Method, device, equipment and medium for determining users of financial cards to be upgraded

Abstract

The present invention discloses a method, apparatus, device, and medium for determining users of financial cards to be upgraded, relating to the field of financial technology. The method comprises: obtaining first payment information of each financial card of a target level within a first preset time period, and determining a first frequency at which each first payment information triggers a limit condition; when the first frequency meets the preset frequency condition, determining the first financial card as a reference financial card, and adding the account information of the reference financial card to a target data table; obtaining second payment information of each reference financial card in the target data table within a second preset time period; when the second frequency meets the preset frequency condition, determining users matching the target reference financial card as target users of the financial card to be upgraded. The solution of the present invention can quickly and accurately determine users of financial cards to be upgraded, providing assistance in improving the user's card usage experience.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a method, device, equipment and medium for determining users of financial cards to be upgraded. Background Art

[0002] With the continuous development of computers and the internet, financial cards have become increasingly integrated into every aspect of people's lives, such as online shopping, online transfers, and remittances. During the initial registration process, each financial card is assigned a level based on the user's past spending history or individual needs. Different levels of cards correspond to different spending limits, transfer limits, and remittance limits. For example, a newly registered debit card is assigned a level of one.

[0003] Currently, when users use their cards, they often fail to make purchases or transfers due to various limits. How to quickly and accurately identify users whose financial cards need to be upgraded, upgrade their financial cards, and improve their experience is a key research issue in the industry. Summary of the Invention

[0004] The present invention provides a method, apparatus, device and medium for determining users of financial cards to be upgraded, so as to quickly and accurately determine users of financial cards to be upgraded, thereby helping to improve the user's card usage experience.

[0005] According to one aspect of the present invention, a method for determining a user of a financial card to be upgraded is provided, the method comprising:

[0006] Obtaining first payment information of each financial card of a target level within a first preset time period, and determining a first frequency at which the first payment information of each financial card triggers a limit condition;

[0007] When the first frequency of the limit condition triggered by the first payment information of the first financial card meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to the target data table;

[0008] Obtaining second payment information of each reference financial card in the target data table within a second preset time period;

[0009] When the second frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition, the user matching the target reference financial card is determined as the target user of the financial card to be upgraded.

[0010] According to another aspect of the present invention, a device for determining a user of a financial card to be upgraded is provided, the device comprising:

[0011] a first frequency determination module, configured to obtain first payment information of each financial card of a target level within a first preset time period, and determine a first frequency at which the first payment information of each financial card triggers a limit condition;

[0012] a reference financial card determination module, configured to, when a first frequency of a first payment information triggering a limit condition of a first financial card satisfies a preset frequency condition, determine the first financial card as a reference financial card, and add the account information of the reference financial card to a target data table;

[0013] A second payment information acquisition module is used to acquire the second payment information of each reference financial card in the target data table within a second preset time period;

[0014] The target user determination module is used to determine the user matching the target reference financial card as the target user of the financial card to be upgraded when the second frequency of the second payment information trigger limit condition of the target reference financial card meets the preset frequency condition.

[0015] According to another aspect of the present invention, an electronic device is provided, comprising:

[0016] at least one processor; and

[0017] a memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the user determination method for the financial card to be upgraded according to any embodiment of the present invention.

[0019] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions for enabling a processor to implement the method for determining a user of a financial card to be upgraded according to any embodiment of the present invention when executed.

[0020] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, wherein when executed by a processor, the computer program implements the method for determining a user of a financial card to be upgraded according to any embodiment of the present invention.

[0021] The solution of the embodiment of the present invention obtains the first payment information of each financial card of the target level within a first preset time period, and determines the first frequency of the first payment information of each financial card triggering the limit condition; when the first frequency of the first payment information of the first financial card triggering the limit condition meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to a target data table; obtains the second payment information of each reference financial card in the target data table within a second preset time period; when the second frequency of the second payment information of the target reference financial card triggering the limit condition meets the preset frequency condition, the user matching the target reference financial card is determined as the target user of the financial card to be upgraded. This can quickly and accurately determine the users of the financial card to be upgraded, and provide help in improving the user's card usage experience.

