CN109447780A - Information push method, device, computer equipment and storage medium - Google Patents
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/50—Network services
- H04L67/55—Push-based network services
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Abstract
This application involves a kind of information push method, device, computer equipment and storage mediums.The described method includes: obtaining the open identity of user in immediate communication platform, user information is obtained from immediate communication platform according to open identity；According to user information, query traffic data library obtains the business datum of user, the pre- accrediting amount of user is obtained according to business datum, by the preservation corresponding with open identity of the pre- accrediting amount, according to open identity and pre-set message template, the request of building template message is sent to immediate communication platform, receives the template message that immediate communication platform is constructed according to message template, include the pre- accrediting amount of user in template message, the template message is pushed to user.It can be by the message active push comprising pre- credit to user using this method.
Description
Technical field
This application involves field of computer technology, more particularly to a kind of information push method, device, computer equipment and
Storage medium.
Background technique
Credit, is standing and economic situation according to borrower, authorize one periodically limit in loan limit.The mistake of credit
Journey is complicated, can comprehensively consider the information of user's various aspects, then provides its credit line, and user can be according to credit line to awarding
Believe that bank proposes loan.In general, advertisement is promoted in credit can be sent in each channel, user clicks channel advertisement, fills in
After relevant information, pre- credit or user are provided it should be understood that the accrediting amount of itself, can actively obtain to the request of credit bank
Take the accrediting amount.However this credit mode, it needs user actively to trigger, so that pre- credit is promoted difficulty big.
Summary of the invention
Based on this, it is necessary to which in view of the above technical problems, providing a kind of message that is able to solve can not active push problem
Information push method, device, computer equipment and storage medium.
A kind of information push method, which comprises
Obtain immediate communication platform in user open identity, according to the open identity from it is described i.e.
When communication platform in obtain user information；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
Mark is corresponding to be saved；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message；
Receive the template message that the immediate communication platform is constructed according to the message template；Include in the template message
The pre- accrediting amount of user；
The template message is pushed to user.
In one of the embodiments, further include: obtain the pre- credit model pre-established；The business datum is inputted
In the pre- credit model, the pre- accrediting amount of user is obtained.
The business datum includes in one of the embodiments: declaration form business datum, credit card business data and borrowing
Remember card business data；Further include: according to the declaration form business datum, generate the first pre- credit submodel；According to the credit card
Business datum generates the second pre- credit submodel；According to the debit card business datum, the pre- credit submodel of third is generated；Root
Pre- credit is generated according to the described first pre- credit submodel, the second pre- credit submodel and the pre- credit submodel of the third
Model.
User information includes: address name, customer mobile terminal number and user identity in one of the embodiments,
Card number；Further include: according to the user information, match the business datum in service database；If the business in service database
It include any of address name, customer mobile terminal number and the user identity card number in user information in data, then
Business datum in the service database is the business datum of user.
In one of the embodiments, further include: according to the open identity, uniform resource locator is set；
According to the uniform resource locator and pre-set message template, Xiang Suoshu immediate communication platform sends building template message
Request.
In one of the embodiments, further include: by the pre- accrediting amount, the user information and described open
Identity is corresponding to be saved；Method further include: if user triggers the template message, the uniform resource locator is parsed,
Obtain the page of the open identity and accessing united resource positioning symbol；According to the open identity, obtain
The pre- accrediting amount；Pre-set loan product list is inquired according to the pre- accrediting amount, obtains the pre- accrediting amount pair
The loan product answered；The subpage frame of the page of the uniform resource locator is rendered, the subpage frame is the loan product
Apply for the page.
In one of the embodiments, further include: according to the open identity, obtain the user information；It will
The user information is filled to the corresponding position of the application page of the loan product.
