Product display method and device, program product and electronic equipment

Abstract

The invention discloses a product display method and device, a program product and electronic equipment, and relates to the field of financial science and technology, and the display method comprises the steps: obtaining a target customer number of a target customer and a target contact identifier of a target contact under the condition that the target customer triggers the target contact through a target terminal, determining target display strategy information from a preset database based on the target customer number and the target contact identifier, determining a product display sequence of all target products in the target product set based on a target display strategy indicated by the target strategy identifier contained in the target display strategy information, and displaying all the target products in the target product set based on the product display sequence. And sorting all the target products, and displaying all the sorted target products on a preset interface of the target terminal. According to the invention, the technical problem of low efficiency of product display for customers in related technologies is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a product display method and device, a program product, and an electronic device. Background Art

[0002] With the rapid development of Internet technology, financial institutions have launched a variety of applications to facilitate customers' financial management in order to facilitate customers to conduct account inquiries, transfers, purchase of financial products and other operations anytime and anywhere.

[0003] In the related technology, the customer's transaction records, consumption habits, asset status and other data are analyzed to obtain the customer's financial needs and preferences, and then the products to be displayed on the page and the order of the products to be displayed are determined based on the customer's financial needs and preferences.

[0004] However, analyzing customer preferences through large amounts of data and then displaying products based on those preferences results in low display efficiency and the inability to update the products displayed to customers in a timely manner.

[0005] To the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0006] The embodiments of the present invention provide a product display method and device, a program product, and an electronic device, so as to at least solve the technical problem of low efficiency in displaying products to customers in the related art.

[0007] According to one aspect of an embodiment of the present invention, a product display method is provided, comprising: when a target customer triggers a target contact through a target terminal, obtaining a target customer number of the target customer and a target contact identifier of the target contact, wherein the target contact is pre-associated with a target product set; based on the target customer number and the target contact identifier, determining target display strategy information from a preset database, wherein a plurality of display strategy information are pre-stored in the preset database, each display strategy information at least including: a strategy identifier; determining a product display order of all target products in the target product set based on a target display strategy indicated by a target strategy identifier contained in the target display strategy information; based on the product display order, sorting all target products, and displaying all sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface on which the target contact is deployed.

[0008] Furthermore, when the target customer triggers the target contact through the target terminal, before obtaining the target customer number of the target customer and the target contact identifier of the target contact, it also includes: deploying the contact on the interface of the preset application, wherein the contact includes at least: contact identifier, contact effective time, and product set; the contact becomes effective when the current time reaches the contact effective time.

[0009] Furthermore, after deploying the contacts on the interface of the preset application, it also includes: constructing multiple display strategies for each contact, wherein the display strategy corresponds to display strategy information; for each contact, determining the traffic ratio of each display strategy associated with the contact, wherein the sum of the traffic ratios of all display strategies associated with each contact is 1; adding the traffic ratio to the display strategy information, and storing the display strategy information in a preset database.

[0010] Furthermore, based on the target customer number and the target contact identifier, the step of determining the target display strategy information from a preset database includes: determining a display strategy information set associated with the target contact identifier from the preset database; performing a hash calculation on the target customer number to obtain a customer hash value; matching the customer hash value with a strategy number range of each display strategy information in the display strategy information set, wherein the strategy number range is determined based on a traffic ratio contained in the display strategy information; and determining the display strategy information that has been successfully matched as the target display strategy information.

[0011] Furthermore, the step of determining the product display order of all target products in the target product set based on the target display strategy indicated by the target strategy identifier contained in the target display strategy information includes: determining a target sorting model based on the target display strategy; obtaining target customer data of the target customer, and inputting the target customer data and all target products into the target sorting model, and outputting the display order of all target products.

[0012] Furthermore, before determining the target sorting model based on the target display strategy, it also includes: constructing an initial sorting model for each display strategy; based on the display strategy, collecting historical customer data and selecting multiple historical products; based on the display strategy, determining the historical product display order corresponding to the multiple historical products; training the initial sorting model based on the historical customer data, multiple historical products and the historical product display order to obtain a trained sorting model.

[0013] Furthermore, after displaying all the sorted target products on the preset interface of the target terminal, it also includes: obtaining display index values ​​of all display strategies associated with the target touchpoint, wherein the display index value is determined based on the trigger data of all products displayed by the display strategy, and the trigger data is the data generated when the customer triggers the product through the terminal; based on the display index value of each display strategy, adjusting the traffic ratio of each display strategy associated with the target touchpoint.

[0014] According to another aspect of an embodiment of the present invention, a product display device is also provided, including: an acquisition unit, used to acquire a target customer number of a target customer and a target contact identifier of a target contact when a target customer triggers a target contact through a target terminal, wherein the target contact is pre-associated with a target product set; a first determination unit, used to determine target display strategy information from a preset database based on the target customer number and the target contact identifier, wherein a plurality of display strategy information are pre-stored in the preset database, and each display strategy information includes at least: a strategy identifier; a second determination unit, used to determine a product display order of all target products in the target product set based on a target display strategy indicated by a target strategy identifier contained in the target display strategy information; a sorting unit, used to sort all target products based on the product display order, and display all sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface on which target contacts are deployed.

