CN113518117A - ETC transaction recommendation method, bank server, computer device and medium - Google Patents
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- H—ELECTRICITY
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- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
- G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
- G07B15/02—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points taking into account a variable factor such as distance or time, e.g. for passenger transport, parking systems or car rental systems
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
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Abstract
The invention discloses an ETC transaction recommendation method, a bank server, computer equipment and a medium, and relates to the technical field of big data, wherein the method comprises the following steps: the bank server obtains user information provided by a user when paying for parking time; when the user information comprises the license plate number, the bank server inquires whether the user opens the ETC from the road network center according to the license plate number; or when the user information comprises the mobile phone number, the bank server inquires whether the user opens the ETC from a bank database system or a road network center according to the mobile phone number; and the bank server recommends an ETC transaction page to the user when the user does not open the ETC. According to the invention, the user information provided by the user when paying the parking time is inquired, and the ETC is recommended to the user when the user is determined not to open the ETC, so that the potential user handling the ETC can be accurately positioned, and the conversion rate of the on-line ETC handling recommendation is improved.
Description
Technical Field
The invention relates to the technical field of big data, in particular to an ETC transaction recommendation method, a bank server, computer equipment and a medium.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, a bank provides payment service of a parking lot for part of users, and the users can pay for parking through WeChat, Payment treasures, mobile banking payment, code scanning payment and other modes.
ETC (electronic Toll collection) non-stop Toll collection system is the most advanced road and bridge Toll collection mode in the world at present, and ETC is generally recommended to all users in the on-line ETC promotion activity at the present stage, so that clients with demands cannot be accurately positioned, and the conversion rate is low.
Disclosure of Invention
The embodiment of the invention provides an ETC transaction recommendation method, which is used for accurately positioning potential users handling ETC and improving the conversion rate of on-line ETC transaction recommendation, and comprises the following steps:
the bank server obtains user information provided by a user when paying for parking time;
when the user information comprises the license plate number, the bank server inquires whether the user opens the ETC from the road network center according to the license plate number; or when the user information comprises the mobile phone number, the bank server inquires whether the user opens the ETC from a bank database system or a road network center according to the mobile phone number;
and the bank server recommends an ETC transaction page to the user when the user does not open the ETC.
The embodiment of the invention also provides a bank server, which is used for accurately positioning potential users handling ETC and improving the conversion rate recommended by on-line ETC handling, and comprises:
the system comprises a user information obtaining module, a parking fee obtaining module and a parking fee calculating module, wherein the user information obtaining module is used for obtaining user information provided by a user when the user pays for parking fee;
the query module is used for querying whether the ETC is opened by the user from the road network center according to the license plate number when the user information comprises the license plate number; or, when the user information comprises the mobile phone number, inquiring whether the user opens the ETC from the bank database system or the road network center according to the mobile phone number;
and the recommending module is used for recommending an ETC transaction page to the user when the ETC is not opened by the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the ETC transaction recommendation method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-described ETC transaction recommendation method is stored in the computer-readable storage medium.
In the embodiment of the invention, a bank server obtains user information provided by a user when paying parking time; when the user information comprises the license plate number, the bank server inquires whether the user opens the ETC from the road network center according to the license plate number; or when the user information comprises the mobile phone number, the bank server inquires whether the user opens the ETC from a bank database system or a road network center according to the mobile phone number; and the bank server recommends an ETC transaction page to the user when the user does not open the ETC. Compared with the current online ETC recommendation mode for all users, the ETC recommendation method and the ETC recommendation system have the advantages that the user information provided by the user during payment and parking time is inquired, ETC is recommended to the user for handling when the user is determined that ETC is not opened, potential users handling ETC can be accurately positioned, and conversion rate of ETC handling recommendation on line is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a process flow diagram of an ETC transaction recommendation method according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating an embodiment of an ETC transaction recommendation method according to the present invention;
FIG. 3 is a flowchart illustrating an embodiment of an ETC transaction recommendation method according to the present invention;
FIG. 4 is a schematic structural diagram of a bank server according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a processing flow chart of an ETC transaction recommendation method in an embodiment of the present invention. As shown in fig. 1, an ETC transaction recommendation method in an embodiment of the present invention may include:
and 103, recommending an ETC transaction page to the user by the bank server when the user does not open the ETC.
