CN113724019A - Sharing method and device of online financial business, storage medium and electronic equipment - Google Patents
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Abstract
The invention provides a sharing method and device of online financial business, a storage medium and electronic equipment, wherein the method comprises the following steps: when activation information of online financial services sent by a user is received, determining reward rules corresponding to the user according to the extracted characteristic information of the user, and generating an activity set corresponding to the reward rules, wherein the activity set comprises at least one recommended activity corresponding to the online financial services; for each recommended activity selected by the user in the activity set, when the user shares the recommended activity with the client specified by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. The method comprises the steps of customizing a personalized reward rule for a user, generating a recommendation activity corresponding to the reward rule, sharing the recommendation activity by the user, and sending activity reward to the user, so that the customer-obtaining range of online financial services can be enlarged, and the customer-obtaining efficiency is improved.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a sharing method and device of online financial business, a storage medium and electronic equipment.
Background
With the development of the internet, internet finance is more and more widely applied to a plurality of scenes such as work, life and the like. In order to meet the requirements of different customers, banks or financial institutions providing financial services continuously offer various financial products, wherein, in order to provide convenience for the customers, many banks and financial institutions offer various online financial services, such as network loan services, online financial management services and the like.
For online financial services, the amount of customer application is a very important operation index, and in order to make online financial services continue to be profitable and developed, a large number of customer groups need to use the online financial services. Traditional online financial business is mainly publicized and promoted through marketing of offline business personnel and other modes, so that customers are obtained, and the publicizing and promoting mode is limited by the publicizing range of the online financial business, so that the customer obtaining rate of the online financial business is low.
Disclosure of Invention
In view of the above, the present invention provides a sharing method and apparatus for online financial services, a storage medium, and an electronic device, in which a personalized reward rule is customized for a user based on feature information of the user, and an activity set corresponding to the reward rule is generated, and the user can distribute an activity reward to the user by sharing a recommended activity with a specified client, so that a sharing range of the online financial services can be expanded, a customer-obtaining range of the online financial services can be expanded, the user is encouraged to share the recommended activity, and customer-obtaining efficiency is improved.
In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:
a sharing method of online financial services comprises the following steps:
when receiving activation information of online financial services sent by a user, extracting characteristic information of the user;
determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set;
and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
Optionally, the method further includes, before extracting the feature information of the user:
judging whether the user is a new user;
if the user is a new user, determining whether the user is an invited user based on the activation information;
and if the user is an invited user, acquiring a user invitation code in the activation information, determining an inviter based on the invitation code, binding the user and the inviter, issuing preset new person rewards to the user, and issuing corresponding activity rewards to the inviter and the user based on reward rules of the inviter.
Optionally, the determining, according to the feature information, an incentive rule corresponding to the user includes:
evaluating the customer acquisition capacity of the user based on the characteristic information of the user to obtain a customer acquisition evaluation grade of the user;
and determining each reward mode corresponding to the user in a preset reward database based on the customer obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user based on each reward mode.
The method above, optionally, the generating an activity set corresponding to the reward rule includes:
determining each reward mode in the reward rules;
for each reward mode, generating a recommended activity corresponding to the online financial service based on the characteristic information and the activity content of the online financial service;
and obtaining an activity set corresponding to the reward rule based on each recommended activity.
Optionally, the method for determining whether the user is a new user includes:
acquiring user information of the user;
traversing each activated user information in a preset user information base, determining the user as a new user when the activated user information identical to the user information does not exist in the user information base, and storing the user information as the activated user information in the user information base.
The method described above, optionally, the determining whether the user is an invited user based on the activation information includes:
analyzing the activation information, and determining whether the activation information contains an invitation identifier;
and if the activation information contains an invitation identifier, determining that the user is an invited user.
An online financial transaction sharing device, comprising:
the system comprises an extraction unit, a processing unit and a processing unit, wherein the extraction unit is used for extracting the characteristic information of a user when receiving the activation information of the online financial service sent by the user;
a first determining unit, configured to determine, according to the feature information, an incentive rule corresponding to the user, and generate an activity set corresponding to the incentive rule, where the activity set includes at least one recommended activity corresponding to the online financial service;
the pushing unit is used for pushing the activity set to the user so as to determine at least one recommended activity selected by the user in the activity set;
and the sharing unit is used for determining that the user completes the recommended activity and issuing an activity reward corresponding to the recommended activity to the user when the user shares the recommended activity with the client specified by the recommended activity for each recommended activity selected by the user.
