Information processing method and device, equipment, medium and program product

Abstract

The invention provides an information processing method which can be applied to the technical field of cloud computing. The information processing method comprises the following steps: initiating a resource receiving invitation of a target financial institution to a user through a consumption platform; in response to the fact that the user accepts the resource receiving invitation, account binding information of the user on the consumption platform is obtained, and the account binding information represents whether the user binds an account of the target financial institution on the consumption platform or not; under the condition that the account binding information is bound, account information of the user is obtained, and the account information represents transaction flow data of the user in the target financial institution; and determining a first available resource allocated to the user according to the accounting information. The invention further provides an information processing device, equipment, a storage medium and a program product.

Description

Technical Field

[0001] This application relates to the field of cloud computing, specifically to an information processing method, apparatus, device, medium, and program product. Background Technology

[0002] With the booming development of the digital economy, cross-industry cooperation between consumer platforms and financial institutions has become a mainstream strategy for enhancing user stickiness and expanding into new markets. Against this backdrop, attracting users to link their bank cards and complete transactions by distributing available resources is one of the most common marketing methods used by target financial institutions.

[0003] In existing technologies, when financial institutions send available resources to users of consumer platforms, the distribution methods are often indiscriminate and generic, failing to tailor the distribution to each user's specific situation. This results in low conversion rates and significant resource waste. This is mainly reflected in the following aspects: First, financial institutions typically lack the ability to gain granular insights into platform users. Second, even with some data, they fail to dynamically correlate and intelligently match multidimensional user information with resource distribution strategies. Ultimately, this resource distribution model not only fails to effectively reach and convert high-potential customers but also damages the consumer experience by ineffectively disturbing low-interest users, leading to a huge waste of marketing budgets and negatively impacting the user experience. Summary of the Invention

[0004] In view of the above problems, this application provides an information processing method, apparatus, device, medium and program product.

[0005] According to a first aspect of this application, an information processing method is provided, comprising: initiating a resource acquisition invitation from a target financial institution to a user through a consumption platform; in response to the user accepting the resource acquisition invitation, obtaining the user's account binding information on the consumption platform, the account binding information indicating whether the user has bound an account with the target financial institution on the consumption platform; if the account binding information indicates that the account is bound, obtaining the user's accounting information, the accounting information indicating the user's transaction flow data in the target financial institution; and determining a first available resource to be allocated to the user based on the accounting information.

[0006] According to an embodiment of this application, determining the reason for a user's non-binding based on transaction information includes: determining the first available resource to be allocated to the user based on accounting information, including: parsing the accounting information to determine the user's transaction records and transaction preferences at the target financial institution; and determining the first available resource to be allocated to the user based on the transaction records and transaction preferences.

[0007] According to an embodiment of this application, determining the first available resource allocated to a user based on accounting information includes: determining failed transaction information based on accounting information, wherein the failed transaction information represents a transaction record in which the user failed to pay using the account of the target financial institution; analyzing the failed transaction information to obtain the reason for failure; and determining the first available resource allocated to the user based on the reason for failure.

[0008] According to an embodiment of this application, determining the first available resource to be allocated to a user based on accounting information includes: obtaining the user's asset data after obtaining authorization to access the user's asset data; assessing the user's consumption risk level based on the asset data and accounting information; and determining the first available resource to be allocated to the user based on the consumption risk level.

[0009] According to an embodiment of this application, the information processing method further includes: allocating a second available resource to the user when the account binding information is not bound.

[0010] According to an embodiment of this application, when there are multiple users, determining the first available resource to be allocated to each user based on the accounting information includes: parsing the accounting information of each user among the multiple users to obtain multiple accounting characteristics of each user; classifying each user according to the multiple accounting characteristics of each user to obtain the category to which each user belongs, including normal users and abnormal users; and allocating the corresponding first available resource to each user according to the category of each user.

[0011] According to an embodiment of this application, determining a first available resource allocated to a user based on accounting information includes: encrypting the accounting information to obtain first encrypted data; and determining the first available resource allocated to the user based on the first encrypted data.

