possible payment needs before the user, which is more conducive to the promotion of emerging payment items.

[0042] Based on the scheme defined in the above steps S101 to S104, it can be known that in an embodiment of the present invention, a method of matching the supply and demand relationship between users and payment platforms based on user portraits and payment item portraits is adopted. First, the user portrait and payment item portrait are obtained, and then the information matching the target scenario is filtered out from the user portrait to obtain the target portrait information, and the information matching the target scenario is filtered out from the payment item portrait to obtain the target payment item portrait information. The target portrait information and the target payment item portrait information are then matched to obtain a matching result. Finally, the preset platform recommends the target payment item to the user to be pushed based on the matching result. Among them, the user portrait represents the attribute information of the user to be pushed, the payment item portrait represents the characteristic information of the payment item, the target scenario is a scenario set according to different marketing needs, and the matching result represents the degree of matching of the supply and demand relationship between the user to be pushed and the payment item on the preset platform.

[0043] It is easy to notice that in the above process, by obtaining user portraits and payment item portraits, the situation of users and payment items can be fully grasped. By screening user portraits and payment item portraits, information matching the target scenario can be obtained, thereby improving the accuracy of subsequent payment item push to users. By matching the target portrait information and the target payment item portrait information, a matching result is obtained, so that the preset platform can recommend the target payment items to the users to be pushed based on the matching results, thereby realizing targeted services for users, that is, it can make users feel the one-to-one exclusive service more intuitively, which is conducive to cultivating a good relationship between users and payment platforms, and can even know their own possible payment needs before users, which is more conducive to the promotion of emerging payment items.

[0044] It can be seen that through the technical solution of the present invention, the purpose of matching the supply and demand relationship between users and payment items is achieved, thereby realizing the technical effect of improving the accuracy of matching judgment of the supply and demand relationship between users and payment platforms, and further solving the technical problem of low accuracy of matching judgment of the supply and demand relationship between users and payment platforms in the existing technology.

[0045] In an optional embodiment, before obtaining a user profile, basic feature information of multiple users and their corresponding payment logs are first obtained. The payment logs are then analyzed and processed to obtain historical payment behavior information of the multiple users. User profiles are then constructed based on the basic feature information and historical payment behavior information of the multiple users. The basic feature information of the multiple users represents the inherent attributes of the multiple users, and the historical payment behavior information represents the features generated by the multiple users during the payment process over a historical period of time.

[0046] Optionally, basic characteristic information of multiple users and payment logs corresponding to the multiple users may be obtained from a database, wherein the basic characteristic information of a user may be information representing inherent attributes of the user, such as home address, children, income, age, etc. The payment log corresponding to a user may be a record log of the user's payments made within a historical time period, and the user's historical payment behavior information may refer to the user's historical payment habits, such as payment frequency, existing payment items, the stage of payment behavior (active stage, churn stage, etc.), visit churn trends, etc.

[0047] It should be noted that by building user portraits, users can be analyzed according to different needs, and their characteristics can be grasped more accurately, so that customers can be reached more accurately.

[0048] In an optional embodiment, before obtaining a payment item profile, basic feature information of multiple payment items and item logs of multiple payment items are first obtained. Then, the item logs are analyzed and processed to obtain user feature information for the multiple payment items. Then, based on the basic feature information of the multiple payment items and the user feature information for the multiple payment items, a payment item profile is constructed. The basic feature information of the multiple payment items represents the inherent attributes of the multiple payment items.

[0049] Optionally, basic characteristic information of multiple payment items and item logs of multiple payment items can be obtained from the database. The basic characteristic information of the payment items can be information that represents the inherent attributes of the payment items, such as the applicable region of the payment item, the payment type, the issuance date, etc. The item log of the payment item can be a log that records relevant information of the payment item. The user characteristic information of the payment item can include the user's residential area, the average age of the user, the transaction success rate, the payment cycle, the payment bill date, etc.

