Interaction method and system, storage medium and computer program product

Abstract

The invention provides an interaction method and system, a storage medium and a product. The method can be applied to the field of financial science and technology. The method comprises the following steps: a scenic spot system and a bank system respectively obtain operation behavior data and historical bank service use information of a user for scenic spot information under user authorization; the scenic spot system and the bank system respectively obtain the node number of computing nodes capable of participating in cooperative computing in the multi-party security computing platform; the scenic spot system and the bank system respectively use a secret sharing protocol to carry out fragmentation secret culture processing on the data obtained by the scenic spot system and the bank system based on the number of the nodes, and distribute the fragmentation data subjected to the fragmentation secret culture processing to each computing node in a one-to-one correspondence manner; each computing node performs cooperative computing on the fragmented data through a secret sharing protocol to obtain travel demand information of the user and a bank right and interest reference value; and the bank system determines financial preferential information matched with the travel demand information based on the bank right and interest reference value, and recommends the financial preferential information to the user through the scenic spot system.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to an interactive method, system, computer-readable storage medium, and computer program product. Background Technology

[0002] Users who browse information about scenic spots or plan to travel there typically have diverse service needs, such as purchasing attraction tickets, booking nearby accommodations, and finding nearby restaurants. Currently, financial institutions are collaborating with scenic spots to offer preferential service programs for customers. These programs can be communicated to users through offline notices, bulletin boards, or when they use the scenic spot's services.

[0003] However, traditional promotional services are standardized and cannot provide personalized services to users. Furthermore, these services cannot reach all users, resulting in some users being unaware of the information and unable to enjoy the promotional offers. Summary of the Invention

[0004] This application provides an interactive method, system, computer-readable storage medium, and computer program product that can push highly suitable financial preferential services to users that meet their travel needs, and can reach all users, thereby improving users' financial service experience.

[0005] In a first aspect, embodiments of this application provide an interaction method, including:

[0006] With user authorization, the scenic area system and the banking system respectively obtain the user's operational behavior data regarding scenic area information and historical banking service usage information;

[0007] The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing;

[0008] Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform cryptic processing on the data they acquire, and then distribute the cryptic data to each computing node one by one.

[0009] Each computing node performs collaborative computation on the fragmented data in the encrypted domain through a secret sharing protocol, based on preset business computing rules, to obtain the user's travel demand information and bank benefit reference value.

[0010] The banking system determines financial incentives that match the tourism demand information based on the bank's equity reference value, and recommends the financial incentives to the user through the scenic area system.

[0011] Secondly, embodiments of this application provide an interactive system, including: a scenic area system, a banking system, and a multi-party secure computing platform;

[0012] With user authorization, the scenic area system and the banking system respectively obtain the user's operational behavior data regarding scenic area information and historical banking service usage information;

[0013] The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing;

[0014] Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform cryptic processing on the data they acquire, and then distribute the cryptic data to each computing node one by one.

[0015] Each computing node performs collaborative computation on the fragmented data in the encrypted domain through a secret sharing protocol, based on preset business computing rules, to obtain the user's travel demand information and bank benefit reference value.

[0016] The banking system receives the tourism demand information and the bank's equity reference value sent by the multi-party secure computing platform, determines financial preferential information that matches the tourism demand information based on the bank's equity reference value, and recommends the financial preferential information to the user through the scenic spot system.

[0017] Thirdly, embodiments of this application provide a computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of the interaction method provided in the first aspect of embodiments of this application.

[0018] Fourthly, embodiments of this application provide a computer program product having a computer program stored thereon, wherein when the computer program is executed by a processor, it implements the steps of the interaction method provided in the first aspect of embodiments of this application.