[0012] A second aspect of this application provides an information processing apparatus, comprising: an invitation sending module for initiating a resource acquisition invitation from a target financial institution to a user through a consumption platform; a first acquisition module for acquiring the user's account binding information on the consumption platform in response to the user accepting the resource acquisition invitation, the account binding information indicating whether the user has bound an account with the target financial institution on the consumption platform; a second acquisition module for acquiring the user's accounting information if the account binding information indicates that the account is bound, the accounting information indicating the user's transaction history data in the target financial institution; and a resource allocation module for determining a first available resource to be allocated to the user based on the accounting information.

[0013] A third aspect of this application provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0014] A fourth aspect of this application also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0015] The fifth aspect of this application also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method.

[0016] The information processing methods, apparatus, devices, media, and program products in this application embodiment acquire and analyze user account binding information on a consumption platform and accounting information at a target financial institution. After identifying the user's account bound to the target financial institution, they accurately match the first available resource using the accounting information, thereby achieving the dual goals of cost reduction and efficiency improvement and user experience optimization. This can solve the problems of low conversion rates and resource waste caused by the blind application of traditional resource distribution methods. Attached Figure Description

[0017] The above-mentioned contents, other objects, features and advantages of this application will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0018] Figure 1 The illustrations depict application scenarios of information processing methods, apparatuses, devices, media, and program products according to embodiments of this application.

[0019] Figure 2 A flowchart illustrating an information processing method according to an embodiment of this application is shown schematically.

[0020] Figure 3 A flowchart illustrating the failure cause analysis according to an embodiment of this application is shown schematically;

[0021] Figure 4 A flowchart illustrating a consumer risk assessment according to an embodiment of this application is shown schematically;

[0022] Figure 5 This schematically illustrates a structural block diagram of an information processing apparatus according to an embodiment of the present application; and

[0023] Figure 6 A block diagram schematically illustrates an electronic device suitable for implementing an information processing method according to an embodiment of this application. Detailed Implementation

[0024] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.

[0025] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0026] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0027] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0028] In the technical solution of this application, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with relevant laws, regulations, and standards, and necessary measures have been taken to ensure that they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0029] In scenarios where personal information is used for automated decision-making, the methods, devices, and systems provided in this application all provide users with corresponding operation entry points for users to choose to agree to or reject the automated decision results; if the user chooses to reject, the process enters the expert decision-making process.

[0030] Figure 1 The illustrations depict application scenarios of information processing methods, apparatuses, devices, media, and program products according to embodiments of this application.

[0031] like Figure 1 As shown, application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0032] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0033] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with displays and support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0034] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0035] It should be noted that the information processing method provided in this application embodiment can generally be executed by server 105. Correspondingly, the information processing device provided in this application embodiment can generally be located in server 105. The information processing method provided in this application embodiment can also be executed by a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105. Correspondingly, the information processing device provided in this application embodiment can also be located in a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105.

[0036] It should be understood that Figure 1The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0037] The following will be based on Figure 1 The described scene, through Figures 2-4 The information processing method according to the embodiments of this application will be described in detail.

[0038] Figure 2 A flowchart illustrating an information processing method according to an embodiment of this application is shown.

[0039] like Figure 2 As shown, the information processing method of this embodiment includes operations S210 to S240.

[0040] When operating S210, an invitation to users to claim resources from a target financial institution is sent through the consumer platform.

[0041] In the embodiments of this application, the resource claim invitation refers to a digital proposal designed by the target financial institution and presented to users through a consumer platform with which it has a cooperative relationship. The core of this proposal is to inform users that they are eligible to receive certain forms of benefits offered by the financial institution, such as coupons, a trial period for specific services, or points. The consumer platform acts as a channel for information dissemination in this process, accurately pushing this invitation to its active user base.

[0042] Operating S210 can be performed as follows: First, it relies on the pre-established technical interface and business cooperation agreement between the consumer platform and the target financial institution. This agreement clearly defines the collaborative framework between the two parties in data transmission, user interface display, and division of responsibilities. Technically, the financial institution sends the designed invitation content elements to the consumer platform system through a dedicated interface. After identifying users who meet preset conditions, such as determining through internal data analysis that the user has not established an account association with the designated financial institution, the consumer platform system renders and displays this invitation content in a specific location within the user interface of its application or website, such as the message center, pop-up window, or activity page. The displayed content typically needs to clearly inform the user that this resource originates from the target financial institution and clearly describe the value of the resource, the conditions for receiving it, and the subsequent processes that may be involved, ensuring that the user makes a decision with relatively transparent information.

