Target user identification method and device, equipment, medium and product

Abstract

The embodiment of the invention provides a target user identification method and device, equipment, a medium and a product, and belongs to the technical field of financial science and technology. The method comprises the following steps: acquiring a first service area of a target service of a service platform; acquiring a second service area of the target business in a target area range; determining an intersection area of the first service area and the second service area; and determining a target user of the target business service of the business platform according to the business data of the target business in the intersection area. Thus, the first service area of the target service in the service platform and the second service area of the target service in the target area range are acquired respectively, and the intersection area of the first service area and the second service area is determined, so that the determination range of the target user can be reduced. And the target user is determined based on the service data of the target service in the intersection area, and the target user identification efficiency can be improved by combining the actual data condition of the target service when the target user is determined.

Description

Technical Field

[0001] This application relates to the technical field of fintech, and particularly to a method, apparatus, device, medium and product for identifying target users. Background Art

[0002] With the development of computer technology, more and more technologies are applied in the financial field, and traditional finance is gradually transforming into fintech. Currently, when making business recommendations, target users are mainly identified through channel recommendations and mass telemarketing by account managers. This process requires a large amount of time cost, resulting in low efficiency in identifying target users. Summary of the Invention

[0003] The main purpose of the embodiments of this application is to propose a method, apparatus, device, medium and product for identifying target users, aiming to improve the efficiency of identifying target users.

[0004] To achieve the above object, a first aspect of the embodiments of this application proposes a method for identifying target users, the method including:

[0005] Obtain a first service area of a target service of a business platform;

[0006] Obtain a second service area of the target service in a target area range;

[0007] Determine an intersection area between the first service area and the second service area;

[0008] Determine target users served by the target service of the business platform according to business data of the target service in the intersection area.

[0009] In some embodiments, determining the intersection area between the first service area and the second service area includes:

[0010] Arrange each area in the first service area and each area in the second service area respectively according to the business data of the target service, to obtain a first service area arrangement and a second service area arrangement;

[0011] Cross - compare the first m service areas in the first service area arrangement and the first m service areas in the second service area arrangement to determine the intersection area between the first service area and the second service area; where m is a positive integer.

[0012] In some embodiments, arranging each area in the first service area and each area in the second service area respectively to obtain a first service area arrangement and a second service area arrangement includes:

[0013] Obtain the number of business subscription users corresponding to each region in the first service area, and the business subscription transaction volume corresponding to each region in the second service area;

[0014] Sort the regions in the first service area in descending order according to the number of business subscription users to obtain the arrangement of the first service area;

[0015] Sort the regions in the second service area in descending order according to the business subscription transaction volume to obtain the arrangement of the second service area.

[0016] In some embodiments, the determining the target users of the target business service of the business platform according to the business data of the target business in the intersection area includes:

[0017] Obtain the target business data related to the target business of the business platform, where the business data at least includes the business subscription time and the longest overdue days;

[0018] Determine the target users of the target business service of the business platform according to the target business data.

[0019] In some embodiments, the business data includes the business subscription time and the longest overdue days;

[0020] The determining the target users determined for the target business of the business platform in the intersection area according to the business data of the target business in the intersection area includes:

[0021] Determine the initial users according to the business subscription time and the longest overdue days;

[0022] Push intention inquiry information to the initial users to determine the business subscription intention of the initial users;

[0023] Determine the users with the business subscription intention among the initial users as the target users.

[0024] In some embodiments, the determining the initial users according to the business subscription time and the longest overdue days includes:

[0025] Obtain the current date;

[0026] Determine the business subscription duration of the user according to the current date and the business subscription time;

[0027] Obtain a preset business subscription duration threshold and a preset user overdue duration threshold;

[0028] When the starting business subscription time is greater than or equal to the preset business subscription duration threshold and the longest overdue days are less than or equal to the preset user overdue duration threshold, the user is determined as the initial user.

[0029] To achieve the above object, a second aspect of the embodiments of the present application provides an apparatus for identifying a target user, the apparatus comprising:

[0030] A first acquisition module, configured to acquire a first service area of a target service of a service platform;

[0031] A second acquisition module, configured to acquire a second service area of the target service in a target area range;

[0032] A first determination module, configured to determine an intersection area of the first service area and the second service area;

[0033] A second determination module, configured to determine a target user served by the target service of the service platform according to service data of the target service in the intersection area.

[0034] To achieve the above object, a third aspect of the embodiments of the present application provides an electronic device, the electronic device comprising a memory and a processor, the memory storing a computer program, and the processor implementing the method described in the first aspect when executing the computer program.

[0035] To achieve the above object, a fourth aspect of the embodiments of the present application provides a computer-readable storage medium, the computer-readable storage medium storing a computer program, and the computer program implementing the method described in the first aspect when executed by a processor.

[0036] To achieve the above object, a fifth aspect of the embodiments of the present application provides a computer program product, and when instructions in the computer program product are executed by a processor of an electronic device, the electronic device is caused to execute the method described in the first aspect.

