Credit score conversion method and system based on cloud service architecture

Abstract

The application relates to the technical field of integral conversion, and provides a credit integral conversion method and system based on a cloud service architecture. The method comprises the following steps: based on a management end, acquiring a user identity and a current integral; acquiring a user historical use record according to the user identity, and determining a user credit integral according to the historical use record, wherein the historical use record comprises a historical exchange record; constructing a push strategy updating model, reading a current push exchange interface, updating the push exchange interface according to the user credit integral, the current integral, the historical exchange record and a push strategy; acquiring a user selection request according to the push exchange interface; and based on a user end, performing exchange according to the user selection request. The application solves the technical problem of slow exchange information transmission rate in the prior art, and achieves the technical effects of effective exchange information processing and interface updating.

Description

Technical Field

[0001] This application relates to the field of credit score conversion technology, and in particular to a credit score conversion method and system based on a cloud service architecture. Background Technology

[0002] Based on the user's request, redemption is processed. Cloud services are based on the provision of dynamic, scalable, and often virtualized resources via the internet, enabling the addition, use, and interaction of related services. Currently, credit score conversion is slow, resulting in delayed item redemption and instances of empty inventory.

[0003] In summary, the application solves the technical problem of slow information transmission rate in the prior art, and achieves the technical effect of effective processing and interface updating of exchange information. Summary of the Invention

[0004] Therefore, it is necessary to provide a credit score conversion method and system based on a cloud service architecture that can effectively process and update exchange information and interfaces, addressing the aforementioned technical issues.

[0005] Firstly, this application provides a credit score conversion method based on a cloud service architecture. The method includes: obtaining a user's identity identifier and current points on the management end; obtaining the user's historical usage records based on the user's identity identifier, and determining the user's credit score based on the historical usage records, wherein the historical usage records include historical redemption records; constructing a push strategy update model, reading the current push redemption interface, training the push strategy update model based on the user's credit score, the current points, the historical redemption records, and the push strategy as input data, and outputting an updated push redemption interface; obtaining a user selection request based on the push redemption interface; and performing redemption based on the user's selection request on the user end.

[0006] Secondly, this application provides a credit score conversion system based on a cloud service architecture. The system includes: a user identity acquisition module, used to acquire a user's identity identifier and current points from a management terminal; a user credit score determination module, used to acquire the user's historical usage records based on the user identity identifier and determine the user's credit score based on the historical usage records, wherein the historical usage records include historical redemption records; a push redemption interface update module, used to construct a push strategy update model, read the current push redemption interface, train the push strategy update model using the user's credit score, current points, historical redemption records, and push strategy as input data, and output an updated push redemption interface; a user selection request acquisition module, used to acquire a user selection request from the push redemption interface; and a selection request redemption module, used to perform redemption based on the user's selection request from a user terminal.

[0007] One or more technical solutions provided in this application have at least the following technical effects or advantages: First, based on the management end, the user's identity identifier and current points are obtained; second, the user's historical usage records are obtained based on the user's identity identifier, and the user's credit score is determined based on the historical usage records, wherein the historical usage records include historical redemption records; then, the current push redemption interface is read, and the push redemption interface is updated based on the user's credit score, the current points, the historical redemption records, and the push strategy; then, the user's selection request is obtained based on the push redemption interface; finally, based on the user end, the redemption is performed according to the user's selection request. This application solves the technical problem of slow redemption information transmission rate in the prior art, and achieves the technical effects of effective processing and interface updating of redemption information.

[0008] The above description is only an overview of the technical solution of this application. In order to better understand the technical means of this application and to implement it in accordance with the contents of the specification, and to make the above and other objects, features and advantages of this application more obvious and understandable, the following are specific embodiments of this application. Attached Figure Description

[0009] Figure 1 This is a flowchart illustrating a credit score conversion method based on a cloud service architecture in one embodiment.

[0010] Figure 2 This is a schematic diagram of the current score retrieval process in a credit score conversion method based on a cloud service architecture in one embodiment.

