A method and system for financial terminal-based agricultural service for farmers

Abstract

This invention provides a method and system for providing agricultural services based on financial terminals, belonging to the field of digital processing technology. The method includes: acquiring agricultural service business information; classifying business types and outputting business category attribute information; generating an agricultural service topology by connecting enterprise terminals and user terminals with the financial terminal as the central node; acquiring enterprise interaction business information through the interaction channel between the financial terminal and enterprise terminals; acquiring user interaction business information through the interaction channel between the financial terminal and user terminals; acquiring N businesses with extended scores greater than a preset extended score; and outputting extended service businesses. This invention solves the technical problem that agricultural services provided by financial terminals cannot be effectively implemented, resulting in agricultural services failing to meet the service goals of benefiting and facilitating farmers. It achieves the technical effect of intelligently optimizing the promotion and expansion plan of agricultural services, adaptively matching the financial service requirements of farmers, and ensuring the implementation of agricultural services provided by financial terminals.

Description

Technical Field

[0001] This invention relates to the field of digital processing technology, and specifically to a method and system for providing agricultural services based on a financial terminal. Background Technology

[0002] The agricultural services offered by financial terminals aim to benefit and facilitate farmers, providing them with financial services. However, at present, these services fail to achieve their intended goals of benefiting and facilitating farmers due to several factors: inadequate promotion and expansion of these services; insufficient understanding of these services among farmers; low suitability of these services to individual farmers; and farmers' lack of time to understand and select suitable services.

[0003] The existing technology has a technical problem that prevents the effective implementation of financial terminal-based services for benefiting farmers, resulting in these services failing to meet the goal of benefiting and facilitating the people. Summary of the Invention

[0004] This application provides a method and system for providing agricultural services based on financial terminals, which solves the technical problem that agricultural services cannot be effectively implemented through financial terminals, resulting in the failure of agricultural services to meet the service goals of benefiting and facilitating the people. It achieves the technical effect of intelligently optimizing the promotion and expansion plan of agricultural services, adapting to the financial service requirements of farmers, and ensuring the implementation of agricultural services through financial terminals.

[0005] In view of the above problems, this application provides a method and system for providing agricultural services based on financial terminals.

[0006] In a first aspect, this application provides a method for providing agricultural services based on a financial terminal. The method is applied to an agricultural service extension system, which is remotely connected to enterprise terminals and user terminals. The method includes: acquiring agricultural service information based on the financial terminal; classifying the agricultural service information by business type and outputting business category attribute information; generating an agricultural topology by connecting the enterprise terminal and the user terminal with the financial terminal as the central node; acquiring enterprise interaction business information with the financial terminal and the enterprise terminal as the interaction channel based on the agricultural topology; acquiring user interaction business information with the financial terminal and the user terminal as the interaction channel based on the agricultural topology; evaluating the enterprise interaction business information and the user interaction business information to obtain N businesses with an extension score greater than a preset extension score; and chaining the N businesses based on the business category attribute information to output extended service businesses.

[0007] Secondly, this application provides a rural service system based on a financial terminal, wherein the system includes: a data acquisition unit, which is used to acquire rural service information based on the financial terminal; a business type classification unit, which is used to classify the rural service information into business types and output business category attribute information; and a topology connection unit, which is used to connect enterprise terminals and user terminals based on the financial terminal as the central node to generate a rural topology. The system includes: an enterprise business information acquisition unit, which acquires enterprise interaction business information based on the agricultural benefit topology and using the financial terminal and the enterprise terminal as the interaction channel; a user business information acquisition unit, which acquires user interaction business information based on the agricultural benefit topology and using the financial terminal and the user terminal as the interaction channel; a business expansion evaluation unit, which evaluates the enterprise interaction business information and the user interaction business information to acquire N businesses with expansion scores greater than a preset expansion score; and an expansion business output unit, which performs chained expansion on the N businesses based on the business category attribute information to output expanded service businesses.

[0008] One or more technical solutions provided in this application have at least the following technical effects or advantages:

[0009] This application employs a method that utilizes financial terminals to acquire information on agricultural services; classifies services by type and outputs service category attribute information; uses the financial terminal as the central node to connect enterprise terminals and user terminals, generating an agricultural service topology; acquires enterprise interaction information via the interaction channel between the financial terminal and enterprise terminals; acquires user interaction information via the interaction channel between the financial terminal and user terminals; evaluates the business expansion of the enterprise and user interaction information, identifying N services with expansion scores greater than a preset expansion score; and performs chain-like expansion through service category attribute information to output expanded service businesses. This embodiment achieves the technical effect of intelligently optimizing the promotion and expansion scheme for agricultural services, adapting to the financial service requirements of farmers, and ensuring the effective implementation of agricultural services through financial terminals. Attached Figure Description

[0010] Figure 1 This is a flowchart illustrating a method for providing agricultural services based on a financial terminal, as described in this application.