[0037] The present application provides a method, apparatus, device, medium, and product for identifying a target user. The method includes obtaining a first service area of a target service of a service platform; obtaining a second service area of the target service within a target area range; determining an intersection area between the first service area and the second service area; and determining the target user served by the target service of the service platform based on the service data of the target service within the intersection area. In this way, by separately obtaining the first service area of the target service on the service platform and the second service area within the target area range, and determining the intersection area between the first service area and the second service area, the range for determining the target user can be narrowed. Then, by determining the target user based on the service data of the target service within the intersection area, the actual data situation of the target service can be combined when determining the target user, thereby improving the efficiency of identifying the target user. Description of the Drawings

[0038] Figure 1 is one of the flowcharts of the method for identifying a target user provided by an embodiment of the present application;

[0039] Figure 2 is Figure 1 the flowchart of step S103 in

[0040] Figure 3 is Figure 2 the flowchart of step S201 in

[0041] Figure 4 is the second flowchart of the method for identifying a target user provided by an embodiment of the present application;

[0042] Figure 5 is the structural schematic diagram of the apparatus for identifying a target user provided by an embodiment of the present application;

[0043] Figure 6 is the hardware structural schematic diagram of the electronic device provided by an embodiment of the present application. Detailed Embodiments

[0044] In order to make the objectives, technical solutions, and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0045] It should be noted that although functional module division is performed in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order from the module division in the device or the order in the flowchart. Terms such as "first" and "second" in the specification, claims, and the above-mentioned drawings are used to distinguish similar objects and do not necessarily need to describe a specific order or sequence.

[0046] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field to which this application belongs. The terms used herein are for the purpose of describing embodiments of this application only and are not intended to limit this application.

[0047] First, the following is an analysis of several terms involved in this application:

[0048] Artificial intelligence (AI): It is a new technical science that studies and develops theories, methods, technologies, and application systems for simulating, extending, and expanding human intelligence; artificial intelligence is a branch of computer science. Artificial intelligence attempts to understand the essence of intelligence and produce a new intelligent machine that can respond in a way similar to human intelligence. The research in this field includes robots, speech recognition, image recognition, natural language processing, and expert systems, etc. Artificial intelligence can simulate the information process of human consciousness and thinking. Artificial intelligence also refers to the theory, method, technology, and application system that uses a digital computer or a machine controlled by a digital computer to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results.

[0049] Natural language processing (NLP): NLP uses a computer to process, understand, and apply human languages (such as Chinese, English, etc.). NLP is a branch of artificial intelligence and an interdisciplinary field of computer science and linguistics, and is often referred to as computational linguistics. Natural language processing includes syntactic analysis, semantic analysis, discourse understanding, etc. Natural language processing is commonly used in technical fields such as machine translation, handwritten and printed character recognition, speech recognition and text-to-speech conversion, information intention recognition, information extraction and filtering, text classification and clustering, public opinion analysis, and opinion mining. It involves data mining, machine learning, knowledge acquisition, knowledge engineering, artificial intelligence research related to language processing, and linguistic research related to language computing.

[0050] Information Extraction: It is a text processing technology that extracts factual information such as specified types of entities, relationships, events, etc. from natural language texts and forms structured data for output. Information extraction is a technology for extracting specific information from text data. Text data is composed of some specific units, such as sentences, paragraphs, and texts. Text information is exactly composed of some small specific units, such as words, phrases, sentences, paragraphs, or combinations of these specific units. Extracting noun phrases, personal names, place names, etc. from text data are all text information extraction. Of course, the information extracted by text information extraction technology can be various types of information.

[0051] An image caption generates a natural language description for an image and uses the generated description to help an application understand the semantics expressed in the visual scene of the image. For example, image captioning can convert image retrieval into text retrieval, which is used to classify images and improve image retrieval results. People can usually describe the details of an image visual scene just by taking a quick look, while automatically adding a description to an image is a comprehensive and challenging computer vision task that requires converting the complex information contained in the image into a natural language description. Compared with ordinary computer vision tasks, image captioning not only requires identifying objects in the image, but also associating the identified objects with natural semantics and describing them in natural language. Therefore, image captioning requires people to extract the deep features of the image, associate them with semantic features, and convert them for generating a description.

[0052] Based on this, the embodiments of the present application provide a method, apparatus, device, medium, and product for identifying a target user, aiming to improve the identification efficiency of the target user.

[0053] The method, apparatus, device, medium, and product for identifying a target user provided by the embodiments of the present application are specifically described through the following embodiments. First, the identification method in the embodiments of the present application is described.

[0054] The embodiments of the present application can obtain and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is a theory, method, technology, and application system that uses a digital computer or a machine controlled by a digital computer to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results.

[0055] Artificial intelligence basic technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, and mechatronics. Artificial intelligence software technologies mainly include several major directions such as computer vision technology, robotics, biometric technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0056] The method for identifying a target user provided by an embodiment of the present application relates to the field of fintech. The method for identifying a target user provided by an embodiment of the present application can be applied to an electronic device or the software of an electronic device. The electronic device can be a terminal or a server. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or can be configured as a server cluster or a distributed system composed of multiple physical servers, or can also be configured as a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application for implementing the method for identifying a target user, etc., but is not limited to the above forms.

