Message pushing method and device based on merchant transaction information, and electronic equipment
By obtaining the merchant’s basic information and real-time transaction information, risk monitoring and rating adjustments are performed, message push strategies are determined, and message push solutions are provided for merchants with more real-time and adaptive message push solutions, solving the problem of insufficient real-time and adaptive message push in the existing technology.
Patent Information
- Application Number
- CN202411544157.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-31
- Publication Date
- 2025-03-11
AI Technical Summary
The prior art has poor real-time and adaptability in the push of merchant transaction risks and marketing content messages, and usually depends on fixed time for SMS mass sending or calling.
By obtaining the merchant basic information and real-time transaction information of the target merchant, risk monitoring and rating adjustments are carried out, the message push strategy corresponding to the real-time rating is determined, and messages are pushed for the target merchant based on this.
It improves the real-time and adaptability of message push, can better adapt to the real-time needs of target merchants, and enhances the effectiveness of push.
Smart Images
Figure CN119599422A_ABST
Abstract
Description
Technical Field
[0001] The embodiments of the present application relate to the technical field of message push technology, and in particular, to a method, device, and electronic device for message push based on merchant transaction information. Background Art
[0002] With the development of science and technology, the use of technology in the financial industry is becoming more and more extensive, especially in the management of merchant transactions and marketing. It can automatically monitor the risks of merchant transactions and automatically generate content that needs to be marketed to merchants.
[0003] However, currently, the push notification of information such as transaction risks and marketing content is often done through group text messages at fixed times or through phone calls, which has poor real-time and adaptability. Summary of the invention
[0004] The embodiments of the present application provide a method, device, and electronic device for pushing messages based on merchant transaction information to improve the real-time and adaptability of push messages such as transaction risks and marketing content.
[0005] In a first aspect, an embodiment of the present application provides a method for pushing messages based on merchant transaction information, the method comprising:
[0006] Obtain the target merchant's basic information and real-time transaction information, and conduct risk monitoring on the target merchant based on the merchant's basic information and real-time transaction information to obtain real-time risk monitoring results;
[0007] The rating of the target merchant is adjusted according to the basic merchant information of the target merchant and the real-time risk monitoring results to obtain the real-time rating of the target merchant;
[0008] Determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchants based on the target merchants' basic information, target message push strategy and real-time risk monitoring results.
[0009] In a second aspect, an embodiment of the present application provides a device for pushing messages based on merchant transaction information, the device comprising:
[0010] The monitoring module is used to obtain the basic merchant information and real-time transaction information of the target merchant, and conduct risk monitoring on the target merchant based on the basic merchant information and real-time transaction information to obtain real-time risk monitoring results;
[0011] An adjustment module is used to adjust the rating of the target merchant according to the basic merchant information of the target merchant and the real-time risk monitoring result to obtain the real-time rating of the target merchant;
[0012] The push module is used to determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchant based on the merchant's basic information, target message push strategy and real-time risk monitoring results.
[0013] In a third aspect, an embodiment of the present application further provides an electronic device, the electronic device comprising:
[0014] one or more processors;
[0015] a storage device for storing one or more programs,
[0016] When one or more programs are executed by one or more processors, the one or more processors implement a method for pushing messages based on merchant transaction information as provided in any embodiment of the present application.
[0017] In a fourth aspect, an embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored, characterized in that when the program is executed by a processor, a method for pushing messages based on merchant transaction information as provided in any embodiment of the present application is implemented.