[0015] Furthermore, the display device also includes: a first deployment module, which is used to deploy contacts on the interface of a preset application before obtaining the target customer number of the target customer and the target contact identifier of the target contact when the target customer triggers the target contact through the target terminal, wherein the contact includes at least: a contact identifier, a contact effective time, and a product set; the contact becomes effective when the current time reaches the contact effective time.

[0016] Furthermore, the display device also includes: a first construction module, which is used to construct multiple display strategies for each contact after deploying the contact on the interface of the preset application, wherein the display strategy corresponds to the display strategy information; a first determination module, which is used to determine the traffic ratio of each display strategy associated with each contact for each contact, wherein the sum of the traffic ratios of all display strategies associated with each contact is 1; a first adding module, which is used to add the traffic ratio to the display strategy information and store the display strategy information in a preset database.

[0017] Furthermore, the first determination unit includes: a second determination module, used to determine a display strategy information set associated with a target contact identifier from a preset database; a first calculation module, used to perform hash calculation on a target customer number to obtain a customer hash value; a first matching module, used to match the customer hash value with a strategy number range of each display strategy information in the display strategy information set, wherein the strategy number range is determined based on a traffic ratio contained in the display strategy information; and a third determination module, used to determine the display strategy information that has been successfully matched as the target display strategy information.

[0018] Furthermore, the second determination unit includes: a fourth determination module, used to determine the target sorting model based on the target display strategy; a first acquisition module, used to obtain target customer data of the target customer, and input the target customer data and all target products into the target sorting model, and output the display order of all target products.

[0019] Furthermore, the display device also includes: a second construction module, which is used to construct an initial sorting model for each display strategy before determining the target sorting model based on the target display strategy; a first collection module, which is used to collect historical customer data based on the display strategy and select multiple historical products; a fifth determination module, which is used to determine the historical product display order corresponding to multiple historical products based on the display strategy; and a first training module, which is used to train the initial sorting model based on the historical customer data, multiple historical products and the historical product display order to obtain a trained sorting model.

[0020] Furthermore, the display device also includes: a second acquisition module, which is used to obtain the display index values ​​of all display strategies associated with the target contact after displaying all the sorted target products on the preset interface of the target terminal, wherein the display index value is determined based on the trigger data of all products displayed by the display strategy, and the trigger data is the data generated when the customer triggers the product through the terminal; a first adjustment module, which is used to adjust the traffic ratio of each display strategy associated with the target contact based on the display index value of each display strategy.

[0021] According to another aspect of an embodiment of the present invention, a computer program product is provided, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the display method of any of the above products is implemented.

[0022] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by one or more processors, the one or more processors implement any of the above-mentioned product display methods.

[0023] In the present invention, when a target customer triggers a target contact through a target terminal, a target customer number of the target customer and a target contact identifier of the target contact are obtained, and based on the target customer number and the target contact identifier, target display strategy information is determined from a preset database, and based on the target display strategy indicated by the target strategy identifier contained in the target display strategy information, a product display order of all target products in a target product set is determined, and based on the product display order, all target products are sorted, and all sorted target products are displayed on a preset interface of the target terminal, thereby solving the technical problem of low efficiency in product display to customers in the related art.

[0024] In the present invention, target display strategy information for product display for customers can be determined based on the customer's customer number, and then the product display order of the product set associated with the target touchpoint triggered by the customer can be determined based on the target display strategy information. After that, the products are displayed on the front-end interface in the product display order, which can more accurately match the customer's needs and improve the personalization and effectiveness of product display, thereby achieving the technical effect of increasing customer satisfaction and product conversion rate. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of the present invention. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0026] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a product display method is shown;

[0027] Figure 2 is a flow chart of a method for displaying a product according to Embodiment 1 of the present invention;

[0028] Figure 3 is a schematic diagram of an optional product display device according to an embodiment of the present invention;

[0029] Figure 4 is a structural block diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0030] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0032] It should be noted that the product display method and device thereof in the present invention can be used in the field of financial technology to display products, and can also be used in any field other than the field of financial technology to display products. The application field of the product display method and device thereof in the present invention is not limited.

[0033] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) collected and involved in the present invention are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with the relevant laws, regulations and standards of the relevant regions, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set between the system and the relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0034] In the present invention, by dynamically adjusting the display strategy based on customer data and contact information, the needs of target customers can be matched more accurately, and the personalization and effectiveness of product display can be improved. By adjusting the traffic ratio, the display strategy can be continuously optimized to improve the display effect, thereby increasing customer satisfaction and product conversion rate. In addition, by training the sorting model, the future product display order can be predicted and optimized based on historical data, further improving the intelligence level of the display strategy.