[0022] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 This is a flowchart of a method for determining a user of a financial card to be upgraded according to the first embodiment of the present invention;

[0025] Figure 2 This is a flow chart of a method for determining a user of a financial card to be upgraded according to a second embodiment of the present invention;

[0026] Figure 3 This is a flowchart of a financial card upgrade process provided in accordance with the second embodiment of the present invention;

[0027] Figure 4 This is a flow chart of a method for determining a user of a financial card to be upgraded according to a third embodiment of the present invention;

[0028] Figure 5 This is a schematic diagram of the structure of a device for determining a user of a financial card to be upgraded according to a fourth embodiment of the present invention;

[0029] Figure 6It is a structural diagram of an electronic device for implementing the method for determining a user of a financial card to be upgraded according to an embodiment of the present invention. DETAILED DESCRIPTION

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

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

[0032] Example 1

[0033] Figure 1 This is a flow chart of a method for determining a user of a financial card to be upgraded according to a first embodiment of the present invention. This embodiment is applicable to the case of determining the target user of a financial card to be upgraded. The method can be executed by a user determination device for a financial card to be upgraded. The user determination device for a financial card to be upgraded can be implemented in the form of hardware and / or software. The user determination device for a financial card to be upgraded can be configured in electronic devices such as computers, servers, or tablet computers. Figure 1 As shown, the method includes:

[0034] Step 110: Obtain first payment information of each financial card of a target level within a first preset time period, and determine a first frequency at which the first payment information of each financial card triggers a limit condition.

[0035] The first preset time period may be a time period such as the past month, the past half month, or the past 10 days, which is not limited in this embodiment.

[0036] In this embodiment, the financial card may be a debit card, a credit card, a prepaid card, a co-branded card, a theme card or a membership card, etc., which is not limited in this embodiment; it can be understood that the target level can be a non-top level of the target financial card; for example, if the financial card is a debit card, then the target level that matches it can be a second-class card or a third-class card (wherein the highest level can be a first-class card); if the financial card is a credit card, then the target level that matches it can be a non-top level such as an ordinary card, a gold card or a diamond card; if the financial card is a membership card, then the target level that matches it can be a primary card, a first-class card or a second-class card (wherein the highest level can be a tenth-class card).

[0037] In this embodiment, the first payment information of the financial card can be consumption information, transfer information, and remittance information; it should be noted that the first payment information does not refer to a certain type of payment information of the financial card, but refers to all payment information of the financial card within the first preset time period. It is only for the convenience of describing this embodiment, and is not a limitation of this embodiment.

[0038] It can be understood that the first payment information of each financial card of the target level within the first preset time period can be the consumption information, transfer information and remittance information of all Class II debit cards registered with a certain bank in the past month; in this embodiment, the first payment information of each financial card of the target level within the first preset time period can be obtained from the blockchain network or the target database.

[0039] Optionally, in this embodiment, after obtaining the first payment information of each financial card of the target level within the first preset time period, the first frequency of the first payment information of each financial card triggering the limit condition can be further determined; wherein, the limit condition can be the consumption limit, transfer limit or remittance limit of the target level amount card; in this embodiment, the consumption limit, transfer limit and remittance limit of the target level amount card can be equal or unequal, for example, remittance limit>transfer limit>consumption limit. In this embodiment, the specific numerical value of each limit is not limited, and it can be 20,000 yuan, 50,000 yuan, 100,000 yuan or 200,000 yuan, etc.

[0040] For example, if the first financial card of the target level has a total of 10 remittance information, 2 transfer information or 1 remittance information within the first preset time period, and the number of times the limit condition is triggered in each payment information is 5 times, 1 time and 0 times respectively, then the first frequency is 5+1+0=6; if the second financial card of the target level has a total of 5 remittance information, 0 transfer information or 0 remittance information within the first preset time period, and the number of times the limit condition is triggered in each payment information is 5 times, 5 times and 0 times respectively, then the first frequency is 5+0+0=5.

[0041] Step 120: When the first frequency of the limit condition triggered by the first payment information of the first financial card meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to the target data table.

[0042] Among them, when the first financial card can be any financial card of the target level, it is not limited in this embodiment; the preset frequency condition can be that the first frequency is greater than or equal to the set frequency threshold, and the set frequency threshold can be 3 times, 5 times or 10 times, etc., which is not limited in this embodiment.

[0043] Optionally, in this embodiment, when the first frequency of the first payment information triggering limit condition of the first financial card is greater than or equal to the set frequency threshold, the first financial card can be determined as a reference financial card, and the account information of the first financial card can be further added to the target data table; wherein, the target data table can be any blank table, which is not limited in this embodiment.

[0044] It is understandable that the account information of the reference financial card may include: the card number of the reference financial card, the card opening time, the card opening bank, and the user information of the card opening user (for example, name, gender, mobile phone number or age, etc.).

[0045] Step 130: Obtain second payment information of each reference financial card in the target data table within a second preset time period.