[0018] The technical solution of the embodiment of the present application obtains the basic merchant information and real-time transaction information of the target merchant, and performs risk monitoring on the target merchant based on the basic merchant information and real-time transaction information to obtain the real-time risk monitoring result; then adjusts the rating of the target merchant based on the basic merchant information and real-time risk monitoring result of the target merchant to obtain the real-time rating of the target merchant; determines the target message push strategy corresponding to the real-time rating, and pushes messages to the target merchant based on the basic merchant information, target message push strategy and real-time risk monitoring result of the target merchant. Based on this, by analyzing the basic merchant information and real-time transaction information of the target merchant, adjusting the rating of the target merchant in real time, and pushing messages to the target merchant according to the message push strategy corresponding to the rating, it is more adapted to the real-time needs of the target merchant, and the entire process is based on real-time transaction information, and the real-time performance is higher. BRIEF DESCRIPTION OF THE DRAWINGS
[0019] Figure 1 A flowchart of a method for pushing messages based on merchant transaction information provided in Example 1 of the present application;
[0020] Figure 2 A schematic diagram of the structure of a device for pushing messages based on merchant transaction information provided in Example 2 of the present application;
[0021] Figure 3 A schematic diagram of the structure of an electronic device provided in Example 3 of the present application. DETAILED DESCRIPTION
[0022] The present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present application, rather than to limit the present application. It should also be noted that, for ease of description, only the parts related to the present application, rather than all structures, are shown in the accompanying drawings.
[0023] Embodiment 1
[0024] Figure 1 A flow chart of a method for pushing messages based on merchant transaction information provided in Example 1 of the present application is shown in FIG. Figure 1 As shown, the method for pushing messages based on merchant transaction information provided in this embodiment can be applied to a platform for pushing messages based on merchant transaction information mounted on a device with data processing capability such as a computer, and can be used in conjunction with some application software to achieve a better experience. Specifically, the method may include the following steps:
[0025] Step 101: Obtain basic merchant information and real-time transaction information of a target merchant, and perform risk monitoring on the target merchant based on the basic merchant information and the real-time transaction information to obtain a real-time risk monitoring result.
[0026] In this step, the target merchant is any merchant served by the platform, and the basic merchant information of the target merchant may include but is not limited to asset information, section subscription information, push channel pre-selection information, and merchant transaction type information on the platform.
[0027] Among them, the asset information of this platform can only be read and used after the permission of the target merchant, the section subscription information is the business section of interest that the target merchant pre-selects to subscribe, and the push channel pre-selection information is the channel for message push selected by the target merchant and the destination address of each channel.
[0028] Real-time transaction information refers to relevant information about transactions that the target merchant is conducting in real time. The relevant information of the transaction may include information such as the payee, payment status, and payment fees. There may be multiple pieces of real-time transaction information. This embodiment can trigger the method of this embodiment once each time a piece of real-time transaction information is obtained. Of course, the method of this embodiment can be triggered again each time a preset number of real-time transaction information is obtained.
[0029] In addition, in this step, risk monitoring can be carried out by using automated element identification and review such as OCR recognition. The process can refer to relevant technologies and will not be described in detail here.
[0030] It should be noted that, in an optional implementation scheme, the merchant basic information includes the merchant transaction type information of the target merchant, and the merchant transaction type information is used to determine the floating range of transaction fees during the operation of the target merchant, so as to identify it as an abnormal transaction when the payment fee in the real-time transaction information exceeds the floating range.
[0031] The floating range may also be statistically adjusted based on the transaction fees in the historical transaction information of the target merchant, so that the floating range is more consistent with the daily business operations of the target merchant.
[0032] In addition, when determining the floating range of transaction fees during the operation of the target merchant based on the merchant transaction type information, the merchant transaction type information may include information such as the business category, and then based on the business category, the single transaction fees of each public merchant in the business category in the current price market are queried, and then counted as a transaction range, which serves as the floating range of transaction fees during the operation of the target merchant.
[0033] In this optional implementation scheme, the real-time risk monitoring results obtained may be risk-free or risky. Furthermore, multiple risk levels may be set for risky results to facilitate subsequent adjustment of target merchant ratings according to different risk levels.
[0034] Step 102: Adjust the rating of the target merchant according to the basic merchant information of the target merchant and the real-time risk monitoring result to obtain the real-time rating of the target merchant.
[0035] In this step, the rating of the target merchant can be divided into an initial rating process and an adjustment rating process. The initial rating process is the process of rating the target merchant for the first time, and the adjustment rating process is the process of adjusting the rating of the target merchant in this step.