[0043] In operation S220, in response to the user accepting the resource claim invitation, the system obtains the user's account binding information on the consumption platform. The account binding information indicates whether the user has bound an account with the target financial institution on the consumption platform.

[0044] In some embodiments, account binding information may be whether the user's payment method settings within the consumption platform include the target financial institution's account as an available payment option; this information only reflects the binding status.

[0045] This operation is triggered after the user explicitly accepts the resource acquisition invitation through clicking, confirming, or other interactive methods. Upon execution, the target financial institution's backend system generates a query request. This request is sent through a pre-established technical channel with the consumer platform, inquiring whether the specific user has currently linked their account with the institution as a payment method. After receiving this legitimate query, the consumer platform's system retrieves the corresponding relationship from its user database and returns the search results (i.e., a "linked" or "not linked" status indicator) to the target financial institution through the original channel. To ensure compliance, this query process is usually accompanied by user identity verification and confirmation of authorization for the query. In operation S230, if the account linking information is already linked, the user's account information is obtained; this account information represents the user's transaction history data with the target financial institution.

[0046] In some embodiments, accounting information can be a collection of all fund changes recorded by a user at a target financial institution due to their account activity. These records are generated by the financial institution in its core business system and detail every transaction event completed through the account, such as income, expenses, and transfers, typically including data fields such as transaction time, counterparty information, amount, and transaction type.

[0047] Once a user's account is confirmed to be linked, the user's identity can be identified first. Based on pre-defined rules, the time frame and data dimensions of the required accounting information can be determined, such as all consumer transaction records from the past six months. Subsequently, all relevant records meeting the criteria can be extracted from the target financial institution's transaction database or data warehouse. This process is entirely completed within the target financial institution's internal secure network and data access control system. The extracted data may undergo preliminary aggregation, classification, or anonymization to form a formatted dataset suitable for subsequent analysis and decision-making.

[0048] In operation S240, the first available resource to be allocated to the user is determined based on the accounting information.

[0049] In some embodiments, the first available resource may be an electronic voucher or credit line prepared by the target financial institution for users with linked accounts, which can be used to redeem goods, enjoy service discounts, or obtain specific benefits. Its specific forms include, but are not limited to, coupons, red envelopes, points, and discount coupons.

[0050] This operation is the core decision-making step. After receiving the formatted accounting information dataset provided by operation S230, the built-in analysis rule engine or model can be invoked to process the dataset. For example, it can calculate the total transaction amount or number of transactions within a specific time period to assess activity, identify frequently occurring merchant types to determine consumption preferences, analyze the distribution of transaction amounts to infer spending power levels, and check for specific patterns such as payment failures and large transfers. These analysis results will be transformed into a series of user characteristic tags. Subsequently, these characteristic tags can be matched with preset resource allocation strategies. Each strategy defines what type, denomination, or quantity of resources should be issued to a user when they meet certain characteristic combinations. After a successful match, the corresponding resources can be locked from the resource pool, a unique redemption code can be generated, or the resources can be directly injected into the user's target financial institution account, and an allocation log can be recorded.

[0051] The information processing method in this embodiment transforms the transaction flow data within the target financial institution into user profiles and behavioral insights, thereby driving personalized resource matching. While avoiding reliance on sensitive external data, it achieves a closed loop from broad invitations to precise policy implementation, improving the efficiency of marketing resource allocation and the user's consumption experience.

[0052] According to an embodiment of this application, determining the reason for a user's non-binding based on transaction information includes: determining the first available resource to be allocated to the user based on accounting information, including: parsing the accounting information to determine the user's transaction records and transaction preferences at the target financial institution; and determining the first available resource to be allocated to the user based on the transaction records and transaction preferences.

[0053] In some embodiments, a transaction record may be a specific record of a single transaction event extracted from accounting information. Transaction preferences may be identified through inductive analysis of a series of transaction records, revealing a regular tendency of users in choosing transaction time, amount, channel, or recipient.