[0057] The present application can be used in many general or specific computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multi-processor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, and so on. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in a distributed computing environment where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0058] It should be noted that in each specific embodiment of the present application, when it comes to relevant processing that needs to be carried out based on data related to the user's identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first. Moreover, the collection, use, and processing of these data will all comply with relevant laws, regulations, and standards. In addition, when an embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or separate consent will be obtained through methods such as pop-up windows or jumping to a confirmation page. After clearly obtaining the user's separate permission or separate consent, the necessary user-related data for enabling the normal operation of the embodiment of the present application will be obtained.

[0059] Figure 1 is an optional flowchart of the method for identifying a target user provided by an embodiment of the present application. Figure 1 The method in can include but is not limited to steps S101 to S104.

[0060] Step S101: Obtain the first service area of the target business of the business platform.

[0061] In the embodiments of the present application, the business platform can be understood as a technical platform or system that provides support, management, and services for specific business needs. In one example, the business platform may include, but is not limited to, an insurance system, a banking system, a trading system, and an order system, etc. In another example, the business platform may also have functions such as applying for loans, credit cards, or purchasing insurance, wealth management products, etc. The business platform may contain multiple businesses, and the target business can be understood as the business for which target users are to be recommended. The business platform stores relevant information of each business, such as the service area. The first service area can be understood as the geographical area where the target business is carried out and stored in the business platform. In the embodiments of the present application, the first service area can also be understood as the area where the target business is to be carried out. The first service area may include at least one area. In one example, taking the application in the financial leasing scenario as an example, the business platform can be the lease commencement ledger system of a financial leasing company. The lease commencement ledger system maintains all the user data of the financial leasing company that has commenced leasing. The lease commencement ledger system contains multiple businesses, such as plastic industry leasing and glass industry leasing, etc. The first service area of the target business can be each region where plastic industry leasing is applied.

[0062] Step S102: Obtain the second service area of the target business within the target area range.

[0063] In the embodiments of the present application, the target area range can be understood as a geographical area determined according to the actual situation. The second service area can be understood as the geographical area where the target business is carried out within the target area range. The second service area may include at least one area. In the first example, when the target area range is Province A, the second service area may be City B and City C in Province A, etc.

[0064] Step S103: Determine the intersection area of the first service area and the second service area.

[0065] In the embodiments of the present application, the intersection area can be understood as the same area in the first service area and the second service area. When determining the intersection area of the first service area and the second service area, according to the business data of the target business, each area in the first service area and each area in the second service area can be sorted in descending order to obtain the first service area arrangement and the second service area arrangement.

[0066] In the embodiment of the present application, after obtaining the first service area arrangement and the second service area arrangement, a certain number of regions of the leased industries ranked among the top in the first service area arrangement are respectively cross-compared with a certain number of regions of the industry in the whole country ranked among the top in the second service area arrangement, and the intersection area between the first service area and the second service area is obtained through analysis. In one example, the first five regions in the first service area arrangement are cross-compared with the first five regions in the second service area arrangement, and the same regions are grouped as the intersection area between the first service area and the second service area.

[0067] Step S104: Determine the target users of the target service of the service platform according to the service data of the target service in the intersection area.

[0068] In the embodiment of the present application, the target users can be users who have the intention to sign a contract for the target service, such as users who intend to purchase additional products or reorder. Through cross-comparison, the intersection area that ranks among the top in both arrangements can be obtained. In one example, when the service data is the service subscription turnover, the regions with a higher service subscription turnover can be obtained through arrangement, and thus the accuracy of target user identification can be improved. Then, the target users of the target service can be determined by screening users according to the service data of the target service in the intersection area. The service data of the target service can be obtained from the service platform. In one example, the service data can include the service subscription time and the longest overdue days. It can be determined whether a user is a target user according to the service subscription time, the longest overdue days and the preset thresholds. The preset thresholds can include the service subscription duration threshold and the longest overdue days threshold.

[0069] Steps S101 to S104 illustrated in the embodiment of the present application include obtaining the first service area of the target service of the service platform; obtaining the second service area of the target service in the target area range; determining the intersection area between the first service area and the second service area; and determining the target users of the target service of the service platform according to the service data of the target service in the intersection area. In this way, by respectively obtaining the first service area of the target service on the service platform and the second service area in the target area range, and determining the intersection area between the first service area and the second service area, the range for determining the target users can be narrowed down. Then, by determining the target users based on the service data of the target service in the intersection area, the actual data situation of the target service can be combined when determining the target users, and thus the efficiency of target user identification can be improved.

[0070] Please refer to Figure 2 In some embodiments, step S103 may include but is not limited to steps S201 to S202:

[0071] Step S201: Arrange each area in the first service area and each area in the second service area respectively according to the business data of the target business, to obtain a first service area arrangement and a second service area arrangement;

[0072] Step S202: Cross - compare the first m service areas in the first service area arrangement and the first m service areas in the second service area arrangement to determine the intersection area between the first service area and the second service area; where m is a positive integer.