[0036] Among them, the initial rating process can rely on an intelligent review process, which is used to rate the target merchant based on the basic merchant information of the target merchant. The specific rating process can refer to relevant technologies and will not be repeated here.
[0037] In this step, when adjusting the rating, the adjustment can be made based on the aforementioned real-time risk monitoring results and the basic information of the merchant. For example, when the risk monitoring result is risky, the rating of the target merchant is lowered or adjusted to a rating that can provide a risk warning. Alternatively, when the basic information of the merchant changes, the rating of the target merchant changes accordingly.
[0038] It should be noted that the rating after adjustment in this step is the real-time rating of the target merchant, that is, the rating of the target merchant at that time.
[0039] Step 103: determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchant based on the merchant basic information of the target merchant, the target message push strategy and the real-time risk monitoring result.
[0040] In this step, in order to make the pushed message more compatible with the target merchant, different message push strategies can be mapped in advance for different ratings to form a mapping relationship between ratings and message push strategies. Therefore, in this step, when determining the target message push strategy, the message push strategy corresponding to the real-time rating can be determined as the target message push strategy corresponding to the real-time rating according to the preset mapping relationship between ratings and message push strategies.
[0041] In a specific example, the mapping relationship between ratings and message push strategies can be shown in the following table:
[0042] Rating Message push strategy Rating 1 Message push strategy 1 Rating 2 Message push strategy 2 Rating 3 Message push strategy 3 …… ……
[0043] If the real-time rating of the target merchant is rating 2, then based on the mapping relationship in the above table, it can be known that the message push strategy corresponding to rating 2 is message push strategy 2, and message push strategy 2 is the target message push strategy corresponding to the real-time rating.
[0044] In addition, when pushing messages, you can first determine whether the real-time risk monitoring results trigger a risk alarm based on the real-time risk monitoring results and the preset risk alarm trigger strategy; if triggered, generate a risk alarm message based on the real-time risk monitoring results; then integrate the business messages corresponding to the target merchant based on the target message push strategy and the target merchant's basic information; and push the risk alarm message and business message to the target merchant.
[0045] Based on the above process, the messages in this embodiment are generally divided into risk warning messages and business messages. Risk warning messages are mainly used to notify when a transaction risk occurs or a target merchant's account risk occurs. Business information can be the target merchant subscribing to a business section and receiving relevant business information in the subscribed business section.
[0046] In this embodiment, the real-time risk monitoring result can be the risk level, and the preset risk alarm trigger strategy can be to issue an alarm when the risk level is higher than level 2. In a specific example, if the risk level is level 3, it is higher than level 2 risk, and it can be determined that a risk alarm is triggered.
[0047] Of course, the real-time risk monitoring result may also include the information on which the real-time risk monitoring result is generated, such as a certain transaction information. The key information in the transaction information and the aforementioned risk level may be integrated into a risk warning message.
[0048] Among them, the key information may include but is not limited to the identification of the two parties to the transaction, the transaction time and the transaction content.
[0049] In addition, for business messages, the message category to be pushed to the target merchant can be determined based on the target message push strategy and the basic merchant information of the target merchant; then the message resource pool involved in the target merchant is determined based on the message category, and the business message corresponding to the target merchant is determined based on the messages in the message resource pool.
[0050] Since the aforementioned merchant basic information includes the business section selected by the target merchant, the target message push strategy will also include the message category required to be pushed for the current real-time rating. Therefore, the message category corresponding to the business section and the message category included in the target message push strategy can be merged to obtain the message category pushed to the target merchant.
[0051] Since each message category corresponds to a message resource pool, in which multiple business messages are stored in chronological order, the latest message in the message resource pool corresponding to the message category determined above can be determined as the business message corresponding to the target merchant.
[0052] In addition, the business message may also be manually generated by the operation personnel. For example, for a new business, in order to improve the push efficiency of the new business, the operation personnel may directly generate the corresponding business message based on the new business and push it to the target merchant.
[0053] In addition, when pushing, this embodiment can first determine multiple target message receiving channels of the target merchant; and then push the risk warning message and the business message to the target merchant through the target message receiving channel.
