CN111681093A - A method, apparatus and electronic device for displaying resource pages - Google Patents
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Abstract
Description
技术领域technical field
本申请涉及计算机领域,尤其涉及一种展示资源页面的方法、装置和电子设备。The present application relates to the field of computers, and in particular, to a method, apparatus and electronic device for displaying resource pages.
背景技术Background technique
随着互联网的发展,产生了在线上进行配置资源的方式,这个过程往往通过页面交互来实现,资源的需求用户通过网页输入请求的资源额度,进行试算,并根据试算结果向用户展示资源页面,用户认可试算结果后便可以为其配置资源。With the development of the Internet, there is a way of configuring resources online. This process is often realized through page interaction. The user enters the requested resource quota through the webpage, conducts trial calculations, and displays resources to users according to the trial calculation results. page, users can configure resources for them after accepting the trial calculation results.
这种方式直接根据资源的需求用户输入的资源额度进行试算,灵活性较差,因此有必要提供一种新的展示资源页面的方法,以提高灵活性。This method directly performs trial calculation according to the resource quota input by the user, which is less flexible. Therefore, it is necessary to provide a new method for displaying resource pages to improve flexibility.
发明内容SUMMARY OF THE INVENTION
本说明书实施例提供一种展示资源页面的方法、装置和电子设备,用以解决展示资源页面的方法灵活性差的问题。Embodiments of the present specification provide a method, an apparatus, and an electronic device for displaying a resource page, so as to solve the problem of poor flexibility in the method for displaying a resource page.
本说明书实施例提供一种展示资源页面的方法,包括:An embodiment of this specification provides a method for displaying a resource page, including:
构建资源配置策略,所述资源配置策略具有与用户类型相对应的多个配置规则;constructing a resource configuration strategy, the resource configuration strategy has a plurality of configuration rules corresponding to user types;
响应于当前用户的资源配置请求,确定所述当前用户的用户类型;In response to the resource configuration request of the current user, determining the user type of the current user;
利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果;Perform trial calculation for the current user by using the configuration rule corresponding to the user type of the current user, and generate a request result under the resource configuration request;
基于所述请求结果生成资源页面信息,向所述当前用户的客户端返回所述资源页面信息,所述当前用户的客户端基于所述资源页面信息生成并展示与所述当前用户的用户类型相适应的资源页面。Generate resource page information based on the request result, return the resource page information to the client of the current user, and the client of the current user generates and displays the user type of the current user based on the resource page information. Adapted resource page.
可选地,所述构建资源配置策略,包括:Optionally, the constructing a resource allocation strategy includes:
利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型。The user type corresponding to each configuration rule in the resource configuration policy is configured by using the service state of the user.
可选地,还包括:Optionally, also include:
向当前用户的客户端发送业务页面信息,通过所述业务页面收用户操作生成资源配置请求,向服务器发送所述资源配置请求。The service page information is sent to the client of the current user, a resource configuration request is generated by receiving user operations through the service page, and the resource configuration request is sent to the server.
可选地,所述资源配置请求中携带所述当前用户请求的资源额度信息。Optionally, the resource configuration request carries resource quota information requested by the current user.
可选地,所述向当前用户的客户端发送业务页面信息,包括:Optionally, the sending of business page information to the client of the current user includes:
向当前用户发送携带额度监测规则的业务页面信息;Send the business page information carrying the quota monitoring rules to the current user;
所述通过所述业务页面收用户操作生成资源配置请求,包括:The generating a resource configuration request by receiving user operations through the business page includes:
利用所述业务页面信息生成业务页面并执行所述额度监测规则,包括:Use the business page information to generate a business page and execute the quota monitoring rules, including:
当用户输入的资源额度符合所述额度监测规则时,利用用户输入的资源额度生成资源配置请求;When the resource quota input by the user complies with the quota monitoring rule, generate a resource allocation request by using the resource quota input by the user;
当用户输入的资源额度不符合所述额度监测规则时,生成提示信息。When the resource quota input by the user does not conform to the quota monitoring rule, a prompt message is generated.
可选地,所述多个配置规则的资源成本不同。Optionally, the resource costs of the multiple configuration rules are different.
可选地,所述资源配置请求下的请求结果包括还款计划。Optionally, the request result under the resource configuration request includes a repayment plan.
可选地,所述利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型,包括:Optionally, the user type corresponding to each configuration rule in the resource configuration policy is configured using the user's business state, including:
结合所述当前用户的当前业务状态及所述当前业务状态与上一个业务状态的时间间隔预测所述当前用户的用户类型;Predicting the user type of the current user in combination with the current service state of the current user and the time interval between the current service state and the previous service state;
基于预测的所述用户类型配置所述资源配置策略中与各配置规则相对应的用户类型。The user types corresponding to each configuration rule in the resource configuration policy are configured based on the predicted user types.
本说明书实施例还提供一种展示资源页面的装置,包括:The embodiment of this specification also provides an apparatus for displaying a resource page, including:
资源配置策略模块,构建资源配置策略,所述资源配置策略具有与用户类型相对应的多个配置规则;a resource configuration policy module, for constructing a resource configuration policy, the resource configuration policy has a plurality of configuration rules corresponding to user types;
页面交互模块,响应于当前用户的资源配置请求,确定所述当前用户的用户类型;The page interaction module, in response to the resource configuration request of the current user, determines the user type of the current user;
利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果;Perform trial calculation for the current user by using the configuration rule corresponding to the user type of the current user, and generate a request result under the resource configuration request;
基于所述请求结果生成资源页面信息,向所述当前用户的客户端返回所述资源页面信息,所述当前用户的客户端基于所述资源页面信息生成并展示与所述当前用户的用户类型相适应的资源页面。Generate resource page information based on the request result, return the resource page information to the client of the current user, and the client of the current user generates and displays the user type of the current user based on the resource page information. Adapted resource page.
