Customer right pushing method and device, computer equipment and storage medium

Abstract

The invention discloses a client right pushing method and device, computer equipment and a storage medium. The method comprises the following steps: determining whether a customer can execute right calculation or not according to a verification result of current information of the customer; when it is determined that the customer can execute right and interest calculation, obtaining existing right and interest data of the customer, and determining a preset right and interest calculation formula for the customer under the existing right and interest data and a preset right and interest obtaining condition, generating to-be-upgraded right and interest data according to a preset right and interest acquisition condition, a preset right and interest calculation formula and the existing right and interest data; and matching corresponding product data for the customer according to the existing right and interest data and the right and interest data to be upgraded, and generating a corresponding proposal according to the product data and feeding back the proposal to the customer. According to the scheme, the to-be-upgraded right and interest data is generated under the current existing right and interest data, so that the right and interest of the user can be comprehensively improved, the experience effect of the customer can be improved, and the transaction rate is improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of data analysis and financial technology, and in particular to a customer rights and interests pushing method and device, computer equipment and storage medium. BACKGROUND

[0002] In the traditional commodity purchase mode, the system only focuses on some specific services, resulting in that the user does not fully experience the all-around rights and interests services that meet the user, such as in the traditional insurance mode, the core focuses on the claim settlement link, the main purpose of the customer to purchase insurance is to cope with the possible risks in the future, and obtain economic compensation when the risk occurs unfortunately, however, with the development of the times and the upgrading of customer demand, the modern insurance mode has realized the change from "compensation" to "accompany", now, purchasing insurance not only means obtaining risk protection, but also enjoying a series of health rights and interests, such as online consultation, family doctor service, etc.

[0003] Therefore, it is urgent to find a new technical solution to solve the problem that the product recommended by the current recommendation system cannot fully meet the customer's rights and interests. SUMMARY

[0004] Therefore, a customer rights and interests pushing method, device, computer equipment and storage medium are provided to solve the technical problem that the current recommendation system cannot fully meet the customer's rights and interests in the prior art.

[0005] A customer rights and interests pushing method comprises: determining whether the customer can perform rights and interests calculation according to the verification result of the current information of the customer; when it is determined that the customer can perform rights and interests calculation, obtaining the existing rights and interests data of the customer, determining the preset rights and interests calculation formula for the customer based on the existing rights and interests data and the preset rights and interests obtaining condition, and generating the to-be-upgraded rights and interests data according to the preset rights and interests obtaining condition, the preset rights and interests calculation formula and the existing rights and interests data; matching the corresponding product data for the customer according to the existing rights and interests data and the to-be-upgraded rights and interests data, and generating the corresponding proposal according to the product data and feeding back to the terminal where the customer is located.

[0006] A customer rights and interests pushing device comprises: A determination module is configured to determine whether the customer can perform rights and interests calculation according to the verification result of the current information of the customer. The acquisition module is configured to, when it is determined that the customer can perform the equity measurement, acquire existing equity data of the customer, determine the preset equity measurement formula for the customer based on the existing equity data and a preset equity acquisition condition, and generate to-be-upgraded equity data according to the preset equity acquisition condition, the preset equity measurement formula and the existing equity data. The generation module is configured to match corresponding product data for the customer according to the existing equity data and the to-be-upgraded equity data, and generate a corresponding proposal according to the product data and feed back to the terminal where the customer is located.

[0007] A computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the customer equity push method when executing the computer program.

[0008] A computer readable storage medium stores a computer program, and the computer program is executed by a processor to implement the customer equity push method.