[0054] It should be noted that when determining the target message receiving channel, it can be determined based on the target merchant's basic information and message category. The merchant basic information includes push channel pre-selection information, that is, the channel selected by the target merchant for message push and the destination address of each channel.
[0055] Since different message categories require different real-time performance and content length, you can match the target message receiving channel suitable for the message category from the selected channels. You can assign target message receiving channels to risk warning messages and business messages based on their respective message characteristics; and push risk warning messages and business messages to target merchants based on the assigned target message receiving channels.
[0056] Specifically, characteristic tags can be pre-set for each message category, and then characteristic tags can be pre-set for each channel. For a certain message, based on the characteristic tag of the message category of the message (that is, the message characteristics of the message), the channel that also has the characteristic tag is determined. This channel is the target message receiving channel for the target merchant.
[0057] It should be noted that in addition to the aforementioned real-time risk monitoring results, the present embodiment can also perform timed risk monitoring. Specifically, timed risk monitoring is performed based on the basic information of the target merchant and the historical transaction information of the target merchant to obtain timed risk monitoring results; then, based on the timed risk monitoring results and the preset risk alarm trigger strategy, it is determined whether the timed risk monitoring results trigger a risk alarm; if triggered, a risk alarm message is generated based on the timed risk monitoring results.
[0058] The push method of the periodically generated risk warning message is the same as the aforementioned real-time generated risk warning message, which will not be repeated here.
[0059] In this embodiment, the basic merchant information and real-time transaction information of the target merchant are obtained, and the target merchant is monitored for risk based on the basic merchant information and real-time transaction information to obtain the real-time risk monitoring results; then the rating of the target merchant is adjusted based on the basic merchant information and real-time risk monitoring results of the target merchant to obtain the real-time rating of the target merchant; the target message push strategy corresponding to the real-time rating is determined, and the target merchant is pushed a message based on the basic merchant information, the target message push strategy and the real-time risk monitoring results of the target merchant. Based on this, by analyzing the basic merchant information and real-time transaction information of the target merchant, the rating of the target merchant is adjusted in real time, and the message is pushed to the target merchant according to the message push strategy corresponding to the rating, which is more suitable for the real-time needs of the target merchant, and the entire process is based on real-time transaction information, and the real-time performance is higher.
[0060] Embodiment 2
[0061] Figure 2 This is a schematic diagram of the structure of a device for pushing messages based on merchant transaction information provided in Example 2 of the present application. The device for pushing messages based on merchant transaction information provided in the embodiment of the present application can execute the method for pushing messages based on merchant transaction information provided in any embodiment of the present application, and has the corresponding functional modules and beneficial effects of the execution method. The device can be implemented in software and / or hardware, such as Figure 2 As shown, the device for pushing messages based on merchant transaction information specifically includes: a monitoring module 201, an adjustment module 202, and a pushing module 203.
[0062] The monitoring module is used to obtain the basic merchant information and real-time transaction information of the target merchant, and conduct risk monitoring on the target merchant based on the basic merchant information and real-time transaction information to obtain real-time risk monitoring results;
[0063] An adjustment module is used to adjust the rating of the target merchant according to the basic merchant information of the target merchant and the real-time risk monitoring result to obtain the real-time rating of the target merchant;
[0064] The push module is used to determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchant based on the merchant's basic information, target message push strategy and real-time risk monitoring results.
[0065] Furthermore, the push module is specifically used for:
[0066] According to the preset mapping relationship between the rating and the message push strategy, the message push strategy corresponding to the real-time rating is determined as the target message push strategy corresponding to the real-time rating.
[0067] Furthermore, the push module is specifically used for:
[0068] Determine whether the real-time risk monitoring results trigger risk alarms based on the real-time risk monitoring results and the preset risk alarm triggering strategy;
[0069] If triggered, a risk warning message is generated based on the real-time risk monitoring results;
[0070] Integrate the business messages corresponding to the target merchants according to the target message push strategy and the basic merchant information of the target merchants;
[0071] Push risk warning messages and business messages to target merchants.