[0035] The present invention is described in detail below in conjunction with various embodiments.

[0036] Example 1

[0037] According to an embodiment of the present application, an embodiment of a product display method is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0038] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a product display method is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 102a, 102b, ..., 102n are used to illustrate) processor 102 (processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, a keyboard, a cursor control device, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera, wherein the network interface may be connected to a wired and / or wireless network. A person of ordinary skill in the art will understand that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0039] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0040] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the product display method in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned product display method. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 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.

[0041] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0042] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0043] Under the above operating environment, this application provides Figure 2 The method of displaying the product shown. Figure 2 is a flow chart of a method for displaying a product according to Embodiment 1 of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0044] Step S201, when a target customer triggers a target touchpoint through a target terminal, a target customer number of the target customer and a target touchpoint identifier of the target touchpoint are obtained, wherein the target touchpoint is pre-associated with a target product set.

[0045] In the embodiment of the present invention, a product display system may be used to execute the product display method.

[0046] In an embodiment of the present invention, when a target customer accesses an application (i.e., an application provided by a financial institution, so that the customer can conduct financial business online through the application) through his or her terminal device (i.e., a target terminal, such as a smart phone, a computer, etc.) and triggers a contact pre-deployed on the application (for example, a customer accesses a mobile banking application and opens a wealth management product recommendation page), the product display system can automatically obtain the target customer's customer number (i.e., the customer's unique number in the financial institution) and the contact identifier of the target contact triggered by the target customer, so that the target contact can be pre-associated with a target product set and product display can be performed in a certain order in the future.

[0047] Here, a touchpoint is a specific point at which a user interacts with an application or website, for example, clicking on the "financial products" area jumps to a pre-configured page. In an embodiment of the present invention, each touchpoint is pre-associated with a specific set of products so that when the touchpoint is triggered, the relevant products are displayed to the user. A touchpoint identifier is a unique code or identifier used to identify a touchpoint.

[0048] Step S202: determining target display strategy information from a preset database based on the target customer number and the target contact point identifier, wherein the preset database pre-stores a plurality of display strategy information, each display strategy information at least including: a strategy identifier.

[0049] In an embodiment of the present invention, each contact identifier is associated with a plurality of relevant display strategy information, and the product display system can obtain corresponding target display strategy information from the data lake (ie, the preset database) according to the customer number and the contact identifier.

[0050] Here, the preset database pre-stores a plurality of display strategy information, and each display strategy information has its strategy identifier, which is used to distinguish different recommendation algorithms or rules.

[0051] Step S203: determining a product display order of all target products in the target product set based on the target display strategy indicated by the target strategy identifier included in the target display strategy information.

[0052] In an embodiment of the present invention, the product display system can use the target strategy identifier contained in the acquired target display strategy information to call the corresponding target display strategy to calculate the optimal order for displaying all target products in the target product set (i.e., the product display order), which helps to increase the possibility of the product being clicked and purchased by customers.

[0053] Step S204, sorting all target products based on the product display order, and displaying all sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface with target touch points deployed.

[0054] In an embodiment of the present invention, based on the calculated product display order, the product display system can reorder all products in the target product set and display these products on the preset interface corresponding to the target touch point, ensuring that the recommended content seen by the customer is the most in line with his needs and preferences.

[0055] Here, the preset interface refers to the user interface with target touchpoints, that is, the part of the application interface that customers see on the terminal device, such as the financial product recommendation area of ​​the mobile banking application.

[0056] In summary, the target display strategy information for product display for the customer can be determined based on the customer's customer number, and then the product display order of the product set associated with the target touchpoint triggered by the customer can be determined based on the target display strategy information. After that, the products are displayed on the front-end interface in the product display order, which can more accurately match the customer's needs and improve the personalization and effectiveness of product display, thereby achieving the technical effect of increasing customer satisfaction and product conversion rate, and then solving the technical problem of low efficiency in product display to customers in related technologies.

[0057] In order to capture the business operations performed by customers for the subsequent product display, in the product display method provided in Example 1 of the present application, when the target customer triggers the target contact through the target terminal, before obtaining the target customer number of the target customer and the target contact identifier of the target contact, the contact is deployed on the interface of the preset application, wherein the contact includes at least: a contact identifier, a contact effective time, and a product set; the contact becomes effective when the current time reaches the contact effective time.

[0058] In an embodiment of the present invention, touchpoints may be deployed on the interface of a preset application. The preset application refers to a mobile banking application or other digital financial application provided by a financial institution. A touchpoint is a point where a customer interacts with a specific function or area in an application, such as a financial product recommendation touchpoint. Deploying touchpoints means presetting interaction points on these interfaces so that when triggered by a customer, the corresponding strategy can be immediately called to display the page.