[0011] Figure 3 This is a structural block diagram of a credit score conversion system based on a cloud service architecture in one embodiment.

[0012] Figure labeling: User identity acquisition module 11, User credit score determination module 12, Push redemption interface update module 13, User selection request acquisition module 14, Selection request redemption module 15. Detailed Implementation

[0013] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0014] like Figure 1 As shown, this application provides a credit score conversion method based on a cloud service architecture, the method comprising:

[0015] Based on the management interface, obtain the user's identity and current points;

[0016] Cloud service architecture typically consists of an infrastructure layer, a platform layer, software development tools, and management and monitoring tools, forming a complete ecosystem that provides a one-stop service from infrastructure to application development, deployment, and management. Through cloud service architecture, enterprises can quickly build and manage applications, reducing costs and improving efficiency. The first step is collecting user credit data. This data may come from multiple sources, such as banks, credit card companies, and online payment platforms. Cloud service architecture allows for the real-time collection and integration of data from various data sources; the collected data may contain errors, duplicates, or inconsistent formats, thus requiring data cleaning and standardization. The credit score conversion methods of cloud service architecture provide an efficient, flexible, and secure way to process and transform credit data.

[0017] Operators log in to the management system by entering their username and password for authentication. After successful login, they can access the user management interface, which displays information for all users in the system. In this interface, operators can search and filter to find and select target users. The management system then displays the user's identification information, such as username, mobile phone number, and email address. The user management interface typically includes a points management function, allowing operators to query the selected user's current points. The system retrieves and displays the corresponding points data based on the user's identification information. This allows the management system to effectively obtain user identification and current points, providing foundational information for further data processing and analysis. Simultaneously, to ensure data security and privacy protection, the management system should implement appropriate security measures, such as authentication, access control, and data encryption.

[0018] like Figure 2As shown, the system identifies the user's physical characteristics and obtains the user's identity.

[0019] Read the user's input identity information and verify the user's identity.

[0020] The current points are retrieved based on the user's identity identifier.

[0021] When a user approaches or touches the management system's body feature recognition device, such as a biometric scanner or camera, the device captures the user's body feature information, such as fingerprints, iris scans, and facial features. The management system compares the captured body feature information with pre-stored data to determine the user's identity. Upon identifying the user's body feature information, the management system automatically associates it with a corresponding identity identifier, such as a username or ID number. The system stores this identity identifier information in memory or a database for later use. The management system prompts the user to enter their identity information, such as a username, password, or other authentication information. The user enters the corresponding identity information as prompted by the system. The management system compares the entered identity information with the identity data stored in the system. The system verifies whether the entered identity information matches the stored data to confirm the user's true identity. If the verification is successful, the management system retrieves the corresponding current points from the database based on the user's identity identifier and displays or returns the user's current points to the user or operator. This process involves the management system recognizing the user's body feature information, verifying their identity, and obtaining their current points. By combining biometric technology with the user's input identity information, the security and accuracy of user identity can be ensured, while also providing services such as points inquiry.

[0022] Historical points are obtained based on the user's identity identifier;

[0023] The newly added points are determined based on the user's historical usage records;

[0024] The current score is obtained by combining the historical score and the newly added score.

[0025] The management system retrieves a user's historical points records from the database based on their identity identifier, such as username or ID number. The database returns historical points data matching the identifier, including points change records and timestamps. The management system analyzes the user's historical usage records, such as spending and activity participation. Based on these records and relevant rules, the system calculates the amount or weight of newly added points. This may involve calculations based on spending amount, activity participation, and product usage frequency. The management system merges historical points with newly added points to calculate the user's current points. According to the set points calculation rules, the system adds historical points to newly added points or adjusts them proportionally to arrive at the final current points value. The management system stores the updated current points value in the database and marks it as the latest status. Users or operators can view or query the updated current points value in real time to understand their points status and changes. This approach, which allows the management system to retrieve historical points based on user identity, determine newly added points based on historical usage records, and combine both to obtain the current points, ensures the accuracy and real-time nature of points management, providing users with a more reliable and timely points management service. At the same time, the management system needs to maintain the integrity and consistency of the data, and update and process changes in user points in a timely manner to ensure the accuracy and reliability of the data.

