Information processing method based on real-time consumption data

Abstract

The invention belongs to the technical field of data development and application, and particularly relates to an information processing method based on real-time consumption data, which can make full use of transaction flow information of customers to carry out precision marketing, analyzes real-time transaction flow, positions the current positions of the customers, and then provides marketing activity information of surrounding merchants for the customers. Therefore, the accuracy and real-time performance of marketing activity information pushing are greatly improved, and the consumption experience of consumers is guaranteed while the probability that the consumers participate in marketing activities is improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of data development and application, and in particular relates to an information processing method based on real-time consumption data. Background Art

[0002] In the prior art, bank marketing systems usually push the same merchant marketing information to a large number of target groups. On the one hand, there is a time difference between the time when users receive marketing activity information and the time when users arrive at the merchant. On the other hand, the merchant's marketing activities are also in dynamic changes. If users arrive at the merchant after the merchant's marketing activities are over, not only will the marketing effect not be achieved, but the user's bad consumption experience will be increased. Summary of the invention

[0003] The purpose of the present invention is to provide an information processing method based on real-time consumption data, which can effectively improve marketing accuracy to optimize user consumption experience.

[0004] To achieve the above objectives, the technical solution adopted by the present invention is:

[0005] An information processing method based on real-time consumption data comprises the following steps:

[0006] A. Extract consumption information;

[0007] When receiving a real-time consumption bill for a personal account, extract the mobile phone number registered with the personal account and the merchant account, consumption time, transaction type, consumption type, and account type information in the consumption bill;

[0008] B. Obtain marketing information;

[0009] Determine the registered address of the consumer merchant account according to the merchant account information extracted in step A, and obtain the marketing activity information of all merchants around the registered address of the consumer merchant account in the database to form a marketing information set;

[0010] C. Push marketing information;

[0011] The marketing campaign information obtained in step B is sent to the mobile phone number and / or personal software client registered in the personal account.

[0012] Compared with the prior art, the present invention has the following technical effects: it can make full use of the customer's transaction flow information for precision marketing, locate the consumer's current location by analyzing the real-time transaction flow, and then provide the consumer with marketing activity information of surrounding merchants, thereby greatly improving the accuracy and real-time nature of marketing activity information push, thereby increasing the probability of consumers participating in marketing activities while ensuring consumers' consumption experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] The following is a brief description of the contents and symbols in the drawings of this specification:

[0014] Figure 1 It is a schematic diagram of the present invention. DETAILED DESCRIPTION

[0015] The specific implementation of the present invention is further described in detail below through description of embodiments in conjunction with the accompanying drawings.

[0016] Embodiment 1

[0017] An information processing method based on real-time consumption data comprises the following steps:

[0018] A. Extract consumption information;

[0019] When receiving a real-time consumption bill for a personal account, identify and extract the mobile phone number registered for the personal account and the merchant account, consumption time, transaction type, consumption type, and account type information in the consumption bill from the real-time consumption bill.

[0020] B. Obtain marketing information;

[0021] The registered address of the consumer merchant account is determined according to the merchant account information extracted in step A, and then it can be determined that the consumer of the real-time consumption bill is near the registered address.

[0022] The marketing activity information of all merchants around the registered address of the consumer merchant account in the database is obtained to form a marketing information set 11.

[0023] C. Push marketing information;

[0024] The marketing activity information obtained in step B, that is, included in the marketing information set 11, is sent to the mobile phone number and / or personal software client registered in the personal account.

[0025] In this way, the transaction information of personal accounts can be analyzed and processed in real time to achieve the goal of pushing marketing information of surrounding merchants in real time and accurately.

[0026] In step B of this embodiment, in order to avoid the location of the obtained marketing activity information being too far away from the consumer and to increase the probability of consumers participating in the marketing activity, after determining the registered address of the merchant account, the merchant address range for publishing the marketing activity information is obtained as a circular space area with a preset distance d as the radius and the merchant account registered address as the center. In other embodiments, merchants can also be classified according to business districts in advance, so that the marketing information published by the corresponding business district can be directly obtained.

[0027] Furthermore, in order to realize personalized push of marketing activity information, in the preferred solution, after obtaining the marketing information set 11 in step B, the marketing activity information in the marketing information set 11 needs to be prioritized, and in step C, the marketing information with high priority is displayed or sent preferentially.

[0028] The following methods can be used to prioritize marketing campaign information:

[0029] Step B1, prioritizing the obtained marketing activity information according to the merchant distance.