[0059] In an embodiment of the present invention, a touch point includes at least: a touch point identifier, a touch point effective time, and an associated product set. The touch point identifier is a code or identifier used to uniquely identify the touch point, the touch point effective time is a preset date and time, and the product set is a series of financial products associated with the touch point to be displayed to the customer.

[0060] In the embodiment of the present invention, the effective time of the touchpoint is set according to business needs. For example, a financial institution may want to update the touchpoint display strategy when a new product is released or a recommendation activity begins. When the current time reaches the preset touchpoint effective time, the touchpoint takes effect immediately, which means that the touchpoint on the application interface will update its display strategy information and start using the new strategy for product recommendations. In this way, the timeliness and accuracy of the display strategy are ensured, and the low display efficiency caused by delayed strategy updates is avoided.

[0061] In order to improve the accuracy of determining the display strategy information, in the product display method provided in Example 1 of the present application, after the contacts are deployed on the interface of the preset application, multiple display strategies are constructed for each contact, wherein the display strategy corresponds to the display strategy information; for each contact, the traffic ratio of each display strategy associated with the contact is determined, wherein the sum of the traffic ratios of all display strategies associated with each contact is 1; the traffic ratio is added to the display strategy information, and the display strategy information is stored in a preset database.

[0062] In the embodiment of the present invention, after deploying the touchpoints on the application interface, such as the financial product recommendation touchpoint, multiple display strategies can be constructed for each touchpoint. These strategies are based on different algorithms and rules, covering multiple dimensions such as customer interest preferences, historical return performance, and market trend analysis. The display strategy corresponds to the display strategy information, which includes the strategy identifier, strategy name, etc.

[0063] In an embodiment of the present invention, for each touch point, the traffic ratio of each display strategy associated therewith can be determined according to the business objectives and historical data. The traffic ratio reflects the importance and frequency of use of the strategy in the actual display, ensuring the balance between different strategies. When setting the traffic ratio, it is necessary to ensure that the sum of the traffic ratios of all display strategies is 1.

[0064] In an embodiment of the present invention, a corresponding traffic ratio can be added to the display strategy information, and the traffic ratio is used to determine the traffic allocated to each display strategy. For example, a certain contact corresponds to 3 display strategies, the traffic ratio of display strategy A is 30%, the traffic ratio of display strategy B is 50%, and the traffic ratio of display strategy C is 20%. Currently, there are 100 customers who trigger the contact, then display strategy A will be allocated to 30 of them, display strategy B will be allocated to 50 of them, and display strategy C will be allocated to 20 of them.

[0065] In an embodiment of the present invention, all display strategy information (including strategy identifier, strategy name, traffic ratio, etc.) will be stored in a preset database to facilitate subsequent rapid access and processing of the strategy information, ensuring that the display strategy can take effect quickly when the customer triggers the touchpoint.

[0066] In order to improve the accuracy of determining the target display strategy information corresponding to the target customer, in the product display method provided in Example 1 of the present application, a display strategy information set associated with the target contact identifier is determined from a preset database; a hash calculation is performed on the target customer number to obtain a customer hash value; the customer hash value is matched with the strategy number range of each display strategy information in the display strategy information set, wherein the strategy number range is determined based on the traffic ratio contained in the display strategy information; and the display strategy information that is successfully matched is determined as the target display strategy information.

[0067] In an embodiment of the present invention, when a target customer triggers a contact, the product display system can call the engine interface to upload the target customer number and the target contact identifier to the data center. The data center can retrieve the display strategy information set associated with the contact identifier from the preset database (i.e., the data lake). The display strategy information set contains detailed information on multiple strategies under the contact identifier, including the strategy identifier, strategy name, and the traffic ratio allocated to each strategy.

[0068] In the embodiment of the present invention, a customer hash value can be calculated by a hash function according to the target customer number. Hash calculation can convert a customer number of any length into a hash value of fixed length. This conversion process is consistent and irreversible, that is, the same customer number always gets the same hash value, and the customer number cannot be inferred from the hash value. For example, through hash calculation, the customer number is converted into a hash value between 1 and 100.

[0069] In an embodiment of the present invention, the customer hash value can be compared with the policy number range of each display policy information in the display policy information set. If the customer hash value successfully matches the policy number range of a certain display policy information, the display policy information is determined as the target display policy information. Afterwards, the corresponding algorithm model can be called according to the target display policy information to determine the product display order and push it to the target customer.

[0070] In this embodiment, the policy number range is pre-divided according to the traffic ratio in the display policy information. For example, if the traffic ratio of policy A is 40% and the traffic ratio of policy B is 60%, the policy number range of policy A and policy B will be defined according to this ratio, that is, the policy number range of policy A is 1-40, and the policy number range of policy B is 41-100. In this way, each policy is ensured to be allocated to customers according to the predetermined traffic ratio.