The above apparatus, optionally, further comprises:
the judging unit is used for judging whether the user is a new user or not;
a second determining unit configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
and the obtaining unit is used for obtaining a user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user and the inviter, issuing a preset new person reward to the user, and issuing a corresponding activity reward to the inviter and the user based on a reward rule of the inviter.
The above apparatus, optionally, the first determining unit includes:
the evaluation subunit is used for evaluating the customer obtaining capacity of the user based on the characteristic information of the user to obtain the customer obtaining evaluation level of the user;
and the first determining subunit is used for determining each reward mode corresponding to the user in a preset reward database based on the visitor obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user based on each reward mode.
The above apparatus, optionally, the first determining unit includes:
the second determining subunit is used for determining each reward mode in the reward rule;
the generating subunit is used for generating a recommended activity corresponding to the online financial service according to the characteristic information and the activity content of the online financial service for each rewarding mode;
and the obtaining subunit is used for obtaining an activity set corresponding to the reward rule based on each recommended activity.
The above apparatus, optionally, the determining unit includes:
an obtaining subunit, configured to obtain user information of the user;
and the traversal subunit is used for traversing each activated user information in a preset user information base, determining that the user is a new user when the activated user information identical to the user information does not exist in the user information base, and storing the user information serving as the activated user information into the user information base.
The above apparatus, optionally, the second determining unit includes:
the analysis subunit is used for analyzing the activation information and determining whether the activation information contains an invitation identifier;
and the third determining subunit is configured to determine that the user is an invited user if the activation information includes an invitation identifier.
A storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium is located to execute the sharing method of the online financial transaction.
An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the method for sharing of online financial transactions described above.
Compared with the prior art, the method has the following advantages:
the invention provides a sharing method and device of online financial business, a storage medium and electronic equipment, wherein the method comprises the following steps: when receiving activation information of online financial services sent by a user, extracting characteristic information of the user; determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. The method has the advantages that the personalized reward rule is customized for the user, the recommendation activity corresponding to the reward rule is generated, and the activity reward can be issued to the user when the user shares the recommendation activity with the appointed client, so that the sharing range of the online financial service can be expanded through the sharing of the user, the limitation of the propaganda range of the online financial service is effectively broken through, the possibility of acquiring the client is improved, the client acquiring efficiency of the online financial service is further improved, the invested cost is low, the acquired client reliability is higher, a benign cyclic effect can be achieved through the continuous sharing mode of the user, and the client acquiring efficiency of the online financial service can be expanded.
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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a flowchart of a method for sharing online financial services according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating another method of sharing online financial services according to an embodiment of the present invention;
fig. 3 is a flowchart of another method of sharing online financial services according to an embodiment of the present invention;
fig. 4 is a flowchart illustrating another method of sharing online financial services according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a sharing device for online financial services according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The background art can know that the current on-line financial business customer-obtaining mode is mainly obtained by propagandizing and popularizing business personnel under the line, the current customer-obtaining mode is only limited to customers who have contacted with the business personnel, the customer-obtaining range is greatly limited, and the customer-obtaining efficiency is low. In order to solve the problem, the invention provides a brand-new customer obtaining mode, and customers share the recommended activities related to the online financial services, so that the sharing of the online financial services is realized, the propaganda range of the online financial services is further expanded, and the customer obtaining rate of the online financial services is improved.
The invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor apparatus, distributed computing environments that include any of the above devices or equipment, and the like. The invention can be applied to a service management system, the system can be composed of a computer terminal or a distributed intelligent device, and an execution main body can be a processor or a server of the service management system.
Referring to fig. 1, a flowchart of one method of the sharing method for online financial services according to the embodiment of the present invention is specifically described as follows:
s101, when activation information of online financial services sent by a user is received, extracting characteristic information of the user.
In the method provided by the embodiment of the invention, the online financial business is specifically financial business such as petty loan business, commercial loan business and network consumption loan business in banks.