[0050] It should be noted that by constructing a payment item portrait, it is possible to analyze user behavior under the payment items, further understand the user's characteristics, and the relationship between the user and the current payment items, so that the subsequent payment item recommendations to users will be more targeted.

[0051] In an optional embodiment, in the process of filtering out information that matches the target scenario from the user portrait to obtain target portrait information, and filtering out information that matches the target scenario from the payment item portrait to obtain target payment item portrait information, the scene information of the target scene is first obtained, and then based on the scene information, the user portrait and the payment item portrait are filtered and processed to obtain target portrait information and target payment item portrait information.

[0052] Optionally, the scenario information of the target scenario may refer to the specific content of the effect to be achieved under the current demand, wherein the target scenario may be a scenario for attracting new customers, a scenario for promoting the activity of payment items, a scenario for retaining old customers, a scenario for recalling lost customers, etc. For example, in the scenario of attracting new customers, the scenario information may be to find out the users who have not activated the payment item in the addresses supported by the payment item; in the scenario of promoting the activity of payment items, the scenario information may be to find out whether there are common payment items in the elderly user cluster in a certain area, such as elderly university projects, elderly social security projects, etc.; in the scenario of retaining old customers, the scenario information may be to find out the customers who have actively paid but have not further signed a withholding payment agreement, resulting in the risk of loss and the corresponding payment items; in the scenario of recalling lost customers, the scenario information may be to find out the items that have been paid in the past but no longer continue to pay in the near future and the corresponding users who are in a lost state.

[0053] Furthermore, after obtaining the scenario information of the target scenario, the user profile and payment item profile are screened to obtain the target profile information and target payment item profile information. Specifically, based on marketing needs, it can be determined whether the target scenario is one of the aforementioned scenarios of attracting new customers, promoting payment item activity, retaining existing customers, or recalling lost customers. Based on the scenario information corresponding to the aforementioned scenario, the user profile and payment item profile are screened to obtain the desired information, namely, the target profile information and target payment item profile information.

[0054] It should be noted that by obtaining the scenario information of the target scenario, user portraits and payment item portraits can be screened in a targeted manner, saving time in data screening.

[0055] In an optional embodiment, in the process of screening and processing the user portrait and the payment item portrait based on the scenario information to obtain the target portrait information and the target payment item portrait information, the target payment item is first determined from the payment item portrait based on the scenario information, and the target payment item portrait information corresponding to the target payment item is obtained. Then, the target area range supported by the target payment item is determined from the target payment item portrait information, and then the user to be pushed who is within the target area is determined from the user portrait, and the target portrait information corresponding to the user to be pushed is obtained.

[0056] Optionally, in this embodiment, the above process is described by taking the scenario of pulling new customers as an example. Specifically, in the scenario of pulling new customers, the scenario information is to find out the users who have not yet activated the payment item in the addresses supported by the payment item. Based on this, the payment item is first determined from the payment item portrait, and the addresses supported by the payment item are obtained. Then, the user address that matches the address supported by the payment item is found from the user portrait. Optionally, a list of payment items under the user address can be obtained. Furthermore, by removing the items that the user has paid for from the payment item list, the payment items that have not yet been activated can be obtained. The users corresponding to the payment items that have not yet been activated are the new customers that can be pulled.

[0057] Optionally, in some other embodiments, in the scenario of promoting the activity of payment items, the scenario information may be to find out whether there are common payment items in the elderly user cluster in a certain area, such as senior university projects, elderly social security projects, etc. Based on this, first, by configuring the average age of users to exceed a certain value, the target payment items are determined from the payment item portrait. For example, payment items with an average user age of over 55 years old are found from the payment item portrait, and then the addresses supported by the payment items are obtained. Optionally, user addresses that match the addresses supported by the payment items are found from the user portraits, and the age of the users to be found is configured to be over 55 years old. In this way, it can be determined whether there are common payment items in the user cluster over 55 years old in a certain area.