[0071] In this embodiment, by adopting a hash matching strategy selection mechanism, the personalization and fairness of traffic distribution is achieved, which not only improves the efficiency and targeting of product display, but also ensures the diversity and testing effect of display strategies through dynamic traffic ratio allocation, thereby continuously optimizing display strategies and improving product conversion rates and customer satisfaction.

[0072] In order to improve the accuracy of determining the product display order, in the product display method provided in Example 1 of the present application, a target sorting model is determined based on a target display strategy; target customer data of target customers is obtained, and the target customer data and all target products are input into the target sorting model, and the display order of all target products is output.

[0073] In the embodiment of the present invention, different display strategies correspond to different ranking models. For example, strategy A is a strategy for displaying products based on customer interests, and the model corresponding to strategy A is a model for recommending based on customer interests; strategy B is a strategy for displaying products based on historical revenue, and the model corresponding to strategy B is a model for recommending based on historical revenue. When a customer visits, it is determined based on the customer number that the customer uses strategy A, and the customer interest recommendation model can be used to process the customer's historical behavior data to obtain the product order recommended for the customer.

[0074] In an embodiment of the present invention, a target ranking model corresponding to the target display strategy may be determined first. And, target customer data of target customers is collected. For example, if the determined target ranking model is a customer interest recommendation model, the collected customer data is the customer's historical transaction data and preference data, etc. Then, these data are input into the model together with all target products under the touch point. The model analyzes the customer data, combines the attributes and market performance of the product, and calculates the display priority (i.e., display order) of each product for the customer, so as to display the products in order of priority on the preset interface, thereby increasing the customer's click-through rate and purchase rate of the product and improving the user experience.

[0075] In this embodiment, by determining the target ranking model based on the target display strategy and combining the target customer data, personalized product display can be achieved, which not only improves the display efficiency, but also ensures that the display content is highly matched with the customer's needs and preferences, thereby increasing the product's attractiveness and conversion rate.

[0076] In order to improve the accuracy of the sorting model, in the product display method provided in Example 1 of the present application, before determining the target sorting model based on the target display strategy, an initial sorting model is constructed for each display strategy; based on the display strategy, historical customer data is collected and multiple historical products are selected; based on the display strategy, a historical product display order corresponding to the multiple historical products is determined; based on the display strategy, the initial sorting model is trained based on the historical customer data, the multiple historical products and the historical product display order to obtain a trained sorting model.

[0077] In an embodiment of the present invention, for each display strategy under a touchpoint, an initial sorting model may be constructed first. The initial sorting model may be an algorithm based on machine learning, such as logistic regression, decision tree, random forest, or deep learning model, which is used to predict customer responses to products. The purpose of constructing the initial model is to provide a basic framework for subsequent training to ensure that the model can understand the basic rules and logic of product display.

[0078] In an embodiment of the present invention, in order to train the model, it is necessary to collect historical customer data related to a specific display strategy from the data lake, including but not limited to: basic customer information, historical transaction records, page browsing behavior, etc. At the same time, it is also necessary to select multiple historical products that have been displayed under the strategy, and these products constitute a case library for model learning. Then, it is also necessary to determine the order in which historical products are displayed to customers under a specific display strategy. This order reflects the policy's setting of product priorities and is one of the key inputs for model training. The purpose of determining the order in which historical products are displayed is to guide the model to learn how to optimize the product display order according to the policy rules to improve display efficiency and customer satisfaction.

[0079] In an embodiment of the present invention, these data (i.e., historical customer data, multiple historical products, and historical product display order) can be used to train an initial sorting model to adjust model parameters so that it can accurately predict customer responses to products and optimize product display order based on display strategies.

[0080] In this embodiment, by constructing and training multiple sorting models for different display strategies, these models can learn based on historical customer data and product display order, predict and optimize the order of product display to improve the personalization and efficiency of the display, which not only improves the targetedness of product display, but also increases customer engagement and satisfaction.

[0081] In order to improve the accuracy of the traffic ratio of each display strategy, in the product display method provided in Example 1 of the present application, after displaying all the sorted target products on the preset interface of the target terminal, the display index values ​​of all the display strategies associated with the target touch points are obtained, wherein the display index values ​​are determined based on the trigger data of all the products displayed by the display strategies, and the trigger data are the data generated when the customer triggers the product through the terminal; based on the display index value of each display strategy, the traffic ratio of each display strategy associated with the target touch point is adjusted.

[0082] In an embodiment of the present invention, after displaying products to customers according to corresponding display strategies, the click-through rate, purchase rate and other indicators (i.e., display indicator values) corresponding to each customer for the products can be counted. For example, the data (i.e., trigger data) generated when the customer triggers (clicks, purchases, etc.) the product through the terminal can be collected, and then by counting these trigger data, the customer's click-through rate, purchase rate and other indicators can be obtained.