[0011] Figure 2 This is a schematic diagram illustrating the process of outputting an agricultural service method based on a financial terminal for use as an alternative extended service for an enterprise terminal.

[0012] Figure 3 This is a schematic diagram illustrating the process of outputting alternative extended services for user terminals using a method for providing agricultural services based on a financial terminal, as described in this application.

[0013] Figure 4 This is a schematic diagram of the structure of a rural service system based on a financial terminal, as described in this application.

[0014] Explanation of reference numerals in the attached figures: Data acquisition unit 11, Business type classification unit 12, Topology connection unit 13, Enterprise business information acquisition unit 14, User business information acquisition unit 15, Business expansion evaluation unit 16, Extended business output unit 17. Detailed Implementation

[0015] This application provides a method and system for providing agricultural services based on financial terminals, which solves the technical problem that agricultural services cannot be effectively implemented through financial terminals, resulting in the failure of agricultural services to meet the service goals of benefiting and facilitating the people. It achieves the technical effect of intelligently optimizing the promotion and expansion plan of agricultural services, adapting to the financial service requirements of farmers, and ensuring the implementation of agricultural services through financial terminals.

[0016] Example 1

[0017] like Figure 1 As shown, this application provides a method for providing agricultural services based on a financial terminal. The method is applied to both an agricultural service system and an extended agricultural service system. The system is remotely connected to enterprise terminals and user terminals. The method includes:

[0018] S100: Obtain information on agricultural service business based on financial terminals;

[0019] S200: By classifying the agricultural service business information into business types, output business category attribute information;

[0020] Specifically, the system is remotely connected to enterprise terminals and user terminals. This remote connection, simply put, is established through signal transmission and interaction, forming a remote communication connection between the system and the enterprise and user terminals. The financial terminal is the terminal of the rural service system. The rural service information includes information on agricultural deposits, agricultural withdrawals, phone bill payments, water and electricity bill payments, traffic fines, farmer loans, shop owner purchases, rural appliance subsidies, rural car subsidies, and other rural service information. The system categorizes the rural service information by business type, including but not limited to deposits, withdrawals, transfers, self-service payments, personal loans, and rural e-commerce, outputting business category attribute information. This business category attribute information corresponds to the attributes of the business execution process. The specific business category attribute information needs to be explained in conjunction with the actual business. For example, for farmer loan information, business category attributes include income flow records, farmer identity verification, loan application verification, and repayment plan selection—attributes corresponding to the farmer loan business process. The above example is for illustrative purposes only and does not constitute a restrictive explanation, providing a data foundation for subsequent data analysis.

[0021] To elaborate further, the information on services benefiting farmers is categorized by business type. For example, deposit and withdrawal transfers correspond to information on deposits and withdrawals for farmers; self-service payments correspond to information on phone bill deposits, water and electricity payments, and traffic fines; personal loans correspond to information on loans to farmers; and e-commerce services benefiting farmers correspond to information on shop owners' purchases, home appliances to rural areas, and automobiles to rural areas.

[0022] S300: Based on the financial terminal as the central node, connect the enterprise terminal and the user terminal to generate a rural benefit topology;

[0023] S400: Based on the aforementioned agricultural benefit topology, acquire enterprise interaction business information with the financial terminal and the enterprise terminal as the interaction channel;

[0024] Specifically, based on the financial terminal as the central node, the enterprise terminal and the user terminal are connected to generate a rural benefit topology. The rural benefit topology includes multiple information nodes, which correspond to business process nodes. The rural benefit topology is a bus / star topology, generated with the financial terminal as the central node and multiple business process node chains as branches. The enterprise terminal and the user terminal are the interaction channels of the multiple business process node chains, and the interaction channels are the information transmission paths. Based on the rural benefit topology, enterprise interaction business information with the financial terminal and the enterprise terminal as the interaction channels is obtained, ensuring the adaptability of the rural benefit topology to the actual information paths of financial business and improving the rationality of the rural benefit topology.