可选地,所述构建资源配置策略,包括:Optionally, the constructing a resource allocation strategy includes:
利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型。The user type corresponding to each configuration rule in the resource configuration policy is configured by using the service state of the user.
可选地,所述页面交互模块,还用于:Optionally, the page interaction module is also used for:
向当前用户的客户端发送业务页面信息,通过所述业务页面收用户操作生成资源配置请求,向服务器发送所述资源配置请求。The service page information is sent to the client of the current user, a resource configuration request is generated by receiving user operations through the service page, and the resource configuration request is sent to the server.
可选地,所述资源配置请求中携带所述当前用户请求的资源额度信息。Optionally, the resource configuration request carries resource quota information requested by the current user.
可选地,所述向当前用户的客户端发送业务页面信息,包括:Optionally, the sending of business page information to the client of the current user includes:
向当前用户发送携带额度监测规则的业务页面信息;Send the business page information carrying the quota monitoring rules to the current user;
所述通过所述业务页面收用户操作生成资源配置请求,包括:The generating a resource configuration request by receiving user operations through the business page includes:
利用所述业务页面信息生成业务页面并执行所述额度监测规则,包括:Use the business page information to generate a business page and execute the quota monitoring rules, including:
当用户输入的资源额度符合所述额度监测规则时,利用用户输入的资源额度生成资源配置请求;When the resource quota input by the user complies with the quota monitoring rule, generate a resource allocation request by using the resource quota input by the user;
当用户输入的资源额度不符合所述额度监测规则时,生成提示信息。When the resource quota input by the user does not conform to the quota monitoring rule, a prompt message is generated.
可选地,所述多个配置规则的资源成本不同。Optionally, the resource costs of the multiple configuration rules are different.
可选地,所述资源配置请求下的请求结果包括还款计划。Optionally, the request result under the resource configuration request includes a repayment plan.
可选地,所述利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型,包括:Optionally, the user type corresponding to each configuration rule in the resource configuration policy is configured using the user's business state, including:
结合所述当前用户的当前业务状态及所述当前业务状态与上一个业务状态的时间间隔预测所述当前用户的用户类型;Predicting the user type of the current user in combination with the current service state of the current user and the time interval between the current service state and the previous service state;
基于预测的所述用户类型配置所述资源配置策略中与各配置规则相对应的用户类型。The user types corresponding to each configuration rule in the resource configuration policy are configured based on the predicted user types.
本说明书实施例还提供一种电子设备,其中,该电子设备包括:The embodiments of this specification also provide an electronic device, wherein the electronic device includes:
处理器;以及,processor; and,
存储计算机可执行指令的存储器,所述可执行指令在被执行时使所述处理器执行上述任一项方法。A memory storing computer-executable instructions that, when executed, cause the processor to perform any of the methods described above.
本说明书实施例还提供一种计算机可读存储介质,其中,所述计算机可读存储介质存储一个或多个程序,所述一个或多个程序当被处理器执行时,实现上述任一项方法。Embodiments of the present specification further provide a computer-readable storage medium, wherein the computer-readable storage medium stores one or more programs, and the one or more programs, when executed by a processor, implement any one of the foregoing methods .
本说明书实施例提供的各种技术方案通过构建具有多个配置规则的资源配置策略,使配置规则与用户类型相对应,从而在当前用户发送资源配置请求时,可以确定其用户类型,利用对应的配置规则进行试算,从而生成请求结果并向用户返回资源页面信息,使其获知与其类型相适应的资源请求结果,由于在试算时确定请求配置资源的用户类型,利用与用户类型相对应的配置规则进行试算,使得试算得到的资源请求结果与用户类型相适应,提高了灵活性。The various technical solutions provided in the embodiments of this specification make the configuration rules correspond to the user types by constructing a resource configuration policy with multiple configuration rules, so that when the current user sends a resource configuration request, the user type can be determined, and the corresponding user type can be determined by using the corresponding user type. Trial calculation of configuration rules is performed to generate request results and return resource page information to users, so that they can know the resource request results suitable for their types. The configuration rules are used for trial calculation, so that the resource request result obtained by the trial calculation is suitable for the user type, and the flexibility is improved.
附图说明Description of drawings
此处所说明的附图用来提供对本申请的进一步理解,构成本申请的一部分,本申请的示意性实施例及其说明用于解释本申请,并不构成对本申请的不当限定。在附图中:The drawings described herein are used to provide further understanding of the present application and constitute a part of the present application. The schematic embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation of the present application. In the attached image:
图1为本说明书实施例提供的一种展示资源页面的方法的原理示意图;FIG. 1 is a schematic diagram of the principle of a method for displaying a resource page provided by an embodiment of the present specification;
图2为本说明书实施例提供的一种展示资源页面的装置的结构示意图;FIG. 2 is a schematic structural diagram of an apparatus for displaying a resource page according to an embodiment of the present specification;
图3为本说明书实施例提供的一种电子设备的结构示意图;3 is a schematic structural diagram of an electronic device according to an embodiment of the present specification;
图4为本说明书实施例提供的一种计算机可读介质的原理示意图。FIG. 4 is a schematic schematic diagram of a computer readable medium provided by an embodiment of the present specification.
具体实施方式Detailed ways
对现有技术进行分析发现,现有技术在展示资源页面前,往往只是以用户在页面中输入的额度来进行试算,试算规则单一,无法考量用户本身对失算结果的影响,即使在不同类型的用户输入相同的额度进行试算时,会得到相同的结果,灵活性较差。The analysis of the existing technology shows that before displaying the resource page, the existing technology often only uses the quota entered by the user on the page to perform trial calculation. When users of different types input the same amount for trial calculation, they will get the same result, which is less flexible.