[0019] The technical solution provided in this application embodiment involves the scenic area system and the banking system, under user authorization, acquiring user operation behavior data and historical banking service usage information related to scenic area information, as well as the number of computing nodes capable of participating in collaborative computing in a multi-party secure computing platform. Based on the number of nodes, the scenic area system and the banking system use a secret sharing protocol to perform sharding and encryption processing on the data they acquire, and then distribute the sharded data to each computing node. Each computing node, according to preset business computing rules, performs collaborative computing on the sharded data in the encrypted domain using the secret sharing protocol to obtain the user's tourism demand information and... The bank's equity reference value is used by the banking system to determine financial incentives that match tourism needs. These incentives are then recommended to users through the scenic area's system. In other words, this solution uses segmented and encrypted processing, ensuring that all computational nodes base their calculations on the segmented and encrypted data. This means the data is usable but not visible, making it impossible to reconstruct the user's original data, thus guaranteeing user data security. This approach achieves precise matching of financial incentives while ensuring user data security. Furthermore, personalized financial incentives tailored to users' tourism needs are pushed to users through digital delivery, enhancing their financial service experience. Attached Figure Description

[0020] Figure 1 A schematic diagram illustrating an application scenario of the interaction method provided in an embodiment of this application;

[0021] Figure 2 A flowchart illustrating the interaction method provided in an embodiment of this application;

[0022] Figure 3 A flowchart illustrating the process of determining financial incentive information provided in this application embodiment;

[0023] Figure 4 This is another flowchart illustrating the interaction method provided in an embodiment of this application. Detailed Implementation

[0024] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions in the embodiments of this application will be further described in detail below with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are only for explaining this application and are not intended to limit this application. Those skilled in the art can make adjustments as needed to suit specific application scenarios. Furthermore, it should be noted that, for ease of description, only the parts related to this application are shown in the accompanying drawings, not the entire structure.

[0025] It should be noted that the information collected in the embodiments of this application is all information and data authorized by the user or fully authorized by all parties. The collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data all comply with the relevant laws, regulations and standards of the relevant countries and regions, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0026] Figure 1 The illustrations depict application scenarios to which the interaction method provided in the embodiments of this application is applicable. For example... Figure 1 As shown, this application scenario may include a scenic area system 101, a banking system 102, and a multi-party secure computing platform 103. The scenic area system 101 and the banking system 102 are electrically connected to the multi-party secure computing platform 103 via a network, and the scenic area system 101 is also electrically connected to the banking system 102 via a network. The aforementioned network may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0027] The scenic area system 101 provides support for users to browse and / or operate scenic area information. It can store user behavior data related to scenic area information, such as the number of times scenic area information is browsed, the types of scenic area information collected, and the number of times scenic area information is collected. The banking system 102 provides users with financial-related services and can store the aforementioned user financial-related data. The multi-party secure computation platform 103 is equipped with multiple computing nodes. These nodes use a secret sharing protocol to collaboratively compute the fragmented encrypted data provided by the scenic area system 101 and the banking system 102 to obtain the user's travel demand information and the user's bank benefit reference value. The multi-party secure computation platform sends the computed user's travel demand information and bank benefit reference value to the banking system 102. The banking system 102 can then recommend financial preferential information to the user based on the user's travel demand information and bank benefit reference value. Under the premise of secure computation of user data, accurate delivery of financial preferential information is achieved.

[0028] Figure 2 This is a flowchart illustrating an interaction method provided in an embodiment of this application. Figure 2 As shown, the method may include:

[0029] S201, the scenic area system, and the banking system, with user authorization, respectively obtain user's operational behavior data regarding scenic area information and historical banking service usage information.

[0030] Specifically, users can access the scenic area system through its app, mini-program, or official WeChat account. When a user logs in via these methods, the system detects the login activity and pushes an authorization page to the scenic area's client, requesting authorization to use the user's data within both the scenic area and banking systems. After obtaining authorization, the system retrieves the user's operational data related to scenic area information and triggers the banking system to access the user's historical banking service usage information. It's important to note that obtaining user authorization here is solely for pushing relevant promotional information tailored to the user's travel needs. Whether the user authorizes or not will not affect their normal use of the scenic area system. For example, if the user does not authorize, no financial promotional information tailored to their travel needs will be recommended, but the user can still use the various functions provided by the scenic area system normally, such as purchasing tickets and booking hotels.