[0009] The customer equity push method, device, computer device and storage medium determine whether the customer can perform the equity measurement according to the verification result of the current information of the customer; when it is determined that the customer can perform the equity measurement, the existing equity data of the customer is acquired, the preset equity measurement formula for the customer is determined based on the existing equity data and a preset equity acquisition condition, and to-be-upgraded equity data is generated according to the preset equity acquisition condition, the preset equity measurement formula and the existing equity data; the corresponding product data for the customer is matched according to the existing equity data and the to-be-upgraded equity data, and a corresponding proposal is generated according to the product data and fed back to the terminal where the customer is located. The present application generates to-be-upgraded equity data based on the existing equity data, and pushes the product data most matched with the customer based on the existing equity data and the to-be-upgraded equity data. In this way, the user's equity can be comprehensively improved, the customer's experience effect can be improved, and the transaction rate can be improved. BRIEF DESCRIPTION OF DRAWINGS

[0010] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings needed to be used in the description of the embodiments of the present application. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0011] Figure 1 is an application environment schematic diagram of a customer equity push method in an embodiment of the present application; Figure 2 is a process diagram of a customer benefit pushing method in an embodiment of the present application; Figure 3 is a structural schematic diagram of a customer benefit pushing device in an embodiment of the present application; Figure 4 is a schematic diagram of a computer device in an embodiment of the present application. DETAILED DESCRIPTION

[0012] The technical solutions in the embodiments of the present application will be clearly and completely described with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are some but not all of the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by a person of ordinary skill in the art without creative work fall within the protection scope of the present application.

[0013] The customer benefit pushing method provided by the present application can be applied in an application environment as shown in Figure 1 , in which a client communicates with a server through a network. The client can be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices. The server can be implemented by an independent server or a server cluster composed of multiple servers, such as a server corresponding to a data middle platform.

[0014] In an embodiment, as shown in Figure 2 , a customer benefit pushing method is provided, which is applied in a server where a platform in Figure 1 is located, and includes the following steps: S10, determining whether the customer can perform benefit calculation according to a verification result of current information of the customer.

[0015] Understandably, the current information of the customer can refer to basic information or identity information related to the customer, such as customer number, name, birthday, certificate type, certificate number, gender and the like, and the current information is associated and bound with each other. In the verification result, if the customer number does not exist and the name, birthday, certificate type, certificate number, gender and the like are empty, it is determined that the current customer cannot perform benefit calculation. In addition, in another embodiment, if the customer number exists and the name, birthday, certificate type, certificate number, gender and the like are not empty, it is determined that the current customer can perform benefit calculation. In the embodiment, it is determined whether the customer can perform benefit calculation by verifying the current information of the customer. That is, the benefit data calculated by incomplete information is not close to the real situation of the customer. In this way, the accuracy and fitting of the benefit calculation result are improved through data verification. In other embodiments, multiple different entrances can be provided according to customer types, including customer operation, whether it is an old customer, etc., to facilitate system users to use the benefit calculation in different scenarios.

[0016] S20, when it is determined that the customer can perform the benefit calculation, obtaining the existing benefit data of the customer, determining the preset benefit calculation formula for the customer based on the existing benefit data and the preset benefit acquisition condition, and generating the to-be-upgraded benefit data according to the preset benefit acquisition condition, the preset benefit calculation formula and the existing benefit data.

[0017] Understandably, the existing benefit data of the customer can be the benefit data calculated in a historical period, or the benefit data imported from another recommendation system. In addition, if the customer is calculating for the first time, the existing benefit data can be null data. The purpose of obtaining the existing benefit data of the customer in this embodiment is to subsequently integrate to generate new to-be-upgraded benefit data. The benefit acquisition condition can be a judgment on whether the customer meets the acquisition condition of each benefit. For example, taking car insurance as an example, the compensation amount of vehicle loss insurance needs to consider the actual value of the vehicle, the insurance amount and other factors. If the vehicle value is 120,000 yuan, and the insurance is 60,000 yuan, when the vehicle is damaged and needs 20,000 yuan for repair (full responsibility and additional non-compensation special provisions), because the insurance amount is lower than the insurance value, it is underinsurance, and the insurance company pays according to the proportion. The calculation method is: compensation = repair cost x insurance amount ÷ insurance value, i.e. 20,000 x 60,000 ÷ 120,000 = 10,000 yuan, if the full amount of 120,000 yuan is insured, 20,000 yuan can be fully compensated. The preset benefit calculation formula is determined according to different types of insurance that meet the current preset benefit acquisition condition (benefit calculation can be in the benefit calculation system), which can be abstractly expressed as to-be-upgraded benefit data = {satisfy preset benefit acquisition condition {(current information + existing benefit data) corresponding mathematical expression}}, wherein the mathematical expression is the specific content mentioned above, and the existing benefit data is also added to the operation of the to-be-upgraded benefit data to avoid discrepancies or omissions between the two data, such as the existing benefit data of the compensation amount range A and the to-be-upgraded benefit data of the compensation amount range B.