对此,本说明书实施例提供一种展示资源页面的方法,包括:In this regard, an embodiment of this specification provides a method for displaying a resource page, including:
构建资源配置策略,所述资源配置策略具有与用户类型相对应的多个配置规则;constructing a resource configuration strategy, the resource configuration strategy has a plurality of configuration rules corresponding to user types;
响应于当前用户的资源配置请求,确定所述当前用户的用户类型;In response to the resource configuration request of the current user, determining the user type of the current user;
利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果;Perform trial calculation for the current user by using the configuration rule corresponding to the user type of the current user, and generate a request result under the resource configuration request;
基于所述请求结果生成资源页面信息,向所述当前用户的客户端返回所述资源页面信息,所述当前用户的客户端基于所述资源页面信息生成并展示与所述当前用户的用户类型相适应的资源页面。Generate resource page information based on the request result, return the resource page information to the client of the current user, and the client of the current user generates and displays the user type of the current user based on the resource page information. Adapted resource page.
通过构建具有多个配置规则的资源配置策略,使配置规则与用户类型相对应,从而在当前用户发送资源配置请求时,可以确定其用户类型,利用对应的配置规则进行试算,从而生成请求结果并向用户返回资源页面信息,使其获知与其类型相适应的资源请求结果,由于在试算时确定请求配置资源的用户类型,利用与用户类型相对应的配置规则进行试算,使得试算得到的资源请求结果与用户类型相适应,提高了灵活性。By constructing a resource configuration policy with multiple configuration rules, the configuration rules correspond to the user types, so that when the current user sends a resource configuration request, the user type can be determined, and the corresponding configuration rules can be used for trial calculation to generate the request result. The resource page information is returned to the user, so that it can know the resource request result suitable for its type. Since the user type requesting the configuration resource is determined during the trial calculation, and the configuration rule corresponding to the user type is used to perform the trial calculation, so that the trial calculation can be obtained. The result of the resource request is adapted to the user type, which improves flexibility.
现在将参考附图更全面地描述本发明的示例性实施例。然而,示例性实施例能够以多种形式实施,且不应被理解为本发明仅限于在此阐述的实施例。相反,提供这些示例性实施例能够使得本发明更加全面和完整,更加便于将发明构思全面地传达给本领域的技术人员。在图中相同的附图标记表示相同或类似的元件、组件或部分,因而将省略对它们的重复描述。Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings. Exemplary embodiments, however, can be embodied in various forms and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the inventive concept to those skilled in the art. The same reference numerals in the drawings denote the same or similar elements, components or parts, and thus their repeated descriptions will be omitted.
在符合本发明的技术构思的前提下,在某个特定的实施例中描述的特征、结构、特性或其他细节不排除可以以合适的方式结合在一个或更多其他的实施例中。Features, structures, characteristics or other details described in a particular embodiment do not exclude that they can be combined in a suitable manner in one or more other embodiments, provided that the technical idea is consistent with the present invention.
在对于具体实施例的描述中,本发明描述的特征、结构、特性或其他细节是为了使本领域的技术人员对实施例进行充分理解。但是,并不排除本领域技术人员可以实践本发明的技术方案而没有特定特征、结构、特性或其他细节的一个或更多。In the description of specific embodiments, features, structures, characteristics or other details of the present invention are described in order to enable those skilled in the art to fully understand the embodiments. However, it is not excluded that one skilled in the art may practice the technical solutions of the present invention without one or more of the specific features, structures, characteristics or other details.
附图中所示的流程图仅是示例性说明,不是必须包括所有的内容和操作/步骤,也不是必须按所描述的顺序执行。例如,有的操作/步骤还可以分解,而有的操作/步骤可以合并或部分合并,因此实际执行的顺序有可能根据实际情况改变。The flowcharts shown in the figures are only exemplary illustrations and do not necessarily include all contents and operations/steps, nor do they have to be performed in the order described. For example, some operations/steps can be decomposed, and some operations/steps can be combined or partially combined, so the actual execution order may be changed according to the actual situation.
附图中所示的方框图仅仅是功能实体,不一定必须与物理上独立的实体相对应。即,可以采用软件形式来实现这些功能实体,或在一个或多个硬件模块或集成电路中实现这些功能实体,或在不同网络和/或处理器装置和/或微控制器装置中实现这些功能实体。The block diagrams shown in the figures are merely functional entities and do not necessarily necessarily correspond to physically separate entities. That is, these functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices entity.
术语“和/或”或者“及/或”包括相关联的列出项目中的任一个或多者的所有组合。The term "and/or" or "and/or" includes all combinations of any one or more of the associated listed items.
图1为本说明书实施例提供的一种展示资源页面的方法的原理示意图,该方法可以包括:FIG. 1 is a schematic diagram of the principle of a method for displaying a resource page according to an embodiment of the present specification, and the method may include:
S101:构建资源配置策略,所述资源配置策略具有与用户类型相对应的多个配置规则。S101: Build a resource configuration policy, where the resource configuration policy has multiple configuration rules corresponding to user types.
在本说明书实施例中,可以预先对用户类型进行划分,具体的,可以结合用户的业务状态划分用户类型。In the embodiment of this specification, the user types may be divided in advance, and specifically, the user types may be divided according to the service status of the users.
其中,用户的业务状态可以是用户在业务中的节点,比如:未登录用户、已注册用户、完件用户、授信用户、动支用户等;用户的业务状态也可以是用户的风险等级,在此不做详细阐述。Among them, the user's business status can be the node of the user in the business, such as: unlogged user, registered user, completed user, credit user, mobile support user, etc.; the user's business status can also be the user's risk level, in This is not elaborated.
其中,结合用户的业务状态划分用户类型,可以是直接根据用户当前的业务状态来划分用户类型。The user type is divided according to the service state of the user, and the user type may be divided directly according to the current service state of the user.