[0054] First, the user's past transaction information can be read and categorized. Through filtering and statistics, a clear, structured list of transaction records is compiled. Then, using pre-defined analysis rules, pattern recognition is performed on these records. This includes operations such as analyzing the transaction frequency of specific types of merchants, calculating the average transaction amount over a fixed time period, and identifying recurring periodic payment behaviors, thereby comprehensively determining the user's transaction preferences. Next, the transaction record characteristics and transaction preference tags obtained from the above analysis can be compared with a pre-defined resource allocation rule library. Each rule defines what type and amount of resources should be allocated when the user meets certain specific conditions. For example, if the user is identified as frequently engaging in cross-border transactions, foreign currency exchange discounts might be matched; or, if the user exhibits a pattern of large-amount spending on fixed dates, increased spending limits might be matched for corresponding time periods.

[0055] The information processing method in this embodiment transforms raw, unprocessed stream data into user characteristics with clear business orientation, thereby driving automated decision-making and improving the efficiency and targeting of resource allocation.

[0056] Figure 3 A flowchart illustrating the failure cause analysis according to an embodiment of this application is shown schematically.

[0057] like Figure 3 As shown, the information processing method of this embodiment includes operations S310 to S330.

[0058] In operation S310, failed transaction information is determined based on accounting information. Failed transaction information represents transaction records where the user failed to pay using the target financial institution's account.

[0059] In some embodiments, failed transaction information may be data records of transaction attempts made by a user within a specific time window that ultimately failed to complete a payment through the account of a target financial institution. These records typically include the time the transaction was initiated, the transaction amount, the recipient information, and the channel through which the transaction attempt was initiated.

[0060] First, a data filter can be performed on the accounting information. The filter is based on the final status field contained in each transaction record, identifying all records whose status fields are marked as failed or unsuccessful. Next, these filtered records can be extracted from the original accounting information, forming a separate subset of data specifically for failed transactions. To improve the efficiency and accuracy of subsequent processing, this subset can be preliminarily formatted, such as standardizing the time format, categorizing payment channels, and extracting key error status codes. Furthermore, the integrity of these failed records can be verified to ensure they contain the basic fields necessary for root cause analysis. After preliminary processing and verification, this structured failed transaction information can be temporarily stored in a designated memory or storage area as direct input data for subsequent operations.

[0061] By operating the S320, the information on failed transactions is analyzed to determine the reasons for the failure.

[0062] In some embodiments, the cause of failure refers to the direct or fundamental factors that cause a payment attempt to ultimately fail. It is a conclusive judgment derived after decoding and further understanding the failed transaction information obtained in operation S310.

[0063] This operation is the core step in analysis and attribution. Upon receiving structured failed transaction information, the error status codes can be read one by one. These error status codes are typically standard codes returned by the payment network, the bank's core system, or front-end channels. The server can have an internally pre-configured or connected cause mapping rule base, which defines the business-understandable failure reason category corresponding to each possible status code. Examples include insufficient available balance in the payment account, transaction amount exceeding the account's single payment limit, temporary failure of the bank system while processing the request, exceeding the limit for consecutive incorrect password entries, and network connection timeout resulting in the request not being delivered. This rule base can be queried to translate the technical status codes into specific business failure reasons. For some complex failure scenarios, additional logs or real-time account status can be queried for a more accurate assessment.

[0064] When operating S330, determine the first available resource to allocate to the user based on the cause of failure.

[0065] In some embodiments, a decision-making process can be initiated based on the list of transaction records with marked failure reasons output by operation S320. The decision-making process relies on a pre-configured resource allocation strategy table, which establishes a correspondence between failure reason types and suggested resource types and parameters. For example, when the failure reason is insufficient account balance, the strategy might allocate a small temporary credit line or cash voucher of a specific value to help the user make up the difference to complete the transaction. If the failure reason is exceeding the transaction limit, the strategy might allocate access to a tutorial page reminding and guiding the user to safely increase their payment limit, or provide an installment payment offer available within the limit. The user's set of failure reasons can be scanned, strategy matching performed for each reason, and the final allocation of one or a set of resources may be determined according to priority rules based on the cumulative effect of multiple failure reasons for the same user.

[0066] The information processing method in this embodiment analyzes the records of user payment failures, thereby more accurately distributing resources that help resolve current payment obstacles, effectively increasing the likelihood of transaction completion, thus improving user experience and maintaining account activity.

[0067] Figure 4 A flowchart illustrating a consumer risk assessment according to an embodiment of this application is shown.

[0068] like Figure 4 As shown, the information processing method of this embodiment includes operations S410 to S430.