A kind of message driving means, described device include:
Data obtaining module, for obtaining the open identity of user in immediate communication platform, according to the opening
Formula identity obtains user information from the immediate communication platform；
Pre- credit module, for according to the user information, query traffic data library to obtain the business datum of user；According to
The business datum obtains the pre- accrediting amount of user；It protects the pre- accrediting amount is corresponding with the open identity
It deposits；
Pushing module, for according to the open identity and pre-set message template, to it is described immediately
Communication platform sends the request of building template message；Receive the template that the immediate communication platform is constructed according to the message template
Message；It include the pre- accrediting amount of user in the template message；The template message is sent to user.
A kind of computer equipment, including memory and processor, the memory are stored with computer program, the processing
Device performs the steps of when executing the computer program
Obtain immediate communication platform in user open identity, according to the open identity from it is described i.e.
When communication platform in obtain user information；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
Mark is corresponding to be saved；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message；
Receive the template message that the immediate communication platform is constructed according to the message template；Include in the template message
The pre- accrediting amount of user；
The template message is pushed to user.
A kind of computer readable storage medium, is stored thereon with computer program, and the computer program is held by processor
It is performed the steps of when row
Obtain immediate communication platform in user open identity, according to the open identity from it is described i.e.
When communication platform in obtain user information；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
Mark is corresponding to be saved；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message；
Receive the template message that the immediate communication platform is constructed according to the message template；Include in the template message
The pre- accrediting amount of user；
The template message is pushed to user.
Above-mentioned information push method, device, computer equipment and storage medium, by obtaining user in immediate communication platform
Open identity, user information is obtained from immediate communication platform according to open identity, utilizes user information
Query traffic data library obtains the business datum of user, is then analyzed business datum to obtain the pre- accrediting amount of user,
At this point, saving the corresponding pre- accrediting amount of each open identity in server, open identity is set in the server
Mark and message template request building template message to immediate communication platform with this, and template message is pushed to use by server
Family.The embodiment of the present invention realizes the master to message in conjunction with the database in server by the open identity of user
Dynamic push.
Detailed description of the invention
Fig. 1 is the application scenario diagram of information push method in one embodiment；
Fig. 2 is the flow diagram of information push method in one embodiment；
Fig. 3 is the flow diagram of information push method in another embodiment；
Fig. 4 is the flow diagram that template message step is constructed in one embodiment；
Fig. 5 is the structural block diagram of message driving means in one embodiment；
Fig. 6 is the internal structure chart of computer equipment in one embodiment.
Specific embodiment
It is with reference to the accompanying drawings and embodiments, right in order to which the objects, technical solutions and advantages of the application are more clearly understood
The application is further elaborated.It should be appreciated that specific embodiment described herein is only used to explain the application, not
For limiting the application.
Information push method provided by the present application can be applied in application environment as shown in Figure 1.Wherein, server
102 are communicated with the Platform Server 104 of immediate communication platform by network, install immediate communication platform in terminal 106, with
This access Platform Server 104.Wherein, terminal 106 can be, but not limited to be various personal computers, laptop, intelligence
Mobile phone, tablet computer and portable wearable device, server 102 can use independent server either multiple server groups
At server cluster realize that immediate communication platform 104 can be wechat, QQ, MSN etc..
Further, immediate communication platform may operate in the terminals such as server 104 and mobile phone, plate, server
Immediate communication platform is run on 102, developer's account can be registered in immediate communication platform, operation instant messaging is flat in terminal
When platform, common account can be registered in immediate communication platform.Developer's account can provide service for regular account.It is providing
It take Platform Server 104 as the intermediate link of data transmission when service.
Further, when needing to push template message to terminal, server 102 obtains the open identity of common account
Mark generates template message, then server 102 to formulate content and selection message template in Platform Server 104
Template message is sent to common account.
It further, include well multiple databases in server 102, database includes: service database, server 102
The business datum in service database can be called.Specifically, server 102 is after the user information for receiving common account,
The business datum in service database can be called, therefrom to screen the corresponding business datum of user information.To business datum into
Row analysis, available user information correspond to the pre- accrediting amount of common account, by template message, are getting user information
Afterwards, the pre- accrediting amount can be pushed to by template message by ordinary user by template message.