[0018] S30, according to the existing benefit data and the to-be-upgraded benefit data, matching the corresponding product data for the customer, and generating the corresponding proposal according to the product data and feeding back to the terminal where the customer is located.

[0019] Understandably, product data can be confirmed in the product system. After the product system receives the data fed back by the rights and interests measurement system interface, it can directly match the corresponding product data in the back-end. In the matching process, the two rights and interests data can be comprehensively determined, that is, the corresponding product data must include both rights and interests at the same time, such as the combination of compensation range, determination of deductible rate, etc.; the proposal can include a details page of specific product data and a rights and interests data details page (each right and interests has a corresponding rights and interests details page. Clicking on the corresponding right and interests will jump to the rights and interests data details page through the rights and interests details URL), etc., and can be displayed according to the set display style and method, such as using native methods to call up third-party communication software and send the proposal to the customer where the third-party communication software is located.

[0020] In the embodiment of steps S10 to S30, this solution generates the rights and interests data to be upgraded based on the current existing rights and interests data, and generates product data that best matches the customer through the existing rights and interests data and the rights and interests data to be upgraded. In this way, not only can the user's rights and interests be comprehensively improved, but also the customer experience effect and the transaction rate can be improved.

[0021] Furthermore, determining whether the client can perform equity calculation based on the verification result of the client's current information includes: Obtaining the contact of the storage system storing the current information of the customer through a preset data access interface; After receiving the customer number corresponding to the customer through the equity calculation system, a query request is sent to the storage system in real time through the preset data access interface; Perform an accurate search in the database of the storage system according to the customer number, and return the retrieved current information to the equity calculation system in an agreed format; Detecting whether the current information is a null value; If the current information is null, it is determined that the current information of the customer is incomplete and it is determined that the equity calculation cannot be performed; If the current information is not a null value, it is determined that the current information of the customer is complete, and it is determined that the equity calculation can be performed.

[0022] Understandably, the storage system for the customer's current information can come from the product recommendation system, related connected systems, third-party systems, etc., among which the database of each system can store the corresponding data, and the preset data access interface can be determined according to the docking situation with the system, such as determining the interface method for data interaction between systems, including RESTful API, WebService, etc., and formulating interface specifications, including request address, request method, request parameters, response format, etc.; the style of the customer number is not limited, it can represent the type of insurance purchased by the customer and other certification data, and the customer code can be associated with the customer's current information in advance. In this way, the customer code can be directly queried from the storage system to match the corresponding current information; the agreed format can be set according to needs to remove duplicate or wrong type data digits; the current information of the empty value can be determined whether the data is empty based on the matching of the data format. The empty value data is not suitable for equity measurement; In this embodiment, the subsequent rights and interests calculation is performed by judging whether the customer number exists and whether the current information is null, thereby avoiding inaccurate and incomplete results of the calculated user rights and interests when the current information is null.

[0023] Furthermore, the acquiring of the customer's existing equity data and generating the equity data to be upgraded based on preset equity acquisition conditions, a preset equity calculation formula, and the existing equity data include: Analyze the customer's current information according to preset business rules to determine whether the customer meets the preset benefit acquisition conditions; After substituting the current information of the customer and the existing equity data into the preset equity calculation formula, the equity data to be upgraded is generated.