[0025] To further elaborate, radar chart synaptic analysis is performed on the financial terminal, the enterprise terminal, and the user terminal. According to the topology connection method, that is, through the topology connection method, the financial terminal, the enterprise terminal, and the user terminal are all drawn on the radar chart. With the financial terminal as the central node, the enterprise terminal and the user terminal are connected through channel transmission to generate the rural benefit topology, which is used to facilitate subsequent parameter analysis and extraction.

[0026] S500: Based on the aforementioned agricultural benefit topology, obtain user interaction business information with the financial terminal and the user terminal as the interaction channel;

[0027] S600: Perform a business expansion evaluation on the enterprise interaction business information and the user interaction business information, and obtain N businesses whose expansion scores are greater than the preset expansion scores;

[0028] Specifically, the user interaction service refers to any one of the services in the agricultural service information. The user interaction service information is the data information of the user interaction service process, including but not limited to user verification information, user application information, and user service processing time information. Based on the agricultural service topology, user interaction service information is obtained through the interaction channel between the financial terminal and the user terminal. The service expansion assessment simply means evaluating the probability of a transaction when a user or enterprise promotes a service project. The service expansion assessment is performed on the enterprise interaction service information and the user interaction service information to obtain N services with an expansion score greater than a preset expansion score. For example, for users with large current deposits, fixed deposits are designated as an expansion service, and a fixed deposit service assessment is performed on the user. The above example is for understanding the solution and does not limit the implementation of the solution. In practice, the information can be compared and analyzed with the agricultural service to obtain N services with an expansion score greater than a preset expansion score, thus ensuring the rationality of the service expansion assessment results.

[0029] Furthermore, step S600 includes:

[0030] S610: Input the enterprise interaction business information and the user interaction business information into the business expansion evaluation model, wherein the business expansion evaluation model includes an enterprise evaluation model and a user evaluation model;

[0031] S620: Input the enterprise interactive business information into the enterprise evaluation model, and output the enterprise extended score result according to the enterprise evaluation model;

[0032] S630: Input the user interaction business information into the user evaluation model, and output the user extended score result according to the user evaluation model;

[0033] S640: Obtain the N services based on the enterprise extended scoring results and the user extended scoring results.

[0034] Specifically, the enterprise interaction business information and the user interaction business information are input into a business expansion evaluation model, which includes an enterprise evaluation model and a user evaluation model. Through the enterprise terminal, historical enterprise interaction business information and recommended business enterprise processing results are obtained; through the user terminal, historical user interaction business information and recommended business user processing results are obtained. Both the enterprise evaluation model and the user evaluation model are based on the backpropagation algorithm (BP). They are trained using historical user interaction business information and recommended business user processing results, and historical enterprise interaction business information and recommended business enterprise processing results, respectively. After the model outputs a stable state, the enterprise evaluation model and the user evaluation model are obtained. The enterprise interaction business information is input into the enterprise evaluation model, and based on the enterprise evaluation model, an enterprise expansion score result is output. The user interaction business information is input into the user evaluation model, and based on the user evaluation model, a user expansion score result is output. Based on the enterprise expansion score result and the user expansion score result, the N services are obtained, where N is a positive integer, providing data support for expanding agricultural service benefits.

[0035] Furthermore, such as Figure 2 As shown, this application also includes:

[0036] S641: Input the enterprise interaction business information into the enterprise evaluation model to obtain business usage frequency, business transaction volume and enterprise growth indicators;

[0037] S642: Using the frequency of use of the business, the transaction volume of the business, and the enterprise growth indicators as analysis dimensions, perform an expansion demand analysis on all businesses of the enterprise terminal and output an enterprise expansion demand set;

[0038] S643: Use the enterprise expansion demand set as the enterprise expansion score result, and output the alternative expansion services for the enterprise terminal.

[0039] Specifically, the enterprise's interactive business information is input into the enterprise evaluation model to obtain business usage frequency, business transaction volume, and enterprise growth indicators. Business usage frequency is the number of times a business is used; frequently used businesses are marked in green. Business transaction volume is the transaction amount; businesses with large transaction amounts are marked in yellow. Generally, as enterprises grow, they need to add many new business types; the enterprise growth indicator is indicated by marking the businesses corresponding to these new business types in orange. Using business usage frequency, business transaction volume, and enterprise growth indicators as analytical dimensions, a three-dimensional business indicator comprehensive analysis coordinate system is constructed. This system analyzes the expansion demand for all businesses on the enterprise terminal, mapping businesses to demand levels to construct an enterprise expansion demand set. This enterprise expansion demand set is used as the enterprise expansion score result, outputting alternative expansion businesses for the enterprise terminal. From the perspective of user needs, alternative expansion businesses are determined, ensuring their rationality.