[0030] The merchant in the real-time consumer bill transaction is recorded as the consumer merchant, and the merchant that conducts marketing activities and provides marketing activity information in the marketing information set 11 is recorded as the marketing merchant. The registered address of the marketing merchant is determined based on the registration information of the marketing merchant. The smaller the distance between the address registered by the marketing merchant and the address registered by the consumer merchant, the smaller the distance between the two, and the less walking distance consumers need to participate in marketing activities, which is convenient for consumers to participate in marketing activities nearby, so the priority of their marketing information can be improved. In other words, the smaller the distance between the address registered by the marketing merchant and the address registered by the consumer merchant, the higher the priority of the marketing activity information provided by the marketing merchant.

[0031] Step B2, prioritize the obtained marketing activity information according to the consumption type. For example, the marketing activity information submitted by the merchant can be classified according to the types of clothing, catering, entertainment, etc. After obtaining the real-time consumption bill of the personal account, the category to which the consumption belongs can be identified, and it can be preliminarily determined that the consumer has a high willingness to make the same type of consumption. Therefore, increasing the priority of the marketing information in the marketing information set 11 that is consistent with the real-time consumption type of the personal account extracted in step A can improve the accuracy of the marketing activity information push.

[0032] Step B3, prioritize the obtained marketing activity information according to the account type. In order to increase the proportion of users opening credit cards in banks, after obtaining the actual consumption bill of the personal account, first identify the account type of the real-time consumption bill of the personal account. If the account type is a debit card, query the bank database to see if there is an associated credit card for the personal account. If there is no associated credit card, that is, the consumer has not opened a credit card in the bank, the priority of the credit card marketing activity information can be increased to attract users to apply for credit cards and participate in related marketing activities.

[0033] The above three marketing activity information priority sorting methods B1, B2, and B3 are only used for distinction, not for description of sorting order. In specific implementation, one can be selected according to needs, or multiple sorting methods can be selected at the same time. When multiple sorting methods are selected, the order of each step can be changed according to needs.

[0034] Embodiment 2

[0035] In the preferred solution, before obtaining the real-time consumption bill, the relevant data of merchants in the business district, marketing activities and individual consumers can be processed to provide guarantees for the real-time and accurate push of marketing activity information and reduce the difficulty of data processing after obtaining and implementing the consumption bill.

[0036] This embodiment includes the following steps:

[0037] K. Build business district data.

[0038] First, the business district area is delineated, and then the corresponding business district information set 10 is established based on the delineated business district area. Furthermore, the merchant accounts whose business addresses are located in the delineated business district area constitute the account information set 11, and the marketing information submitted by the merchant accounts in the same account information set 11 constitutes the marketing information set 12. The account information set 11 and the marketing information set 12 are subsets of the business district information set 10. The account information set 11 includes information such as the merchant name, the merchant's business address, the license number, and the transaction account number.

[0039] A. Extract consumption information.

[0040] When the financial system receives the real-time consumption bill of a personal account, it extracts the personal account, merchant account, consumption time, and transaction type information from the consumption bill. The transaction type refers to whether the transaction is an expenditure or income.

[0041] B. Obtain marketing information.

[0042] The personal account information extracted in step A is used as a search term to query the database and obtain the mobile phone number registered with the personal account so as to send marketing information to the mobile phone number or push marketing information to the personal software client associated with the mobile phone number.

[0043] The merchant account information extracted in step A is used as a search term to query the database, determine the business district information set 10 to which it belongs, and obtain the marketing information set 12 of the business district information set 10. That is, all marketing activity information of the corresponding merchant in the business district to which it belongs is obtained according to the merchant account.

[0044] C. Push marketing information.

[0045] The information in the marketing information set 12 obtained in step B is sent to the mobile phone number or personal software client registered with the personal account, or the information in the marketing information set 12 is sent to both the mobile phone number and the personal software client registered with the personal account.

[0046] Compared with the first embodiment, after obtaining the consumption bill, this embodiment does not need to identify and search for merchants around the consumer, and can directly obtain the marketing activity information of the business district where the merchant where the consumer conducts the transaction is located, thereby improving the speed of obtaining the marketing activity information and ensuring the timeliness of the marketing activity information.

[0047] Embodiment 3

[0048] This embodiment is a preferred solution of the second embodiment. In step B, the information in the marketing information set 12 is prioritized, and in step C, the marketing information with a high priority is displayed or sent preferentially.