[0046] Among them, the second preset time period can be a time period of 1 week, 10 days, half a month or 1 month after the account information of each reference financial card is added to the target data table, which is not limited in this embodiment; the second payment information can include consumption information, transfer information and remittance information of each reference financial card within the second time period, which is not limited in this embodiment.

[0047] Optionally, in this embodiment, the second payment information of each reference financial card in the target data table within the second preset time period can be obtained through the blockchain network; in this embodiment, the payment information of all financial cards of the target level within the second preset time period can be obtained first, and then the account information of each payment information can be compared with the account information of each reference financial card in the target data table to obtain the second payment information of each reference financial card.

[0048] Step 140: When the second frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition, the user matching the target reference financial card is determined as the target user of the financial card to be upgraded.

[0049] The target reference financial card may be any reference financial card, which is not limited in this embodiment.

[0050] Optionally, in this embodiment, after obtaining the second payment information of the residual financial cards within the second preset time period, the second frequency of the trigger limit condition of each reference financial card can be further determined, and it can be determined whether the second frequency meets the preset frequency condition; when the second frequency of the target reference financial card is greater than or equal to the set frequency threshold, it can be determined that the target reference financial card meets the preset frequency condition; further, the user who matches the target reference financial card (for example, the user who registered the target reference financial card) can be determined, and the user can be determined as the target user of the financial card to be upgraded.

[0051] The solution of this embodiment is to obtain the first payment information of each financial card of the target level within a first preset time period, and determine the first frequency of the first payment information of each financial card triggering the limit condition; when the first frequency of the first payment information of the first financial card triggering the limit condition meets the preset frequency condition, determine the first financial card as a reference financial card, and add the account information of the reference financial card to a target data table; obtain the second payment information of each reference financial card in the target data table within a second preset time period; when the second frequency of the second payment information of the target reference financial card triggering the limit condition meets the preset frequency condition, determine the user matching the target reference financial card as the target user of the financial card to be upgraded. This can quickly and accurately determine the users of the financial card to be upgraded, and help improve the user's card usage experience.

[0052] Example 2

[0053] Figure 2This is a flow chart of a method for determining a user of a financial card to be upgraded according to the second embodiment of the present invention. This embodiment is a further refinement of the above technical solution. The technical solution in this embodiment can be combined with various optional solutions in one or more of the above embodiments. Figure 2 As shown, the method includes:

[0054] Step 210: Obtain first payment information of each financial card of a target level within a first preset time period, and determine a first frequency at which the first payment information of each financial card triggers a limit condition.

[0055] Optionally, in this embodiment, obtaining the first payment information of each financial card of the target level within the first preset time period, and determining the first frequency of the first payment information of each financial card triggering the limit condition, can include: obtaining each financial card of the target level from the target database, and obtaining the first payment information of each financial card within the first preset time period; the first payment information includes at least one of the following: consumption information, transfer information and remittance information; obtaining content information of the target first payment information, and determining whether the target first payment information triggers the limit condition based on the content information; determining each first payment information associated with the first financial card, and determining the frequency of triggering the limit condition in each first payment information; and determining the frequency of triggering the limit condition in each first payment information of each financial card as the first frequency of each financial card.

[0056] The target database may be one or more nodes in the blockchain network, which is not limited in this embodiment.

[0057] In an optional implementation of this embodiment, various financial cards of the target level can be obtained from the target database. For example, all Class II debit cards registered with the target bank can be obtained; and the first payment information of each financial card can be obtained; illustratively, the consumption information, transfer information and remittance information of all Class II debit cards registered with the target bank within the first preset time period can be obtained, which is referred to as the first payment information in this embodiment.

[0058] Further, the content information of each first payment information can be obtained; wherein, the content information of each first payment information can include the payment type and specific finance of each first payment information; exemplarily, the target first payment information (any first payment information) can be: consumption information, 100 yuan; the target first payment information can also be: transfer information, 60,000 yuan; further, it can be determined whether the target first payment information triggers the limit condition based on the content information of the first payment information; exemplarily, the payment type and specific amount of the target first payment information can be matched with the limit condition respectively. For example, if the target first consumption information is transfer information, and the transfer amount is 60,000 yuan, which is greater than the transfer limit (50,000 yuan) in the limit condition, then it can be determined that the target first consumption information triggers the limit condition; exemplarily, if the target first consumption information is remittance information, and the remittance amount is 70,000 yuan, which is less than the remittance limit (100,000 yuan) in the limit condition, then it can be determined that the target first consumption information does not trigger the limit condition.