In one embodiment, as shown in Fig. 2, providing a kind of information push method, it is applied in Fig. 1 in this way
It is illustrated for server, comprising the following steps:
Step 202, the open identity for obtaining user in immediate communication platform, according to open identity from i.e.
When communication platform in obtain user information.
Open identity (OpenID) can be used to carry out authentication to user to adopt in immediate communication platform
It is identified with identity uniqueness of the open identity to common account, in the common account of user's registration, generates and correspond to
In unique open identity of its identity.
Further, user needs to fill in the information such as name in immediate communication platform, this portion when registering common account
Dividing information is user information, and is stored in Platform Server.When regular account pays close attention to developer's account, Platform Server is to general
The open identity of logical account is authenticated, and open identity and identity information are sent to server.
Step 204, according to user information, query traffic data library obtains the business datum of user, is obtained according to business datum
To the pre- accrediting amount of user, save the pre- accrediting amount is corresponding with the open identity.
A large amount of business datum is stored in service database, business datum is the industry by handling in capturing service system
Business record generates, therefore includes the information of user in business datum.Then by carrying out user information and user information
Matching, can obtain the business datum of user from service database.
The pre- accrediting amount is by being analyzed to obtain to business datum, and the pre- accrediting amount is similar to the scoring of user, root
According to the difference of scoring, different permissions can be obtained accordingly.In order to facilitate inquiry, in the server by open identity
It is corresponding with the pre- accrediting amount to save.
Step 206, according to open identity and pre-set message template, structure is sent to immediate communication platform
Build the request of template message；Receive the template message that immediate communication platform is constructed according to message template.
When constructing template message, the sending object of specified template message is needed, therefore, according to open identity,
Template message can be sent to specified user.It followed by needs to select suitable message template, due to immediate communication platform
In provide a variety of message templates that can choose, therefore only need the number of specified message template, so that it may generate corresponding
Template message.
In addition, needing to be filled message template after selection message template, pre- accrediting amount etc. can be filled
Into message template, in addition, other contents can be added according to the scene of template, template message is generated with this.
Step 208, template message is pushed to user.
After generating template message, can show the template message in the display interface of terminal, user also it is available oneself
Pre- credit situation.
In above-mentioned information push method, by obtaining the open identity of user in immediate communication platform, according to opening
It puts formula identity and obtains user information from immediate communication platform, obtain user's using user information query traffic data library
Then business datum analyzes business datum to obtain the pre- accrediting amount of user, at this point, saving each opening in server
The corresponding pre- accrediting amount of formula identity, is arranged open identity and message template in the server, with this to i.e.
When communication platform request building template message, template message is pushed to user by server.The embodiment of the present invention passes through user's
Open identity realizes the active push to message in conjunction with the database in server.
In one embodiment, as shown in figure 3, providing the schematic flow chart of another information push method, specific steps
It is as follows:
Step 302, the open identity for obtaining user in immediate communication platform, according to open identity from i.e.
When communication platform in obtain user information.
Step 304, according to user information, query traffic data library obtains the business datum of user, obtains and pre-establishes
Pre- credit model inputs business datum in pre- credit model, obtains the pre- accrediting amount of user.
Step 306, according to open identity and pre-set message template, structure is sent to immediate communication platform
The request of template message is built, the template message that immediate communication platform is constructed according to message template is received, includes use in template message
The pre- accrediting amount at family.
Step 308, template message is pushed to user.
The embodiment of the present invention can be obtained rapidly by pre-set pre- credit model when inquiring business datum
The pre- accrediting amount of user guarantees the timeliness of message push.
It, in one embodiment, can be in developer's account of the common account request binding server of user for step 302
Number when, immediate communication platform can get the open identity of user, and open identity is then forwarded to service
Device, server request to obtain the user information of user to immediate communication platform.