[0026] The user's historical usage records are obtained based on the user's identity identifier, and the user's credit score is determined based on the historical usage records, wherein the historical usage records include historical redemption records;

[0027] The management system retrieves a user's historical usage records from the database based on their identity identifier, such as username or ID number. The database returns historical usage data matching the identity identifier, including redemption records, consumption records, and activity participation records. The management system analyzes these historical records, including historical redemption records, consumption behavior, and activity participation. Based on the established credit score calculation rules and historical usage records, the system calculates the user's credit score. This may involve analyzing historical redemption records to determine user loyalty and redemption frequency; evaluating consumption behavior to determine user spending power and habits; and considering activity participation to understand user activity and engagement. The system associates the calculated credit score with the user's identity identifier and stores it in the database. The management system displays the updated credit score in real time on the user's management interface. Users or operators can view their credit score and understand their credit status and changes. Because the management system can retrieve a user's historical usage records based on their identity identifier and determine the user's credit score based on these records, this approach helps assess the user's credit status and loyalty, providing a basis for further user management, marketing strategy development, and personalized services. At the same time, the management system needs to maintain the integrity and consistency of the data, and update and process changes in user credit scores in a timely manner to ensure the accuracy and reliability of the data.

[0028] Construct a push strategy update model, read the current push redemption interface, and train the push strategy update model based on the user credit score, the current points, the historical redemption records and the push strategy as input data, and output an updated push redemption interface;

[0029] Collect relevant data such as user credit scores, current points, historical redemption records, and push notification strategies. Ensure data quality and integrity, and perform necessary preprocessing, such as data cleaning and format conversion. Based on business needs and data characteristics, extract and engineer features from the input data to better train the model. For example, features such as user credit score levels, redemption frequency in historical redemption records, and point increases / decreases can be extracted. Train the selected model using the prepared input data. Adjust model parameters and optimize model performance so that the model can predict appropriate push notification redemption interfaces based on factors such as user credit scores, current points, historical redemption records, and push notification strategies. Evaluate the trained model using test data, calculating metrics such as accuracy, recall, and F1 score to assess model performance.

[0030] The management system acquires the content of the redemption interface currently displayed to the user, including its status, content, and redemption recommendations. Based on the user's credit score, current points, and historical redemption records, it assesses the user's redemption ability and past behavior. Using the user's credit score and current points, the system calculates recommended redemption goods or services. This may include high-point redemptions, high-value items, and items the user prefers. Combining historical redemption records and push strategies, the system adjusts or optimizes the recommended content to more accurately meet user needs. The management system updates the interface, displaying the optimized redemption recommendations to the user. This may include updating the product list, adjusting the recommendation order, and adding personalized recommendations. The management system sends the updated redemption interface to the front-end display device or user terminal. The user sees the updated redemption interface on their front-end device, which includes recommended goods or services based on their credit score, current points, and historical redemption records. The management system can update and push the redemption interface in real time based on user data such as credit score, current points, and historical redemption records, providing users with more personalized and accurate redemption recommendations. This helps improve user satisfaction and loyalty, while also promoting redemption activities and the use of points.

[0031] Obtain user characteristics based on the user identity identifier;

[0032] The push rate of the push redemption interface is adjusted according to the user's credit score;

[0033] The push priority for updating product points attributes based on the current points;

[0034] The association priority of product attributes is determined based on the user characteristics and the historical redemption records;

[0035] The input data for the push strategy update model is determined by combining the push rate of the push redemption interface, the push priority of the product points attribute, and the association priority of the product attribute.