[0040] Furthermore, such as Figure 3 As shown, this application also includes:

[0041] S643-1: Input the user interaction business information into the user evaluation model to obtain the characteristics of farmers' benefit users, regional supplementary data and operation feedback indicators;

[0042] S643-2: Using the characteristics of the rural benefit users, the regional supplementary data, and the operation feedback indicators as analysis dimensions, perform an extended demand analysis on all services of the user terminal and output a set of user extended demand.

[0043] S643-3: Use the set of user extension needs as the user extension score result, and output the alternative extension services for the user terminal.

[0044] Specifically, the characteristics of the agricultural benefit users are related to their geographical location, limiting the main products of the agricultural benefit users and corresponding products for regional business expansion. The regional supplementary data is related to the business processing status of regional users, connecting with other terminal users in the same region as the user to obtain the optimization direction of other terminal users, and using the optimization business direction as a candidate region. The operation feedback indicators are related to the user's operation feedback records, obtaining the user's retrieval feedback, consultation, query and other feedback needs, and using the user's terminal operation feedback to screen candidate expansion services.

[0045] Specifically, the user interaction service information is input into the user evaluation model to obtain rural user characteristics, regional supplementary data, and operation feedback indicators. These three dimensions are used as analysis dimensions, and a three-dimensional business indicator comprehensive analysis coordinate system is constructed. An expansion demand analysis is performed on all services of the user terminal, outputting a user expansion demand set. This set is used as the user expansion score result, and alternative expansion services for the user terminal are output, further ensuring the rationality of the alternative expansion services.

[0046] To elaborate further, the main products of the restricted agricultural users, and the corresponding products, can be used to expand regional business. For example, kiwifruit in Shaanxi Province can be used to screen regional business based on the flow of funds of users during the kiwifruit growth process. Fund storage-related businesses can be promoted during the kiwifruit harvest season.

[0047] S700: Based on the business class attribute information, perform chain-like expansion of the N businesses and output the extended service business.

[0048] Furthermore, step S700 includes:

[0049] S710: By performing business association analysis on the alternative extended services of the enterprise terminal and the alternative extended services of the user terminal, the N services are obtained, wherein the N services are enterprise-user associative services;

[0050] S720: Based on the business class attribute information, the N businesses are divided into attributes to obtain the business classes corresponding to the N businesses respectively;

[0051] S730: Perform business chain process analysis according to the business classes corresponding to the N businesses, and generate the extended service business according to the blocks in the business chain process.

[0052] Specifically, based on the business category attribute information and the agricultural benefit topology, the N businesses are extended in a chain to output extended service businesses. The branches of the agricultural benefit topology are multiple business process node chains. By performing business association analysis on the candidate extended services of the enterprise terminal and the candidate extended services of the user terminal, the association coefficient is obtained through association analysis, and the businesses with high association coefficients are selected. The businesses with high association coefficients are the N businesses, which are enterprise-user associative businesses. Based on the business category attribute information, the N businesses are respectively divided into attributes to obtain the business classes corresponding to the N businesses. The number of business classes is no greater than N. According to the business classes corresponding to the N businesses, business chain process analysis is performed. According to the blocks in the business chain process, the extended service businesses are generated to improve the promotion services of the businesses and ensure the execution and implementation efficiency of the extended service businesses.

[0053] Furthermore, this application also includes:

[0054] S810: Based on the enterprise extended score result and the user extended score result, obtain M services, wherein the M services are services whose extended scores are less than or equal to the preset extended score;

[0055] S820: Based on the M services, predict the promotion and placement of services, and obtain data on the placement period and service usage.

[0056] S830: Construct a business deployment prediction curve using the data of the deployment period and business usage.

[0057] S840: Based on the business deployment prediction curve, screen and deploy the M businesses for promotional purposes.