As can be seen from the flow shown in fig. 1, compared with the current method for recommending the ETC to all users online, the method for recommending the ETC in the embodiment of the present invention queries the user information provided by the user during payment and parking, and recommends the ETC to the user when determining that the user does not open the ETC, so that the potential user for handling the ETC can be accurately located, and the conversion rate of handling the ETC to recommend the online is improved.
In one embodiment, ETC transaction recommendation requires first determining a user range for ETC transaction recommendation, and for this purpose, the bank server may first obtain user information provided by the user in paying for the parking fee.
In one embodiment, the bank server obtaining the user information provided by the user in paying for the parking fee may include: the bank server obtains user information provided by the user when the user pays the parking fee in the modes of WeChat, Payment treasured, mobile banking and the like. In specific implementation, the user may also pay the parking fee through other payment methods capable of providing the license plate number and/or the mobile phone number, which is not limited to the embodiments of the present invention.
In one embodiment, when the user information includes a mobile phone number, the bank server querying whether the user has opened the ETC from the bank database system or the road network center according to the mobile phone number may include: when the user information comprises the mobile phone number, the bank server firstly queries whether the user opens the ETC from a bank database system according to the mobile phone number; and if the ETC is opened by the user is not inquired in the bank database system, inquiring whether the ETC is opened by the user from the road network center according to the mobile phone number.
When the user information comprises the mobile phone number, the bank server can directly inquire whether the user opens the ETC from the bank database system according to the mobile phone number, can more quickly determine whether the user opens the ETC in the bank, and does not need to send the user information to the road network center for inquiry; and if the ETC is opened by the user is not inquired in the bank database system, inquiring whether the ETC is opened by the user from the road network center according to the mobile phone number of the user. If the bank server obtains that the user information provided by the user when paying for parking time includes the license plate number, whether the ETC is opened by the user can be inquired from the road network center according to the license plate number of the user, and if the license plate number of the user is also contained in the bank database system, whether the ETC is opened by the user can be inquired from the bank database system according to the license plate number of the user.
In one embodiment, the bank server recommends an ETC transaction page to the user when the user does not open an ETC, which may include: and when the ETC is not opened by the user, the bank server recommends an ETC transaction page to the user on a payment result page of the user. When concrete implementation, the user who does not open the ETC can handle through the audio-visual understanding ETC of recommendation page after paying the parking fee, through traditional mode payment parking fee after, more easily realizes the convenient part that the ETC handled, is favorable to the ETC to handle the recommendation.
In one embodiment, the ETC transaction page can be provided with an ETC transaction applet entry, so that a user can rapidly perform ETC transaction. In particular, in order to attract users more, for example, a preferential event of handling ETC may be presented on an ETC handling page, ETC may be recommended to the users through an H5 page.
In one embodiment, the bank server recommends an ETC transaction page to the user when the user does not open an ETC, which may include: the bank server detects whether the user has a credit card or a class of users when the user does not open the ETC, and recommends an ETC transaction page to the user when the user has the credit card or the class of users.
When the ETC page recommendation method is specifically implemented, the user range of the recommended ETC page can be determined according to ETC transaction conditions set by a bank, for example, online ETC transaction can be realized by users with credit cards or users of the same type as limiting conditions, and when the bank server detects that the users have the credit cards or the users of the same type, the ETC page is recommended to the users. The bank may also set other ETC transaction conditions, which is not limited to the embodiments of the present invention.