[0072] Furthermore, the push module is specifically used for:
[0073] Determine the message category to be pushed to the target merchant according to the target message push strategy and the basic merchant information of the target merchant;
[0074] The message resource pool involved in the target merchant is determined according to the message category, and the business message corresponding to the target merchant is determined according to the message in the message resource pool.
[0075] Furthermore, the push module is specifically used for:
[0076] Determine multiple target message receiving channels for target merchants;
[0077] Push risk warning messages and business messages to target merchants through target message receiving channels.
[0078] Furthermore, the device is specifically used for:
[0079] Perform regular risk monitoring based on the target merchant's basic information and the target merchant's historical transaction information to obtain regular risk monitoring results;
[0080] Determine whether the scheduled risk monitoring result triggers a risk alarm based on the scheduled risk monitoring result and the preset risk alarm triggering strategy;
[0081] If triggered, a risk warning message is generated based on the scheduled risk monitoring results.
[0082] Furthermore, the push module is specifically used for:
[0083] According to the message characteristics of risk warning messages and business messages, target message receiving channels are allocated to risk warning messages and business messages respectively;
[0084] Push risk warning messages and business messages to target merchants according to the assigned target message receiving channels.
[0085] Embodiment 3
[0086] Figure 3 A schematic diagram of the structure of an electronic device provided in Embodiment 3 of the present application is shown in FIG. Figure 3 As shown, the electronic device includes a processor 310, a memory 320, an input device 330 and an output device 340; the number of the processor 310 in the electronic device can be one or more. Figure 3 A processor 310 is taken as an example; the processor 310, the memory 320, the input device 330 and the output device 340 in the electronic device can be connected via a bus or other means. Figure 3 The example of connecting through bus is taken in the following.
[0087] The memory 320 is a computer-readable storage medium that can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the method for pushing messages based on merchant transaction information in the embodiment of the present invention. The processor 310 executes various functional applications and data processing of the electronic device by running the software programs, instructions and modules stored in the memory 320, that is, to implement the above-mentioned method for pushing messages based on merchant transaction information:
[0088] Obtain the target merchant's basic information and real-time transaction information, and conduct risk monitoring on the target merchant based on the merchant's basic information and real-time transaction information to obtain real-time risk monitoring results;
[0089] The rating of the target merchant is adjusted according to the basic merchant information of the target merchant and the real-time risk monitoring results to obtain the real-time rating of the target merchant;
[0090] Determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchants based on the target merchants' basic information, target message push strategy and real-time risk monitoring results.
[0091] Furthermore, the target message push strategy corresponding to the real-time rating is determined, including:
[0092] According to the preset mapping relationship between the rating and the message push strategy, the message push strategy corresponding to the real-time rating is determined as the target message push strategy corresponding to the real-time rating.
[0093] Furthermore, based on the basic merchant information of the target merchant, the target message push strategy and the real-time risk monitoring results, messages are pushed to the target merchant, including:
[0094] Determine whether the real-time risk monitoring results trigger risk alarms based on the real-time risk monitoring results and the preset risk alarm triggering strategy;
[0095] If triggered, a risk warning message is generated based on the real-time risk monitoring results;
[0096] Integrate the business messages corresponding to the target merchants according to the target message push strategy and the basic merchant information of the target merchants;
[0097] Push risk warning messages and business messages to target merchants.
[0098] Furthermore, the business messages corresponding to the target merchants are integrated according to the target message push strategy and the basic merchant information of the target merchants, including:
[0099] Determine the message category to be pushed to the target merchant according to the target message push strategy and the basic merchant information of the target merchant;
[0100] The message resource pool involved in the target merchant is determined according to the message category, and the business message corresponding to the target merchant is determined according to the message in the message resource pool.
[0101] Furthermore, risk warning messages and business messages are pushed to target merchants, including:
[0102] Determine multiple target message receiving channels for target merchants;
[0103] Push risk warning messages and business messages to target merchants through target message receiving channels.