[0059] In this embodiment, the frequency of triggering the limit condition in each first payment information of each financial card can be counted separately; for example, the frequency of triggering the limit condition in each first payment information of the first financial card is 5; the frequency of triggering the limit condition in each first payment information of the second financial card is 8; and the frequency of triggering the limit condition in each first payment information of the third financial card is 10.

[0060] Furthermore, the frequency of triggering the limit condition in each first payment information of each financial card can be determined as the first frequency of triggering the limit condition for each financial card; illustratively, in the above example, the first frequency of triggering the limit condition for the first financial card is 5; the first frequency of triggering the limit condition for the second financial card is 8; and the first frequency of triggering the limit condition for the third financial card is 10.

[0061] The advantage of such a setting is that each first frequency can be quickly determined and obtained, providing a basis for determining each reference financial card.

[0062] Step 220: When the first frequency of the limit condition triggered by the first payment information of the first financial card meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to the target data table.

[0063] Among them, the account information of the reference financial card may include: the card number, user information, card opening time or card opening location and other information of the reference financial card; among them, the user information may include: user name, user address, user age or user mobile phone number, etc., which is not limited in this embodiment.

[0064] Optionally, in this embodiment, when the first frequency of the first payment information triggering limit condition of the first financial card meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to the target data table, which may include: when the first frequency of the first payment information triggering limit condition of the first financial card is greater than or equal to the set frequency threshold, determining that the first frequency meets the preset frequency condition; obtaining the card number, user information, card activation time or card activation location of the first financial card and adding them to the target data table.

[0065] The frequency threshold may be set to 6, 8, or 10, etc., which is not limited in this embodiment.

[0066] In an optional implementation of this embodiment, after determining the first frequency of the first payment information triggering limit condition of each financial card, that is, the first frequency of each financial card, it can be determined whether the first frequency of each financial card is greater than or equal to the set frequency threshold; if it is determined that the first frequency of the first payment information of the first financial card is greater than or equal to the set frequency threshold, it can be determined that the first frequency of the first financial card meets the set frequency condition, and the first financial card can be determined as a reference financial card; further, the account information of the first amount card can be obtained, for example, the card number, user information, card activation time or card activation location and other information of the first financial card can be obtained, and further, the obtained information can be added to the target data table.

[0067] The advantage of this setting is that the account information of each reference financial card can be counted, and the target financial card to be upgraded can be determined from the reference financial cards later, which helps to determine the target user.

[0068] Step 230: Obtain second payment information of each reference financial card in the target data table within a second preset time period.

[0069] Step 240: Determine the second frequency of each second payment information trigger limit condition associated with the target reference financial card; if it is determined that the second frequency is greater than or equal to the preset frequency threshold, determine that the frequency of the second payment information trigger limit condition of the target reference financial card meets the preset frequency condition.

[0070] The target reference financial card may be any reference financial card stored in the target data table, which is not limited in this embodiment.

[0071] Optionally, in this embodiment, after obtaining the second payment information of each reference financial user in the target data table within the second preset time period, the second frequency of the second payment information associated with the target reference financial card triggering the limit condition can be further determined, wherein the determination scheme of the second frequency is consistent with the determination scheme of the first frequency involved in the above embodiment. It will not be repeated here in this embodiment, and it is not a limitation of this embodiment.

[0072] After determining the second frequency of each reference financial card, it is possible to further determine whether each second frequency is greater than or equal to a preset frequency threshold. If it is determined that the second frequency of the target reference financial card is greater than or equal to the preset frequency threshold, it can be determined that the frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition.

[0073] The advantage of this setting is that it can quickly screen various reference financial cards, providing assistance for subsequent identification of target users.

[0074] Step 250: When the second frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition, the user matching the target reference financial card is determined as the target user of the financial card to be upgraded.

[0075] Optionally, in this embodiment, after determining through the above steps that the second frequency of the second payment information trigger limit condition of the target reference financial card meets the preset frequency condition, the user matched with the target reference financial card can be further determined as the target user of the financial card to be upgraded.

[0076] It is understandable that the target data table stores account information of various reference financial cards, that is, the target user associated with the target reference financial card can be quickly determined in the target data table.

[0077] Step 260: Send a target prompt message to the target user to upgrade the target reference financial card; in response to the target user's operation information, review the material information uploaded by the target user, and upgrade the target reference financial card after the review is passed.

[0078] Optionally, in this embodiment, after determining the target user of the financial card to be upgraded, target prompt information for upgrading the target reference financial card can be further sent to the target user, for example, a short message or a prompt message within the financial card application; in response to the target user's operation information, the material information uploaded by the target user is reviewed, and after the review is passed, the target reference financial card is upgraded.