Fig. 2 is a flowchart illustrating an embodiment of an ETC transaction recommendation method according to the present invention. As shown in fig. 2, a specific example of the ETC transaction recommendation method in this embodiment relates to a bank road network center 201, a bank database system 202, a bank server 203, and a user 204. In this example, taking an example that a user who does not open the ETC provides a mobile phone number when paying for a parking fee, a specific process may include:
the bank server 203 obtains a mobile phone number provided by the user 204 when the user 204 pays the parking fee, the bank server 203 firstly inquires whether the user 204 has opened the ETC from the bank database system 202 according to the mobile phone number, and if the user 204 has not inquired that the ETC has been opened in the bank database system 202, then inquires whether the user 204 has opened the ETC from the road network center 201 according to the mobile phone number of the user 204, and if the user 204 has not inquired that the ETC has been opened in the road network center 201, the ETC is recommended to the user 204 to handle the applet.
Fig. 3 is a flowchart illustrating an embodiment of an ETC transaction recommendation method according to an embodiment of the present invention. As shown in fig. 3, a specific example of the ETC transaction recommendation method in this embodiment relates to a road network center 301, a bank database system 302, a bank server 303, and a user 304. In this example, taking an example that a user who does not open the ETC provides a license plate number and a mobile phone number when paying for parking fee, a specific process may include:
the bank server 303 obtains a license plate number and a mobile phone number provided by the user 304 when the user 304 pays a parking fee, the bank server 303 inquires whether the user 304 has opened an ETC from the road network center 301 according to the license plate number and the mobile phone number of the user 304, the road network center 301 does not inquire whether the user 304 has opened the ETC, the bank server 303 detects whether the user 304 has a credit card or a class of users from the bank database system 302 according to the mobile phone number of the user 304, and if the user 304 has the credit card or the class of users in the bank database system 302, an H5 page handled by the ETC is recommended to the user 304.
The embodiment of the invention also provides a bank server, which is described in the following embodiment. Because the principle of solving the problems of the bank server is similar to that of the ETC transaction recommendation method, the implementation of the bank server can refer to the implementation of the ETC transaction recommendation method, and repeated parts are not repeated.
Fig. 4 is a schematic structural diagram of a bank server in the embodiment of the present invention. As shown in fig. 4, the bank server in the embodiment of the present invention may include:
a user information obtaining module 401, configured to obtain user information provided by a user when paying for parking time;
the query module 402 is configured to query whether the user has opened the ETC from the road network center according to the license plate number when the user information includes the license plate number; or, when the user information comprises the mobile phone number, inquiring whether the user opens the ETC from the bank database system or the road network center according to the mobile phone number;
and the recommending module 403 is configured to recommend an ETC transaction page to the user when the user does not open an ETC.
In an embodiment, the user information obtaining module 401 is specifically configured to:
obtaining user information provided by a user when paying a parking fee by:
WeChat, Payment treasures, or cell phone banking.
In one embodiment, the query module 402 is specifically configured to:
when the user information comprises a mobile phone number, firstly, whether the ETC is opened by the user is inquired from a bank database system according to the mobile phone number;
and if the ETC is opened by the user is not inquired in the bank database system, inquiring whether the ETC is opened by the user from the road network center according to the mobile phone number.
In one embodiment, the recommendation module 403 is specifically configured to:
and when the ETC is not opened by the user, recommending an ETC transaction page to the user on a payment result page of the user.
In one embodiment, the ETC transaction page in the recommendation module 403 is provided with an ETC transaction applet portal.
In one embodiment, the recommendation module 403 is specifically configured to:
when the ETC is not opened by the user, detecting whether the user has a credit card or a class of users; when the user has a credit card or a class of users, an ETC transaction page is recommended to the user.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned ETC transaction recommendation method.
Based on the foregoing inventive concept, the present invention proposes a computer-readable storage medium storing a computer program which, when executed by a processor, implements the foregoing ETC transaction recommendation method.