[0058] Specifically, based on the enterprise extended score results and the user extended score results, M services are obtained, where M is a positive integer, and all M services have an extended score less than or equal to the preset extended score. Based on these M services, promotional campaigns are predicted, and data on the campaign period versus service usage is obtained. By promoting these services, user awareness of the M services is increased, and the target audience is broadened, thereby increasing the number of users of the M services. For example, most new services require promotional campaigns to increase user awareness and thus increase user usage. A service promotion prediction curve is constructed using the campaign period versus service usage data. Based on the service promotion prediction curve, the M services are selected for promotional campaigns. Services with a higher positive correlation coefficient to the promotion prediction curve receive broader promotion, while services with a lower positive correlation coefficient receive less promotion. This selection process ensures the efficiency of the promotional campaigns.

[0059] To elaborate further, a coordinate system is constructed, where the horizontal and vertical axes represent the deployment period and service usage, respectively. Deployment period data and service usage data are input into the coordinate system for data statistics. Curve fitting is then performed on the data points at the end of the statistics to construct a service deployment prediction curve.

[0060] Furthermore, step S840 includes:

[0061] S841: Based on the service deployment prediction curve, obtain M prediction results, wherein the M prediction results represent the deployment period for the M services to reach the preset usage volume;

[0062] S842: Obtain the deployment cost and economic benefits corresponding to the M prediction results;

[0063] S843: Using the aforementioned deployment cost and economic benefits as screening indicators, conduct business promotion deployment for the M businesses.

[0064] Specifically, the deployment process needs to consider the deployment cost. Based on the deployment prediction curve, M prediction results are obtained. These M prediction results represent the deployment period for the M services to reach the preset usage volume. The longer the deployment period, the higher the deployment cost. The deployment cost and economic benefits corresponding to the M prediction results are obtained respectively. Different services bring different economic benefits upon successful completion. The deployment cost is positively correlated with the deployment period and the cumulative deployment time, and is independent of the service type. Using the deployment cost and economic benefits as screening indicators, the M services are screened for promotional deployment, ensuring a balance between deployment cost and economic benefits and improving the targeting of service deployment.

[0065] In summary, the agricultural service method and system based on a financial terminal provided in this application have the following technical effects:

[0066] This application provides a method and system for providing agricultural services based on financial terminals. By acquiring information on services benefiting farmers through financial terminals, classifying services by type, and outputting service category attribute information, a topology is generated connecting enterprise terminals and user terminals with the financial terminal as the central node. It acquires enterprise interaction information via the interaction channel between the financial terminal and enterprise terminals, and user interaction information via the interaction channel between the financial terminal and user terminals. The system evaluates the business expansion of both enterprise and user interaction information, identifying N services with expansion scores greater than a preset score. These expanded services are then chained together using service category attribute information to output extended service businesses. This application achieves the technical effect of intelligently optimizing the promotion and expansion scheme of agricultural services benefiting farmers, adaptively matching the financial service requirements of farmers, and ensuring the implementation of agricultural services benefiting farmers through financial terminals.

[0067] By inputting enterprise interaction business information and user interaction business information into the business expansion evaluation model, and inputting enterprise interaction business information into the enterprise evaluation model to output enterprise expansion score results, and inputting user interaction business information into the user evaluation model to output user expansion score results, N business results are obtained based on the enterprise expansion score results and user expansion score results, providing data support for expanding agricultural service businesses.

[0068] By inputting user interaction information into the user evaluation model to obtain characteristics of rural users, regional supplementary data, and operational feedback indicators, the model analyzes the expansion needs of all services on the user terminal, outputs a set of user expansion needs, determines the user expansion score results, and outputs alternative expansion services for the user terminal, thus further ensuring the rationality of the alternative expansion services.

[0069] Example 2

[0070] Based on the same inventive concept as the aforementioned embodiment of a financial terminal-based agricultural service method, such as... Figure 4 As shown, this application provides a rural service system based on a financial terminal, wherein the system includes:

[0071] Data acquisition unit 11, the data acquisition unit 11 is used to acquire agricultural service business information based on financial terminal;

[0072] The business type classification unit 12 is used to classify the agricultural service business information into business types and output business class attribute information.

[0073] Topology connection unit 13 is used to connect enterprise terminals and user terminals based on the financial terminal as the central node to generate a benefit-the-farmers topology.