[0031] In one possible implementation, both the scenic area system and the banking system have built-in data acquisition services. When a user logs into the scenic area system, each party uses its respective built-in data acquisition service to obtain the user's operational behavior data regarding scenic area information and historical banking service usage information. The aforementioned operational behavior data mainly refers to user actions within the scenic area system. By analyzing this data, the user's tourism needs can be determined, such as accommodation, ticketing, or dining needs. Historical banking service usage information mainly involves whether the user has used banking services and the frequency of such use.

[0032] S202, the scenic area system, and the bank system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing.

[0033] Specifically, the scenic area system and the bank system can each proactively send a node query request to the multi-party secure computing platform. This node query request is used to request the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing. After receiving the node query request, the multi-party secure computing platform evaluates the current resource usage of the registered computing nodes (such as computing resources, memory resources, network load, etc.), selects computing nodes that meet the preset computing conditions, thereby determining the number of nodes that can currently participate in collaborative computing, and sends a node query response to the scenic area system and the bank system respectively. This node query response carries the number of nodes that can currently participate in collaborative computing.

[0034] S203, the scenic area system, and the bank system, based on the number of nodes, use a secret sharing protocol to perform sharding and encrypted processing on the data they acquire, and then distribute the sharded data to each computing node one by one.

[0035] Specifically, after the scenic area system and the bank system obtain the number of nodes, they use a secret sharing protocol to perform sharding and cryptographic processing on the data they have acquired, dividing it into multiple shards, thereby fragmenting and deordering the data. As an optional implementation, the number of shards equals the number of nodes. For example, assuming a multi-party secure computation platform has four computing nodes capable of participating in secure collaborative computation, the scenic area system and the bank system can divide their respective acquired data into four shards. As another example, for a numeric field "100" in the scenic area system, which might represent a user's ticket purchase amount, the secret sharing protocol could be used to split the numeric field "100" into 40+30+20+10. Of course, this splitting method is only an example, mainly used to understand the data sharding process; in reality, other combinations may exist.

[0036] After processing their respective acquired data into segments using a data-encoding method, the scenic area system and the bank system distribute the processed segments to the participating computing nodes, with each node receiving only one segment. For example, using the numeric field "100," the scenic area system can distribute the amounts "40," "30," "20," and "10" to the computing nodes, with each node receiving only one of these amounts.

[0037] Fragmented encryption ensures that data computation is usable but invisible, and that the data cannot be intercepted and recovered by any party. Even if fragmented data is leaked or intercepted after fragmented encryption, since no party has complete data and recovery rules, it is impossible to recover the fragmented data into meaningful data, thus ensuring the security of user data.

[0038] S204. Each computing node, through preset business computing rules, performs collaborative computing on the fragmented data in the encrypted domain using a secret sharing protocol to obtain users' travel demand information and bank benefit reference values.

[0039] The aforementioned business calculation rules can be pre-configured by business personnel based on actual needs. These pre-configured rules can be as follows: 1. Statistically analyze users' travel needs, such as accommodation, ticketing, dining, and transportation needs. 2. Determine users' bank benefit reference values ​​based on their historical banking service usage information. For example, determine users' overall activity level based on historical banking service usage information. The higher a user's overall activity level in using banking services, the higher their bank benefit reference value; conversely, the lower a user's overall activity level in using banking services, the lower their bank benefit reference value. After obtaining the fragmented data, each calculation node performs calculations on the fragmented data provided by multiple parties in the encrypted domain using a secret sharing protocol, according to the pre-configured business calculation rules, to obtain intermediate calculation results. Each calculation node shares these intermediate calculation results with other calculation nodes, and each calculation node merges and calculates the intermediate calculation results from all parties to obtain the final calculation result. This final calculation result represents the user's travel needs information and bank benefit reference value.