[0058] Optionally, in some other embodiments, in the old customer retention scenario, the scenario information may be to find out the customers and corresponding payment items whose users have actively paid but have not further signed a withholding payment agreement, resulting in the risk of loss. Based on this, first determine the items for which the user has actively paid from the payment item portrait, and then find the users who have not signed a withholding payment agreement under the payment item from the user portrait, so as to obtain the old customers who need to be retained and the corresponding payment items.

[0059] Optionally, in some other embodiments, in the scenario of recalling lost customers, the scenario information can be to find out the items that have been paid for in the past but no longer continue to pay for in the near future and the corresponding users who are in the lost state. Based on this, first determine from the payment item portrait the items that the user has paid for in the past but no longer continue to pay for in the near future. For example, determine from the payment item portrait the items that the user has paid for in the past but no longer continue to pay for in half a year, and then search for users under the payment item from the user portrait, so that the users who are in the lost state can be obtained, and further recall marketing operations can be performed on the users in the lost state.

[0060] It should be noted that by matching user portraits with payment item portraits, the different marketing needs of the agency payment platform can be met, labor costs can be reduced, the success rate of payment item recommendation can be improved, and a win-win situation can be achieved for the agency payment platform and users.

[0061] In an optional embodiment, after filtering and processing the user portrait and the payment item portrait based on the scenario information to obtain the target portrait information and the target payment item portrait information, the degree of matching between the target payment item portrait and the target portrait information is first calculated, and then it is determined whether to push the target payment item to the user to be pushed based on the degree of matching.

[0062] Optionally, the degree of match between the target payment item portrait and the target portrait information can be calculated by application systems, processors, electronic devices and other devices. Furthermore, the target payment item can be judged based on the degree of match to determine whether to push the target payment item to the user to be pushed.

[0063] It should be noted that whether to push the target payment item to the user to be pushed is determined based on the degree of matching, which realizes the judgment of whether to push the target payment item to the user to be pushed, and avoids the situation where blind recommendation leads to inaccurate payment item recommendation.

[0064] In an optional embodiment, after matching the target portrait information and the target payment item portrait information to obtain a matching result, when there are multiple target payment items, the multiple target payment items are sorted according to the degree of matching to obtain a sorting result, and then the preset platform recommends multiple target payment items to the user to be pushed based on the sorting result.

[0065] Optionally, when there are multiple target payment items, the multiple target payment items can be sorted in descending order according to the degree of matching to obtain a sorting result, wherein the sorting result can be a list of items in a tabular form, and then the preset platform can recommend multiple target payment items to the users to be pushed based on the sorting result.

[0066] It should be noted that the preset platform recommends multiple target payment items to the users to be pushed based on the sorting results, and recommends payment items based on evidence, thereby improving the user's favorability and avoiding the situation where blind recommendations cause users to feel bored.

[0067] It can be seen that through the technical solution of the present invention, the purpose of matching the supply and demand relationship between users and payment items is achieved, thereby realizing the technical effect of improving the accuracy of matching judgment of the supply and demand relationship between users and payment platforms, and further solving the technical problem of low accuracy of matching judgment of the supply and demand relationship between users and payment platforms in the existing technology.

[0068] Example 2

[0069] According to an embodiment of the present invention, an embodiment of a supply-demand relationship matching device is provided, wherein: Figure 3 is a schematic diagram of an optional supply-demand relationship matching device according to an embodiment of the present invention, such as Figure 3As shown, the device includes: an acquisition module 301, used to obtain user portraits and payment item portraits, wherein the user portrait represents the attribute information of the user to be pushed, and the payment item portrait represents the characteristic information of the payment item; a screening module 302, used to screen out information matching the target scenario from the user portrait to obtain target portrait information, and screen out information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs; a matching module 303, used to match the target portrait information and the target payment item portrait information to obtain a matching result, wherein the matching result represents the degree of matching of the supply and demand relationship between the user to be pushed and the payment item on the preset platform; a push module 304, used for the preset platform to recommend the target payment item to the user to be pushed based on the matching result.

[0070] It should be noted that the above-mentioned acquisition module 301, screening module 302, matching module 303 and push module 304 correspond to steps S101 to S104 in the above-mentioned embodiment. The examples and application scenarios implemented by the four modules and the corresponding steps are the same, but are not limited to the contents disclosed in the above-mentioned embodiment 1.