考虑到一种实际场景,对于业务中具有多个业务状态,而用户业务状态发生更新的用户,如果其用户状态更新的越快,表明这种用户参与业务的概率越大,对业务的依赖也就越大,所以,我们也可以根据这种特征来划分用户类型。Considering a practical scenario, for a user with multiple service states in the service, and the user service state is updated, the faster the user state is updated, the greater the probability of this user participating in the service, and the greater the dependence on the service. The bigger it is, so we can also divide user types according to this feature.
其中,结合用户的业务状态划分用户类型,也可以结合用户的多个业务状态信息来确定。The user type is divided according to the service status of the user, and may also be determined according to multiple service status information of the user.
因此,在本说明书实施例中,所述利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型,可以包括:Therefore, in the embodiment of this specification, the user type corresponding to each configuration rule in the resource configuration policy configured by the service state of the user may include:
结合用户的当前业务状态及所述当前业务状态与上一个业务状态的时间间隔划分用户的用户类型;Divide the user type of the user in combination with the current service state of the user and the time interval between the current service state and the previous service state;
基于预测的所述用户类型配置所述资源配置策略中与各配置规则相对应的用户类型。The user types corresponding to each configuration rule in the resource configuration policy are configured based on the predicted user types.
这样,可以使得用户类型反映用户对业务的活跃程度。In this way, the user type can be made to reflect the activity level of the user to the service.
当然,也可以利用多个用户状态各用户状态之间的时间间隔,收集样本用户信息,利用机器学习的方式构建用户类型预测模型。Of course, the time interval between multiple user states can also be used to collect sample user information, and use machine learning to build a user type prediction model.
因此,在本说明书实施例中,该方法还可以包括:Therefore, in this embodiment of the present specification, the method may further include:
利用机器学习的方式构建用户类型预测模型,包括:Use machine learning to build a user type prediction model, including:
收集样本用户的多个业务状态信息、各用户状态之间的时间间隔和所属样本用户的还款结果数据;Collect multiple business status information of sample users, the time interval between each user status, and the repayment result data of the sample users;
利用所述多个业务状态信息、各用户状态之间的时间间隔和所属样本用户的还款结果数据,以机器学习的方式构建用户类型预测模型。Using the plurality of business state information, the time interval between the states of each user, and the repayment result data of the sample users to which they belong, a user type prediction model is constructed by means of machine learning.
在本说明书实施例中,资源配置策略中包括用于进行试算的多个配置规则,不同的配置规则对应不同的用户类型。In the embodiment of this specification, the resource configuration policy includes a plurality of configuration rules for trial calculation, and different configuration rules correspond to different user types.
这样,在进行试算时,可以兼顾用户本身的影响,从而使得试算结果与用户类型相适应,对于不同类型的用户,向其返回不同的试算结果。In this way, during the trial calculation, the influence of the user itself can be taken into account, so that the trial calculation result is adapted to the user type, and different trial calculation results are returned to different types of users.
因此,在本说明书实施例中,所述构建资源配置策略,包括:Therefore, in the embodiment of this specification, the construction of the resource allocation strategy includes:
利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型。The user type corresponding to each configuration rule in the resource configuration policy is configured by using the service state of the user.
考虑到实际场景中,不用用户的金融资质、财务能力都可能存在差异,因此,本着风险与收益对等的原则,我们可以为不同的资源配置规则配置不同的资源成本。Considering that in actual scenarios, there may be differences in the financial qualifications and financial capabilities of users. Therefore, based on the principle of equal risk and benefit, we can configure different resource costs for different resource allocation rules.
因此,在本说明书实施例中,所述多个配置规则的资源成本不同。Therefore, in the embodiment of this specification, the resource costs of the multiple configuration rules are different.
其中,配置规则可以对资源偿还计划进行试算。Among them, the configuration rule can perform trial calculation on the resource repayment plan.
具体的,可以是对还款计划进行试算,比如,分几期偿还,每期偿还多少额度等。Specifically, it can be a trial calculation of the repayment plan, for example, how many installments to repay and how much to repay each installment.
S102:响应于当前用户的资源配置请求,确定所述当前用户的用户类型。S102: In response to the resource configuration request of the current user, determine the user type of the current user.
在本说明书实施例中,该方法还可以包括:In the embodiment of this specification, the method may further include:
向当前用户的客户端发送业务页面信息,通过所述业务页面收用户操作生成资源配置请求,向服务器发送所述资源配置请求。The service page information is sent to the client of the current user, a resource configuration request is generated by receiving user operations through the service page, and the resource configuration request is sent to the server.
通过向用户提供业务页面,使得用户可以通过业务页面请求配置资源。By providing the business page to the user, the user can request configuration resources through the business page.
其中,业务页面中可以具有额度组件,用于根据用户操作生成资源额度信息。The business page may have a quota component for generating resource quota information according to user operations.
因此,在本说明书实施例中,所述资源配置请求中可以携带所述当前用户请求的资源额度信息。Therefore, in the embodiment of this specification, the resource configuration request may carry the resource quota information requested by the current user.
这样,便可以结合该当前用户的用户类型基于当前用户请求的资源额度进行试算。In this way, a trial calculation can be performed based on the resource quota requested by the current user in combination with the user type of the current user.
在本说明书中,为了在客户端本地监测用户输入的资源额度是否过大、过小,或者输入的额度不是整数,可以为业务页面配置额度监测规则。In this specification, in order to locally monitor whether the resource quota input by the user is too large or too small, or the input quota is not an integer, quota monitoring rules can be configured for the business page.
因此,在本说明书实施例中,所述向当前用户的客户端发送业务页面信息,包括:Therefore, in the embodiment of this specification, the sending of service page information to the client of the current user includes:
向当前用户发送携带额度监测规则的业务页面信息;Send the business page information carrying the quota monitoring rules to the current user;
所述通过所述业务页面收用户操作生成资源配置请求,包括:The generating a resource configuration request by receiving user operations through the business page includes:
利用所述业务页面信息生成业务页面并执行所述额度监测规则,包括:Use the business page information to generate a business page and execute the quota monitoring rules, including:
当用户输入的资源额度符合所述额度监测规则时,利用用户输入的资源额度生成资源配置请求;When the resource quota input by the user complies with the quota monitoring rule, generate a resource allocation request by using the resource quota input by the user;
当用户输入的资源额度不符合所述额度监测规则时,生成提示信息。When the resource quota input by the user does not conform to the quota monitoring rule, a prompt message is generated.