The activation information is used for activating the online financial service, and after the online financial service is activated, the user can use the terminal to use the online financial service through the network, and the activation information includes specific information required for activating the online financial service, such as service information, activated content, a user name, activation time and the like.
In the method provided by the embodiment of the present invention, before extracting the feature information of the user, it may be further determined whether a preset new person reward needs to be issued to the user, and a specific process is shown in fig. 2 and specifically described as follows:
s201, judging whether the user is a new user or not; if the user is a new user, executing S202; if the user is not a new user, S204 is executed.
The specific process of determining whether the user is a new user is as follows:
acquiring user information of the user;
traversing each activated user information in a preset user information base, determining the user as a new user when the activated user information same as the user information does not exist in the user information base, and storing the user information as registered information in the user information base; further, when activated user information identical to the user information exists in the user information base, the user is determined not to be a new user.
The user information of the user comprises basic identity information such as a user number, a user name, an identity card number and the like; the user information base is used for storing information of users who have activated online financial services, and specifically, the information of users stored in the user information base may be referred to as activated user information.
The user information of the user is traversed through the user information base to further judge whether the user is a new user, the type of the user can be further determined based on the user information of the user, and powerful basis and proof are given for determining whether a new person needs to be issued to the user.
S202, determining whether the user is an invited user based on the activation information; if the user is an invited user, executing S203; if the user is not an invited user, S205 is performed.
When determining whether the user is an invited user, analyzing the activation information, and determining whether the activation information contains an invitation identifier; if the activation information contains an invitation identifier, determining that the user is an invited user; and if the activation information does not contain an invitation identifier, determining that the user is not an invited user.
In the method provided by the embodiment of the invention, the invitation identification can be a user invitation code of an inviter, the user invitation code has uniqueness, each inviter corresponds to one invitation code, specifically, the invitation code can be generated according to the identity number and the mobile phone number of the inviter when being distributed to the inviter, and a data string with uniqueness can be randomly generated by using a random number generation algorithm and is used as the user invitation code of the inviter.
Further, when it is determined that the user is not an invited user, the feature information of the user may be directly extracted, and then the process proceeds to S102.
S203, acquiring the user invitation code in the activation information, determining an inviter based on the invitation code, binding the user and the inviter, issuing preset new person rewards to the user, and issuing corresponding activity rewards to the inviter and the user based on reward rules of the inviter.
When the user is an invited user, the activation information sent by the user comprises a user invitation code, and the activation information is analyzed, so that the user invitation code in the activation information is obtained.
After the user and the inviter are bound, sending a preset new person reward to the user, and further, under the condition that the online financial service is the network loan, the new person reward comprises an advance repayment discount, a threshold-free coupon, a penalty discount, an interest rate discount and the like. The activity rewards specifically include interest rate benefit rewards, fine benefit rewards, advance payment benefit rewards, default money benefit rewards, and the like. Further, the reward included in the new person reward and the reward included in the activity reward may be the same or different.
And S204, determining that a preset new person reward does not need to be issued to the user.
S205, determining that a preset new person reward needs to be issued to the user.
In the method provided by the embodiment of the invention, before extracting the characteristic information of the user, whether a new person reward needs to be issued to the user or not can be firstly determined, so that the pedestrian reward can be issued to the user when the user is a new user, and the activity reward is issued to both the user and the inviter under the condition that the user is a new user and is an invitee, so that the user and the inviter can be encouraged to continuously invite other users by issuing the reward to the user and the inviter, further the reward can be obtained, the client amount of the online financial service is increased, and the customer obtaining efficiency of the online financial service is improved.
In the method provided by the embodiment of the invention, the specific process of extracting the characteristic information of the user comprises the following steps: acquiring basic information of a user, and extracting characteristic information of the user from the basic information; the basic information of the user comprises information such as the name, age, current residence place and occupation of the user, and the characteristic information comprises the region, age, income level and occupation of the user.
S102, determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service.
In the method provided by the embodiment of the invention, the reward rule of each user is customized according to the characteristic information of the user, and the reward rule is the rule which best meets the user.