[0036] By leveraging user identification, the system retrieves associated user characteristics from the database, including age, gender, geographic location, occupation, and interests. Based on user credit scores, the system dynamically adjusts the push notification rate to the redemption interface. Users with higher credit scores receive a faster push notification rate, offering more redemption options and discounts; users with lower credit scores receive a slower push notification rate to minimize unnecessary disruption and provide more credit-building suggestions. The system updates the push priority of product point attributes based on the user's current points. Higher points prioritize high-point products or services, while lower points prioritize low-point or free redemption products or services. Analyzing user characteristics and historical redemption records identifies product attributes highly correlated with these characteristics and records. For example, if history shows a user prefers redeeming electronics, electronics should have a higher correlation priority. Combining the adjusted push notification rate, updated product point attribute priorities, and determined product attribute correlation priorities generates or updates the input data for the push strategy update model. This allows for more precise determination of personalized push strategies for each user, improving user satisfaction and redemption rates. At the same time, it also helps to build and maintain user trust and enhance brand loyalty.

[0037] Read user settings information and obtain user location information;

[0038] Based on the user's location information, obtain the redemption inventory and adjust the push redemption interface;

[0039] Obtaining time information via the Internet;

[0040] The probability of a transaction is generated based on the time information, and the push exchange interface is adjusted accordingly.

[0041] The management system prompts the user to input or select settings, such as language preferences and display settings. The user follows the system prompts to input or select settings. The management system obtains the user's geographic location information via GPS, Wi-Fi fingerprint, or other positioning technologies. The system associates this location information with the user's identity and stores it in a database. Based on the user's location information, the system queries the database to obtain the redemption inventory related to that location. Based on the redemption inventory at the user's location, the system analyzes available goods or services and determines corresponding redemption recommendations. Based on the user's location information and inventory status, the system dynamically adjusts the content of the redemption interface, updating the interface to reflect available goods or services related to the user's location and corresponding redemption recommendations. The management system communicates with an external time server via the internet to obtain the current time information. The system associates this time information with the user's identity and stores it in a database. Based on the current time and the user's historical redemption records, the system analyzes and generates the probability of transaction completion, considering the impact of time factors (such as working hours, holidays, etc.) on the probability of transaction completion to more accurately predict the user's redemption intentions and behaviors. Based on the probability of a transaction, the system dynamically adjusts the content and recommendation priority of the push notification redemption interface, updating the interface to reflect high-probability transaction goods or services at the current time, thereby increasing users' redemption willingness and conversion rate. The management system can dynamically adjust the push notification redemption interface based on multi-dimensional data such as user settings, location, and time information, providing users with more accurate and personalized redemption recommendations. This helps improve user satisfaction and loyalty, promotes redemption activities, and ensures the effective use of points. Simultaneously, the management system needs to maintain the real-time nature and accuracy of the data to ensure the effectiveness and reliability of the push notification interface.

[0042] Obtain the user's selection request based on the aforementioned push redemption interface;

[0043] The management system sends the updated push redemption interface to the front-end display device or user terminal. Users see a personalized redemption recommendation list on their front-end devices. When a user sees the push redemption interface, the system waits for the user's selection or request. When the user selects, clicks, or performs other actions on a product or service, the system captures the user's selection request, associates it with the user's identity, and records it in the database. Because the management system can capture user redemption selection requests and process and update the interface accordingly, it ensures the timeliness and accuracy of user selections, improving the efficiency of the redemption process and the user experience.

[0044] Based on the user's request, the redemption is carried out.

[0045] The client-side system receives and captures redemption requests from users. Users select the desired goods or services through their front-end devices or interfaces and submit their selection requests. The client-side system verifies the user's identity, confirming the user's validity and permissions. By verifying the user's identity, the system ensures that only legitimate users can perform redemption operations. The client-side system checks the redemption conditions of the selected goods or services, such as point requirements and inventory status. Based on the redemption conditions, the system determines whether the user meets the redemption eligibility and decides whether to allow the redemption. If the user meets the redemption conditions, the system begins to execute the corresponding redemption logic. The system deducts the required points from the user's account or performs other necessary operations, and updates the inventory information to reflect the redeemed goods or services. The client-side redemption process can process and update the interface accordingly based on the user's actual selection requests. This ensures the accuracy and timeliness of user redemptions, improving user experience and satisfaction. At the same time, the client-side system needs to ensure the real-time nature and consistency of data, ensuring the effective processing of user selection requests and accurate interface updates.