[0024] Understandably, the preset business rules may refer to the process rules corresponding to the actual business, and the business process is used to determine whether the customer meets the conditions for obtaining various benefits, such as determining the insurance amount and insurance value, considering the accident liability ratio, deducting the deductible or the deductible rate, etc. In addition, for complex benefit acquisition conditions, such as combination conditions (meeting multiple conditions at the same time) or progressive conditions (meeting one condition and then further meeting other conditions), the system will perform corresponding logical judgments: the preset benefit calculation formula is such as the content of the abstract expression mentioned above. The mathematical expressions corresponding to different insurance types will be different (so, the data expression can be determined by matching the customer number). For example, the compensation amount mentioned above = repair cost × insurance amount ÷ insurance value. The compensation amount must also be multiplied by the accident liability ratio. If the insured bears 70% of the liability in the accident, the compensation amount = (actual repair cost - residual value) × accident liability ratio × (1 - Deductible rate); deductible refers to the amount of money that the insurance company is not liable for after the occurrence of an insurance accident; deductible rate refers to the insurance company deducting the compensation amount according to a certain proportion. If the deductible rate stipulated in the contract is 10%, the compensation amount in the above case must be multiplied by (1-10%), etc.

[0025] Furthermore, before determining the preset equity calculation formula for the client based on the existing equity data and the preset equity acquisition conditions, the method further includes: Determine the number of preset equity acquisition conditions that the customer meets, and determine an initial equity calculation formula based on different preset equity acquisition conditions; The initial equity calculation formula is combined and operated according to the preset compatibility rules to obtain the preset equity calculation formula.

[0026] Understandably, there may be more than one preset benefit acquisition condition, and a customer may meet the acquisition conditions of multiple benefits at the same time. The system needs to calculate multiple benefits in parallel to ensure that the customer can obtain all the benefits they deserve. When there are multiple benefits, that is, there are multiple initial benefit calculation formulas, which can be combined into initial benefit calculation formula = initial benefit calculation formula 1 + initial benefit calculation formula 2 + .... In addition, in the combination process, the preset compatibility rules can be used to determine whether the benefit calculation formula is directly synthesized into an initial benefit calculation formula or combined separately. For example, different data dimensions can be combined separately, and the same data dimensions can be combined separately. For example, the data dimension of the compensation range mentioned above can be combined separately. The compensation amount, deductible and deductible rate mentioned above can be combined separately, etc. In addition, for some rights that require timely feedback, such as the rights that customers obtain immediately when purchasing a product, the system will use a real-time calculation method to calculate the rights and feedback the results immediately after the customer's operation is completed. For rights with a large amount of data, the calculation can be carried out in batches. In this embodiment, the content of the preset equity calculation formula is optimized by the number of preset equity acquisition conditions, thereby obtaining equity calculation results that are more satisfactory to customers and providing timely result feedback for different situations.

[0027] Furthermore, matching corresponding product data for the customer based on the existing equity data and the equity data to be upgraded includes: Marking the equity data to be upgraded and the existing equity data with equity numbers; After obtaining the request parameters consisting of the customer number and the benefit number corresponding to the customer through the product system, product data containing both the existing benefit data and the benefit data to be upgraded is matched.