Further, immediate communication platform is wechat, and common account is common wechat account, and developer's account is wechat clothes
Business number, when user pays close attention to the wechat service number of server using immediate communication platform, the available user's of immediate communication platform
Open identity.
For step 304, in one embodiment, business datum includes: declaration form business datum, credit card business data and
Debit card business datum.Declaration form business datum can be obtained from insurance business system, obtain credit card from credit card business system
Business datum obtains debit card business datum from debit card operation system.By declaration form business datum, credit card business data and
Debit card business datum is stored in service database.
Further, declaration form business datum is analyzed, such as includes price and the time limit in declaration form business datum, with this
Generate the first pre- credit submodel.
It is carried out specifically, the first pre- credit submodel can be declaration form price/time limit value in every declaration form business datum
Cumulative, then which numerical intervals is the cumulative obtained value of judgement fall in, and the corresponding pre- accrediting amount of numerical intervals is first pre-
The output valve of credit submodel.Such as: cumulative obtained value is 3000, and the 3000 corresponding pre- accrediting amounts are 50000, then the
One pre- credit submodel output valve is 50000.
Further, credit card business data are analyzed, includes moon turnover, credit card in credit card business data
Facility extent and loan repayment capacity generate the second pre- credit submodel with this.
Specifically, having pre-established the relation table that overdraft of credit card amount corresponds to the pre- accrediting amount in server, second is pre-
Credit submodel can be effective overdraft of credit card amount that user is determined according to the moon turnover of user, then according to effectively letter
The pre- accrediting amount is determined with card facility extent, the second pre- credit submodel also needs to verify the loan repayment capacity of user, if
User is without overdue, then the second pre- credit submodel exports effective overdraft of credit card amount and determines the pre- accrediting amount, if user is overdue,
Then the pre- accrediting amount of the second pre- credit submodel output is 0.
Further, debit card business datum is analyzed, debit card business datum includes: the debit card moon flowing water volume with
And Stored Value amount, the pre- credit submodel of third is generated with this.
Specifically, the mapping table of Stored Value amount Yu the pre- accrediting amount is established in server, the pre- credit submodel of third
It can be the Stored Value amount obtained in debit card business datum, inquiry Stored Value amount corresponds to the pre- accrediting amount, then according to debit
The card moon, flowing water volume exported the pre- credit of third in the product that can use moon flowing water volume Yu Stored Value amount ratio and the pre- accrediting amount
The pre- accrediting amount of submodel.
In another embodiment, for pre- credit model, the first pre- credit submodel, the second pre- credit can be passed through
Model and the mode of the pre- credit submodel combination of third, generate pre- credit model, can export pre-granted using three submodels
Believe output of the accumulated value of amount as pre- credit model.
In one embodiment, user information include: address name, customer mobile terminal number and user identity card number,
When user registers common account in immediate communication platform, name, mobile terminal number, identification card number of user etc. pair can be provided
The identity of user authenticates.Server can match business datum after the user information for obtaining user in service database,
Matching rule are as follows: if in business datum in service database including address name, the customer mobile terminal number in user information
And any of user identity card number, then the business datum is the business datum of user.
Specifically, the immediate communication platform is wechat, wechat account is registered in wechat, user is needed to provide name, movement
Termination number and identification card number carry out real name with this.When wechat account pays close attention to wechat service number, wechat service number is from instant
Communication platform requests to obtain the address name of user, mobile terminal number and identification card number etc..Then service database is called
In business datum, by matched mode, to confirm the business datum of user.
In another embodiment, after server gets the business datum of user according to user information, business datum is defeated
Enter in pre- credit model, the pre- accrediting amount of pre- credit model output user.
In one embodiment, specific to walk as shown in figure 4, providing a kind of schematic flow chart for constructing template message step
It is rapid as follows:
Step 402, the open identity for obtaining user obtains the pre- credit volume of user according to open identity
Degree.