[0079] In an optional implementation of this embodiment, after receiving the target prompt information, the target user can upload relevant materials based on the target prompt information. Furthermore, the materials uploaded by the target user can be reviewed. After the review is passed, the target reference financial card can be upgraded. For example, the target reference financial card can be upgraded from a Class III card to a Class II card, or the target reference financial card can be upgraded from a Class II card to a Class I card.

[0080] The solution of this embodiment, after determining the target user of the financial card to be upgraded, can further send target prompt information for upgrading the target reference financial card to the target user, for example, a short message or a prompt message within the financial card application; in response to the target user's operation information, the material information uploaded by the target user is reviewed, and after the review is passed, the target reference financial card is upgraded. The upgrade of the financial card can be directly realized online, which improves business processing efficiency while also enhancing user experience.

[0081] In order to better understand the solution of this embodiment, for example, Figure 3 FIG. 1 is a flowchart of a financial card upgrade process according to the second embodiment of the present invention. Figure 3 As shown, it mainly includes the following:

[0082] Step 310: Obtain user bank card consumption information.

[0083] Step 320: Determine whether the target user is subject to the second-class card limit.

[0084] Step 330: The target user is prompted via SMS or mobile phone silver card that the card can be upgraded to a Class A card.

[0085] Step 340: The user selects the bank card type upgrade function on the terminal device and enters personal identity information.

[0086] Step 350: Verify the identity information input by the user, and if the identity information is verified, receive the materials uploaded by the user.

[0087] Step 360: Review the materials uploaded by the user and determine whether the materials have been verified;

[0088] If passed, execute step 370 ; otherwise, execute step 380 .

[0089] Step 370: Notify the user of the successful upgrade via SMS or mobile banking.

[0090] Step 380: Notify the user of the unsuccessful upgrade and the reasons for the unsuccessful upgrade via SMS or mobile banking, and instruct the user to upload the materials again.

[0091] Example 3

[0092] Figure 4 This is a flowchart of a method for determining a user of a financial card to be upgraded according to the third embodiment of the present invention. This embodiment is a further refinement of the above technical solution. The technical solution in this embodiment can be combined with various optional solutions in one or more of the above embodiments. Figure 4 As shown, the method includes:

[0093] Step 410: Obtain first payment information of each financial card of a target level within a first preset time period.

[0094] In this embodiment, after obtaining the first payment information of each financial card of the target level within the first preset time period, the account information of each financial card matching the first payment information can be further obtained. For example, the card number, user information, card activation time or card activation location and other information of each financial card can be obtained, which is not limited in this embodiment.

[0095] Step 420: Input each of the first payment information and the account information of each financial card matching the first payment information into a pre-trained user determination model for the financial card to be upgraded, to obtain target users of the financial card to be upgraded.

[0096] Optionally, in this embodiment, after obtaining the first payment information of each financial card of the target level within the first preset time period, and the account information of each financial card matching the first payment information, the first payment information and the account information of each financial card matching the first payment information can be input into a pre-trained user determination model for the financial card to be upgraded, thereby outputting the target user of the financial card to be upgraded. Exemplarily, the user information of the target user can be output, for example, one or more of the target user's identity code, mobile phone number, user number or user name, etc., can be output, thereby accurately determining the target user.

[0097] In an optional implementation of this embodiment, the user determination model of the financial card to be upgraded can be trained through the following steps: obtaining a training data set; the training data set includes each payment information, whether each payment information triggers a limit condition, the account information of the financial card matching each payment information, and whether each of the financial cards needs to be upgraded; inputting the training data set into the target machine learning model for iterative training, and when the iteration stop condition is met, obtaining the user determination model of the financial card to be upgraded.

[0098] Optionally, in this embodiment, a historical data set can be obtained, such as payment information of financial cards of various levels in the past one or two years, whether each payment information triggers a limit condition, account information of financial cards matching the payment information, and upgrade information of each financial card, so as to obtain a training data set. Furthermore, the training data set can be input into the target machine learning model for iterative training. When the iteration stop condition is met, for example, the number of training times reaches a set threshold, or the training accuracy reaches a set threshold, further, a user determination model for the financial card to be upgraded can be obtained.

[0099] Among them, the target machine learning model can be a convolutional neural network model or a deep convolutional neural network model, etc., which is not limited in this embodiment.

[0100] The advantage of this setting is that a user determination model for financial cards to be upgraded can be trained based on historical data, providing a basis for subsequently determining the target users of financial cards to be upgraded.