这样,客户端在展示业务页面时便可以执行额度监测规则,判断用户输入的额度是否符合条件。In this way, the client can execute the quota monitoring rules when displaying the business page, and determine whether the quota entered by the user meets the conditions.
其中,确定所述当前用户的用户类型,可以是结合S101中划分用户类型的依据收集当前用户的用户信息,根据收集的用户信息确定当前用户的用户类型。The user type of the current user may be determined by collecting user information of the current user in combination with the basis for dividing the user type in S101, and determining the user type of the current user according to the collected user information.
因此,确定所述当前用户的用户类型,可以是根据用户当前的业务状态确定当前用户的用户类型。Therefore, determining the user type of the current user may be determining the user type of the current user according to the current service status of the user.
在本说明书实施例中,若S101中利用机器学习的方式构建了用户类型预测模型;则确定所述当前用户的用户类型,可以包括:In the embodiment of this specification, if a user type prediction model is constructed by means of machine learning in S101; then determining the user type of the current user may include:
收集当前用户的多个业务状态信息、各用户状态之间的时间间隔和所属样本用户的还款结果数据;Collect multiple business status information of the current user, the time interval between the statuses of each user, and the repayment result data of the sample users to which they belong;
利用所述多个业务状态信息、各用户状态之间的时间间隔和所属样本用户的还款结果数据及构建的用户类型预测模型预测所述当前用户的用户类型。The user type of the current user is predicted by using the plurality of service status information, the time interval between the user statuses, the repayment result data of the sample users to which they belong, and the constructed user type prediction model.
S103:利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果。S103: Perform trial calculation for the current user by using the configuration rule corresponding to the user type of the current user, and generate a request result under the resource configuration request.
利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果后,由于用户类型可以反映用户对业务的活跃度和使用资源的紧迫程度,利用这种用户类型对应的配置规则进行试算,可以使得试算生成的请求结果能够兼顾用户对业务的依赖,从而进一步提高了灵活性。Use the configuration rule corresponding to the user type of the current user to perform trial calculation for the current user, and after generating the request result under the resource configuration request, because the user type can reflect the user's activity on services and use of resources. Depending on the urgency, using the configuration rules corresponding to this user type to perform trial calculations can make the request results generated by the trial calculations take into account the user's dependence on services, thereby further improving flexibility.
其中,所述资源配置请求下的请求结果可以包括还款计划。The request result under the resource configuration request may include a repayment plan.
其中,还款计划可以包括还款方式和还款额度,还款方式可以是等额本金,或者等本等息,甚至是先息后本(即每月还利息,最后一期还本金),在此不作详述。Among them, the repayment plan can include the repayment method and repayment amount, and the repayment method can be equal principal, or equal principal and equal interest, or even interest first and then principal (that is, interest is paid every month, and the principal is paid in the last installment) , which will not be described in detail here.
对于一种场景,若S102中利用所述多个业务状态信息、各用户状态之间的时间间隔和所属样本用户的还款结果数据及构建的用户类型预测模型预测所述当前用户的用户类型,那么,S103中生成的请求结果可以反映当前用户的对资源的需求紧迫程度,比如,用户状态间隔时间短的用户,试算后,得到的还款计划的还款时间短。For a scenario, if in S102, the user type of the current user is predicted by using the plurality of service status information, the time interval between the user statuses, the repayment result data of the sample user to which they belong, and the constructed user type prediction model, Then, the request result generated in S103 can reflect the urgency of the current user's demand for resources. For example, for a user whose user status interval is short, the repayment plan obtained after trial calculation has a short repayment time.
S104:基于所述请求结果生成资源页面信息,向所述当前用户的客户端返回所述资源页面信息,所述当前用户的客户端基于所述资源页面信息生成并展示与所述当前用户的用户类型相适应的资源页面。S104: Generate resource page information based on the request result, return the resource page information to the client of the current user, and the client of the current user generates and displays the user of the current user based on the resource page information Type appropriate resource pages.
通过构建具有多个配置规则的资源配置策略,使配置规则与用户类型相对应,从而在当前用户发送资源配置请求时,可以确定其用户类型,利用对应的配置规则进行试算,从而生成请求结果并向用户返回资源页面信息,使其获知与其类型相适应的资源请求结果,试算时兼顾了用户类型,提高了灵活性。By constructing a resource configuration policy with multiple configuration rules, the configuration rules correspond to the user types, so that when the current user sends a resource configuration request, the user type can be determined, and the corresponding configuration rules can be used for trial calculation to generate the request result. The resource page information is returned to the user, so that it can know the resource request result suitable for its type, and the user type is taken into account during the trial calculation, which improves the flexibility.
以按照用户的业务状态划分用户类型为例,在应用场景中,不同业务状态的用户输入相同的资源额度时,会得到显示不同还款计划的资源页面,同一个用户在处于不用的业务状态时,分别输入相同的资源额度,也会得到显示有不同还款计划的资源页面。Taking the user type according to the user's business status as an example, in the application scenario, when users with different business statuses enter the same resource quota, they will get a resource page that displays different repayment plans. When the same user is in a different business status , enter the same resource quota respectively, and you will also get a resource page with different repayment plans.
对于上述实施例其他具体的应用场景,在此不做详细阐述。Other specific application scenarios of the foregoing embodiments are not described in detail here.