[0083] In the embodiment of the present invention, the product display system can periodically obtain the trigger data of these display strategies from the preset database, and then calculate the corresponding display index value to evaluate the actual effect of each strategy so as to adjust the traffic ratio later.

[0084] In an embodiment of the present invention, after obtaining the display index values ​​of all display strategies, it is possible to identify which strategies are more effective in product display and which strategies may need to be improved or used less by comparing the display index values, so as to automatically adjust the traffic ratio of each strategy under the target touchpoint according to the display effect. The adjustment of the traffic ratio follows the principle of "rewarding the good and punishing the bad", that is, strategies with excellent performance will receive higher traffic allocation, while strategies with poor performance will have their traffic reduced accordingly. This adjustment process is dynamic and can be performed periodically based on the latest trigger data and display index values ​​to ensure that the traffic allocation of the strategy always reflects the latest market and customer behavior trends.

[0085] In an embodiment of the present invention, the adjusted traffic ratio is applied to the display strategy under the target touchpoint, thereby optimizing the order and frequency of product display, improving the pertinence of product display, increasing click-through rate and conversion rate, strengthening the interaction between customers and financial institutions, and ultimately promoting business growth.

[0086] In this embodiment, by introducing a feedback mechanism for display index values ​​and adjusting the traffic ratio of the display strategy based on the feedback mechanism, the efficiency and personalization level of traffic distribution can be effectively improved, ensuring that the most effective strategy can obtain more traffic, thereby improving customer experience and business results.

[0087] The product display method provided in the embodiment of the present application can determine the target display strategy information for product display for the customer based on the customer's customer number, and then determine the product display order of the product set associated with the target touchpoint triggered by the customer based on the target display strategy information, and then display the products on the front-end interface in the product display order, which can more accurately match the customer's needs and improve the personalization and effectiveness of product display, thereby achieving the technical effect of increasing customer satisfaction and product conversion rate, and further solving the technical problem of low efficiency in product display to customers in related technologies.

[0088] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0089] Example 2

[0090] The embodiment of the present application also provides a product display device. It should be noted that the product display device of the embodiment of the present application can be used to execute the product display method provided in the embodiment of the present application. The product display device provided in the embodiment of the present application is introduced below.

[0091] According to an embodiment of the present application, a device for implementing the above-mentioned product display method is also provided. Figure 3 is a schematic diagram of an optional product display device according to an embodiment of the present invention, such as Figure 3 As shown, the display device may include: an acquisition unit 30 , a first determination unit 31 , a second determination unit 32 , and a sorting unit 33 .

[0092] The acquisition unit 30 is used to acquire the target customer number of the target customer and the target contact identifier of the target contact when the target customer triggers the target contact through the target terminal, wherein the target contact is pre-associated with the target product set;

[0093] The first determining unit 31 is used to determine the target display strategy information from a preset database based on the target customer number and the target contact point identifier, wherein the preset database pre-stores a plurality of display strategy information, each display strategy information at least including: a strategy identifier;

[0094] A second determining unit 32 is used to determine a product display order of all target products in the target product set based on the target display strategy indicated by the target strategy identifier included in the target display strategy information;

[0095] The sorting unit 33 is used to sort all target products based on the product display order, and display all sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface with target touch points deployed.

[0096] The product display device provided in the embodiment of the present application can determine the target display strategy information for product display for the customer based on the customer's customer number, and then determine the product display order of the product set associated with the target touch point triggered by the customer based on the target display strategy information, and then display the products on the front-end interface in the product display order, which can more accurately match the customer's needs and improve the personalization and effectiveness of product display, thereby achieving the technical effect of increasing customer satisfaction and product conversion rate, and further solving the technical problem of low efficiency in product display to customers in related technologies.

[0097] Optionally, the display device also includes: a first deployment module, which is used to deploy contacts on the interface of a preset application before obtaining the target customer number of the target customer and the target contact identifier of the target contact when the target customer triggers the target contact through the target terminal, wherein the contact includes at least: a contact identifier, a contact effective time, and a product set; the contact becomes effective when the current time reaches the contact effective time.

[0098] Optionally, the display device also includes: a first construction module, used to construct multiple display strategies for each contact after deploying the contact on the interface of the preset application, wherein the display strategy corresponds to display strategy information; a first determination module, used to determine the traffic ratio of each display strategy associated with each contact, wherein the sum of the traffic ratios of all display strategies associated with each contact is 1; a first adding module, used to add the traffic ratio to the display strategy information, and store the display strategy information in a preset database.

[0099] Optionally, the first determination unit includes: a second determination module, used to determine a display strategy information set associated with a target contact identifier from a preset database; a first calculation module, used to perform hash calculation on a target customer number to obtain a customer hash value; a first matching module, used to match the customer hash value with a strategy number range of each display strategy information in the display strategy information set, wherein the strategy number range is determined based on a traffic ratio contained in the display strategy information; and a third determination module, used to determine the display strategy information that has been successfully matched as the target display strategy information.