[0101] The solution of this embodiment, after obtaining the first payment information of each financial card of the target level within the first preset time period, can further obtain the account information of each financial card matching the first payment information. Furthermore, the first payment information and the account information of each financial card matching the first payment information can be input into a pre-trained user determination model for the financial card to be upgraded, thereby outputting the target user of the financial card to be upgraded. The target user can be quickly determined, which helps to improve the user's card usage experience.

[0102] In order to better understand the method for determining the user of the financial card to be upgraded involved in this embodiment, a specific example is used below to illustrate it, which mainly includes:

[0103] 1. Analyze the user's second-category card usage habits to determine the target users; for example, first query the table recording the user's second-category bank cards. Each first-level branch can set the frequency of users' consumption, transfers, remittances, etc. that trigger the second-category card limit (such as setting it for 5 consecutive days), filter out user groups that meet the bank card push requirements, record them in a temporary table in the database, and summarize the data once a month. Filter out bank cards that have records in the table for several consecutive months, and associate the user's customer code and mobile phone number through other tables. Furthermore, push messages to target users through the push mechanism.

[0104] 2. Through SMS or application notifications, remind users that they can apply online for the service of upgrading their Class II card to Class I card, and guide users to the corresponding functions on the application.

[0105] 3. The user selects a personal bank card on the target application and selects Modify Card Category in the Bank Card function. In this function, the current card type and permissions can be viewed. Click Modify Card Category and select the card type to be upgraded in the drop-down list. You can also view the function permissions for the corresponding card type.

[0106] 4. Verify your identity, including your login password, graphic code, and SMS verification code, as well as your reserved fingerprint or gesture and facial recognition.

[0107] 5. After the identity is verified, the customer will be prompted to upload the review materials. After submitting the review materials, the customer will select the relevant agreement for changing the card category and authorize it in the signature box that pops up.

[0108] 6. Upon receiving an application for upgrading the debit card type, the uploaded review materials will be reviewed. If the review is passed, the user will be notified of the successful application within the specified time, and the application will be displayed as a Class A card with corresponding functions. If the review is rejected, the user will be notified of the failed application and the reason for the failure will be displayed.

[0109] Example 4

[0110] Figure 5 1 is a schematic diagram of a user determination device for a financial card to be upgraded according to the third embodiment of the present invention. Figure 5 As shown, the device includes: a first frequency determination module 510 , a reference financial card determination module 520 , a second payment information acquisition module 530 and a target user determination module 540 .

[0111] The first frequency determination module 510 is configured to obtain first payment information of each financial card of a target level within a first preset time period, and determine a first frequency at which the first payment information of each financial card triggers a limit condition;

[0112] a reference financial card determination module 520 configured to, when a first frequency of a first payment information triggering a limit condition of a first financial card satisfies a preset frequency condition, determine the first financial card as a reference financial card and add the account information of the reference financial card to a target data table;

[0113] The second payment information acquisition module 530 is configured to acquire the second payment information of each reference financial card in the target data table within a second preset time period;

[0114] The target user determination module 540 is used to determine the user matching the target reference financial card as the target user of the financial card to be upgraded when the second frequency of the second payment information trigger limit condition of the target reference financial card meets the preset frequency condition.

[0115] The solution of this embodiment is to obtain the first payment information of each financial card of the target level within a first preset time period through a first frequency determination module, and determine the first frequency at which the first payment information of each financial card triggers a limit condition; determine the first financial card as a reference financial card through a reference financial card determination module, and add the account information of the reference financial card to a target data table; obtain the second payment information of each reference financial card in the target data table within a second preset time period through a second payment information acquisition module; and determine the user who matches the target reference financial card as the target user of the financial card to be upgraded through a target user determination module. This can quickly and accurately determine the users of the financial card to be upgraded, thereby helping to improve the user's card usage experience.

[0116] In an optional implementation of this embodiment, the device for determining a user of a financial card to be upgraded further includes: a target prompt information sending module, configured to send target prompt information for upgrading the target reference financial card to the target user;

[0117] In response to the target user operation information, the material information uploaded by the target user is reviewed, and after the review is passed, the target reference financial card is upgraded.

[0118] In an optional implementation of this embodiment, the first frequency determination module 510 is specifically configured to obtain financial cards of a target level from a target database, and obtain first payment information of each of the financial cards within a first preset time period; the first payment information includes at least one of the following: consumption information, transfer information, and remittance information;

[0119] Obtaining content information of the target first payment information, and determining whether the target first payment information triggers a limit condition based on the content information;

[0120] Determining each first payment information associated with the first financial card, and determining a frequency of triggering a limit condition in each first payment information;

[0121] The frequency of triggering the limit condition in each first payment information of each financial card is respectively determined as the first frequency of each financial card.