在用户得到与其用户类型相适应的资源页面后,便可以选择配置资源,对于此,可以是在资源页面中配置有供用户操作的图标,当用户对该图标进行操作时,服务器便获知该用户操作从而根据其请求的资源额度为其配置资源。After the user obtains the resource page suitable for his user type, he can choose to configure the resource. For this, an icon for the user to operate can be configured on the resource page. When the user operates the icon, the server will know the user. The action thus configures it with resources based on its requested resource quota.
因此,所述展示与所述当前用户的用户类型相适应的资源页面,可以包括:Therefore, the displaying a resource page suitable for the user type of the current user may include:
展示基于试算生成的所述请求结果和资源配置图标,所述资源配置图标响应于所述当前用户操作向服务器发送配置施行请求,服务器响应于所述配置施行请求为所述当前用户配置资源。The request result and a resource configuration icon generated based on the trial calculation are displayed, the resource configuration icon sends a configuration execution request to the server in response to the current user operation, and the server configures resources for the current user in response to the configuration execution request.
图2为本说明书实施例提供的一种展示资源页面的装置的结构示意图,该装置可以包括:FIG. 2 is a schematic structural diagram of an apparatus for displaying a resource page according to an embodiment of the present specification, and the apparatus may include:
资源配置策略模块201,构建资源配置策略,所述资源配置策略具有与用户类型相对应的多个配置规则;Resource
页面交互模块202,响应于当前用户的资源配置请求,确定所述当前用户的用户类型;The
利用与所述当前用户的用户类型相对应的配置规则为所述当前用户进行试算,生成所述资源配置请求下的请求结果;Perform trial calculation for the current user by using the configuration rule corresponding to the user type of the current user, and generate a request result under the resource configuration request;
基于所述请求结果生成资源页面信息,向所述当前用户的客户端返回所述资源页面信息,所述当前用户的客户端基于所述资源页面信息生成并展示与所述当前用户的用户类型相适应的资源页面。Generate resource page information based on the request result, return the resource page information to the client of the current user, and the client of the current user generates and displays the user type of the current user based on the resource page information. Adapted resource page.
在本说明书实施例中,所述构建资源配置策略,包括:In the embodiment of this specification, the construction of the resource configuration strategy includes:
利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型。The user type corresponding to each configuration rule in the resource configuration policy is configured by using the service state of the user.
在本说明书实施例中,可以预先对用户类型进行划分,具体的,可以结合用户的业务状态划分用户类型。In the embodiment of this specification, the user types may be divided in advance, and specifically, the user types may be divided according to the service status of the users.
结合用户的业务状态划分用户类型,可以是直接根据用户当前的业务状态来划分用户类型。The user type is divided according to the service state of the user, and the user type may be divided directly according to the current service state of the user.
在本说明书实施例中,页面交互模块202,还可以用于:In the embodiment of this specification, the
向当前用户的客户端发送业务页面信息,通过所述业务页面收用户操作生成资源配置请求,向服务器发送所述资源配置请求。The service page information is sent to the client of the current user, a resource configuration request is generated by receiving user operations through the service page, and the resource configuration request is sent to the server.
在本说明书实施例中,所述资源配置请求中携带所述当前用户请求的资源额度信息。In the embodiment of this specification, the resource configuration request carries the resource quota information requested by the current user.
在本说明书实施例中,所述向当前用户的客户端发送业务页面信息,包括:In the embodiment of this specification, the sending of service page information to the client of the current user includes:
向当前用户发送携带额度监测规则的业务页面信息;Send the business page information carrying the quota monitoring rules to the current user;
所述通过所述业务页面收用户操作生成资源配置请求,包括:The generating a resource configuration request by receiving user operations through the business page includes:
利用所述业务页面信息生成业务页面并执行所述额度监测规则,包括:Use the business page information to generate a business page and execute the quota monitoring rules, including:
当用户输入的资源额度符合所述额度监测规则时,利用用户输入的资源额度生成资源配置请求;When the resource quota input by the user complies with the quota monitoring rule, generate a resource allocation request by using the resource quota input by the user;
当用户输入的资源额度不符合所述额度监测规则时,生成提示信息。When the resource quota input by the user does not conform to the quota monitoring rule, a prompt message is generated.
在本说明书实施例中,所述多个配置规则的资源成本不同。In the embodiment of this specification, the resource costs of the multiple configuration rules are different.
在本说明书实施例中,所述资源配置请求下的请求结果包括还款计划。In the embodiment of this specification, the request result under the resource configuration request includes a repayment plan.
考虑到一种实际场景,对于业务中具有多个业务状态,而用户业务状态发生更新的用户,如果其用户状态更新的越快,表明这种用户参与业务的概率越大,对业务的依赖也就越大,所以,我们也可以根据这种特征来划分用户类型。Considering a practical scenario, for a user with multiple service states in the service, and the user service state is updated, the faster the user state is updated, the greater the probability of this user participating in the service, and the greater the dependence on the service. The bigger it is, so we can also divide user types according to this feature.
在本说明书实施例中,所述利用用户的业务状态配置所述资源配置策略中与各配置规则相对应的用户类型,包括:In the embodiment of this specification, the configuration of the user type corresponding to each configuration rule in the resource configuration policy using the service state of the user includes:
结合所述当前用户的当前业务状态及所述当前业务状态与上一个业务状态的时间间隔预测所述当前用户的用户类型;Predicting the user type of the current user in combination with the current service state of the current user and the time interval between the current service state and the previous service state;
基于预测的所述用户类型配置所述资源配置策略中与各配置规则相对应的用户类型。The user types corresponding to each configuration rule in the resource configuration policy are configured based on the predicted user types.
通过结合所述当前用户的当前业务状态及所述当前业务状态与上一个业务状态的时间间隔预测所述当前用户的用户类型,可以使得用户类型反应用户对业务的依赖程度和使用资源的紧迫程度,利用这种用户类型对应的配置规则进行试算,可以使得试算生成的请求结果能够兼顾用户对业务的依赖,从而进一步提高了灵活性。By combining the current service state of the current user and the time interval between the current service state and the previous service state to predict the user type of the current user, the user type can reflect the user's degree of dependence on services and the urgency of using resources , using the configuration rule corresponding to this user type to perform trial calculation, so that the request result generated by the trial calculation can take into account the user's dependence on the service, thereby further improving flexibility.