In summary, in the embodiment of the present invention, the bank server obtains the user information provided by the user when paying for parking time; when the user information comprises the license plate number, the bank server inquires whether the user opens the ETC from the road network center according to the license plate number; or when the user information comprises the mobile phone number, the bank server inquires whether the user opens the ETC from a bank database system or a road network center according to the mobile phone number; and the bank server recommends an ETC transaction page to the user when the user does not open the ETC. Compared with the current online ETC recommendation mode for all users, the ETC recommendation method and the ETC recommendation system have the advantages that the user information provided by the user during payment and parking time is inquired, ETC is recommended to the user for handling when the user is determined that ETC is not opened, potential users handling ETC can be accurately positioned, and conversion rate of ETC handling recommendation on line is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (14)
1. An ETC transaction recommendation method, comprising:
the bank server obtains user information provided by a user when paying for parking time;
when the user information comprises the license plate number, the bank server inquires whether the user opens the ETC from the road network center according to the license plate number; or when the user information comprises the mobile phone number, the bank server inquires whether the user opens the ETC from a bank database system or a road network center according to the mobile phone number;
and the bank server recommends an ETC transaction page to the user when the user does not open the ETC.
2. The method of claim 1, wherein the bank server obtaining user information provided by the user in paying for the parking fee comprises:
the bank server obtains user information provided by a user when paying a parking fee by the following method:
WeChat, Payment treasures, or cell phone banking.
3. The method according to claim 1, wherein the bank server, when the user information includes a mobile phone number, inquiring whether the user has opened the ETC from the bank database system or the road network center according to the mobile phone number, comprises:
when the user information comprises the mobile phone number, the bank server firstly queries whether the user opens the ETC from a bank database system according to the mobile phone number;
and if the ETC is opened by the user is not inquired in the bank database system, inquiring whether the ETC is opened by the user from the road network center according to the mobile phone number.
4. The method of claim 1, wherein the bank server recommends the ETC transaction page to the user when the user does not open the ETC, comprising:
and when the ETC is not opened by the user, the bank server recommends an ETC transaction page to the user on a payment result page of the user.
5. The method of claim 1, wherein the ETC transaction page is provided with an ETC transaction applet portal.
6. The method according to any one of claims 1 to 5, wherein the bank server recommends the ETC transaction page to the user when the ETC is not opened by the user, including:
the bank server detects whether the user has a credit card or a class of users when the ETC is not opened by the user;
and the bank server recommends the ETC transaction page to the user when the user has a credit card or a class of users.
7. A bank server, comprising:
the system comprises a user information obtaining module, a parking fee obtaining module and a parking fee calculating module, wherein the user information obtaining module is used for obtaining user information provided by a user when the user pays for parking fee;
the query module is used for querying whether the ETC is opened by the user from the road network center according to the license plate number when the user information comprises the license plate number; or, when the user information comprises the mobile phone number, inquiring whether the user opens the ETC from the bank database system or the road network center according to the mobile phone number;
and the recommending module is used for recommending an ETC transaction page to the user when the ETC is not opened by the user.
8. The server according to claim 7, wherein the user information obtaining module is specifically configured to:
obtaining user information provided by a user when paying a parking fee by:
WeChat, Payment treasures, or cell phone banking.
9. The server according to claim 7, wherein the query module is specifically configured to:
when the user information comprises a mobile phone number, firstly, whether the ETC is opened by the user is inquired from a bank database system according to the mobile phone number;
and if the ETC is opened by the user is not inquired in the bank database system, inquiring whether the ETC is opened by the user from the road network center according to the mobile phone number.
10. The server according to claim 7, wherein the recommendation module is specifically configured to:
and when the ETC is not opened by the user, recommending an ETC transaction page to the user on a payment result page of the user.
11. The server according to claim 7, wherein the ETC transaction page is provided with an ETC transaction applet portal.
12. The server according to any one of claims 7 to 11, wherein the recommendation module is specifically configured to:
when the ETC is not opened by the user, detecting whether the user has a credit card or a class of users;
when the user has a credit card or a class of users, an ETC transaction page is recommended to the user.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 6.
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| CN114821843B (en) * | 2022-03-18 | 2023-08-11 | 江苏中交车旺科技有限公司 | ETC service recommendation method and system |
| CN115296910A (en) * | 2022-08-05 | 2022-11-04 | 中国银行股份有限公司 | Recommendation method and related device for ETC (electronic toll Collection) service |
| CN115296910B (en) * | 2022-08-05 | 2024-03-19 | 中国银行股份有限公司 | ETC service recommending method and related device |
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Application publication date: 20211019 |