[0122] In an optional implementation of this embodiment, referring to the financial card determination module 520, it is specifically configured to determine that the first frequency meets the preset frequency condition when the first frequency of the first payment information triggering the limit condition of the first financial card is greater than or equal to a set frequency threshold;

[0123] The card number, user information, card activation time or card activation location of the first financial card are obtained and added to the target data table.

[0124] In an optional implementation of this embodiment, the user determination device for the financial card to be upgraded further includes: a second frequency determination module, configured to determine a second frequency at which each second payment information associated with the target reference financial card triggers a limit condition;

[0125] When it is determined that the second frequency is greater than or equal to the preset frequency threshold, it is determined that the frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition.

[0126] In an optional implementation of this embodiment, the user determination device for the financial card to be upgraded further includes: a prediction module, which is used to input each of the first payment information and the account information of each financial card matching the first payment information into a pre-trained user determination model for the financial card to be upgraded, so as to obtain the target user of the financial card to be upgraded.

[0127] In an optional implementation of this embodiment, the user determination model for the financial card to be upgraded is trained by the following steps:

[0128] Obtaining a training data set; the training data set includes payment information, whether each payment information triggers a limit condition, account information of a financial card that matches each payment information, and whether each financial card requires an upgrade;

[0129] The training data set is input into a target machine learning model for iterative training, and when an iteration stop condition is met, a user determination model of the financial card to be upgraded is obtained.

[0130] The user determination device for a financial card to be upgraded provided in an embodiment of the present invention can execute the user determination method for a financial card to be upgraded provided in any embodiment of the present invention, and has corresponding functional modules and beneficial effects of the execution method.

[0131] In the technical solutions of the embodiments of the present invention, the collection, storage, use, processing, transmission, provision and disclosure of user information involved (for example, user name, user number, user address or user mobile phone number, etc.) comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0132] Example 5

[0133] Figure 6A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0134] like Figure 6 As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., which is communicatively connected to the at least one processor 11. The memory stores a computer program that can be executed by the at least one processor. The processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 into the random access memory (RAM) 13. Various programs and data required for the operation of the electronic device 10 can also be stored in the RAM 13. The processor 11, ROM 12, and RAM 13 are connected to each other via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0135] Multiple components in the electronic device 10 are connected to the I / O interface 15, including an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a magnetic disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0136] The processor 11 may be any general-purpose and / or specialized processing component with processing and computing capabilities. Examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors for running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, and the like. The processor 11 executes the various methods and processes described above, such as a method for determining users of financial cards to be upgraded, the method including: obtaining first payment information of each financial card of a target level within a first preset time period, and determining a first frequency at which the first payment information of each financial card triggers a limit condition; when the first frequency at which the first payment information of the first financial card triggers the limit condition meets a preset frequency condition, determining the first financial card as a reference financial card, and adding the account information of the reference financial card to a target data table; obtaining second payment information of each reference financial card in the target data table within a second preset time period; when the second frequency at which the second payment information of the target reference financial card triggers the limit condition meets the preset frequency condition, determining a user matching the target reference financial card as a target user of the financial card to be upgraded.

[0137] In some embodiments, the method for determining a user of a financial card to be upgraded can be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the method for determining a user of a financial card to be upgraded described above can be performed. Alternatively, in other embodiments, processor 11 can be configured to execute the method for determining a user of a financial card to be upgraded via any other suitable means (e.g., via firmware).

[0138] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0139] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0140] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0141] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0142] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0143] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0144] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0145] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

[0146] Example 6

[0147] An embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements the database detection method provided in any embodiment of the present application.

[0148] The computer program product may be implemented by writing computer program code for performing the operations of the present invention in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0149] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned. They should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0150] Note that the above are only preferred embodiments of the present invention and the technical principles employed. Those skilled in the art will appreciate that the present invention is not limited to the specific embodiments herein, and that various obvious changes, readjustments, and substitutions are possible for those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in detail through the above embodiments, the present invention is not limited to the above embodiments and may include many other equivalent embodiments without departing from the scope of the present invention. The scope of the present invention is determined by the scope of the appended claims.