以按照用户的业务状态划分用户类型为例,在应用场景中,不同业务状态的用户输入相同的资源额度时,会得到显示不同还款计划的资源页面,同一个用户在处于不用的业务状态时,分别输入相同的资源额度,也会得到显示有不同还款计划的资源页面。Taking the user type according to the user's business status as an example, in the application scenario, when users with different business statuses enter the same resource quota, they will get a resource page that displays different repayment plans. When the same user is in a different business status , enter the same resource quota respectively, and you will also get a resource page with different repayment plans.
该装置通过构建具有多个配置规则的资源配置策略,使配置规则与用户类型相对应,从而在当前用户发送资源配置请求时,可以确定其用户类型,利用对应的配置规则进行试算,从而生成请求结果并向用户返回资源页面信息,使其获知与其类型相适应的资源请求结果,由于在试算时确定请求配置资源的用户类型,利用与用户类型相对应的配置规则进行试算,使得试算得到的资源请求结果与用户类型相适应,提高了灵活性。By constructing a resource configuration strategy with multiple configuration rules, the device makes the configuration rules correspond to the user types, so that when the current user sends a resource configuration request, the user type can be determined, and the corresponding configuration rules are used for trial calculation, thereby generating Request the result and return the resource page information to the user, so that it can know the resource request result suitable for its type. Since the user type that requests the configuration resource is determined during the trial calculation, the configuration rule corresponding to the user type is used to perform the trial calculation, so that the trial calculation is performed. The calculated resource request result is adapted to the user type, which improves flexibility.
基于同一发明构思,本说明书实施例还提供一种电子设备。Based on the same inventive concept, the embodiments of this specification also provide an electronic device.
下面描述本发明的电子设备实施例,该电子设备可以视为对于上述本发明的方法和装置实施例的具体实体实施方式。对于本发明电子设备实施例中描述的细节,应视为对于上述方法或装置实施例的补充;对于在本发明电子设备实施例中未披露的细节,可以参照上述方法或装置实施例来实现。The electronic device embodiments of the present invention are described below, and the electronic device can be regarded as a specific physical implementation of the above-mentioned method and apparatus embodiments of the present invention. The details described in the electronic device embodiments of the present invention should be regarded as supplements to the above method or device embodiments; for details not disclosed in the electronic device embodiments of the present invention, reference may be made to the above method or device embodiments for implementation.
图3为本说明书实施例提供的一种电子设备的结构示意图。下面参照图3来描述根据本发明该实施例的电子设备300。图3显示的电子设备300仅仅是一个示例,不应对本发明实施例的功能和使用范围带来任何限制。FIG. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. The
如图3所示,电子设备300以通用计算设备的形式表现。电子设备300的组件可以包括但不限于:至少一个处理单元310、至少一个存储单元320、连接不同系统组件(包括存储单元320和处理单元310)的总线330、显示单元340等。As shown in FIG. 3,
其中,所述存储单元存储有程序代码,所述程序代码可以被所述处理单元310执行,使得所述处理单元310执行本说明书上述处理方法部分中描述的根据本发明各种示例性实施方式的步骤。例如,所述处理单元310可以执行如图1所示的步骤。Wherein, the storage unit stores program codes, and the program codes can be executed by the
所述存储单元320可以包括易失性存储单元形式的可读介质,例如随机存取存储单元(RAM)3201和/或高速缓存存储单元3202,还可以进一步包括只读存储单元(ROM)3203。The
所述存储单元320还可以包括具有一组(至少一个)程序模块3205的程序/实用工具3204,这样的程序模块3205包括但不限于:操作系统、一个或者多个应用程序、其它程序模块以及程序数据,这些示例中的每一个或某种组合中可能包括网络环境的实现。The
总线330可以为表示几类总线结构中的一种或多种,包括存储单元总线或者存储单元控制器、外围总线、图形加速端口、处理单元或者使用多种总线结构中的任意总线结构的局域总线。The
电子设备300也可以与一个或多个外部设备400(例如键盘、指向设备、蓝牙设备等)通信,还可与一个或者多个使得用户能与该电子设备300交互的设备通信,和/或与使得该电子设备300能与一个或多个其它计算设备进行通信的任何设备(例如路由器、调制解调器等等)通信。这种通信可以通过输入/输出(I/O)接口350进行。并且,电子设备300还可以通过网络适配器360与一个或者多个网络(例如局域网(LAN),广域网(WAN)和/或公共网络,例如因特网)通信。网络适配器360可以通过总线330与电子设备300的其它模块通信。应当明白,尽管图3中未示出,可以结合电子设备300使用其它硬件和/或软件模块,包括但不限于:微代码、设备驱动器、冗余处理单元、外部磁盘驱动阵列、RAID系统、磁带驱动器以及数据备份存储系统等。The
通过以上的实施方式的描述,本领域的技术人员易于理解,本发明描述的示例性实施例可以通过软件实现,也可以通过软件结合必要的硬件的方式来实现。因此,根据本发明实施方式的技术方案可以以软件产品的形式体现出来,该软件产品可以存储在一个计算机可读的存储介质(可以是CD-ROM,U盘,移动硬盘等)中或网络上,包括若干指令以使得一台计算设备(可以是个人计算机、服务器、或者网络设备等)执行根据本发明的上述方法。当所述计算机程序被一个数据处理设备执行时,使得该计算机可读介质能够实现本发明的上述方法,即:如图1所示的方法。From the description of the above embodiments, those skilled in the art can easily understand that the exemplary embodiments described in the present invention may be implemented by software, or may be implemented by software combined with necessary hardware. Therefore, the technical solutions according to the embodiments of the present invention may be embodied in the form of software products, and the software products may be stored in a computer-readable storage medium (which may be CD-ROM, U disk, mobile hard disk, etc.) or on the network , including several instructions to cause a computing device (which may be a personal computer, a server, or a network device, etc.) to perform the above-described method according to the present invention. When the computer program is executed by a data processing device, the computer-readable medium can implement the above-mentioned method of the present invention, that is, the method shown in FIG. 1 .