Referring to fig. 3, a flowchart of a method for determining an incentive rule corresponding to a user according to an embodiment of the present invention is specifically described as follows:
s301, evaluating the customer obtaining capacity of the user based on the characteristic information of the user to obtain the customer obtaining evaluation level of the user.
And evaluating the customer acquisition capacity of the user through the characteristic information of the user so as to obtain a customer acquisition evaluation grade of the user, wherein the higher the customer acquisition evaluation grade is, the stronger the customer acquisition capacity of the user is. In the process of evaluating the customer acquisition capacity of the user, the customer acquisition capacity of the user can be evaluated by using an evaluation model trained in advance, wherein the characteristic information of the user is used as the input quantity of the evaluation model, and after the evaluation model processes the characteristic information, the customer acquisition evaluation grade of the user is output.
S302, determining each reward mode corresponding to the user in a preset reward database based on the customer obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user based on each reward mode.
A plurality of reward modes are preset in the reward database, specifically, coupon rewards, interest rate rewards, early repayment discount rewards and default fund discount rewards; and determining each reward mode corresponding to the user in a preset reward database according to the customer obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user according to each reward mode.
The customer acquisition evaluation level and the characteristic information corresponding to each reward mode are different, specifically as follows: when the characteristic information comprises the characteristics of the students, the reward comprises coupon reward and advance repayment discount reward; when the customer-obtaining evaluation level is high, the coupon award can have a discount amount of 100 yuan, and it should be noted that the higher the customer-obtaining evaluation level is, the higher the discount amount in the coupon award is.
In the method provided by the embodiment of the invention, the personalized reward rule can be customized for the user based on the characteristic information of the user, so that the reward rule which best meets the user can be provided for the user, the user is further encouraged to share the online financial service for other users, and a large number of client groups can be brought to the online financial service.
In the method provided in the embodiment of the present invention, after determining the reward rule of the user, an activity set of the user is generated, referring to fig. 4, which is a flowchart of generating an activity set corresponding to the reward rule in the embodiment of the present invention, and the following specific description is provided:
s401, determining each reward mode in the reward rule.
S402, generating a recommended activity corresponding to the online financial service for each reward mode based on the characteristic information and the activity content of the online financial service.
And generating a recommendation activity of each reward mode, and generating the recommendation activity according to the characteristic information and the activity content of the online financial service when generating the recommendation activity.
Each recommended activity comprises a user invitation code of the user, and the activity content of the online financial service comprises the service content of the online financial service, introduction related to the online financial service and the like. The recommended activities also include designated shared people, rewards for participating in the activities, and the like.
And S403, obtaining an activity set corresponding to the reward rule based on each recommended activity.
In the method provided by the embodiment of the invention, each recommended activity in the generated activity set is an activity customized for the user, so that the user can be stimulated to participate in the recommended activity, the customer obtaining range of the online financial service is increased, and the customer obtaining efficiency of the online financial service is improved.
S103, pushing the activity set to the user, and determining at least one recommended activity selected by the user in the activity set.
After the activity set is pushed to the user, the user may select recommended activities from the activity set as required, and when the user selects recommended activities, at least one of the recommended activities is selected, and then S103 is executed. In the method provided by the embodiment of the present invention, the user may not select the recommended activity, and when the user does not select the recommended activity, S104 does not need to be executed, and the sharing process of the online activity is ended.
S104, for each recommended activity selected by the user, when the user shares the recommended activity with the client specified by the recommended activity, determining that the user completes the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
After the user selects the recommended activity, the user shares the recommended activity with the client specified by the recommended activity, so that the user can be determined to finish the recommended activity, and an activity reward corresponding to the recommended activity is issued to the user. Preferably, the client specified by the recommended activity in the present invention may be any contact in the contact list of the user, and the contact may be a person who has activated the online financial service or a person who has not activated the online financial service; further, the customer to which the recommended activity refers may also be a user who is not in the user's contact list and has not yet activated the online financial service.
According to the method provided by the embodiment of the invention, the user shares the recommended activity to the client appointed by the recommended activity, so that the sharing range of the online financial service can be effectively expanded, the client obtaining range of the online financial service is expanded, the client obtaining possibility of the online financial service is increased, and the client obtaining efficiency of the online financial service is improved.