[0074] Enterprise business information acquisition unit 14, the enterprise business information acquisition unit 14 is used to acquire enterprise interactive business information based on the agricultural benefit topology structure, with the financial terminal and the enterprise terminal as the interaction channel;

[0075] User business information acquisition unit 15, the user business information acquisition unit 15 is used to acquire user interaction business information based on the benefit-the-farmers topology structure, with the financial terminal and the user terminal as the interaction channel;

[0076] Business expansion assessment unit 16 is used to conduct business expansion assessment on the enterprise interactive business information and the user interactive business information, and obtain N businesses whose expansion scores are greater than preset expansion scores.

[0077] Extended service output unit 17 is used to perform chained extension of the N services based on the service class attribute information and output extended service services.

[0078] Furthermore, the system includes:

[0079] An enterprise information input unit is used to input the enterprise interactive business information and the user interactive business information into a business expansion evaluation model, wherein the business expansion evaluation model includes an enterprise evaluation model and a user evaluation model.

[0080] The result output unit is used to input the enterprise interactive business information into the enterprise evaluation model and output the enterprise extended score result according to the enterprise evaluation model.

[0081] The user information input unit is used to input the user interaction business information into the user evaluation model and output the user extended score result according to the user evaluation model.

[0082] A business acquisition unit is configured to acquire the N businesses based on the enterprise extended rating results and the user extended rating results.

[0083] Furthermore, the system includes:

[0084] An enterprise business information input unit is used to input the enterprise interactive business information into the enterprise evaluation model to obtain business usage frequency, business transaction volume and enterprise growth indicators.

[0085] The enterprise demand analysis unit is used to perform extended demand analysis on all businesses of the enterprise terminal using the frequency of business usage, the transaction volume of the business, and the enterprise growth indicators as analysis dimensions, and outputs a set of enterprise extended demand.

[0086] An enterprise alternative service output unit is used to take the enterprise expansion demand set as the enterprise expansion score result and output alternative expansion services for the enterprise terminal.

[0087] Furthermore, the system includes:

[0088] User business information input unit, the user business information input unit is used to input the user interaction business information into the user evaluation model to obtain the characteristics of farmers benefiting from agricultural benefits, regional supplementary data and operation feedback indicators;

[0089] The user demand analysis unit is used to perform extended demand analysis on all services of the user terminal using the characteristics of the benefiting farmers, the regional supplementary data and the operation feedback indicators as analysis dimensions, and output a set of user extended demand.

[0090] The user alternative service output unit is used to take the user extension demand set as the user extension score result and output alternative extension services for the user terminal.

[0091] Furthermore, the system includes:

[0092] A business association analysis unit is used to perform business association analysis on the alternative extended services of the enterprise terminal and the alternative extended services of the user terminal to obtain the N services, wherein the N services are enterprise-user associative services;

[0093] An attribute partitioning unit is used to partition the N services based on the service class attribute information, and obtain the service classes corresponding to the N services respectively.

[0094] The process analysis unit is used to perform business chain process analysis according to the business classes corresponding to the N businesses, and generate the extended service business according to the blocks in the business chain process.

[0095] Furthermore, the system includes:

[0096] A business scoring comparison unit is used to obtain M businesses based on the enterprise extended scoring result and the user extended scoring result, wherein the M businesses are those whose extended scores are less than or equal to the preset extended scores;

[0097] The advertising and placement prediction unit is used to predict the advertising and placement of services based on the M services and obtain data on the placement period and service usage.

[0098] A prediction curve building unit is used to build a business deployment prediction curve using the data of the deployment period and business usage.

[0099] A business screening and placement unit is used to screen and place promotional advertisements for the M businesses based on the business placement prediction curve.

[0100] Furthermore, the system includes:

[0101] A prediction result acquisition unit is configured to acquire M prediction results based on the service deployment prediction curve, wherein the M prediction results represent the deployment period for the M services to reach a preset usage volume.

[0102] A cost and benefit acquisition unit is used to acquire the deployment cost and economic benefit corresponding to the M prediction results;

[0103] The indicator screening unit is used to screen the M services for promotional placement based on the placement cost and the economic benefits.

[0104] This specification and accompanying drawings are merely illustrative examples of this application, and various modifications and combinations can be made thereto without departing from the spirit and scope of this application. If such modifications and variations fall within the scope of the claims and their equivalents, this application intends to include these modifications and variations.