[0073] Specifically, the target business can be understood as the business of the target user to be recommended. The first service area can be understood as the geographical area where the target business is carried out and stored in the business platform. The second service area can be understood as the geographical area where the target business is carried out within the target area range. When determining the intersection area between the first service area and the second service area, the first service area and the second service area can be arranged respectively according to the business data of the target business. In one example, the business data can be the number of business subscription users and the business subscription turnover. After arranging the first service area and the second service area, a first service area arrangement and a second service area arrangement can be obtained.

[0074] In the embodiment of the present application, after obtaining the first service area arrangement and the second service area arrangement, a certain number of areas with the top - ranked leased industries in the first service area arrangement and a certain number of areas with the top - ranked industries in the country in the second service area arrangement are respectively cross - compared to obtain the intersection area between the first service area and the second service area. In one example, the first five service areas in the first service area can be cross - compared with the first five service areas in the second service area respectively, and the repeated areas are classified into the intersection area.

[0075] In this embodiment, by determining the intersection area between the first service area and the second service area, the regional scope can be narrowed and the efficiency of target user identification can be improved.

[0076] Please refer to Figure 3 , in some embodiments, step S201 may include but is not limited to steps S301 to S303:

[0077] Step S301: Obtain the number of business subscription users corresponding to each area in the first service area, and the business subscription turnover corresponding to each area in the second service area;

[0078] Step S302: Sort each area in the first service area in descending order according to the number of business subscription users to obtain the first service area arrangement;

[0079] Step S303: Sort each area in the second service area in descending order of the business subscription transaction amount to obtain the arrangement of the second service area.

[0080] Specifically, when arranging each area in the first service area and each area in the second service area respectively according to the business data of the target business, the business data can select the number of business subscription users and the business subscription transaction amount. The number of business subscription users can represent the user audience degree of the business. The business subscription transaction amount can represent the revenue brought by the business. First, sort each area in the first service area in descending order of the number of business subscription users to obtain the arrangement of the first service area. Then, sort each area in the second service area in descending order of the business subscription transaction amount to obtain the arrangement of the second service area.

[0081] In this embodiment, by respectively determining the intersection area of the first service area and the second service area according to the number of business subscription users and the business subscription transaction amount, areas with both the number of starting users and the business subscription transaction amount ranking among the top can be obtained, thereby improving the efficiency of target user identification.

[0082] In some embodiments, determining the target users of the target business service of the business platform according to the business data of the target business in the intersection area includes:

[0083] Obtain the target business data related to the target business of the business platform, where the business data at least includes the business subscription time and the longest overdue days;

[0084] Determine the target users of the target business service of the business platform according to the target business data.

[0085] Specifically, before determining the target users of the target business service of the business platform according to the business data of the target business in the intersection area, it is necessary to first obtain the business data of the target business. The business data can include but is not limited to the business subscription time and the longest overdue days, etc. The business subscription time can be understood as the starting time when the user subscribes to the business. The longest overdue days can be understood as the longest overdue days after the user subscribes to the business. In one example, taking the application in the financial leasing scenario as an example, the business platform can be the starting lease ledger system of a financial leasing company. The starting lease ledger system stores business data related to the target business, including but not limited to the business subscription time and the longest overdue days, etc.

[0086] In this embodiment, by obtaining the business data related to the target business of the business platform and identifying the target users based on the business data, the efficiency of identifying the target users of the target business service can be improved.

[0087] In some embodiments, the service data includes the service subscription time and the maximum overdue days;

[0088] Determining the target users determined for the target service of the service platform in the intersection area according to the service data of the target service in the intersection area includes:

[0089] Determining initial users according to the service subscription time and the maximum overdue days;

[0090] Pushing intention inquiry information to the initial users to determine the service subscription intention of the initial users;

[0091] Determining the users with the service subscription intention among the initial users as the target users.

[0092] Specifically, the initial users can be understood as the intention users preliminarily determined by judgment. When determining the initial users, the service subscription time and the maximum overdue days can be respectively compared with the corresponding rules. When both the service subscription time and the maximum overdue days meet the corresponding rules, the users can be determined as the initial users.

[0093] In the embodiments of the present application, after determining the initial users, intention inquiry information can be pushed to the initial users to determine the service subscription intention of the initial users. In one example, the way of pushing intention inquiry information may include but is not limited to SMS push and phone push, etc.

[0094] In the embodiments of the present application, by pushing intention inquiry information to the initial users, the service subscription intention of each user among the initial users can be determined. Finally, the users with the service subscription intention among the initial users can be determined as the target users.

[0095] In the embodiments of the present application, after determining the target users, a target user list can also be generated for the staff to perform service push.

[0096] In this embodiment, the target users are finally determined through two-step screening, which can improve the efficiency of target user identification.

[0097] In some embodiments, determining the initial users according to the service subscription time and the maximum overdue days includes:

[0098] Obtaining the current date;

[0099] Determining the service subscription duration of the user according to the current date and the service subscription time;

[0100] Obtaining a preset service subscription duration threshold and a preset user overdue duration threshold;

[0101] When the service subscription time is greater than or equal to the preset service subscription duration threshold and the longest overdue days are less than or equal to the preset user overdue duration threshold, the user is determined as the initial user.