In the method provided by the embodiment of the invention, when the activation information of the online financial service sent by the user is received, the characteristic information of the user is extracted; determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. According to the method, the personalized reward rule is customized for the user, the recommendation activity corresponding to the reward rule is generated, and the activity reward can be issued to the user when the user shares the recommendation activity with the specified client, so that the sharing range of the online financial service can be expanded through the sharing of the user, the limitation of the propaganda range of the online financial service is effectively broken through, the possibility of obtaining the client is improved, the client obtaining efficiency of the online financial service is further improved, the invested cost is low, the obtained client reliability is higher, a benign cyclic effect can be achieved through the continuous sharing mode of the user, and the client obtaining efficiency of the online financial service can be expanded.
Corresponding to the method shown in fig. 1, an embodiment of the present invention provides a sharing device for online financial services, which can be applied to a computer terminal, and is used to support the application of the method shown in fig. 1 in real life, and a schematic structural diagram of the device is shown in fig. 5, which is described in detail as follows:
an extracting unit 501, configured to extract feature information of a user when receiving activation information of an online financial service sent by the user;
a first determining unit 502, configured to determine, according to the feature information, an incentive rule corresponding to the user, and generate an activity set corresponding to the incentive rule, where the activity set includes at least one recommended activity corresponding to the online financial service;
a pushing unit 503, configured to push the activity set to the user, so as to determine at least one recommended activity selected by the user in the activity set;
the sharing unit 504 is configured to, for each recommended activity selected by the user, determine that the user completes the recommended activity when the user shares the recommended activity with a client specified by the recommended activity, and issue an activity reward corresponding to the recommended activity to the user.
In the device provided by the embodiment of the invention, when the activation information of online finance sent by a user is received, the characteristic information of the user is extracted; determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service; pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set; and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user. Customizing an individualized reward rule for the user based on the characteristic information of the user, and generating a recommendation set corresponding to the reward rule; for each recommended activity selected by the user in the recommendation set, when the user shares the recommended activity with the corresponding client, the user is determined to complete the recommended activity, and the user is rewarded with the shared activity, so that the propaganda range of the online financial service can be expanded, the possibility of the online financial service getting customers can be expanded, and the customer getting efficiency of the online financial service can be improved.
In the apparatus provided in the embodiment of the present invention, the apparatus may further be configured to:
the judging unit is used for judging whether the user is a new user or not;
a second determining unit configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
and the obtaining unit is used for obtaining a user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user and the inviter, issuing a preset new person reward to the user, and issuing a corresponding activity reward to the inviter and the user based on a reward rule of the inviter.
In the apparatus provided in the embodiment of the present invention, the first determining unit 502 may be configured to:
the evaluation subunit is used for evaluating the customer obtaining capacity of the user based on the characteristic information of the user to obtain the customer obtaining evaluation level of the user;
and the first determining subunit is used for determining each reward mode corresponding to the user in a preset reward database based on the visitor obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user based on each reward mode.
In the apparatus provided in the embodiment of the present invention, the first determining unit 502 may be configured to:
the second determining subunit is used for determining each reward mode in the reward rule;
the generating subunit is used for generating a recommended activity corresponding to the online financial service according to the characteristic information and the activity content of the online financial service for each rewarding mode;
and the obtaining subunit is used for obtaining an activity set corresponding to the reward rule based on each recommended activity.
In the apparatus provided in the embodiment of the present invention, the determining unit may be configured to:
an obtaining subunit, configured to obtain user information of the user;
and the traversal subunit is used for traversing each activated user information in a preset user information base, determining that the user is a new user when the activated user information identical to the user information does not exist in the user information base, and storing the user information serving as the activated user information into the user information base.
In the apparatus provided in the embodiment of the present invention, the second determining unit may be configured to:
the analysis subunit is used for analyzing the activation information and determining whether the activation information contains an invitation identifier;
and the third determining subunit is configured to determine that the user is an invited user if the activation information includes an invitation identifier.