[0040] The results obtained from distributed collaborative computation of multi-party data are the same as those obtained by directly computing plaintext data using the same business computation rules. That is, the same final computation result can be obtained. However, the data in the multi-party secure computation process is invisible and cannot be deduced and recovered from plaintext, which further ensures the security of user data.

[0041] S205. The banking system determines financial incentive information that matches tourism demand information based on the bank's equity reference value, and recommends the financial incentive information to users through the scenic area system.

[0042] The multi-party secure computation platform sends the calculated travel demand information and bank benefit reference values ​​to the banking system. The banking system can then combine the characteristics of various preferential services in a pre-configured preferential service set to determine financial preferential information that matches the user's travel demand information. For example, if a user needs to purchase tickets, the system can offer card-linked vouchers or discounts for first-time bank payment transactions, based on the user's bank benefit reference value. Similarly, if a user needs accommodation, the system can offer interest-free installment payments or card-linked payment discounts, based on the user's bank benefit reference value. Optionally, if a user has multiple travel demand information, the system can determine financial preferential information matching each travel demand information and recommend such information to the user. Alternatively, it can select a target travel demand information from multiple travel demand information according to a preset priority and recommend financial preferential information matching that target travel demand information to the user.

[0043] Furthermore, after identifying the financial incentive information, the bank system recommends it to users through the scenic area system. Optionally, the bank system can recommend the financial incentive information to users through the scenic area system using at least one of the following methods: graphic cards, graphic codes, pop-ups, and hyperlinks. Graphic codes can include QR codes or barcodes. For example, financial incentive information can be recommended to users within relevant pages on the scenic area system using at least one of the following methods: graphic cards, graphic codes, pop-ups, and hyperlinks. By providing diverse entry points within a single interface, the operational cost for users to obtain financial incentive information is reduced, thus improving the user's financial service experience.

[0044] Optionally, after the computing nodes participating in collaborative computing in the multi-party secure computing platform feed back the tourism demand information and the bank's equity reference value to the banking system, each computing node destroys its own fragmented data, tourism demand information, and bank equity reference value, thereby ensuring the security of data from all parties.

[0045] The interaction method provided in this application embodiment involves the scenic area system and the banking system, under user authorization, acquiring user operation behavior data and historical banking service usage information related to scenic area information, as well as the number of computing nodes capable of participating in collaborative computing in a multi-party secure computing platform. Based on the number of nodes, the scenic area system and the banking system perform sharding and encryption processing on the acquired data using a secret sharing protocol, and distribute the sharded data to each computing node. Each computing node, according to preset business computing rules, performs collaborative computing on the sharded data in the encrypted domain using the secret sharing protocol to obtain the user's tourism demand information and... The bank's equity reference value is used by the banking system to determine financial incentives that match tourism needs. These incentives are then recommended to users through the scenic area's system. In other words, this solution uses segmented and encrypted processing, ensuring that all computational nodes base their calculations on the segmented and encrypted data. This means the data is usable but not visible, making it impossible to reconstruct the user's original data, thus guaranteeing user data security. This approach achieves precise matching of financial incentives while ensuring user data security. Furthermore, personalized financial incentives tailored to users' tourism needs are pushed to users through digital delivery, enhancing their financial service experience.

[0046] Based on the above embodiments, optionally, as follows: Figure 3 As shown, the process by which the banking system determines financial incentive information that matches tourism demand information based on bank equity reference values ​​may include:

[0047] S301. The banking system determines the type of financial incentive based on the bank's equity reference value.

[0048] S302. The banking system generates financial incentive content that matches the travel demand information based on the type of financial incentive.

[0049] Specifically, the banking system can determine the target benefit reference range within which a user's bank benefit reference value falls, and determine the type of financial offer corresponding to that target benefit reference range based on a preset mapping table. This mapping table includes the mapping relationship between the benefit reference range and the type of financial offer. For example, assuming the user's bank benefit reference value is less than a first preset threshold, the financial offer type is determined to be a discount for new bank card applications, etc.; if the user's bank benefit reference value is greater than or equal to the first preset threshold and less than a second preset threshold, the financial offer type is determined to be a discount for bank card payments, etc.; if the user's bank benefit reference value is greater than or equal to the second preset threshold, the financial offer type is determined to be interest-free installments, etc.