Due to having pre-established the corresponding relationship of open identity Yu the pre- accrediting amount, when number of users is huge,
The pre- accrediting amount of user can be inquired by the open identity of user.
Step 404, according to the open identity of user, same Resource Locator is set.
Uniform resource locator is arranged according to demand, and for user after receiving template message, clicking template message can
To jump to the corresponding page of uniform resource locator.
Uniform resource locator is set according to the open identity of user, is that open identity is attached to unification
Behind Resource Locator, such as: uniform resource locator are as follows: http://www.xxx.com/xx/xx, useID=
OBSBmwQjqwjfzQlKsFNjxFLSiIQM, then the uniform resource locator being arranged in this step be " http: //
Www.xxx.com/xx/xx? useID=aBKBawDjqwjfzQlEsFNjxFLSiIQM ", useID are open identity.
Step 406, the request of building template message is sent to immediate communication platform.
In another embodiment, pre-set message template and the pre- accrediting amount are the data content for needing to transmit,
After obtaining data content, the message template interface of immediate communication platform can be called, specific code is as follows:
Therefore, in the pre- accrediting amount and open identity for obtaining user, template can be generated by calling interface
Message.
In one embodiment, it is also necessary to the pre- accrediting amount, user information and evolution formula identity are corresponded to and saved,
That is, each user saves its pre- accrediting amount, user information and open identity in the server.Pass through use
Any one in the pre- accrediting amount at family, user information and open identity, can inquire other letters of user
Breath.
Specifically, user can go to unified resource positioning by clicking template message after template message is pushed to user
The page of symbol, server receive the instruction that user clicks template message operation, then get from uniform resource locator
The open identity of user.It can be inquired to obtain the pre- accrediting amount of user according to open identity, then serviced
Device inquires loan product list, the corresponding loan product of the pre- accrediting amount of user is obtained, then by uniform resource locator
Page rendering go out the loan product application page, the loan product application page is the subpage frame of the page of uniform resource locator.
Furthermore it is also possible to obtain the user information of user, then server is direct according to the open identity of user
User information is filled to the corresponding position of the application page of loan product, is filled in manually without user, is opened in user unified
When the page of Resource Locator, the application page of loan product is opened in triggering, has been completed at the same time the filling of user information.
Hereinafter, being described in detail so that immediate communication platform is wechat as an example.
In one embodiment, wechat user pays close attention to wechat service number, and the server of wechat service number receives wechat platform
The wechat user that server is sent pays close attention to the information and wechat user openID of wechat service number.Server receives platform clothes
The information of business device, to the user information of Platform Server request wechat user, wherein wechat user registers account in wechat
Number when, fill in corresponding user information.After server receives the user information of wechat user, service database is called,
To obtain the business datum of wechat user in service database, business datum is inputted into pre- credit model, exports wechat user
The pre- accrediting amount.Then the openID of wechat user, user information and the pre- accrediting amount correspondence are saved as one by server
A plurality of record can be saved server for largely paying close attention to the user of wechat service number by item record in the form of user's list
Database in, facilitate calling.After server obtains the pre- accrediting amount of wechat user, for wechat user's custom built forms
Message is to establish message template first.Then by fills into message template, template message is generated by Platform Server,
Then template message is pushed to wechat user by wechat service number by server.
Specifically, for user interested, in URL (Uniform Resource Locator, the unified money of template message
Source finger URL) in the openID of subsidiary upper user jump to the page of URL, server with this when user clicks template message
By the openID in parsing URL, the openID for clicking the wechat user of template message can be inquired, is then looked into according to openID
User's list is ask, the user information and the pre- accrediting amount of dimension credit household is obtained with this.It is also pre-established in the database of server
Loan product list can recommend corresponding loan product by the pre- accrediting amount.Then in URL page rendering loan product
The application page, due in server there are user information, application page can be directly filled into for this partial information
Face optimizes application process with this.