[0069] When operating S410, and having obtained authorization to access the user's asset data, the user's asset data is accessed.

[0070] In some embodiments, firstly, upon process triggering, a clear data usage authorization statement can be generated and presented, detailing the scope of data to be acquired, its purpose, and protection measures, and awaiting the user's active confirmation. Upon receiving valid confirmation, secure, access-controlled data query requests can be initiated to multiple relevant business systems within the target financial institution based on the currently verified user identity. These requests will retrieve predefined asset data fields. After each business system returns data, this data from different sources and with varying formats can be standardized, cleaned, and time-aligned. Finally, this processed asset data can be integrated into a structured analytical report.

[0071] When operating the S420, the user's consumption risk level is assessed based on asset data and accounting information.

[0072] In some embodiments, the consumer risk level is a classification indicator derived through comprehensive quantitative analysis, used to assess the potential volatility and uncertainty in a user's subsequent repayment ability and willingness when making consumer payments or using credit resources.

[0073] After receiving standardized asset data and user accounting information from the S410 operating system, the built-in risk assessment rule engine can be invoked. This engine typically operates based on a series of preset, quantifiable risk indicators. These indicators may include: calculating the ratio of liquid assets to average monthly consumption expenditure to assess short-term payment buffer capacity; analyzing the ratio of total liabilities to total assets to measure overall financial status; and checking for frequent near-due payments or small overdraft patterns in the accounting information. By substituting relevant variables from the asset data and accounting information into these indicator formulas, a set of intermediate scores is obtained. These individual scores can then be combined into an overall risk score using a weighted integration algorithm. Finally, this score can be mapped to a predefined risk level range, such as low-risk, medium-risk, and high-risk labels, thereby completing the qualitative classification of the user's consumption risk level.

[0074] When operating S430, the first available resource to be allocated to the user is determined based on the consumption risk level.

[0075] In some embodiments, this operation performs differentiated resource allocation based on risk considerations. A pre-configured risk-adaptive resource strategy table can be queried based on the determined consumption risk level. This risk-adaptive resource strategy table clearly specifies the applicable resource types, credit limits, and additional conditions for user groups with different risk levels. For example, for users assessed as low-risk, the strategy may allow allocation of higher-limit credit prepayment resources, coupons with higher discount rates, or longer interest-free periods. For users with a medium-risk level, the strategy may allocate medium-limit resources with a defined usage period. For users marked as high-risk, the strategy may only allocate small-value instant credit resources or require additional identity verification steps, without providing any credit resources.

[0076] The information processing method in this embodiment, by acquiring and analyzing user asset data and combining it with their dynamic transaction behavior, achieves a more comprehensive and objective assessment of user capabilities and stability. Resource allocation based on this assessment result effectively combines marketing incentives with the risk management principles of financial institutions, thereby optimizing overall resource allocation efficiency and achieving a balance between business growth and risk control.

[0077] According to an embodiment of this application, the information processing method further includes: allocating a second available resource to the user when the account binding information is not bound.

[0078] In some embodiments, the second available resource may be a type of standardized incentive resource pre-set by the target financial institution for users who have not yet linked their accounts to the consumption platform.

[0079] This operation is triggered after determining that the account binding information is in an unbound state. Based on this unbound status, an available instance is locked from the resource pool in the resource policy library, and distributed to the user's account or associated inbox via a technical interface, completing the distribution record. The second available resource can be set to a higher face value, a more favorable discount rate, or more attractive physical benefits compared to the first available resource.

[0080] The information processing method in this embodiment ensures the integrity of the method logic and the consistency of the user experience, enabling all responding users to receive immediate feedback and basic incentives, and avoiding process interruption.

[0081] According to an embodiment of this application, when there are multiple users, determining the first available resource to be allocated to each user based on the accounting information includes: parsing the accounting information of each user among the multiple users to obtain multiple accounting characteristics of each user; classifying each user according to the multiple accounting characteristics of each user to obtain the category to which each user belongs, including normal users and abnormal users; and allocating the corresponding first available resource to each user according to the category of each user.