[0071] Optionally, the supply and demand relationship matching device also includes: a first acquisition module, used to obtain basic feature information of multiple users and payment logs corresponding to the multiple users, wherein the basic feature information of the multiple users represents the inherent attributes of the multiple users; a first analysis module, used to analyze and process the payment logs to obtain historical payment behavior information of the multiple users, wherein the historical payment behavior information represents the features generated by the multiple users in the process of payment within a historical time period; a first construction module, used to construct user portraits based on the basic feature information of the multiple users and the historical payment behavior information of the multiple users.

[0072] Optionally, the supply and demand relationship matching device also includes: a second acquisition module, used to obtain basic characteristic information of multiple payment items and project logs of multiple payment items, wherein the basic characteristic information of multiple payment items represents the inherent attributes of multiple payment items; a second analysis module, used to analyze and process the project logs to obtain user characteristic information under multiple payment items; a second construction module, used to construct payment item portraits based on the basic characteristic information of multiple payment items and user characteristic information under multiple payment items.

[0073] Optionally, the screening module includes: a third acquisition module for acquiring scene information of the target scene; a first screening module for screening the user portrait and the payment item portrait based on the scene information to obtain target portrait information and target payment item portrait information.

[0074] Optionally, the first screening module includes: a first determination module, used to determine the target payment item from the payment item portrait based on scenario information, and obtain the target payment item portrait information corresponding to the target payment item; a second determination module, used to determine the target area range supported by the target payment item from the target payment item portrait information; a third determination module, used to determine the users to be pushed who are within the target area range from the user portrait; and a fourth acquisition module, used to obtain the target portrait information corresponding to the users to be pushed.

[0075] Optionally, the supply and demand relationship matching device also includes: a calculation module for calculating the degree of matching between the target payment item portrait and the target portrait information; and a fourth determination module for determining whether to push the target payment item to the user to be pushed based on the degree of matching.

[0076] Optionally, the supply and demand relationship matching device also includes: a sorting module, which is used to sort the multiple target payment items according to the degree of matching when there are multiple target payment items, and obtain a sorting result; a recommendation module, which is used to preset the platform to recommend multiple target payment items to the users to be pushed according to the sorting results.

[0077] Example 3

[0078] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is provided, in which a computer program is stored. The computer program is configured to execute the above-mentioned supply-demand relationship matching method when running.

[0079] Example 4

[0080] According to another aspect of an embodiment of the present invention, an electronic device is provided, wherein: Figure 4 is a schematic diagram of an optional electronic device according to an embodiment of the present invention, such as Figure 4 As shown, the electronic device includes one or more processors; a memory for storing one or more programs, which, when executed by one or more processors, enables the one or more processors to run the programs, wherein the programs are configured to execute the above-mentioned supply and demand relationship matching method when running.

[0081] Example 5

[0082] According to another aspect of an embodiment of the present invention, a computer program product is provided, including a computer program / instruction, which implements the above-mentioned supply-demand relationship matching method when executed by a processor.

[0083] The serial numbers of the above embodiments of the present invention are for description only and do not represent the advantages or disadvantages of the embodiments.

[0084] In the above embodiments of the present invention, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0085] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0086] The units described as separate components may or may not be physically separate, and 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 may be selected according to actual needs to achieve the purpose of the present embodiment.

[0087] In addition, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0088] If the integrated unit is implemented in the form of 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 the present invention, 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. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0089] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as within the scope of protection of the present invention.