[0028] Understandably, the equity number can establish an association between the equity data to be upgraded and the existing equity data, and can also form a request parameter for querying the product system. In this way, during the matching process, the product system can ensure uniqueness and avoid confusion with other data. The request parameter can be a parameter passed by the front end via an HTTP request (such as GET or POST). In addition, the received parameter can be verified to ensure that it conforms to the expected format and business rules, such as checking whether the equity number exists and whether the equity type is legal. If the parameter verification fails, an error message is returned to the front end. Specifically, construct request parameters and request headers based on the ICS product system, which usually include authentication information (such as API Key, Token), query conditions, etc., receive the response from the ICS product system, and check the response status code. If the status code is 200, it means the request is successful and the response data can be parsed. Otherwise, handle the error situation; parse the product information data returned by the ICS system according to business needs. The product information data may include product name, premium, coverage, health service rights, etc.; format the parsed data into the format required by the front-end, such as converting a date string into a specific format, formatting an amount into a string with a currency symbol, etc.; construct the formatted product information data into an HTTP response, usually in JSON format, and then send the constructed response data to the front-end; In this embodiment, the product system can be successfully called to query the product information corresponding to the rights and interests, and the processed data can be returned to the front end, thereby providing customers with accurate insurance product recommendation services.

[0029] Furthermore, before marking the equity data to be upgraded and the existing equity data with equity numbers, the method further includes: generating, on the rights list page, rights data to be upgraded with the highest recommendation index based on analysis of the customer's preference data, or generating, on the rights list page, rights data to be upgraded that meets a prescribed number based on the number of selections by the customer and the customer's preference data; The existing equity data and the equity data to be upgraded are combined into an equity list page; the equity data to be upgraded with the highest recommendation index and the equity data to be upgraded that meet the specified number are used to mark the equity number on the equity list page later.

[0030] Understandably, the rights list page can generate a page containing all existing rights data and upgraded rights data according to specific display dimensions, and the rights number can be generated directly on the list page later; the customer's preference data can be analyzed by different systems to determine the customer's preferences through historical data analysis of the user, and can be analyzed specifically through data analysis methods or data analysis models, such as collecting the customer's historically purchased insurance types and communication intentions to determine the user's most preferred rights data to be upgraded. In addition, the specified number in this embodiment can be set according to needs, such as providing an upgraded rights protection function, allowing a maximum of three rights to be selected at the same time, and a prompt will be issued if the number exceeds; In this embodiment, during the process of generating the rights and interests data to be upgraded, the customer's preference data is added to determine the rights and interests data to be upgraded with the highest recommendation index. At the same time, a specified number can also be added to specify the number of rights and interests data to be upgraded, thereby ensuring the customer's rights and interests in multiple aspects.

[0031] Furthermore, matching corresponding product data for the customer based on the existing equity data and the equity data to be upgraded, and generating a corresponding proposal based on the product data and feeding it back to the customer, includes: After sending a request to obtain product data to the backend through an asynchronous request, the product system interface is called to match the initial product data corresponding to the existing equity data and the equity data to be upgraded; Parsing and converting the called initial product data, and filtering and sorting the returned initial product data according to business rules and the customer's preference data to obtain the product data; After receiving a proposal preparation request submitted by a customer, integrating the customer's current information and the product data to generate the proposal; The generated proposal is typeset according to a preset format and then output to the front-end page where the customer is located.

[0032] Understandably, based on business logic and user identification, the parameters required to request data from the system interface, such as customer code and benefit code, are determined. These parameters are used by the core system to accurately filter out upgrade benefits and related product information suitable for the user. Specifically, when the front-end page is loading, or after the user triggers a specific operation, a request is sent to the back-end via an asynchronous request (such as an AJAX request), which then calls the system interface. The returned data is parsed and converted through the system interface, such as converting the date string returned by the interface into a format recognizable by the front-end, formatting the amount data into a string with a currency symbol, etc. The returned data is filtered and sorted according to business rules and user needs to obtain product data, such as giving priority to products with a wider coverage and higher cost-effectiveness, or sorting according to the user's historical browsing history and preferences. After the back-end receives the proposal preparation request submitted by the user, it integrates the user information and the selected product information to generate the content of the proposal. The proposal content should include a cover, table of contents, customer information, product introduction, protection plan, cost budget, risk warning, etc. The generated content is typeset and output according to a certain format, such as using a template engine (such as Jinja2) to fill the data into a pre-designed template to generate a proposal in HTML or PDF format. In this embodiment, it is possible to display recommended upgrade benefits and related product information, and support the function of making proposals, providing users with a more convenient and personalized insurance service experience.