[0082] In some embodiments, financial characteristics refer to standardized feature indicators extracted through in-depth analysis of user transaction information and accounting data, including dynamic features (such as transaction frequency in the past 30 days, consumption-to-income ratio, and idle funds rate) and static features (such as average account balance level and credit score range). Categories are user groups divided based on multidimensional accounting characteristics using clustering algorithms. Normal users refer to users whose transaction behavior and asset status are within the normal range, while abnormal users refer to users whose transaction patterns are detected as abnormal or whose credit risk is high.

[0083] The operation in this embodiment can be performed according to the following steps: First, noise data is removed and standardized by a data cleaning module for the accounting information to obtain multiple financial characteristics of multiple users. Next, an unsupervised learning algorithm can be used to perform cluster analysis on the financial characteristics of all users, and category boundaries are defined according to preset business rules before assigning category labels to multiple users. For example, samples that deviate from the cluster center and trigger risk control rules can be classified as abnormal users, while the remaining users can be classified as normal users. Finally, a differentiated resource allocation strategy is triggered based on the category labels. For example, normal users can be provided with regularly available resources, while risk control intervention strategies (such as restricting the allocation of specific resources) can be implemented for abnormal users.

[0084] The information processing method in this embodiment achieves refined user segmentation management through automated classification of a large user group, significantly improving operational efficiency and risk control.

[0085] According to an embodiment of this application, determining a first available resource allocated to a user based on accounting information includes: encrypting the accounting information to obtain first encrypted data; and determining the first available resource allocated to the user based on the first encrypted data.

[0086] First, a certified encryption algorithm module can be invoked, and a preset or dynamically generated encryption key can be loaded. Then, the plaintext accounting information data stream to be processed is input into this module. The encryption algorithm performs bit-by-bit transformation operations on the plaintext, generating the corresponding ciphertext sequence, i.e., the first encrypted data. During this process, any details of the original accounting information, such as transaction amounts and times, are completely hidden. Afterwards, the system does not decrypt the ciphertext to read the content; instead, it establishes subsequent resource allocation decision logic based on the ciphertext data or its associated secure computing environment.

[0087] The information processing method in this embodiment uses privacy computing technology to process sensitive data, which can ensure data security and ultimately achieve accurate information processing while fully protecting user privacy.

[0088] Based on the above information processing method, this application also provides an information processing apparatus. The following will be combined with... Figure 5 The device is described in detail.

[0089] Figure 5 A schematic block diagram of an information processing apparatus according to an embodiment of this application is shown.

[0090] like Figure 5 As shown, the information processing device 500 of this embodiment includes an invitation sending module 510, a first acquisition module 520, a second acquisition module 530, and a resource distribution module 540.

[0091] The invitation sending module 510 is used to send resource acquisition invitations from target financial institutions to users through the consumption platform. In one embodiment, the invitation sending module 510 can be used to perform the operation S210 described above, which will not be repeated here.

[0092] The first acquisition module 520 is used to acquire the user's account binding information on the consumption platform in response to the user accepting the resource acquisition invitation. The account binding information indicates whether the user has bound an account with the target financial institution on the consumption platform. In one embodiment, the information acquisition module 520 can be used to perform the operation S220 described above, which will not be repeated here.

[0093] The second acquisition module 530 is used to acquire the user's account information when the account binding information is already bound. The account information represents the user's transaction flow data in the target financial institution. In one embodiment, the cause analysis module 530 can be used to perform the operation S230 described above, which will not be repeated here.

[0094] The resource allocation module 540 is used to determine the first available resource to be allocated to the user based on the accounting information. In one embodiment, the resource allocation module 540 can be used to perform the operation S240 described above, which will not be repeated here.

[0095] According to embodiments of this application, any multiple modules among the invitation sending module 510, the first acquisition module 520, the second acquisition module 530, and the resource distribution module 540 can be merged into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this application, at least one of the invitation sending module 510, the first acquisition module 520, the second acquisition module 530, and the resource distribution module 540 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or implemented in hardware or firmware by any other reasonable means of integrating or packaging the circuitry, or implemented in software, hardware, or firmware, or in any suitable combination of any of these three implementation methods. Alternatively, at least one of the invitation sending module 510, the first acquisition module 520, the second acquisition module 530, and the resource distribution module 540 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0096] Figure 6 A block diagram schematically illustrates an electronic device suitable for implementing an information processing method according to an embodiment of this application.