Claims

1. A method for matching supply and demand, characterized in that: include: Obtaining a user portrait and a payment item portrait, wherein the user portrait represents attribute information of the user to be pushed, and the payment item portrait represents characteristic information of the payment item; Filtering information matching the target scenario from the user portrait to obtain target portrait information, and filtering information matching the target scenario from the payment item portrait to obtain target payment item portrait information, wherein the target scenario is a scenario set according to different marketing needs; Matching the target profile information with the target payment item profile information to obtain a matching result, wherein the matching result represents the degree of matching between the supply and demand relationship between the user to be pushed and the payment item on the preset platform; The preset platform recommends target payment items to the user to be pushed based on the matching results; Among them, information matching the target scenario is filtered out from the user portrait to obtain target portrait information, and information matching the target scenario is filtered out from the payment item portrait to obtain target payment item portrait information, including: obtaining scenario information of the target scenario; determining the target payment item from the payment item portrait based on the scenario information, and obtaining target payment item portrait information corresponding to the target payment item; determining the target area range supported by the target payment item from the target payment item portrait information; determining the users to be pushed within the target area from the user portrait; and obtaining target portrait information corresponding to the users to be pushed.

2. The method according to claim 1, characterized in that Before obtaining the user portrait, the method further includes: Obtaining basic characteristic information of multiple users and payment logs corresponding to the multiple users, wherein the basic characteristic information of the multiple users represents inherent attributes of the multiple users; Analyzing and processing the payment logs to obtain historical payment behavior information of the multiple users, wherein the historical payment behavior information represents characteristics generated during the payment process of the multiple users within a historical time period; The user profile is constructed based on the basic feature information of the multiple users and the historical payment behavior information of the multiple users.

3. The method according to claim 1, characterized in that Before obtaining the payment item portrait, the method further includes: Obtaining basic characteristic information of multiple payment items and item logs of the multiple payment items, wherein the basic characteristic information of the multiple payment items represents inherent attributes of the multiple payment items; Analyzing and processing the item logs to obtain user characteristic information under the multiple payment items; The payment item portrait is constructed based on the basic characteristic information of the multiple payment items and the user characteristic information under the multiple payment items.

4. The method according to claim 1, wherein After screening the user portrait and the payment item portrait based on the scenario information to obtain the target portrait information and the target payment item portrait information, the method further includes: Calculating the degree of matching between the target payment item profile and the target profile information; Determine whether to push the target payment item to the user to be pushed based on the matching degree.

5. The method according to claim 4, characterized in that After matching the target portrait information with the target payment item portrait information to obtain a matching result, the method further includes: When there are multiple target payment items, sorting the multiple target payment items according to the matching degree to obtain a sorting result; The preset platform recommends a plurality of target payment items to the user to be pushed according to the ranking result.

6. A supply-demand matching device, characterized in that: include: An acquisition module, configured to acquire a user portrait and a payment item portrait, wherein the user portrait represents attribute information of the user to be pushed, and the payment item portrait represents characteristic information of the payment item; a screening module, configured to screen out information matching a target scenario from the user profile to obtain target profile information, and to screen out information matching the target scenario from the payment item profile to obtain target payment item profile information, wherein the target scenario is a scenario set according to different marketing needs; A matching module, configured to match the target profile information with the target payment item profile information to obtain a matching result, wherein the matching result represents a degree of matching between the supply and demand relationship between the user to be pushed and the payment item on the preset platform; A push module, configured for the preset platform to recommend target payment items to the user to be pushed based on the matching results; Among them, the screening module includes: a third acquisition module, used to obtain the scene information of the target scene; a first determination module, used to determine the target payment item from the payment item portrait based on the scene information, and obtain the target payment item portrait information corresponding to the target payment item; a second determination module, used to determine the target area range supported by the target payment item from the target payment item portrait information; a third determination module, used to determine the user to be pushed who is within the target area from the user portrait; and obtain the target portrait information corresponding to the user to be pushed.

7. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, wherein the computer program is configured to execute the supply-demand relationship matching method described in any one of claims 1 to 5 when running.

8. An electronic device, characterized in that: The electronic device includes one or more processors; A memory for storing one or more programs, which, when executed by the one or more processors, enables the one or more processors to run the programs, wherein the programs are configured to execute the supply and demand relationship matching method described in any one of claims 1 to 5 when running.

9. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the supply-demand relationship matching method according to any one of claims 1 to 5 is implemented.

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