[0033] In summary, the above provides a method for pushing customer rights and interests, which determines whether the customer can perform rights and interests calculation based on the verification result of the customer's current information; when it is determined that the customer can perform rights and interests calculation, the customer's existing rights and interests data is obtained, and the preset rights and interests calculation formula is determined for the customer based on the existing rights and interests data and the preset rights and interests acquisition conditions, and the rights and interests data to be upgraded are generated according to the preset rights and interests acquisition conditions, the preset rights and interests calculation formula and the existing rights and interests data; the corresponding product data is matched for the customer based on the existing rights and interests data and the rights and interests data to be upgraded, and a corresponding proposal is generated based on the product data and fed back to the terminal where the customer is located. This solution generates equity data to be upgraded based on the current equity data, and generates product data that best matches the customer through the existing equity data and the equity data to be upgraded. In this way, it can not only comprehensively improve the user's rights and interests, but also improve the customer experience and increase the transaction rate. In addition, the system has unique advantages in functional integration, intelligence, user experience, interactive design, data-driven decision-making, modular design, cross-platform support, customer segmentation and personalized services, efficient customer management tools, and continuous customer interaction and service. It can effectively improve customer experience and business transaction rate, and provide the industry with a new customer service model.

[0034] It should be understood that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present invention.

[0035] In one embodiment, a customer rights and interests push device is provided, which corresponds one-to-one with the customer rights and interests push method in the above embodiment. Figure 3 As shown, the customer benefits push device includes a determination module 11, an acquisition module 12 and a generation module 13. The functional modules are described in detail as follows: A determination module 11 is configured to determine whether the client can perform equity calculation based on the verification result of the client's current information; An acquisition module 12 is configured to, upon determining that the client is capable of performing equity calculation, acquire the client's existing equity data, determine the preset equity calculation formula for the client based on the existing equity data and preset equity acquisition conditions, and generate the equity data to be upgraded based on the preset equity acquisition conditions, the preset equity calculation formula, and the existing equity data; The generating module 13 is configured to match corresponding product data for the customer based on the existing rights and interests data and the rights and interests data to be upgraded, and generate a corresponding proposal based on the product data and feed it back to the terminal where the customer is located.

[0036] Furthermore, the determining module includes: An acquisition submodule, configured to acquire the contact information of a storage system storing the current information of the customer through a preset data access interface; An initiating submodule, configured to initiate a query request to the storage system in real time through the preset data access interface after receiving the customer number corresponding to the customer through the equity calculation system; A return submodule, configured to perform an accurate search in the database of the storage system according to the customer number, and return the retrieved current information to the equity calculation system in an agreed format; A detection submodule, configured to detect whether the current information is a null value; A first determination submodule is configured to determine that the current information of the customer is incomplete and that equity calculation cannot be performed if the current information is null; The second determination submodule is used to determine that the current information of the customer is complete if the current information is not a null value, and to determine whether the equity calculation can be performed.

[0037] Furthermore, the acquisition module includes: A third determination submodule is configured to analyze the current information of the customer according to preset business rules to determine whether the customer meets the preset benefit acquisition conditions; The first generation submodule is configured to substitute the current information of the customer and the existing benefit data into the preset benefit calculation formula to generate the benefit data to be upgraded.

[0038] Further, the acquisition module comprises: The fourth determination submodule is configured to determine the number of preset benefit acquisition conditions met by the customer, and determine an initial benefit calculation formula according to different preset benefit acquisition conditions. The combination operation submodule is configured to perform combination operation on the initial benefit calculation formula according to a preset compatibility rule to obtain the preset benefit calculation formula.