In another embodiment, when wechat user concern quantity is excessive, server needs are constantly asked to Platform Server
User information is sought, the request method of server is post request, therefore can be first packaged post request, then in data
Required list is established in library, the request of encapsulation is stored in required list, and then by interface, the encapsulation messages in required list are sent out
Wechat is given, when excessive for the data volume of encapsulation messages, can establish caching team in interface by the way of caching
Encapsulation messages are pushed to Platform Server using the principle of first in first out, the user information of user are obtained with this by column.
In another embodiment, it is intended in order to avoid each user pays close attention to wechat service number to its PUSH message, it therefore, can
Can be inquired in user's list and whether there is the same openID, and if it exists, be then not necessarily to after the openID for obtaining user
Construct template message.
In one embodiment, due to needing to transmit the user information of user and the openID of user, in order to avoid monitored,
It in interface can go out that encryption and decryption program is arranged and judge whether it is user information or openID in interface output data, if
It is, then by pre-set encipheror, to be encrypted to user information or openID, it, can in interface data
By pre-set decryption program, encryption data to be decrypted.
It should be understood that although each step in the flow chart of Fig. 2-4 is successively shown according to the instruction of arrow,
These steps are not that the inevitable sequence according to arrow instruction successively executes.Unless expressly stating otherwise herein, these steps
Execution there is no stringent sequences to limit, these steps can execute in other order.Moreover, at least one in Fig. 2-4
Part steps may include that perhaps these sub-steps of multiple stages or stage are not necessarily in synchronization to multiple sub-steps
Completion is executed, but can be executed at different times, the execution sequence in these sub-steps or stage is also not necessarily successively
It carries out, but can be at least part of the sub-step or stage of other steps or other steps in turn or alternately
It executes.
In one embodiment, as shown in figure 5, providing a kind of message driving means, comprising: data obtaining module 502,
Pre- credit module 504 and pushing module 506, in which:
Data obtaining module 502 is opened for obtaining the open identity of user in immediate communication platform according to described
It puts formula identity and obtains user information from the immediate communication platform.
Pre- credit module 504, for according to the user information, query traffic data library to obtain the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；The pre- accrediting amount is corresponding with the open identity
It saves.
Pushing module 506, for being to described according to the open identity and pre-set message template
When communication platform send building template message request；Receive the mould that the immediate communication platform is constructed according to the message template
Plate message；It include the pre- accrediting amount of user in the template message；The template message is sent to user.
Pre- credit module 504 is also used to obtain the pre- credit model pre-established in one of the embodiments,；It will be described
Business datum inputs in the pre- credit model, obtains the pre- accrediting amount of user.
Business datum includes in one of the embodiments: declaration form business datum, credit card business data and debit card
Business datum；The first pre- credit submodel can be generated according to the declaration form business datum；According to the credit card business number
According to the second pre- credit submodel of generation；According to the debit card business datum, the pre- credit submodel of third is generated；According to described
First pre- credit submodel, the second pre- credit submodel and the pre- credit submodel of the third generate pre- credit model.
User information includes: address name, customer mobile terminal number and user identity in one of the embodiments,
Card number；Pre- credit module 504 is also used to match the business datum in service database according to the user information；If business number
According in the business datum in library include user information in address name, customer mobile terminal number and user identity card number in
Either one or two of, then the business datum in the service database is the business datum of user.
Pushing module 506 is also used to that unified money is arranged according to the open identity in one of the embodiments,
Source finger URL；According to the uniform resource locator and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message.
Memory module in one of the embodiments, for by the pre- accrediting amount, the user information and described
Open identity is corresponding to be saved, and pushing module 506, which is also used to trigger the template message in user, opens the unified money
When the page of source finger URL, the uniform resource locator that parsing user opens obtains the open identity of user；Root
According to the open identity, the pre- accrediting amount of user is inquired；It is preset according to the pre- accrediting amount inquiry
Loan product list, obtain the corresponding loan product of the pre- accrediting amount；Render the page of the uniform resource locator
Subpage frame, the subpage frame be the loan product the application page.