[0102] Specifically, the service subscription time can be understood as the start time when the user subscribes to the service. The service subscription duration of the user can be determined based on the service subscription time and the current time. Then, the preset service subscription duration threshold and the preset user overdue duration threshold are obtained respectively. In one example, the preset service subscription duration threshold can be 3 months, and the preset user overdue duration threshold can be that the user has no overdue history or the longest overdue days of the user do not exceed 30 days.

[0103] In the embodiment of the present application, the service subscription duration of the user is compared with the preset service subscription duration threshold, and the longest overdue days of the user are compared with the preset user overdue duration threshold. When the service subscription time is greater than or equal to the preset service subscription duration threshold and the longest overdue days are less than or equal to the preset user overdue duration threshold, the user is determined as the initial user.

[0104] In the embodiment of the present application, when the service subscription time is less than the preset service subscription duration threshold or the longest overdue days are greater than the preset user overdue duration threshold, it indicates that the user does not meet the preset rules, and the current process ends.

[0105] In this embodiment, by judging according to the service subscription duration and the longest overdue days and their corresponding thresholds, users meeting the conditions can be screened out, improving the accuracy of determining the initial user.

[0106] In the embodiment of the present application, the first service area of the target service of the service platform is obtained; the second service area of the target service in the target area range is obtained; the intersection area of the first service area and the second service area is determined; according to the service data of the target service in the intersection area, the target user served by the target service of the service platform is determined. In this way, by respectively obtaining the first service area of the target service on the service platform and the second service area in the target area range and determining the intersection area of the first service area and the second service area, the determination range of the target user can be narrowed. Then, based on the service data of the target service in the intersection area to determine the target user, the actual data situation of the target service can be combined when determining the target user, and thus the efficiency of identifying the target user can be improved.

[0107] Please refer to Figure 4 , which is the second flowchart of the method for identifying the target user provided by the embodiment itself. In this embodiment, the target industry is taken as the plastic industry as an example for illustration. As Figure 4 shown, the method for identifying the target user includes the following steps:

[0108] S1: Periodically obtain the leased account data, and analyze the ranking of the number of regional contracts in the leased industrial chain;

[0109] S2: Periodically obtain the national industry data, and analyze the ranking of the regional leased amounts in the national industry;

[0110] S3: Calculate the intersection area of the top X major regions in the leased industrial chain and the top X major regions in the national industry of this industry;

[0111] S4: According to the calculation result of S3, obtain information such as the lease start time and overdue data of the leased customers in the corresponding industry intersection area from the leased account system;

[0112] S5: Judge whether the lease start duration of the leased customers meets the threshold of Y months, and whether the overdue situation of the leased enterprises meets the condition of no overdue in history or the longest overdue time is less than Z months. If so, enter S6; if not, enter S9;

[0113] S6: Add the customers meeting the conditions to the list of high-quality leased customers, and push the high-quality customer list information to the telemarketing system;

[0114] S7: The telemarketing system conducts marketing on customers based on the high-quality customer list, and confirms whether the customers have the intention to reorder or newly lease. If so, enter S8; if not, enter S9;

[0115] S8: Add the customers with the intention to reorder to the list of customers with the intention to reorder, and push the list information of the customers with the intention to reorder to the customer manager for follow-up and signing of orders;

[0116] S9: End.

[0117] In the embodiment of the present application, leased customer data is periodically obtained from the leased account system (i.e., the business platform in the present application), including but not limited to fields such as customer name, industrial chain (i.e., the business in the present application), and region (i.e., the service area in the present application). The leased customer data is shown in Table 1:

[0118] Table 1

[0119]

[0120]

[0121] In the embodiment of the present application, by grouping and calculating the industrial chain and region fields, the number of regional customers in the industrial chain is obtained, and the ranking of the number of regional customers in the industrial chain is obtained by sorting in descending order according to the number of customers. The ranking of the number of regional customers is shown in Table 2:

[0122] Table 2

[0123] Industrial chain Region Number of business subscription users ... Plastic industry Province A 13000 Plastic industry Province B 11000 Plastic industry Province C 7800 Plastic industry Province D 5000 Plastic industry Province E 2500 Plastic industry Province F 2000 ...

[0124] In the embodiment of the present application, the full-range industry area data is periodically obtained from the publicly disclosed industry data (i.e., the target area range in the present application), and the obtained full-range industry area data is grouped and divided by industry area, and the starting rent amount of the area under the industry is calculated and analyzed. The starting rent amounts of the industry areas are sorted in descending order to obtain the ranking of the starting rent amounts of the industry areas. The ranking of the starting rent amounts of the industry areas is shown in Table 3:

[0125] Table 3

[0126] Industry Region Business subscription turnover ... Plastic industry Province B 67.2 billion Plastic industry Province D 58.9 billion Plastic industry Province E 42.8 billion Plastic industry City G 39.8 billion Plastic industry Province A 36.2 billion Plastic industry Province E 27.8 billion ...

[0127] In the embodiment of the present application, according to the above two ranking data, a certain number of regions of the leased industries with the top rankings in the regional customer quantity ranking and a certain number of regions of the same industry with the top rankings in the ranking of the starting rent amounts of the industry areas are respectively selected for cross-comparison to analyze the industry intersection regions between the leased industry areas (i.e., the first service area in the present application) and the full-range industry areas (i.e., the second service area in the present application). In an example, if the top 5 provinces in terms of quantity ranking are selected, the top 5 provinces of the plastic industry obtained in step S1 are cross-compared with the top 5 provinces of the plastic industry obtained in step S2 to obtain the intersection region.