[0097] like Figure 6 As shown, an electronic device 600 according to an embodiment of this application includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage portion 608 into a random access memory (RAM) 603. The processor 601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 601 may also include onboard memory for caching purposes. The processor 601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this application.

[0098] RAM 603 stores various programs and data required for the operation of electronic device 600. Processor 601, ROM 602, and RAM 603 are interconnected via bus 604. Processor 601 executes various operations of the method flow according to embodiments of this application by executing programs in ROM 602 and / or RAM 603. It should be noted that the programs may also be stored in one or more memories other than ROM 602 and RAM 603. Processor 601 may also execute various operations of the method flow according to embodiments of this application by executing programs stored in said one or more memories.

[0099] According to embodiments of this application, the electronic device 600 may further include an input / output (I / O) interface 605, which is also connected to a bus 604. The electronic device 600 may also include one or more of the following components connected to the input / output (I / O) interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the input / output (I / O) interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 610 as needed so that computer programs read from it can be installed into the storage section 608 as needed.

[0100] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.

[0101] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include ROM 602 and / or RAM 603 and / or one or more memories other than ROM 602 and RAM 603 described above.

[0102] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to enable the computer system to implement the information processing methods provided in the embodiments of this application.

[0103] When the computer program is executed by the processor 601, it performs the functions defined in the system / apparatus of this application embodiment. According to the embodiments of this application, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0104] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and downloaded and installed via the communication section 609, and / or installed from the removable medium 611. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0105] In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 609, and / or installed from the removable medium 611. When the computer program is executed by the processor 601, it performs the functions defined in the system of this application embodiment. According to the embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0106] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0107] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0108] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.

Claims

1. An information processing method, characterized in that, include: Invite users through the consumer platform to claim resources from target financial institutions; In response to the user accepting the resource claim invitation, the system obtains the user's account binding information on the consumption platform, which indicates whether the user has bound an account with a target financial institution on the consumption platform. If the account binding information is already bound, obtain the user's account information, which represents the user's transaction history data in the target financial institution; Based on the accounting information, the first available resource allocated to the user is determined.

2. The method according to claim 1, characterized in that, The step of determining the first available resource allocated to the user based on the accounting information includes: The accounting information is parsed to determine the user's transaction records and transaction preferences at the target financial institution; Based on the transaction records and transaction preferences, the first available resource to be allocated to the user is determined.

3. The method according to claim 1, characterized in that, The step of determining the first available resource allocated to the user based on the accounting information includes: Failed transaction information is determined based on the accounting information, and the failed transaction information represents the transaction record in which the user failed to pay using the account of the target financial institution; The reasons for the failures are determined by analyzing the information on the failed transactions. Based on the cause of failure, determine the first available resource to be allocated to the user.

4. The method according to claim 1, characterized in that, The step of determining the first available resource allocated to the user based on the accounting information includes: With authorization to access the user's asset data, the user's asset data is obtained; Based on the asset data and the accounting information, assess the user's consumption risk level; Based on the consumption risk level, the first available resource is determined for the user.

5. The method according to claim 1, characterized in that, The method further includes: If the account binding information is not bound, a second available resource is allocated to the user.

6. The method according to claim 1, characterized in that, When there are multiple users, determining the first available resource to allocate to each user based on the accounting information includes: The accounting information of each user among multiple users is parsed to obtain multiple accounting characteristics for each user; Based on multiple accounting characteristics of each user, each user is categorized to obtain the category to which each user belongs, and the category includes normal users and abnormal users; Each user is assigned a first available resource based on its category.

7. The method according to claim 1, characterized in that, The step of determining the first available resource allocated to the user based on the accounting information includes: The accounting information is encrypted to obtain the first encrypted data; Based on the first encrypted data, a first available resource is determined for the user.

8. An information processing device, characterized in that, The device includes: The invitation sending module is used to send invitations to users through the consumption platform to receive resources from target financial institutions; The first acquisition module is used to acquire the user's account binding information on the consumption platform in response to the user accepting the resource acquisition invitation. The account binding information indicates whether the user has bound an account of a target financial institution on the consumption platform. The second acquisition module is used to acquire the user's account information when the account binding information is already bound, wherein the account information represents the user's transaction flow data in the target financial institution; The resource allocation module is used to determine the first available resource to be allocated to the user based on the accounting information.

9. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

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