[0104] Furthermore, the method also includes:
[0105] Perform regular risk monitoring based on the target merchant's basic information and the target merchant's historical transaction information to obtain regular risk monitoring results;
[0106] Determine whether the scheduled risk monitoring result triggers a risk alarm based on the scheduled risk monitoring result and the preset risk alarm triggering strategy;
[0107] If triggered, a risk warning message is generated based on the scheduled risk monitoring results.
[0108] Furthermore, the risk warning message and business message are pushed to the target merchant through the target message receiving channel, including:
[0109] According to the message characteristics of risk warning messages and business messages, target message receiving channels are allocated to risk warning messages and business messages respectively;
[0110] The risk warning messages and business messages are pushed to the target merchants according to the assigned target message receiving channels.
[0111] The memory 320 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created according to the use of the terminal, etc. In addition, the memory 320 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 320 may further include a memory remotely arranged relative to the processor 310, and these remote memories may be connected to the electronic device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.
[0112] Embodiment 4
[0113] Embodiment 4 of the present application further provides a storage medium including computer executable instructions, which, when executed by a computer processor, is used to execute a method for pushing messages based on merchant transaction information, the method comprising:
[0114] Obtain the target merchant's basic information and real-time transaction information, and conduct risk monitoring on the target merchant based on the merchant's basic information and real-time transaction information to obtain real-time risk monitoring results;
[0115] The rating of the target merchant is adjusted according to the basic merchant information of the target merchant and the real-time risk monitoring results to obtain the real-time rating of the target merchant;
[0116] Determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchants based on the target merchants' basic information, target message push strategy and real-time risk monitoring results.
[0117] Furthermore, the target message push strategy corresponding to the real-time rating is determined, including:
[0118] According to the preset mapping relationship between the rating and the message push strategy, the message push strategy corresponding to the real-time rating is determined as the target message push strategy corresponding to the real-time rating.
[0119] Furthermore, based on the basic merchant information of the target merchant, the target message push strategy and the real-time risk monitoring results, messages are pushed to the target merchant, including:
[0120] Determine whether the real-time risk monitoring results trigger risk alarms based on the real-time risk monitoring results and the preset risk alarm triggering strategy;
[0121] If triggered, a risk warning message is generated based on the real-time risk monitoring results;
[0122] Integrate the business messages corresponding to the target merchants according to the target message push strategy and the basic merchant information of the target merchants;
[0123] Push risk warning messages and business messages to target merchants.
[0124] Furthermore, the business messages corresponding to the target merchants are integrated according to the target message push strategy and the basic merchant information of the target merchants, including:
[0125] Determine the message category to be pushed to the target merchant according to the target message push strategy and the basic merchant information of the target merchant;
[0126] The message resource pool involved in the target merchant is determined according to the message category, and the business message corresponding to the target merchant is determined according to the message in the message resource pool.
[0127] Furthermore, risk warning messages and business messages are pushed to target merchants, including:
[0128] Determine multiple target message receiving channels for target merchants;
[0129] Push risk warning messages and business messages to target merchants through target message receiving channels.
[0130] Furthermore, the method also includes:
[0131] Perform regular risk monitoring based on the target merchant's basic information and the target merchant's historical transaction information to obtain regular risk monitoring results;
[0132] Determine whether the scheduled risk monitoring result triggers a risk alarm based on the scheduled risk monitoring result and the preset risk alarm triggering strategy;
[0133] If triggered, a risk warning message is generated based on the scheduled risk monitoring results.
[0134] Furthermore, the risk warning message and business message are pushed to the target merchant through the target message receiving channel, including:
[0135] According to the message characteristics of risk warning messages and business messages, target message receiving channels are allocated to risk warning messages and business messages respectively;
[0136] Push risk warning messages and business messages to target merchants according to the assigned target message receiving channels.
[0137] Of course, the storage medium containing computer executable instructions provided in the embodiment of the present application, whose computer executable instructions are not limited to the above method operations, can also execute related operations in the method for message push based on merchant transaction information provided in any embodiment of the present application.
[0138] Through the above description of the implementation method, the technicians in the relevant field can clearly understand that the present application can be implemented with the help of software and necessary general hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present application can be essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods of each embodiment of the present application.