[0128] In the embodiment of the present application, the starting rent information of the leased customers in the intersection region of the corresponding industry is obtained by inquiring the starting rent ledger system according to the intersection region of the industry (i.e., the business data in the present application), including but not limited to customer name, customer contact information, starting rent time, longest overdue days, etc. Taking Province A in the intersection region of the plastic industry as an example, the data example is shown in Table 4:

[0129] Table 4

[0130]

[0131] In the embodiment of the present application, the starting rent duration of the customer can be calculated according to the starting rent time of the leased customer. Customer starting rent duration = current date - starting rent time. Then, the calculated starting rent duration of the customer and the obtained longest overdue days of the customer are respectively compared with the preset customer starting rent duration rule and customer overdue rule. If the leased customer meets the preset rule threshold, the customer is confirmed as a high-quality customer (i.e., the initial user in the present application) and added to the high-quality customer list, and the high-quality customer information is pushed to the telemarketing system. In an example, the preset customer starting rent duration threshold can be Y = 3 months, and the customer overdue threshold is that the customer has no overdue history or the longest overdue days Z of the customer do not exceed 30 days. If the customer starting rent duration meets 3 months and the customer has no overdue history or the longest overdue days do not exceed 30 days, then the customer is a high-quality customer.

[0132] In the embodiments of the present application, the high-quality customers determined by judgment are added to the high-quality customer list, and the high-quality customer information is pushed to the telemarketing system. The high-quality customer list is shown in Table 5:

[0133] Table 5

[0134] Customer name Customer contact information Industrial chain Region ... Customer A XXXXXXX0001 Plastic industry Province A Customer C XXXXXXX0003 Plastic industry Province A ...

[0135] In the embodiments of the present application, the telemarketing system can conduct marketing on customers based on the pushed high-quality customer information to confirm whether the customers are interested in reordering or increasing the initial lease. For example, the customer's intention can be confirmed by means such as AI outbound calls and text messages. If the customer is interested in reordering or adding a new lease, the customer is marked as an intended reorder customer (i.e., the target user in the present application) and added to the intended reorder customer list. In one example, the telemarketing system conducts marketing on Customer A and Customer C. Customer A is interested in additional purchases or reordering, while Customer C is not interested in additional purchases. The telemarketing results are shown in Table 6:

[0136] Table 6

[0137] Customer name Customer contact information Industrial chain Region Whether interested in reorder ... Customer A XXXXXXX0001 Plastic industry Province A Yes Customer C XXXXXXX0003 Plastic industry Province A No ...

[0138] In the embodiments of the present application, the information of the intended reorder customers is further pushed to the frontline customer managers, and the customer managers follow up and sign contracts based on the information of the intended reorder customers. The data of the intended reorder customer list is shown in Table 7:

[0139] Table 7

[0140] Customer name Customer contact information Industrial chain Region ... Customer A XXXXXXX0001 Plastic industry Province A ...

[0141] In the embodiments of the present application, customers who do not meet the preset rule threshold of high-quality customers or have no intention of reordering are not marketed, and the process ends.

[0142] In this embodiment, by periodically obtaining the leased data of the small and micro industries from the leased ledger system of the financial leasing company, analyzing and processing the regional data ranking of the leased industrial chain, and then comparing it with the regional data ranking of the entire small and micro industries obtained periodically, the intersection area cities with the top rankings in the regional concentration of the leased industrial chain and the entire industry area are analyzed. Then, the customer leasing information and customer overdue situation of the corresponding industrial chain area are retrieved from the leased ledger system of the financial leasing company by backtracking the intersection area cities. The leased high-quality customers who meet the lease duration and overdue conditions are pushed to the telemarketing system through preset rules. The telemarketing system conducts marketing on the leased high-quality customers for reordering or increasing the lease intention. The telemarketing system adds the customers who are interested in reordering or increasing the lease to the intended reorder customer list according to the customer intention results, and pushes the information of the intended reorder customers to the frontline customer managers. The customer managers follow up and sign contracts based on the information of the high-quality customers who are interested in reordering or increasing the lease.

[0143] At present, the main ways for financial leasing companies to acquire small and micro customers are channel recommendations, account managers' batch telephone marketing, and customers' active consultation. Customers start leasing through channel recommendations, and the cost of leasing for financial leasing companies is relatively high; account managers conduct marketing one by one through telephone and other methods, which requires a lot of time and energy costs for account managers and is inefficient; customers actively consult: the company needs to do a lot of publicity and promotion to be effective, and the probability of consulting is low. This solution is a system that periodically obtains and analyzes the data of customers who have already rented. It is timely and efficient, and provides important clues for financial leasing companies to dig out high-quality customers from the massive number of customers who have already rented and to repeat orders, which reduces the cost of leasing for financial leasing companies, improves the efficiency of financial leasing companies, and can achieve precision marketing for old customers.