[0050] After obtaining the type of financial offer, the banking system can generate financial offer content that matches the user's travel needs based on the type of financial offer and the user's travel needs information, combined with an offer information generation template. For example, for the user's accommodation needs, the system can generate financial offer information matching the user's accommodation needs based on the determined financial offer type "card-linked consumption discount," such as "first-time card linking entitles you to a y% discount on hotel accommodation fees at xx hotel," etc.

[0051] In this embodiment, the type of financial offer is determined by combining the user's bank benefit reference value, and financial offer content that matches the user's travel needs information is generated based on the type of financial offer. This makes the financial offer information suitable for the user's characteristics, improves the accuracy of financial offer information recommendations, and thus enhances the user experience.

[0052] In one embodiment, optionally, the process by which the banking system obtains a user's historical banking service usage information may include: the scenic area system performing salting and obfuscation processing on the user's identifier to obtain a processed user identifier; the scenic area system sending an information query request to the banking system, the information query request including the processed user identifier; and in response to the information query request, the banking system retrieving the historical banking service usage information corresponding to the processed user identifier from the database.

[0053] To further enhance user data security, when retrieving a user's historical banking service usage information from the banking system, the system does not want the banking system to know which specific customer's information is being queried. Therefore, the scenic area system can salt and obfuscate the user's identifier, and include the processed identifier in the information query request sent to the banking system. This information query request requests the historical banking service usage information corresponding to the processed user identifier. The banking system queries the database for the historical banking service usage information corresponding to the processed user identifier, and, considering the number of computing nodes participating in the collaborative computation in the multi-party secure computation platform, performs sharding and encryption processing on the historical banking service usage information. The sharded and encryption-processed data is then distributed one-to-one to each computing node participating in the collaborative computation. This method allows the system to obtain a user's historical banking service usage information without directly using the original user identity information, thus improving the security of user identity information.

[0054] In one embodiment, alternatively, such as Figure 4 As shown, the method also includes:

[0055] S401. In response to receiving a close operation on financial offer information, the banking system obtains the user's level of interest in the financial offer information.

[0056] S402. The banking system determines the interactive operation based on the degree of interest and executes the interactive operation.

[0057] Specifically, the banking system can obtain user interest in financial offer information through the scenic area system. This interest level is related to the display duration of the financial offer information and the depth of interaction between the user and the information (e.g., browsing time, number of shares). A longer display duration and deeper interaction are generally considered to indicate higher interest. As an example, user interest in financial offer information can be input into a reinforcement learning model for analysis to determine the appropriate interaction from alternative strategies. Alternative strategies can be pre-set based on actual application scenarios, such as subscription to notifications of financial offer information matching travel needs, or sending private messages with financial offer information. Then, the interaction is executed. For example, assuming the determined interaction is to send a private message with financial offer information matching the user's travel needs, the interaction can be executed to send the user a private message to inform them of the offer. Of course, if the user is not interested in the financial offer information, no further financial offer information will be sent to them.

[0058] Therefore, through the above technical solution, after the user closes the financial offer information, the user can be provided with further interactive operations to try to provide the user with financial offer information that matches the user's travel needs through other means. This allows the interactive operations to be dynamically updated in response to the user's actions, thereby improving the diversity of user interaction.

[0059] In one embodiment, an interactive system is also provided, the structural diagram of which can be shown as follows: Figure 1 As shown, the recommendation system may include a scenic area system 101, a bank system 102, and a multi-party secure computing platform 103.