[0046] Based on the user's selection request, generate redemption information;

[0047] Based on the management sub-terminal, the redemption of the information to be redeemed is performed according to the information to be redeemed, and redemption information is generated.

[0048] After the client-side system captures a user's redemption request, it generates corresponding redemption information based on the specific product or service selected by the user. This redemption information includes necessary information such as the user's identity identifier, the selected product or service, and the required points or conditions. The client-side system sends this redemption information to the management sub-end for processing. The redemption information sent should contain sufficient information for the management sub-end to identify and process the user's redemption request. Upon receiving the redemption information, the management sub-end verifies the user's identity and permissions. It checks whether the user meets the redemption conditions, such as whether they have enough points and the product's inventory status. If the user meets the conditions, the management sub-end executes the corresponding redemption logic, such as deducting the user's points or updating the inventory. The management sub-end returns the execution result and the generated redemption information to the client-side system. The management sub-end generates corresponding redemption information based on the user's actual redemption result. This redemption information should contain sufficient information, such as the user's identity identifier, the redeemed product or service, and the redemption result status. The management sub-end stores the generated redemption information in a database for subsequent querying and display. Based on the collaborative operation of the user terminal and the management terminal, the system can generate redemption information according to the user's actual selection request, execute the corresponding redemption operation on the management terminal, and finally generate redemption information and update the interface. This ensures the accuracy and timeliness of user redemption, improving user experience and satisfaction. Simultaneously, each terminal system needs to guarantee the real-time nature and consistency of data, ensuring the effective processing of redemption information and the updated interface. This application solves the technical problem of slow redemption information transmission rate in existing technologies, achieving the technical effect of effective processing of redemption information and the updated interface.

[0049] like Figure 3 As shown, a credit score conversion system based on a cloud service architecture includes:

[0050] User identity acquisition module 11, the user identity acquisition module 11 is used to acquire user identity identifier and current points based on the management terminal;

[0051] User credit score determination module 12, the user credit score determination module 12 is used to obtain the user's historical usage records according to the user identity identifier, and determine the user credit score according to the historical usage records, wherein the historical usage records include historical redemption records;

[0052] The push redemption interface update module 13 is used to construct a push strategy update model, read the current push redemption interface, and train the push strategy update model based on the user credit score, the current points, the historical redemption records and the push strategy as input data, and output an updated push redemption interface.

[0053] User selection request acquisition module 14, the user selection request acquisition module 14 is used to acquire user selection requests based on the push redemption interface;

[0054] The selection request redemption module 15 is used to perform redemption based on the user's selection request on the user's end.

[0055] Furthermore, embodiments of this application also include:

[0056] User identification module, the user identification module is used to identify the user's physical characteristic information and obtain the user identification;

[0057] The user identity verification module is used to read the identity information input by the user and verify the user's identity.

[0058] The current points retrieval module is used to retrieve the current points based on the user's identity identifier.

[0059] Furthermore, embodiments of this application also include:

[0060] A historical points acquisition module, which is used to acquire historical points based on the user identity identifier;

[0061] A new points determination module is added, which is used to determine new points based on the user's historical usage records.

[0062] The current points acquisition module is used to acquire the current points by combining the historical points and the newly added points.

[0063] Furthermore, embodiments of this application also include:

[0064] User characteristic acquisition module, the user characteristic acquisition module is used to acquire user characteristics based on the user identity identifier;

[0065] A push rate adjustment module is used to adjust the push rate of the push redemption interface according to the user's credit score.

[0066] A push priority update module is used to update the push priority of the product points attribute based on the current points.

[0067] The association priority determination module is used to determine the association priority of product attributes based on the user characteristics and the historical redemption records.

[0068] The push redemption interface determination module is used to determine the input data of the push strategy update model by combining the push rate of the push redemption interface, the push priority of the product points attribute, and the association priority of the product attribute.