[0144] See also Figure 5 The embodiment of the present application further provides a target user identification device, which can implement the above target user identification method, and the identification device includes:

[0145] A first acquisition module 51 is used to acquire a first service area of ​​a target service of a service platform;

[0146] A second acquisition module 52 is used to acquire a second service area of ​​the target business in the target area range;

[0147] A first determining module 53, configured to determine an intersection area of ​​the first service area and the second service area;

[0148] The second determining module 54 is used to determine the target user of the target business service of the business platform according to the business data of the target business in the intersection area.

[0149] In the embodiment of the present application, the first service area of ​​the target business of the business addition is first obtained through the first acquisition module 51. In one example, taking the application in the financial leasing scenario as an example, the business platform can be a rental ledger system of a financial leasing company. The rental ledger system maintains the user data of all leased users of the financial leasing company. The rental ledger system includes multiple businesses, such as plastic industry leasing and glass industry leasing. The first service area of ​​the target business can be various regions where plastic industry leasing is applied.

[0150] In an embodiment of the present application, the second acquisition module 52 is configured to acquire a second service area of the target service in the target area range. The target area range can be understood as a geographical area determined according to actual conditions. The second service area can be understood as a geographical area where the target service is carried out within the target area range. The second service area may include at least one area. In a first example, when the target area range is Province A, the second service area may be B in Province A and City C in Province A, etc.

[0151] In an embodiment of the present application, after acquiring the first service area and the second service area, the first determination module 53 determines the same area in the first service area and the second service area by cross-comparing the first service area and the second service area, and obtains the intersection area of the first service area and the second service area.

[0152] In an embodiment of the present application, the second determination module 54 can perform user screening based on the service data of the target service in the intersection area, and can determine the target users served by the target service. The service data of the target service can be obtained from the service platform. In one example, the service data may include the service subscription time and the longest overdue days. It can be determined whether a user is a target user according to the service subscription time, the longest overdue days, and a preset threshold. The preset threshold may include a service subscription duration threshold and a longest overdue days threshold.

[0153] In an embodiment of the present application, by acquiring the first service area of the target service of the service platform; acquiring the second service area of the target service in the target area range; determining the intersection area of the first service area and the second service area; and determining the target users served by the target service of the service platform according to the service data of the target service in the intersection area. In this way, by separately acquiring the first service area of the target service on the service platform and the second service area in the target area range, and determining the intersection area of the first service area and the second service area, the range for determining the target users can be narrowed. Then, based on the service data of the target service in the intersection area to determine the target users, the actual data situation of the target service can be combined when determining the target users, and thus the efficiency of target user identification can be improved.

[0154] An embodiment of the present application further provides an electronic device. The electronic device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the above-mentioned method for identifying target users is implemented. The electronic device may be any intelligent terminal including a tablet computer, an in-vehicle computer, etc.

[0155] Please refer to Figure 6 , Figure 6 which shows the hardware structure of an electronic device in another embodiment. The electronic device includes:

[0156] The processor 601 can be implemented in the form of a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, etc., and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0157] The memory 602 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM), etc. The memory 602 can store an operating system and other application programs. When implementing the technical solutions provided in the embodiments of this specification through software or firmware, the relevant program codes are stored in the memory 602 and are called by the processor 601 to execute the identification method of the target user in the embodiments of the present application;

[0158] The input / output interface 603 is used to implement information input and output;

[0159] The communication interface 604 is used to implement communication interaction between this device and other devices, and can implement communication through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.);

[0160] The bus 605 transmits information between various components of the device (such as the processor 601, the memory 602, the input / output interface 603, and the communication interface 604);

[0161] Among them, the processor 601, the memory 602, the input / output interface 603, and the communication interface 604 are communicatively connected to each other inside the device through the bus 605.

[0162] The embodiments of the present application also provide a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned identification method of the target user is implemented.

[0163] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs and non-transitory computer-executable programs. In addition, the memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, a flash memory device, or other non-transitory solid-state storage devices. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories can be connected to the processor through a network. Examples of the above network include but are not limited to the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0164] The method, apparatus, device, medium and product for identifying a target user provided by the embodiments of the present application obtain a first service area of a target service of a service platform; obtain a second service area of the target service in a target area range; determine an intersection area between the first service area and the second service area; and determine the target user served by the target service of the service platform according to the service data of the target service in the intersection area. In this way, by separately obtaining the first service area of the target service on the service platform and the second service area in the target area range, and determining the intersection area between the first service area and the second service area, the range for determining the target user can be narrowed. Then, based on the service data of the target service in the intersection area to determine the target user, the actual data situation of the target service can be combined when determining the target user, thereby improving the efficiency of target user identification.

[0165] The embodiments described in the embodiments of the present application are for more clearly illustrating the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided by the embodiments of the present application. Those skilled in the art will know that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided by the embodiments of the present application are equally applicable to similar technical problems.

[0166] Those skilled in the art can understand that the technical solutions shown in the figures do not limit the embodiments of the present application, and may include more or fewer steps than those shown, or combine certain steps, or different steps.

[0167] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0168] Those of ordinary skill in the art can understand that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices can be implemented as software, firmware, hardware, and appropriate combinations thereof.