图4为本说明书实施例提供的一种计算机可读介质的原理示意图。FIG. 4 is a schematic schematic diagram of a computer readable medium provided by an embodiment of the present specification.
实现图1所示方法的计算机程序可以存储于一个或多个计算机可读介质上。计算机可读介质可以是可读信号介质或者可读存储介质。可读存储介质例如可以为但不限于电、磁、光、电磁、红外线、或半导体的系统、装置或器件,或者任意以上的组合。可读存储介质的更具体的例子(非穷举的列表)包括:具有一个或多个导线的电连接、便携式盘、硬盘、随机存取存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。A computer program implementing the method shown in FIG. 1 may be stored on one or more computer-readable media. The computer-readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples (non-exhaustive list) of readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RAM), read only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.
所述计算机可读存储介质可以包括在基带中或者作为载波一部分传播的数据信号,其中承载了可读程序代码。这种传播的数据信号可以采用多种形式,包括但不限于电磁信号、光信号或上述的任意合适的组合。可读存储介质还可以是可读存储介质以外的任何可读介质,该可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。可读存储介质上包含的程序代码可以用任何适当的介质传输,包括但不限于无线、有线、光缆、RF等等,或者上述的任意合适的组合。The computer-readable storage medium may include a data signal propagated in baseband or as part of a carrier wave, carrying readable program code therein. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A readable storage medium can also be any readable medium other than a readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. Program code embodied on a readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
可以以一种或多种程序设计语言的任意组合来编写用于执行本发明操作的程序代码,所述程序设计语言包括面向对象的程序设计语言—诸如Java、C++等,还包括常规的过程式程序设计语言—诸如“C”语言或类似的程序设计语言。程序代码可以完全地在用户计算设备上执行、部分地在用户设备上执行、作为一个独立的软件包执行、部分在用户计算设备上部分在远程计算设备上执行、或者完全在远程计算设备或服务器上执行。在涉及远程计算设备的情形中,远程计算设备可以通过任意种类的网络,包括局域网(LAN)或广域网(WAN),连接到用户计算设备,或者,可以连接到外部计算设备(例如利用因特网服务提供商来通过因特网连接)。Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including object-oriented programming languages—such as Java, C++, etc., as well as conventional procedural Programming Language - such as the "C" language or similar programming language. The program code may execute entirely on the user computing device, partly on the user device, as a stand-alone software package, partly on the user computing device and partly on a remote computing device, or entirely on the remote computing device or server execute on. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computing device (eg, using an Internet service provider business via an Internet connection).
综上所述,本发明可以以硬件实现,或者以在一个或者多个处理器上运行的软件模块实现,或者以它们的组合实现。本领域的技术人员应当理解,可以在实践中使用微处理器或者数字信号处理器(DSP)等通用数据处理设备来实现根据本发明实施例中的一些或者全部部件的一些或者全部功能。本发明还可以实现为用于执行这里所描述的方法的一部分或者全部的设备或者装置程序(例如,计算机程序和计算机程序产品)。这样的实现本发明的程序可以存储在计算机可读介质上,或者可以具有一个或者多个信号的形式。这样的信号可以从因特网网站上下载得到,或者在载体信号上提供,或者以任何其他形式提供。In summary, the present invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art should understand that, in practice, a general-purpose data processing device such as a microprocessor or a digital signal processor (DSP) may be used to implement some or all of the functions of some or all of the components in the embodiments of the present invention. The present invention can also be implemented as apparatus or apparatus programs (eg, computer programs and computer program products) for performing part or all of the methods described herein. Such a program implementing the present invention may be stored on a computer-readable medium, or may be in the form of one or more signals. Such signals may be downloaded from Internet sites, or provided on carrier signals, or in any other form.
以上所述的具体实施例,对本发明的目的、技术方案和有益效果进行了进一步详细说明,应理解的是,本发明不与任何特定计算机、虚拟装置或者电子设备固有相关,各种通用装置也可以实现本发明。以上所述仅为本发明的具体实施例而已,并不用于限制本发明,凡在本发明的精神和原则之内,所做的任何修改、等同替换、改进等,均应包含在本发明的保护范围之内。The specific embodiments described above further describe the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the present invention is not inherently related to any specific computer, virtual device or electronic device, and various general-purpose devices are also The present invention can be implemented. The above are only specific embodiments of the present invention, and are not intended to limit the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the present invention. within the scope of protection.
本说明书中的各个实施例均采用递进的方式描述,各个实施例之间相同相似的部分互相参见即可,每个实施例重点说明的都是与其他实施例的不同之处。Each embodiment in this specification is described in a progressive manner, and the same and similar parts between the various embodiments may be referred to each other, and each embodiment focuses on the differences from other embodiments.
以上所述仅为本申请的实施例而已,并不用于限制本申请。对于本领域技术人员来说,本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等,均应包含在本申请的权利要求范围之内。The above descriptions are merely examples of the present application, and are not intended to limit the present application. Various modifications and variations of this application are possible for those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included within the scope of the claims of this application.
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Address after: 200333 room 1027, 10th floor, 89 Yunling East Road, Putuo District, Shanghai Patentee after: Qifu Shuke (Shanghai) Technology Co.,Ltd. Address before: 201400 Room 101, floor 10, building 2, No. 1919, Baziqiao Road, Fengxian District, Shanghai Patentee before: Qifu Shuke (Shanghai) Technology Co.,Ltd. |