[0100] Optionally, the second determination unit includes: a fourth determination module, used to determine the target sorting model based on the target display strategy; a first acquisition module, used to obtain target customer data of the target customer, and input the target customer data and all target products into the target sorting model, and output the display order of all target products.

[0101] Optionally, the display device also includes: a second construction module, used to construct an initial sorting model for each display strategy before determining the target sorting model based on the target display strategy; a first collection module, used to collect historical customer data based on the display strategy and select multiple historical products; a fifth determination module, used to determine the historical product display order corresponding to multiple historical products based on the display strategy; a first training module, used to train the initial sorting model based on the historical customer data, multiple historical products and the historical product display order to obtain a trained sorting model.

[0102] Optionally, the display device also includes: a second acquisition module, which is used to obtain the display index values ​​of all display strategies associated with the target contact after displaying all the sorted target products on the preset interface of the target terminal, wherein the display index value is determined based on the trigger data of all products displayed by the display strategy, and the trigger data is the data generated when the customer triggers the product through the terminal; a first adjustment module, which is used to adjust the traffic ratio of each display strategy associated with the target contact based on the display index value of each display strategy.

[0103] The above-mentioned display device may also include a processor and a memory. The above-mentioned acquisition unit 30, the first determination unit 31, the second determination unit 32, the sorting unit 33, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0104] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and all target products are sorted based on the product display order by adjusting kernel parameters, and all sorted target products are displayed on the preset interface of the target terminal.

[0105] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one storage chip.

[0106] It should be noted that the acquisition unit 30, the first determination unit 31, the second determination unit 32, and the sorting unit 33 correspond to steps S201 to S204 in Example 1, and the examples and application scenarios implemented by the above units and the corresponding steps are the same, but are not limited to the contents disclosed in the above Example 1. It should be noted that the above units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above units can also be run in the computer terminal 10 provided in Example 1 as part of the device.

[0107] Example 3

[0108] An embodiment of the present application may provide an electronic device, Figure 4 is a structural block diagram of an electronic device according to an embodiment of the present invention. Figure 4 As shown, the electronic device may include: one or more ( Figure 4 (only one is shown) processor 402, memory 404, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0109] Among them, the memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the display method and device of the product in the embodiment of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the display method of the above-mentioned product. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal 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.

[0110] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: when the target customer triggers the target contact through the target terminal, obtain the target customer number of the target customer and the target contact identifier of the target contact, wherein the target contact is pre-associated with a target product set; based on the target customer number and the target contact identifier, determine the target display strategy information from a preset database, wherein a plurality of display strategy information are pre-stored in the preset database, and each display strategy information includes at least: a strategy identifier; based on the target display strategy indicated by the target strategy identifier contained in the target display strategy information, determine the product display order of all target products in the target product set; based on the product display order, sort all target products, and display all sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface deployed with target contacts.

[0111] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: deploying contacts on the interface of the preset application, wherein the contacts include at least: contact identification, contact effective time, and product set; the contacts become effective when the current time reaches the contact effective time.

[0112] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: construct multiple display strategies for each contact, wherein the display strategy corresponds to the display strategy information; for each contact, determine the traffic ratio of each display strategy associated with the contact, wherein the sum of the traffic ratios of all display strategies associated with each contact is 1; add the traffic ratio to the display strategy information, and store the display strategy information in a preset database.

[0113] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: determine the display strategy information set associated with the target contact identifier from a preset database; perform hash calculation on the target customer number to obtain a customer hash value; match the customer hash value with the strategy number range of each display strategy information in the display strategy information set, wherein the strategy number range is determined based on the traffic ratio contained in the display strategy information; and determine the display strategy information that successfully matches as the target display strategy information.

[0114] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: determine the target sorting model based on the target display strategy; obtain the target customer data of the target customer, and input the target customer data and all target products into the target sorting model, and output the display order of all target products.

[0115] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: construct an initial sorting model for each display strategy; based on the display strategy, collect historical customer data and select multiple historical products; based on the display strategy, determine the historical product display order corresponding to the multiple historical products; train the initial sorting model based on the historical customer data, multiple historical products and the historical product display order to obtain a trained sorting model.

[0116] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtain the display index values ​​of all display strategies associated with the target contact, wherein the display index values ​​are determined based on the trigger data of all products displayed by the display strategy, and the trigger data is the data generated when the customer triggers the product through the terminal; based on the display index value of each display strategy, adjust the traffic ratio of each display strategy associated with the target contact.

[0117] By adopting the embodiment of the present application, a solution for displaying products is provided. According to the customer's customer number, the target display strategy information for displaying products for the customer can be determined, and then the product display order of the product set associated with the target touchpoint triggered by the customer can be determined according to the target display strategy information, and then the products are displayed on the front-end interface in the product display order, which can more accurately match the needs of customers and improve the personalization and effectiveness of product display, thereby achieving the technical effect of increasing customer satisfaction and product conversion rate, and thus solving the technical problem of low efficiency of product display for customers in related technologies.