[0049] The merchant account extracted in step A is recorded as the consumer merchant account, and the merchant account that submits the marketing information in the marketing information set 12 is recorded as the marketing merchant account. In step B, the information in the marketing information set 12 is prioritized according to the merchant distance. The specific process is to query the bank database to obtain the business address distance between the consumer merchant account and each marketing merchant account in the marketing information set 12. The smaller the business address distance, the higher the priority of the corresponding marketing information. The marketing activity information provided by the marketing merchant account is sorted and pushed according to its priority.

[0050] Embodiment 4

[0051] The method for prioritizing the information in the marketing information set 12 in this embodiment is different from that in the third embodiment.

[0052] In step K, marketing information belonging to the same consumption type constitutes a type marketing information set 121, and the type marketing information set 121 is a subset of the marketing information set 12. For example, the marketing activity information can be classified according to food, clothing, transportation, and entertainment.

[0053] Furthermore, in step A, the consumption type information in the real-time consumption bill of the personal account is extracted to identify which consumption type the consumer's current consumption belongs to.

[0054] Then in step B, the priority of the type marketing information set 121 that is consistent with the consumption type information extracted in step A is increased, for example, the priority of the marketing activity information in the selected type marketing information set 121 is increased by one level.

[0055] If it is necessary to prioritize the information in the marketing information set 12 according to distance or other factors, the priority of the marketing information set 121 of the type consistent with the consumption type information extracted in step A can also be set to the highest priority.

[0056] In this way, after completing consumption in this category, users can obtain information about similar marketing activities in a timely manner, which can deepen their memory and increase the probability of them participating in marketing activities the next time they consume.

[0057] Embodiment 5

[0058] The method for prioritizing the information in the marketing information set 12 in this embodiment is different from that in the third and fourth embodiments.

[0059] In step K, the consumption preference label of the personal account is marked according to the historical flow information of the personal account. The consumption preference label can be set according to the consumption frequency within a set time range, such as setting the consumption preference label according to the number of consumption times of the user in a month. Or the consumption preference label can be set according to the consumption frequency within a set time period, such as the consumption preference label based on the consumption of the user in different time periods of morning, noon and evening every day.

[0060] At the same time, when the merchant account submits marketing information, it is included in the corresponding preference marketing information set 122 according to the consumer preference tag. The preference marketing information set 122 is a subset of the marketing information set 12.

[0061] When pushing marketing activity information, the information in the marketing information set 12 is prioritized according to consumption preferences in step B. Among them, the preference marketing information set 12 consistent with the personal account consumption preference tag has a high priority, the preference marketing information set 12 associated with the personal account consumption preference tag has the second highest priority, and the preference marketing information set 12 unrelated to the personal account consumption preference tag has a low priority. That is, the higher the correlation with the personal account consumption preference tag, the higher the priority of the corresponding marketing activity information.

[0062] Embodiment 5

[0063] This embodiment is different from the third, fourth and fifth embodiments in that the information in the marketing information set 12 is prioritized. The third, fourth and fifth embodiments push marketing activities from the perspective of consumer consumption habits and preferences, while this embodiment pushes marketing activities from the perspective of bank product marketing.

[0064] Here’s how to prioritize marketing campaign information:

[0065] In step K, when acquiring merchant marketing information, the credit card marketing information is included in the credit card marketing information set 123 , and the credit card marketing information set 123 is a subset of the marketing information set 12 .

[0066] In step A, the account type information in the real-time consumption bill of the personal account is extracted.

[0067] In step B, the account type of the real-time consumption bill of the personal account is identified. If the account type is a debit card, the database information is searched to determine whether there is an associated credit card. If there is no associated credit card, the priority of the credit card marketing information set 123 is increased, or the credit card marketing information set 123 is set to the highest priority. In this way, the user can see more credit card marketing activities, thereby improving the marketing success rate of the credit card.

Claims

1. An information processing method based on real-time consumption data, comprising the following steps: A. Extract consumption information; When receiving a real-time consumption bill for a personal account, extract the mobile phone number registered with the personal account and the merchant account, consumption time, transaction type, consumption type, and account type information in the consumption bill; B. Obtain marketing information; Determine the registered address of the consumer merchant account according to the merchant account information extracted in step A, and obtain the marketing activity information of all merchants around the registered address of the consumer merchant account in the database to form a marketing information set (11); C. Push marketing information; The marketing activity information in the marketing information set (11) obtained in step B is sent to the mobile phone number and / or personal software client registered in the personal account.

2. The information processing method based on real-time consumption data according to claim 1, characterized in that: In step B, after the registered address of the merchant account is determined, the merchant scope for obtaining marketing activity information is a circular space area with the merchant account registered address as the center and a preset distance d as the radius.