[0139] It is worth noting that in the embodiment of the above-mentioned search device, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of this application.
[0140] Note that the above are only preferred embodiments of the present application and the technical principles used. Those skilled in the art will understand that the present application is not limited to the specific embodiments herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present application. Therefore, although the present application is described in more detail through the above embodiments, the present application is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present application, and the scope of the present application is determined by the scope of the appended claims.
Claims
1. A method for pushing messages based on merchant transaction information, characterized in that: The method comprises: Obtaining basic merchant information and real-time transaction information of a target merchant, and performing risk monitoring on the target merchant based on the basic merchant information and the real-time transaction information to obtain a real-time risk monitoring result; Adjusting the rating of the target merchant according to the merchant basic information of the target merchant and the real-time risk monitoring result to obtain the real-time rating of the target merchant; A target message push strategy corresponding to the real-time rating is determined, and a message is pushed to the target merchant based on the merchant basic information of the target merchant, the target message push strategy and the real-time risk monitoring result.
2. The method according to claim 1, characterized in that The determining of the target message push strategy corresponding to the real-time rating includes: According to a preset mapping relationship between the rating and the message push strategy, the message push strategy corresponding to the real-time rating is determined as the target message push strategy corresponding to the real-time rating.
3. The method according to claim 1, characterized in that The pushing a message to the target merchant based on the merchant basic information of the target merchant, the target message pushing strategy and the real-time risk monitoring result includes: Determining whether the real-time risk monitoring result triggers a risk alarm according to the real-time risk monitoring result and a preset risk alarm triggering strategy; If triggered, a risk warning message is generated according to the real-time risk monitoring result; Integrate the business messages corresponding to the target merchant according to the target message push strategy and the merchant basic information of the target merchant; The risk warning message and the business message are pushed to the target merchant.
4. The method according to claim 3, characterized in that The integrating the business message corresponding to the target merchant according to the target message push strategy and the merchant basic information of the target merchant includes: Determine the message category to be pushed to the target merchant according to the target message push strategy and the merchant basic information of the target merchant; A message resource pool involved in the target merchant is determined according to the message category, and a business message corresponding to the target merchant is determined according to the messages in the message resource pool.
5. The method according to claim 3, characterized in that: The pushing the risk warning message and the business message to the target merchant includes: Determining multiple target message receiving channels of the target merchant; The risk warning message and the business message are pushed to the target merchant through the target message receiving channel.
6. The method according to claim 3, characterized in that The method further comprises: Performing regular risk monitoring based on the basic merchant information of the target merchant and the historical transaction information of the target merchant to obtain a regular risk monitoring result; Determining whether the scheduled risk monitoring result triggers a risk alarm according to the scheduled risk monitoring result and a preset risk alarm triggering strategy; If triggered, a risk warning message is generated according to the timed risk monitoring result.
7. The method according to claim 5, characterized in that The pushing the risk warning message and the business message to the target merchant through the target message receiving channel includes: According to the message characteristics of the risk warning message and the business message, respectively, target message receiving channels are allocated to the risk warning message and the business message; The risk warning message and the business message are pushed to the target merchant according to the assigned target message receiving channel.
8. A device for pushing messages based on merchant transaction information, characterized in that: The device comprises: A monitoring module, used to obtain basic merchant information and real-time transaction information of a target merchant, and perform risk monitoring on the target merchant based on the basic merchant information and the real-time transaction information to obtain a real-time risk monitoring result; An adjustment module, configured to adjust the rating of the target merchant according to the merchant basic information of the target merchant and the real-time risk monitoring result, so as to obtain the real-time rating of the target merchant; The push module is used to determine the target message push strategy corresponding to the real-time rating, and push messages to the target merchant based on the merchant basic information of the target merchant, the target message push strategy and the real-time risk monitoring result.
9. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method for message pushing based on merchant transaction information as described in any one of claims 1 to 7.
10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method for pushing messages based on merchant transaction information as described in any one of claims 1 to 7 is implemented.