[0069] Furthermore, embodiments of this application also include:

[0070] The user location information acquisition module is used to read user settings information and acquire user location information.

[0071] A push-to-redeem interface adjustment module is used to obtain the redemption inventory based on the user's location information and adjust the push-to-redeem interface.

[0072] An Internet time information acquisition module, wherein the Internet time information acquisition module is used to acquire time information based on the Internet;

[0073] The push exchange interface adjustment module generates the transaction success probability based on the time information and adjusts the push exchange interface accordingly.

[0074] Furthermore, embodiments of this application also include:

[0075] A redemption information generation module is used to generate redemption information based on the user's selection request.

[0076] The redemption information generation module is used to generate redemption information based on the redemption information according to the redemption information on the management sub-terminal.

[0077] For specific embodiments of the credit score conversion system based on a cloud service architecture, please refer to the embodiments of the credit score conversion method based on a cloud service architecture described above, which will not be repeated here. The above modules can be embedded in hardware or independent of the processor in a computer device, or stored in software in the memory of a computer device, so that the processor can call and execute the operations corresponding to each module.

[0078] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0079] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the invention patent. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this patent application should be determined by the appended claims.

Claims

1. A credit score conversion method based on a cloud service architecture, characterized in that, The method includes: Based on the management interface, obtain the user's identity and current points; The user's historical usage records are obtained based on the user's identity identifier, and the user's credit score is determined based on the historical usage records, wherein the historical usage records include historical redemption records; Construct a push strategy update model, read the current push redemption interface, and train the push strategy update model based on the user credit score, the current points, the historical redemption records and the push strategy as input data, and output an updated push redemption interface; Obtain the user's selection request based on the aforementioned push redemption interface; Based on the user's request, the redemption is carried out.

2. The method as described in claim 1, characterized in that, Obtain user identification and current points, including: Identify user's physical characteristics and obtain user identification; Read the user's input identity information and verify the user's identity. The current points are retrieved based on the user's identity identifier.

3. The method as described in claim 2, characterized in that, Retrieving the current points based on the user's identity identifier includes: Historical points are obtained based on the user's identity identifier; The newly added points are determined based on the user's historical usage records; The current score is obtained by combining the historical score and the newly added score.

4. The method as described in claim 1, characterized in that, The user's credit score, current points, historical redemption records, and push notification strategy are used as input data, including: Obtain user characteristics based on the user identity identifier; The push rate of the push redemption interface is adjusted according to the user's credit score; The push priority for updating product points attributes based on the current points; The association priority of product attributes is determined based on the user characteristics and the historical redemption records; The input data for the push strategy update model is determined by combining the push rate of the push redemption interface, the push priority of the product points attribute, and the association priority of the product attribute.

5. The method as described in claim 1, characterized in that, The method further includes: Read user settings information and obtain user location information; Based on the user's location information, obtain the redemption inventory and adjust the push redemption interface; Obtaining time information via the Internet; The probability of a transaction is generated based on the time information, and the push exchange interface is adjusted accordingly.

6. The method as described in claim 1, characterized in that, The method further includes: Based on the user's selection request, generate redemption information; Based on the management sub-terminal, the redemption of the information to be redeemed is performed according to the information to be redeemed, and redemption information is generated.

7. A credit score conversion system based on a cloud service architecture, characterized in that, The system includes: The user identity acquisition module is used to acquire the user's identity identifier and current points based on the management terminal. The user credit score determination module is used to obtain the user's historical usage records based on the user's identity identifier, and determine the user's credit score based on the historical usage records, wherein the historical usage records include historical redemption records. The push redemption interface update module is used to construct a push strategy update model, read the current push redemption interface, and train the push strategy update model based on the user credit score, the current points, the historical redemption records and the push strategy as input data, and output an updated push redemption interface. The user selection request acquisition module is used to acquire user selection requests based on the push redemption interface. The selection request redemption module is used to perform redemption based on the user's selection request on the user's end.

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