3. The information processing method based on real-time consumption data according to claim 1 or 2, characterized in that: In step B, the information in the marketing information set (11) is prioritized, and in step C, the marketing information with a high priority is displayed or sent first; Priority includes the following sorting methods: Step B1, prioritize the obtained marketing activity information according to the merchant distance, and determine the registration address of the marketing merchant account according to the merchant account information submitted by the marketing information. The smaller the distance between the marketing merchant registration address and the consumer merchant registration address, the higher the priority of its marketing information; Step B2, prioritizing the obtained marketing activity information according to the consumption type, and increasing the priority of the marketing information in the marketing information set (11) that is consistent with the real-time consumption type of the personal account extracted in step A; Step B3, prioritize the obtained marketing activity information according to the account type, identify the account type of the real-time consumption bill of the personal account, if the account type is a debit card, determine whether there is an associated credit card, if not, increase the priority of the credit card marketing information.

4. An information processing method based on real-time consumption data, comprising the following steps: K. Build business district data; Delineating a business district area and establishing a corresponding business district information set (10); merchant accounts whose business addresses are located within the delineated business district area constitute an account information set (11); marketing information submitted by merchant accounts in the same account information set (11) constitutes a marketing information set (12); the account information set (11) and the marketing information set (12) are subsets of the business district information set (10); A. Extract consumption information; When receiving a real-time consumption bill for a personal account, extract the personal account, merchant account, consumption time, and transaction type information from the consumption bill. B. Obtain marketing information; Use the personal account information extracted in step A as the search term to query the database and obtain the mobile phone number registered in the personal account. Using the merchant account information extracted in step A as a search term to query a database, determine the business district information set (10) to which it belongs, and obtain the marketing information set (12) of the business district information set (10); C. Push marketing information; The information in the marketing information set (12) obtained in step B is sent to the mobile phone number and / or personal software client registered in the personal account.

5. The information processing method based on real-time consumption data according to claim 4 is characterized in that: In step B, the information in the marketing information set (12) is prioritized, and in step C, the marketing information with a high priority is displayed or sent first.

6. The information processing method based on real-time consumption data according to claim 5 is characterized in that: In step B, the information in the marketing information set (12) is prioritized according to the merchant distance. The merchant account extracted in step A is referred to as the consumer merchant account, and the merchant account that submits the marketing information in the marketing information set (12) is referred to as the marketing merchant account. The database is queried to obtain the business address distance between the consumer merchant account and each marketing merchant account in the marketing information set (12). The smaller the business address distance, the higher the priority of the corresponding marketing information.

7. The information processing method based on real-time consumption data according to claim 5 or 6, characterized in that: In step K, the marketing information belonging to the same consumption type (food, clothing, transportation) constitutes a type marketing information set (121), and the type marketing information set (121) is a subset of the marketing information set (12). In step A, the consumption type information in the real-time consumption bill of the personal account is extracted. In step B, the priority of the type marketing information set (121) consistent with the consumption type information extracted in step A is increased, or the priority of the type marketing information set (121) consistent with the consumption type information extracted in step A is set to the highest priority.

8. The information processing method based on real-time consumption data according to claim 5 is characterized by: In step K, a consumption preference label is set according to the consumption frequency within a set time range and the consumption frequency within a set time period, and the consumption preference label of the personal account is marked according to the historical transaction information of the personal account; When a merchant account submits marketing information, it is included in the corresponding preferred marketing information set (122) according to the consumer preference tag, and the preferred marketing information set (122) is a subset of the marketing information set (12); In step B, the information in the marketing information set (12) is prioritized according to consumption preferences, wherein the preference marketing information set (12) consistent with the personal account consumption preference tag has a high priority, the preference marketing information set (12) associated with the personal account consumption preference tag has a second priority, and the preference marketing information set (12) unrelated to the personal account consumption preference tag has a low priority.

9. The information processing method based on real-time consumption data according to claim 5, characterized in that: In step K, when acquiring merchant marketing information, the credit card marketing information is included in the credit card marketing information set (123), and the credit card marketing information set (123) is a subset of the marketing information set (12); In step A, extract the account type information from the real-time consumption bill of the personal account. In step B, the account type of the real-time consumption bill of the personal account is identified. If the account type is a debit card, it is determined whether there is an associated credit card. If there is no associated credit card, the priority of the credit card marketing information set (123) is increased, or the credit card marketing information set (123) is set to the highest priority.

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