[0039] Further, the generation module comprises: The marking submodule is configured to mark the benefit numbers on the existing benefit data and the benefit data to be upgraded. The first matching submodule is configured to match product data containing both the existing benefit data and the benefit data to be upgraded after obtaining request parameters composed of the customer number corresponding to the customer and the benefit number through the product system.

[0040] Further, the generation module comprises: The second generation submodule is configured to generate the benefit data to be upgraded with the highest recommendation index in the benefit list page according to the analysis of the preference data of the customer, or generate the benefit data to be upgraded meeting the specified number in the benefit list page according to the number of selections of the customer and the preference data of the customer. The composition submodule is configured to compose the existing benefit data and the benefit data to be upgraded into a benefit list page; the benefit data to be upgraded with the highest recommendation index and the benefit data to be upgraded meeting the specified number are used for subsequent marking of the benefit numbers in the benefit list page.

[0041] Further, the generation module comprises: The second matching submodule is configured to call a product system interface to match initial product data corresponding to the existing benefit data and the benefit data to be upgraded after sending an acquisition product data request to the backend through an asynchronous request. The screening and sorting submodule is configured to analyze and convert the called initial product data, and screen and sort the returned initial product data according to business rules and the preference data of the customer to obtain the product data. The third generation submodule is configured to integrate the current information of the customer and the product data to generate the proposal after receiving a proposal making request submitted by the customer. The output submodule is used to format the generated proposal in a preset format and then output it to the front-end page where the customer is located.

[0042] The specific limitations of the customer benefit push device can be found in the limitations of the customer benefit push method described above and will not be repeated here. Each module in the aforementioned customer benefit push device can be implemented in whole or in part through software, hardware, or a combination thereof. Each of the aforementioned modules can be embedded in or independent of a processor in a computer device in hardware form, or can be stored in a memory in a computer device in software form, so that the processor can call and execute the corresponding operations of each of the aforementioned modules.

[0043] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 4 As shown. The computer device includes a processor, memory, network interface and database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store data involved in the customer rights and interests push method. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a customer rights and interests push method is implemented.

[0044] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the steps of the customer benefits push method in the above embodiment are implemented, such as Figure 2 Steps S10 to S30 are shown; Alternatively, when the processor executes the computer program, the functions of the modules / units of the customer benefits push device in the above embodiment are realized, such as Figure 3 The functions of modules 11 to 13 are shown in FIG.

[0045] In one embodiment, a computer-readable storage medium is provided on which a computer program is stored. When the computer program is executed by a processor, the steps of the customer benefits push method in the above embodiment are implemented, such as Figure 2 Steps S10 to S30 are shown; Alternatively, when the computer program is executed by the processor, the functions of the modules / units of the customer benefits push device in the above embodiment are realized, such as Figure 3 The functions of modules 11 to 13 are shown in FIG.

[0046] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing the relevant hardware using a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the above-described method embodiments. Any reference to memory, storage, database, or other media used in the various embodiments provided herein may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct RAMbus dynamic RAM (DRDRAM), and RAMbus dynamic RAM (RDRAM).

[0047] Those skilled in the art will clearly understand that for the sake of convenience and brevity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0048] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit the same. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the present invention, and should all be included in the scope of protection of the present invention.

Claims

1. A method for pushing customer benefits, characterized in that: include: Determining whether the client can perform equity calculation based on the verification result of the client's current information; When it is determined that the client is capable of performing equity calculation, obtaining the client's existing equity data, determining the preset equity calculation formula for the client based on the existing equity data and preset equity acquisition conditions, and generating the equity data to be upgraded based on the preset equity acquisition conditions, the preset equity calculation formula, and the existing equity data; The corresponding product data is matched for the customer according to the existing rights and interests data and the rights and interests data to be upgraded, and a corresponding proposal is generated according to the product data and fed back to the terminal where the customer's terminal is located.