Information fills module in one of the embodiments, for obtaining the use according to the open identity
Family information；The user information is filled to the corresponding position of the application page of the loan product.
Specific about message driving means limits the restriction that may refer to above for information push method, herein not
It repeats again.Modules in above-mentioned message driving means can be realized fully or partially through software, hardware and combinations thereof.On
Stating each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also store in a software form
In memory in computer equipment, the corresponding operation of the above modules is executed in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server, internal junction
Composition can be as shown in Figure 6.The computer equipment include by system bus connect processor, memory, network interface and
Database.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipment
Include non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and data
Library.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculating
The database of machine equipment is used to store open identity, user information and the pre- credit quota data of user.The calculating
The network interface of machine equipment is used to communicate with external terminal by network connection.When the computer program is executed by processor with
Realize a kind of information push method.
It will be understood by those skilled in the art that structure shown in Fig. 6, only part relevant to application scheme is tied
The block diagram of structure does not constitute the restriction for the computer equipment being applied thereon to application scheme, specific computer equipment
It may include perhaps combining certain components or with different component layouts than more or fewer components as shown in the figure.
In one embodiment, a kind of computer equipment, including memory and processor are provided, which is stored with
Computer program, the processor perform the steps of when executing computer program
Obtain immediate communication platform in user open identity, according to the open identity from it is described i.e.
When communication platform in obtain user information；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
Mark is corresponding to be saved；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message；
Receive the template message that the immediate communication platform is constructed according to the message template；Include in the template message
The pre- accrediting amount of user；
The template message is pushed to user.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of when being executed by processor
Obtain immediate communication platform in user open identity, according to the open identity from it is described i.e.
When communication platform in obtain user information；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
Mark is corresponding to be saved；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends structure
Build the request of template message；
Receive the template message that the immediate communication platform is constructed according to the message template；Include in the template message
The pre- accrediting amount of user；
The template message is pushed to user.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
The several embodiments of the application above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneously
It cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the art
It says, without departing from the concept of this application, various modifications and improvements can be made, these belong to the protection of the application
Range.Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of information push method, which comprises
The open identity for obtaining user in immediate communication platform, according to the open identity from the Instant Messenger
User information is obtained in news platform；
According to the user information, query traffic data library obtains the business datum of user；
The pre- accrediting amount of user is obtained according to the business datum；By the pre- accrediting amount and the open identity
It is corresponding to save；
According to the open identity and pre-set message template, Xiang Suoshu immediate communication platform sends building mould
The request of plate message；
Receive the template message that the immediate communication platform is constructed according to the message template；It include user in the template message
The pre- accrediting amount；
The template message is pushed to user.
2. the method according to claim 1, wherein described obtain the pre- credit of user according to the business datum
Amount, comprising:
Obtain the pre- credit model pre-established；
The business datum is inputted in the pre- credit model, the pre- accrediting amount of user is obtained.
3. according to the method described in claim 2, it is characterized in that, the business datum includes: declaration form business datum, credit card
Business datum and debit card business datum；
The generating mode of the pre- credit model includes:
According to the declaration form business datum, the first pre- credit submodel is generated；
According to the credit card business data, the second pre- credit submodel is generated；
According to the debit card business datum, the pre- credit submodel of third is generated；
It is generated according to the described first pre- credit submodel, the second pre- credit submodel and the pre- credit submodel of the third
Pre- credit model.
4. the method according to claim 1, wherein the user information includes: address name, user's mobile end
Hold number and user identity card number；
It is described according to the user information, query traffic data library obtains the business datum of user, comprising:
According to the user information, the business datum in service database is matched；
If in the business datum in service database including address name, customer mobile terminal number and the use in user information
Any of family identification card number, then the business datum in the service database is the business datum of user.