Claims

1. A method for providing a service for benefiting farmers based on a financial terminal, characterized in that, The method is applied to a rural service extension system, which is remotely connected to enterprise terminals and user terminals. The method includes: Obtain information on agricultural service businesses through financial terminals; By classifying agricultural service information into business types, business category attribute information is output. Based on the financial terminal as the central node, the enterprise terminal and the user terminal are connected to generate a rural benefit topology; Based on the aforementioned agricultural benefit topology, enterprise interaction business information is obtained through the interaction channel between the financial terminal and the enterprise terminal. Based on the aforementioned agricultural benefit topology, user interaction business information is obtained through the interaction channel between the financial terminal and the user terminal. The enterprise interaction business information and the user interaction business information are evaluated for business expansion, and N businesses with expansion scores greater than preset expansion scores are obtained. Based on the business class attribute information, the N businesses are chained and expanded to output extended service businesses; The method for evaluating the business expansion of the enterprise interaction business information and the user interaction business information further includes: The enterprise interaction business information and the user interaction business information are input into the business expansion evaluation model, wherein the business expansion evaluation model includes an enterprise evaluation model and a user evaluation model. The enterprise's interactive business information is input into the enterprise evaluation model, and the enterprise's extended score result is output according to the enterprise evaluation model. The user interaction business information is input into the user evaluation model, and the user extended score result is output according to the user evaluation model. Based on the enterprise extended rating results and the user extended rating results, obtain the N services; The method of chaining and expanding the N services based on the service class attribute information to output extended service services further includes: By performing business association analysis on the alternative extended services of the enterprise terminal and the alternative extended services of the user terminal, the N services are obtained, wherein the N services are enterprise-user associative services; Based on the business class attribute information, the N businesses are divided into attributes to obtain the business classes corresponding to the N businesses respectively; Based on the business categories corresponding to the N businesses, perform business chain process analysis, and generate the extended service business according to the blocks in the business chain process.

2. The method of claim 1, wherein, The method further includes: Input the enterprise interaction business information into the enterprise evaluation model to obtain business usage frequency, business transaction volume and enterprise growth indicators; Using the frequency of business usage, the transaction volume of the business, and the enterprise growth indicators as analytical dimensions, we conduct an expansion demand analysis on all businesses of the enterprise terminal and output a set of enterprise expansion demand. The enterprise expansion demand set is used as the enterprise expansion score result, and alternative expansion services for the enterprise terminal are output.

3. The method of claim 2, wherein, The method further includes: The user interaction business information is input into the user evaluation model to obtain the characteristics of farmers' benefit users, regional supplementary data, and operation feedback indicators; Taking the farmer-friendly user features, the regional-level supplementary data, and the operation feedback indicators as analysis dimensions, all services of the user terminal are subjected to extended demand analysis, and a user extended demand set is output; The user extended demand set is taken as the user extension score result, and a candidate extended service for the user terminal is output.

4. The method of claim 1, wherein, The method further comprises: According to the enterprise extension score result and the user extension score result, M services are obtained, wherein the M services are services with an extension score less than or equal to the preset extension score; Based on the M services, service promotion placement prediction is performed, and data of placement period-service usage is obtained; Based on the data of placement period-service usage, a service placement prediction curve is built; According to the service placement prediction curve, the M services are subjected to screening service promotion placement.

5. The method of claim 4, wherein, The method further comprises: According to the service placement prediction curve, M prediction results are obtained, wherein the M prediction results are placement periods for the M services to reach a preset usage; The placement cost and economic benefits corresponding to the M prediction results are obtained; The placement cost and the economic benefits are taken as screening indicators, and the M services are subjected to screening service promotion placement.

6. A financial terminal-based service system for benefiting farmers, characterized by, The system is used to perform the method according to any one of claims 1-5, and the system comprises: A data acquisition unit, configured to acquire farmer-friendly service business information based on a financial terminal; A business type division unit, configured to output business class attribute information by performing business type division on the farmer-friendly service business information; A topology connection unit, configured to connect an enterprise terminal and a user terminal based on the financial terminal as a center node, and generate a farmer-friendly topology structure; An enterprise business information acquisition unit, configured to acquire enterprise interactive business information based on the farmer-friendly topology structure, wherein the enterprise interactive business information is interactive between the financial terminal and the enterprise terminal; A user business information acquisition unit, configured to acquire user interactive business information based on the farmer-friendly topology structure, wherein the user interactive business information is interactive between the financial terminal and the user terminal; A business extension evaluation unit, configured to perform business extension evaluation on the enterprise interactive business information and the user interactive business information, and obtain N services with an extension score greater than a preset extension score; An extended service output unit, configured to perform chain extension on the N services based on the business class attribute information, and output extended service business.

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