2. The method for pushing customer benefits according to claim 1, characterized in that: Determining whether the client can perform equity calculation based on the verification result of the client's current information includes: Obtaining the contact of the storage system storing the current information of the customer through a preset data access interface; After receiving the customer number corresponding to the customer through the equity calculation system, a query request is sent to the storage system in real time through the preset data access interface; Perform an accurate search in the database of the storage system according to the customer number, and return the retrieved current information to the equity calculation system in an agreed format; Detecting whether the current information is a null value; If the current information is null, it is determined that the current information of the customer is incomplete and it is determined that the equity calculation cannot be performed; If the current information is not a null value, it is determined that the current information of the customer is complete, and it is determined that the equity calculation can be performed.

3. The method for pushing customer benefits according to claim 1, characterized in that: The acquiring of the existing equity data of the client and generating the equity data to be upgraded based on the preset equity acquisition conditions, the preset equity calculation formula and the existing equity data includes: Analyze the customer's current information according to preset business rules to determine whether the customer meets the preset benefit acquisition conditions; After substituting the current information of the customer and the existing equity data into the preset equity calculation formula, the equity data to be upgraded is generated.

4. The method for pushing customer benefits according to claim 3, characterized in that: Before determining the preset equity calculation formula for the client based on the existing equity data and the preset equity acquisition conditions, the method further includes: Determine the number of preset equity acquisition conditions that the customer meets, and determine an initial equity calculation formula based on different preset equity acquisition conditions; The initial equity calculation formula is combined and operated according to the preset compatibility rules to obtain the preset equity calculation formula.

5. The method for pushing customer benefits according to claim 1, characterized in that: The matching of corresponding product data for the customer based on the existing equity data and the equity data to be upgraded includes: Marking the equity data to be upgraded and the existing equity data with equity numbers; After obtaining the request parameters consisting of the customer number and the benefit number corresponding to the customer through the product system, product data containing both the existing benefit data and the benefit data to be upgraded is matched.

6. The method for pushing customer benefits according to claim 5, characterized in that: Before marking the equity data to be upgraded and the existing equity data with equity numbers, the method further includes: generating, on the rights list page, rights data to be upgraded with the highest recommendation index based on analysis of the customer's preference data, or generating, on the rights list page, rights data to be upgraded that meets a prescribed number based on the number of selections by the customer and the customer's preference data; The existing equity data and the equity data to be upgraded are combined into an equity list page; the equity data to be upgraded with the highest recommendation index and the equity data to be upgraded that meet the specified number are used to mark the equity number on the equity list page later.

7. The method for pushing customer benefits according to claim 1 or 5, characterized in that: The matching of corresponding product data for the customer based on the existing equity data and the equity data to be upgraded, and generating a corresponding proposal based on the product data and feeding it back to the customer, includes: After sending a request to obtain product data to the backend through an asynchronous request, the product system interface is called to match the initial product data corresponding to the existing equity data and the equity data to be upgraded; Parsing and converting the called initial product data, and filtering and sorting the returned initial product data according to business rules and the customer's preference data to obtain the product data; After receiving a proposal preparation request submitted by a customer, integrating the customer's current information and the product data to generate the proposal; The generated proposal is typeset according to a preset format and then output to the front-end page where the customer is located.

8. A customer rights push device, characterized in that: include: A determination module, configured to determine whether the client can perform equity calculation based on a verification result of the client's current information; an acquisition module, configured to, upon determining that the client is capable of performing equity calculation, acquire the client's existing equity data, determine the preset equity calculation formula for the client based on the existing equity data and preset equity acquisition conditions, and generate the equity data to be upgraded based on the preset equity acquisition conditions, the preset equity calculation formula, and the existing equity data; The generating module is used to match corresponding product data for the customer according to the existing rights and interests data and the rights and interests data to be upgraded, and generate a corresponding proposal according to the product data and feed it back to the terminal where the customer is located.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method for pushing customer benefits as described in any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the method for pushing customer benefits as described in any one of claims 1 to 7 is implemented.

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