The embodiment of the present invention further provides a storage medium, where the storage medium includes a stored instruction, where when the instruction runs, the apparatus where the storage medium is located is controlled to perform the following operations:
when receiving activation information of online financial services sent by a user, extracting characteristic information of the user;
determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set;
and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
An electronic device is provided in an embodiment of the present invention, and the structural diagram of the electronic device is shown in fig. 6, which specifically includes a memory 601 and one or more instructions 602, where the one or more instructions 602 are stored in the memory 601 and configured to be executed by one or more processors 603 to perform the following operations on the one or more instructions 602:
when receiving activation information of online financial services sent by a user, extracting characteristic information of the user;
determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set;
and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
The specific implementation procedures and derivatives thereof of the above embodiments are within the scope of the present invention.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A sharing method of online financial services is characterized by comprising the following steps:
when receiving activation information of online financial services sent by a user, extracting characteristic information of the user;
determining an incentive rule corresponding to the user according to the characteristic information, and generating an activity set corresponding to the incentive rule, wherein the activity set comprises at least one recommended activity corresponding to the online financial service;
pushing the activity set to the user to determine at least one recommended activity selected by the user in the activity set;
and for each recommended activity selected by the user, determining that the user completes the recommended activity when the user shares the recommended activity with the client specified by the recommended activity, and issuing an activity reward corresponding to the recommended activity to the user.
2. The method according to claim 1, wherein before extracting the feature information of the user, further comprising:
judging whether the user is a new user;
if the user is a new user, determining whether the user is an invited user based on the activation information;
and if the user is an invited user, acquiring a user invitation code in the activation information, determining an inviter based on the invitation code, binding the user and the inviter, issuing preset new person rewards to the user, and issuing corresponding activity rewards to the inviter and the user based on reward rules of the inviter.
3. The method of claim 1, wherein determining the reward rule corresponding to the user according to the characteristic information comprises:
evaluating the customer acquisition capacity of the user based on the characteristic information of the user to obtain a customer acquisition evaluation grade of the user;
and determining each reward mode corresponding to the user in a preset reward database based on the customer obtaining evaluation level and the characteristic information of the user, and forming a reward rule corresponding to the user based on each reward mode.
4. The method of claim 3, wherein generating the set of activities corresponding to the reward rule comprises:
determining each reward mode in the reward rules;
for each reward mode, generating a recommended activity corresponding to the online financial service based on the characteristic information and the activity content of the online financial service;
and obtaining an activity set corresponding to the reward rule based on each recommended activity.
5. The method of claim 2, wherein the determining whether the user is a new user comprises:
acquiring user information of the user;
traversing each activated user information in a preset user information base, determining the user as a new user when the activated user information identical to the user information does not exist in the user information base, and storing the user information as the activated user information in the user information base.
6. The method of claim 2, wherein the determining whether the user is an invited user based on the activation information comprises:
analyzing the activation information, and determining whether the activation information contains an invitation identifier;
and if the activation information contains an invitation identifier, determining that the user is an invited user.
7. An online financial transaction sharing device, comprising:
the system comprises an extraction unit, a processing unit and a processing unit, wherein the extraction unit is used for extracting the characteristic information of a user when receiving the activation information of the online financial service sent by the user;
a first determining unit, configured to determine, according to the feature information, an incentive rule corresponding to the user, and generate an activity set corresponding to the incentive rule, where the activity set includes at least one recommended activity corresponding to the online financial service;
the pushing unit is used for pushing the activity set to the user so as to determine at least one recommended activity selected by the user in the activity set;
and the sharing unit is used for determining that the user completes the recommended activity and issuing an activity reward corresponding to the recommended activity to the user when the user shares the recommended activity with the client specified by the recommended activity for each recommended activity selected by the user.
8. The apparatus of claim 7, further comprising:
the judging unit is used for judging whether the user is a new user or not;
a second determining unit configured to determine, if the user is a new user, whether the user is an invited user based on the activation information;
and the obtaining unit is used for obtaining a user invitation code in the activation information if the user is an invited user, determining an inviter based on the invitation code, binding the user and the inviter, issuing a preset new person reward to the user, and issuing a corresponding activity reward to the inviter and the user based on a reward rule of the inviter.
9. A storage medium, comprising stored instructions, wherein when executed, the storage medium controls a device to perform the method for sharing an online financial transaction according to any one of claims 1 to 6.
10. An electronic device comprising a memory and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the method for sharing of online financial transactions according to any one of claims 1 to 6.
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