5. the method according to claim 1, wherein described set according to the open identity and in advance
The message template set, Xiang Suoshu immediate communication platform send the request of building template message, comprising:
According to the open identity, uniform resource locator is set；
According to the uniform resource locator and pre-set message template, Xiang Suoshu immediate communication platform sends building template
The request of message.
6. according to the method described in claim 5, it is characterized in that, the method also includes:
By the pre- accrediting amount, the user information and the corresponding preservation of the open identity；
After the template message is sent to user by the immediate communication platform, further includes:
When user triggers the template message and opens the page of the uniform resource locator, the unification that parsing user opens is provided
Source finger URL obtains the open identity of user；
According to the open identity, the pre- accrediting amount of user is inquired；
Pre-set loan product list is inquired according to the pre- accrediting amount, obtains the corresponding loan of the pre- accrediting amount
Product；
The subpage frame of the page of the uniform resource locator is rendered, the subpage frame is the application page of the loan product.
7. according to the method described in claim 6, it is characterized in that, the method also includes:
According to the open identity, the user information is obtained；
The user information is filled to the corresponding position of the application page of the loan product.
8. a kind of message driving means, which is characterized in that described device includes:
Data obtaining module, for obtaining the open identity of user in immediate communication platform, according to the open body
Part mark obtains user information from the immediate communication platform；
Pre- credit module, for according to the user information, query traffic data library to obtain the business datum of user；According to described
Business datum obtains the pre- accrediting amount of user；It saves the pre- accrediting amount is corresponding with the open identity；
Pushing module, for according to the open identity and pre-set message template, Xiang Suoshu instant messaging
Platform sends the request of building template message；The immediate communication platform is received to be disappeared according to the template that the message template constructs
Breath；It include the pre- accrediting amount of user in the template message；The template message is sent to user.
9. a kind of computer equipment, including memory and processor, the memory are stored with computer program, feature exists
In the step of processor realizes any one of claims 1 to 7 the method when executing the computer program.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| CN201811085804.0A CN109447780A (en) | 2018-09-18 | 2018-09-18 | Information push method, device, computer equipment and storage medium |
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| CN201811085804.0A CN109447780A (en) | 2018-09-18 | 2018-09-18 | Information push method, device, computer equipment and storage medium |
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| CN110688236A (en) * | 2019-08-08 | 2020-01-14 | 深圳木成林科技有限公司 | Information touch method, system and terminal equipment |
| CN110855548A (en) * | 2019-10-18 | 2020-02-28 | 深圳前海微众银行股份有限公司 | Message pushing method and device |
| CN110992171A (en) * | 2019-12-03 | 2020-04-10 | 支付宝(杭州)信息技术有限公司 | User credit granting strategy determination method and device and electronic equipment |
| CN111489255A (en) * | 2020-04-13 | 2020-08-04 | 深圳前海微众银行股份有限公司 | Data credit granting method, device, equipment and computer readable storage medium |
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| CN113724075A (en) * | 2021-09-14 | 2021-11-30 | 中国银行股份有限公司 | Bank business experience realization method and device |
| CN116436633A (en) * | 2023-02-08 | 2023-07-14 | 广州希倍思智能科技有限公司 | Platform login method and system for receiving and transmitting verification code based on instant messaging |
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| CN112148289A (en) * | 2020-09-24 | 2020-12-29 | 北京金和网络股份有限公司 | Interface configuration system and method |
| CN113592637A (en) * | 2021-08-23 | 2021-11-02 | 中国银行股份有限公司 | Banking business handling method and device |
| CN113724075A (en) * | 2021-09-14 | 2021-11-30 | 中国银行股份有限公司 | Bank business experience realization method and device |
| CN116436633A (en) * | 2023-02-08 | 2023-07-14 | 广州希倍思智能科技有限公司 | Platform login method and system for receiving and transmitting verification code based on instant messaging |
| CN116436633B (en) * | 2023-02-08 | 2023-12-05 | 广州希倍思智能科技有限公司 | Platform login method and system for receiving and transmitting verification code based on instant messaging |
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