[0060] With user authorization, the scenic area system 101 and the bank system 102 respectively obtain user's operational behavior data on scenic area information and historical bank service usage information;

[0061] The scenic area system 101 and the bank system 102 respectively obtain the number of computing nodes in the multi-party secure computing platform 103 that can participate in collaborative computing;

[0062] Based on the number of nodes, the scenic area system 101 and the bank system 102 respectively use a secret sharing protocol to perform sharding and encrypted processing on the data they acquire, and then distribute the sharded data after sharding and encrypted processing to each computing node.

[0063] Each computing node, through preset business computing rules, collaboratively computes the fragmented data in the encrypted domain using a secret sharing protocol to obtain users' travel demand information and bank benefit reference values;

[0064] The banking system 102 receives tourism demand information and bank equity reference values ​​sent by the multi-party secure computing platform 103, determines financial preferential information that matches the tourism demand information based on the bank equity reference values, and recommends the financial preferential information to users through the scenic area system 101.

[0065] Based on the above embodiments, optionally, the banking system 102 determines the type of financial offer based on the bank's equity reference value; the banking system 102 determines the content of the financial offer that matches the tourism demand information based on the type of financial offer.

[0066] Based on the above embodiments, optionally, the scenic area system 101 performs salting obfuscation processing on the user's user identifier to obtain a processed user identifier; the scenic area system 101 sends an information query request to the bank system 102, the information query request including the processed user identifier; in response to the information query request, the bank system 102 retrieves the historical banking service usage information corresponding to the processed user identifier from the database.

[0067] Based on the above embodiments, optionally, in response to receiving a close operation on financial preferential information, the bank system 102 obtains the user's level of interest in the financial preferential information; the bank system 102 determines the interaction operation based on the level of interest and executes the interaction operation.

[0068] Based on the above embodiments, optionally, after feeding back the tourism demand information and the bank equity reference value to the bank system, each computing node participating in collaborative computing in the multi-party secure computing platform 103 destroys its own obtained fragmented data, tourism demand information and bank equity reference value.

[0069] Based on the above embodiments, optionally, the bank system 102 recommends financial preferential information to users through the scenic area system 101 using at least one of the following: graphic cards, graphic codes, pop-ups, and hyperlinks.

[0070] In one embodiment, a computer-readable storage medium is also provided, on which a computer program is stored, the computer program performing the following steps when executed by a processor:

[0071] With user authorization, the scenic area system and the banking system respectively obtain user's operational behavior data regarding scenic area information and historical banking service usage information;

[0072] The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing;

[0073] Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform sharding and encrypted processing on the data they acquire, and then distribute the sharded data to each computing node one by one.

[0074] Each computing node, through preset business computing rules, collaboratively computes the fragmented data in the encrypted domain using a secret sharing protocol to obtain users' travel demand information and bank benefit reference values;

[0075] The banking system determines financial incentives that match tourism demand information based on bank equity reference values, and recommends these incentives to users through the scenic area system.

[0076] In one embodiment, a computer program product is also provided, on which a computer program is stored, which, when executed by a processor, performs the following steps:

[0077] With user authorization, the scenic area system and the banking system respectively obtain user's operational behavior data regarding scenic area information and historical banking service usage information;

[0078] The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing;

[0079] Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform sharding and encrypted processing on the data they acquire, and then distribute the sharded data to each computing node one by one.

[0080] Each computing node, through preset business computing rules, collaboratively computes the fragmented data in the encrypted domain using a secret sharing protocol to obtain users' travel demand information and bank benefit reference values;

[0081] The banking system determines financial incentives that match tourism demand information based on bank equity reference values, and recommends these incentives to users through the scenic area system.

[0082] The interactive system, computer-readable storage medium, and computer program product provided in the above embodiments can execute the interactive method provided in any embodiment of this application, and have the corresponding functional modules and beneficial effects for executing the method. Technical details not described in detail in the above embodiments can be found in the interactive method provided in any embodiment of this application.

[0083] Based on the above description of the implementation methods, those skilled in the art can clearly understand that this application can be implemented using software and necessary general-purpose hardware, and of course, it can also be implemented using hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory, hard disk, or optical disk, etc., including several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute the methods of the various embodiments of this application.