Claims

1. A method for determining users of financial cards to be upgraded, characterized in that: include: Obtaining first payment information of each financial card of a target level within a first preset time period, and determining a first frequency at which the first payment information of each financial card triggers a limit condition, includes: Obtaining financial cards of a target level from a target database, and obtaining first payment information of each of the financial cards within a first preset time period; the first payment information includes at least one of the following: consumption information, transfer information, and remittance information; Obtaining content information of the target first payment information, and determining whether the target first payment information triggers a limit condition based on the content information; Determining each first payment information associated with the first financial card, and determining a frequency of triggering a limit condition in each first payment information; respectively determining the frequency of triggering the limit condition in each first payment information of each financial card as the first frequency of each financial card; When the first frequency of the first payment information triggering the limit condition of the first financial card meets the preset frequency condition, the first financial card is determined as a reference financial card, and the account information of the reference financial card is added to the target data table; Obtaining second payment information of each reference financial card in the target data table within a second preset time period; When the second frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition, the user matching the target reference financial card is determined as the target user of the financial card to be upgraded.

2. The method for determining the user of a financial card to be upgraded according to claim 1, characterized in that: After determining the user matching the target reference financial card as the target user of the financial card to be upgraded, the method further includes: Sending a target reminder message for upgrading the target reference financial card to the target user; In response to the target user operation information, the material information uploaded by the target user is reviewed, and after the review is passed, the target reference financial card is upgraded.

3. The method for determining the user of a financial card to be upgraded according to claim 1, characterized in that: The method further includes: determining the first financial card as a reference financial card when the first payment information of the first financial card triggers a first frequency limit condition that satisfies a preset frequency condition, and adding the account information of the reference financial card to a target data table. When the first frequency of the first payment information triggering the limit condition of the first financial card is greater than or equal to a set frequency threshold, determining that the first frequency meets the preset frequency condition; The card number, user information, card activation time or card activation location of the first financial card are obtained and added to the target data table.

4. The method for determining the user of a financial card to be upgraded according to claim 1, characterized in that: After obtaining the second payment information of each reference financial card in the target data table within the second preset time period, the method further includes: Determining a second frequency at which each second payment information associated with the target reference financial card triggers the limit condition; When it is determined that the second frequency is greater than or equal to the preset frequency threshold, it is determined that the frequency of the second payment information triggering limit condition of the target reference financial card meets the preset frequency condition.

5. The method for determining the user of a financial card to be upgraded according to claim 1, characterized in that: After obtaining the first payment information of each financial card of the target level within the first preset time period, the method further includes: The first payment information and the account information of each financial card matching the first payment information are input into a pre-trained user determination model for the financial card to be upgraded to obtain the target user of the financial card to be upgraded.

6. The method for determining the user of a financial card to be upgraded according to claim 5, characterized in that: The user determination model for the financial card to be upgraded is trained by the following steps: Obtaining a training data set; the training data set includes payment information, whether each payment information triggers a limit condition, account information of a financial card that matches each payment information, and whether each financial card requires an upgrade; The training data set is input into a target machine learning model for iterative training, and when an iteration stop condition is met, a user determination model of the financial card to be upgraded is obtained.

7. A user identification device for a financial card to be upgraded, characterized in that: include: The first frequency determination module is configured to obtain first payment information of each financial card of a target level within a first preset time period and determine a first frequency at which the first payment information of each financial card triggers a limit condition. The first frequency determination module is specifically configured to: Obtaining financial cards of a target level from a target database, and obtaining first payment information of each of the financial cards within a first preset time period; the first payment information includes at least one of the following: consumption information, transfer information, and remittance information; Obtaining content information of the target first payment information, and determining whether the target first payment information triggers a limit condition based on the content information; Determining each first payment information associated with the first financial card, and determining a frequency of triggering a limit condition in each first payment information; respectively determining the frequency of triggering the limit condition in each first payment information of each financial card as the first frequency of each financial card; a reference financial card determination module, configured to, when a first frequency of a first payment information triggering a limit condition of a first financial card satisfies a preset frequency condition, determine the first financial card as a reference financial card, and add the account information of the reference financial card to a target data table; A second payment information acquisition module is used to acquire the second payment information of each reference financial card in the target data table within a second preset time period; The target user determination module is used to determine the user matching the target reference financial card as the target user of the financial card to be upgraded when the second frequency of the second payment information trigger limit condition of the target reference financial card meets the preset frequency condition.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the user determination method for the financial card to be upgraded according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the user determination method for a financial card to be upgraded according to any one of claims 1 to 6 when executed.

10. A computer program product, comprising a computer program, wherein when executed by a processor, the computer program implements the method for determining a user of a financial card to be upgraded according to any one of claims 1 to 6.

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