[0118] It can be understood by those skilled in the art that Figure 4 The structure shown is for illustration only, and the electronic device may also be a terminal device such as a smart phone, a tablet computer, a PDA, and a mobile Internet device (Mobile Internet Devices, MID). Figure 4 The structure of the electronic device is not limited. Figure 4 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 4 Different configurations shown.

[0119] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0120] Example 4

[0121] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the product display method provided in the first embodiment.

[0122] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0123] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the steps of the product display method.

[0124] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0125] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0126] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0127] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0128] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0129] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0130] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for displaying a product, characterized in that: include: When a target customer triggers a target touchpoint through a target terminal, acquiring a target customer number of the target customer and a target touchpoint identifier of the target touchpoint, wherein the target touchpoint is pre-associated with a target product set; Based on the target customer number and the target contact point identifier, target display strategy information is determined from a preset database, wherein the preset database pre-stores a plurality of display strategy information, each of which includes at least: a strategy identifier; Determining a product display order of all target products in the target product set based on the target display strategy indicated by the target strategy identifier included in the target display strategy information; Based on the product display order, all the target products are sorted, and all the sorted target products are displayed on a preset interface of the target terminal, wherein the preset interface is an interface where the target touch points are deployed.

2. The display method according to claim 1, characterized in that: In the case where the target customer triggers the target touchpoint through the target terminal, before obtaining the target customer number of the target customer and the target touchpoint identifier of the target touchpoint, the method further includes: A touch point is deployed on the interface of a preset application, wherein the touch point includes at least: a touch point identifier, a touch point effective time, and a product set; and the touch point becomes effective when the current time reaches the touch point effective time.

3. The display method according to claim 2, characterized in that: After deploying touchpoints on the interface of the preset application, it also includes: Constructing a plurality of display strategies for each of the touch points, wherein the display strategies correspond to display strategy information; For each of the touch points, determining the traffic ratio of each of the display strategies associated with the touch point, wherein the sum of the traffic ratios of all the display strategies associated with each of the touch points is 1; The traffic ratio is added to the display strategy information, and the display strategy information is stored in the preset database.

4. The display method according to claim 1, characterized in that: The step of determining target display strategy information from a preset database based on the target customer number and the target contact point identifier includes: Determine a display strategy information set associated with the target contact identifier from a preset database; Performing hash calculation on the target customer number to obtain a customer hash value; Matching the client hash value with a policy number range of each display policy information in the display policy information set, wherein the policy number range is determined based on a traffic ratio included in the display policy information; The successfully matched display strategy information is determined as the target display strategy information.

5. The display method according to claim 1, characterized in that: The step of determining the product display order of all target products in the target product set based on the target display strategy indicated by the target strategy identifier included in the target display strategy information comprises: Based on the target display strategy, determining a target ranking model; The target customer data of the target customer is obtained, and the target customer data and all the target products are input into the target sorting model, and the product display order of all the target products is output.

6. The display method according to claim 5, characterized in that: Before determining the target ranking model based on the target display strategy, the method further includes: Construct an initial ranking model for each display strategy; Based on the display strategy, historical customer data is collected and a plurality of historical products are selected; Based on the display strategy, determining a display order of historical products corresponding to the plurality of historical products; The initial sorting model is trained based on the historical customer data, the plurality of historical products, and the historical product display order to obtain a trained sorting model.

7. The display method according to claim 1, characterized in that: After displaying all the sorted target products on the preset interface of the target terminal, the method further includes: Acquire display index values ​​of all display strategies associated with the target touchpoint, wherein the display index values ​​are determined based on trigger data of all products displayed by the display strategy, and the trigger data is data generated when a customer triggers a product through a terminal; Based on the display index value of each of the display strategies, the flow ratio of each of the display strategies associated with the target touch point is adjusted.

8. A product display device, characterized in that: include: an acquisition unit, configured to acquire a target customer number of the target customer and a target contact identifier of the target contact when the target customer triggers the target contact through the target terminal, wherein the target contact is pre-associated with a target product set; A first determining unit is configured to determine target display strategy information from a preset database based on the target customer number and the target contact point identifier, wherein the preset database pre-stores a plurality of display strategy information, each of which includes at least: a strategy identifier; A second determining unit, configured to determine a product display order of all target products in the target product set based on a target display strategy indicated by a target strategy identifier included in the target display strategy information; A sorting unit is used to sort all the target products based on the product display order, and display all the sorted target products on a preset interface of the target terminal, wherein the preset interface is an interface where the target touch point is deployed.

9. A computer program product, characterized in that The invention comprises a non-volatile computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the product display method according to any one of claims 1 to 7.

10. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the product display method described in any one of claims 1 to 7.

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