[0084] It is worth noting that the units and modules included in the above embodiments are only divided according to functional logic, but are not limited to the above division, as long as the corresponding functions can be achieved; in addition, the specific names of each functional unit are only for easy differentiation and are not used to limit the scope of protection of this application.

[0085] Note that the above description is merely a preferred embodiment and the technical principles employed in this application. Those skilled in the art will understand that this application is not limited to the specific embodiments described herein, and various obvious changes, readjustments, and substitutions can be made without departing from the scope of protection of this application. Therefore, although this application has been described in detail through the above embodiments, this application is not limited to the above embodiments. Many other equivalent embodiments may be included without departing from the concept of this application, and the scope of this application is determined by the scope of the appended claims.

Claims

1. An interaction method, characterized in that, include: With user authorization, the scenic area system and the banking system respectively obtain the user's operational behavior data regarding scenic area information and historical banking service usage information; The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing; Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform cryptic processing on the data they acquire, and then distribute the cryptic data to each computing node one by one. Each computing node performs collaborative computation on the fragmented data in the encrypted domain through a secret sharing protocol, based on preset business computing rules, to obtain the user's travel demand information and bank benefit reference value. The banking system determines financial incentives that match the tourism demand information based on the bank's equity reference value, and recommends the financial incentives to the user through the scenic area system.

2. The method according to claim 1, characterized in that, The banking system determines financial incentives that match the travel demand information based on the aforementioned bank equity reference value, including: The banking system determines the type of financial offer based on the aforementioned bank equity reference value; The banking system generates financial offer content that matches the travel demand information based on the aforementioned financial offer type.

3. The method according to claim 1, characterized in that, The banking system obtains the user's historical banking service usage information, including: The scenic area system performs salting and obfuscation processing on the user's identifier to obtain the processed user identifier; The scenic area system sends an information query request to the banking system, and the information query request includes the processed user identifier. In response to the information query request, the banking system retrieves the historical banking service usage information corresponding to the processed user identifier from the database.

4. The method according to claim 1, characterized in that, Also includes: In response to receiving a close operation on the financial offer information, the banking system obtains the user's level of interest in the financial offer information; The banking system determines the interactive operation based on the level of interest and executes the interactive operation.

5. The method according to claim 1, characterized in that, Also includes: After feeding back the tourism demand information and the bank equity reference value to the banking system, each computing node destroys its acquired shard data, the tourism demand information, and the bank equity reference value.

6. The method according to claim 1, characterized in that, The financial incentive information is recommended to the user through the scenic area system, including: The scenic area system recommends the financial incentive information to the user through at least one of the following methods: graphic cards, QR codes, pop-ups, and hyperlinks.

7. An interactive system, characterized in that, include: Scenic area system, banking system, and multi-party secure computing platform; With user authorization, the scenic area system and the banking system respectively obtain the user's operational behavior data regarding scenic area information and historical banking service usage information; The scenic area system and the banking system respectively obtain the number of computing nodes in the multi-party secure computing platform that can participate in collaborative computing; Based on the number of nodes, the scenic area system and the banking system respectively use a secret sharing protocol to perform cryptic processing on the data they acquire, and then distribute the cryptic data to each computing node one by one. Each computing node performs collaborative computation on the fragmented data in the encrypted domain through a secret sharing protocol, based on preset business computing rules, to obtain the user's travel demand information and bank benefit reference value. The banking system receives the tourism demand information and the bank's equity reference value sent by the multi-party secure computing platform, determines financial preferential information that matches the tourism demand information based on the bank's equity reference value, and recommends the financial preferential information to the user through the scenic spot system.

8. The system according to claim 7, characterized in that, The banking system determines the type of financial offer based on the aforementioned bank equity reference value; The banking system determines the financial offer content that matches the travel demand information based on the type of financial offer.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 6.

10. A computer program product having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 6.

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