[0169] In the description of the present application and the above-mentioned drawings, terms such as "first", "second", "third", "fourth", etc. (if any) are used to distinguish similar objects and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances so that the embodiments of the present application described herein can be implemented in an order different from those illustrated or described herein. In addition, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0170] It should be understood that in the present application, "at least one (item)" means one or more, and "a plurality" means two or more. "And / or" is used to describe the association relationship of associated objects and indicates that three relationships may exist. For example, "A and / or B" may mean: only A exists, only B exists, and both A and B exist at the same time. Among them, A and B may be singular or plural. The character " / " generally means that the associated objects before and after are in an "or" relationship. "At least one (one) of the following" or a similar expression means any combination of these items, including any combination of single items (ones) or plural items (ones). For example, at least one (one) of a, b or c may mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c may be single or multiple.

[0171] In several embodiments provided by the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the above-mentioned division of units is only a logical function division, and 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 displayed or discussed coupling or direct coupling or communication connection to each other can be through some interfaces, and the indirect coupling or communication connection of devices or units can be in electrical, mechanical or other forms.

[0172] The units described above as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place or distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0173] In addition, in each embodiment of the present application, each functional unit may be integrated into one processing unit, or each unit may exist physically alone, 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 a software functional unit.

[0174] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it may be stored in a computer-readable storage medium. Based on such an 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, may be embodied in the form of a software product. The computer software product is stored in a storage medium and includes multiple instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods in each embodiment of the present application. The foregoing storage medium includes: various media that can store programs, such as USB flash drives, mobile hard disks, read-only memories (ROM), random access memories (RAM), magnetic disks, or optical discs.

[0175] The preferred embodiments of the embodiments of the present application have been described above with reference to the accompanying drawings. However, this does not limit the scope of the rights of the embodiments of the present application. Any modification, equivalent replacement, and improvement made by those skilled in the art without departing from the scope and essence of the embodiments of the present application shall be within the scope of the rights of the embodiments of the present application.

Claims

1. A method for identifying a target user, characterized in that: The method comprises: Obtaining the first service area of ​​the target business of the business platform; Acquire a second service area of ​​the target business in the target area range; Determine an intersection area of ​​the first service area and the second service area; The target user of the target business service of the business platform is determined according to the business data of the target business in the intersection area.

2. The method according to claim 1, characterized in that The determining an intersection area of ​​the first service area and the second service area includes: Arranging each area in the first service area and each area in the second service area according to the service data of the target service to obtain a first service area arrangement and a second service area arrangement; The first m service areas in the first service area arrangement are cross-compared with the first m service areas in the second service area arrangement to determine an intersection area between the first service area and the second service area; wherein m is a positive integer.

3. The method according to claim 2, characterized in that The step of respectively arranging each area in the first service area and each area in the second service area to obtain a first service area arrangement and a second service area arrangement comprises: Obtaining the number of service subscription users corresponding to each area in the first service area and the service subscription transaction amount corresponding to each area in the second service area; Sorting the areas in the first service area in descending order of the number of users subscribing to the service to obtain the first service area arrangement; The areas in the second service area are sorted in descending order of the service subscription transaction amount to obtain the second service area arrangement.

4. The method according to claim 1, characterized in that The determining, according to the business data of the target business in the intersection area, a target user of the target business service of the business platform includes: Acquire target business data related to the target business from the business platform, wherein the business data at least includes the business subscription time and the maximum overdue days; A target user of the target business service of the business platform is determined according to the target business data.

5. The method according to claim 1, characterized in that The business data includes the business subscription time and the maximum number of overdue days; The determining, according to the business data of the target business in the intersection area, a target user determined for the target business of the business platform in the intersection area comprises: Determine the initial user according to the service subscription time and the maximum number of overdue days; Pushing intention inquiry information to the initial user to determine the service subscription intention of the initial user; The users among the initial users who have the intention to subscribe to the service are determined as the target users.

6. The method according to claim 5, characterized in that Determining the initial user according to the service subscription time and the maximum overdue days includes: Get the current date; Determining the service subscription duration of the user according to the current date and the service subscription time; Obtain the preset service subscription duration threshold and the preset user overdue duration threshold; When the service subscription start time is greater than or equal to the preset service subscription duration threshold, and the maximum overdue days is less than or equal to the preset user overdue duration threshold, the user is determined as the initial user.

7. A target user identification device, characterized in that: The device comprises: A first acquisition module, used to acquire a first service area of ​​a target business of a business platform; A second acquisition module, used to acquire a second service area of ​​the target business in the target area range; A first determining module, configured to determine an intersection area of ​​the first service area and the second service area; The second determination module is used to determine the target user of the target business service of the business platform according to the business data of the target business in the intersection area.

8. An electronic device, characterized in that: The electronic device comprises a memory and a processor, the memory stores a computer program, and the processor implements the target user identification method according to any one of claims 1 to 6 when executing the computer program.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program, when executed by a processor, implements the target user identification method according to any one of claims 1 to 6.

10. A computer program product, characterized in that When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device executes the target user identification method according to any one of claims 1 to 6.

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