Specific embodiment
Below by the attached drawing in knot and the embodiment of the present invention, technical solution in the embodiment of the present invention carries out clear, completeSite preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hairEmbodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative effortsExample, shall fall within the protection scope of the present invention.
Credit card recommended method provided in an embodiment of the present invention, can be applicable in the application environment such as Fig. 1, which pushes awayThe method of recommending is applied in the server-side of financing APP, wherein client is communicated by network with server-side.The credit card pushes awayThe method of recommending is particularly applicable in the server-side of financing APP, and server-side is according to credit card analysis request, institute corresponding to each clientCreditable card is analyzed, and to get the corresponding optimal credit card of each client, optimal credit card is fed back to client, is madeIt obtains client and quickly determines which opens credit card with consumes, so that credit card is utilized effectively.Also, it can be according to optimal creditCard and client current location predeterminable area within the scope of or the predeterminable area of target area within the scope of all Business Information intoThe preferential dynamics analysis of row, to get preferential Business Information with stronger dynamics corresponding with optimal credit card and feed back to clientEnd recommends preferential Business Information with stronger dynamics with realizing, so that Business Information is promoted well.Wherein, objectiveFamily end can be, but not limited to various personal computers, laptop, smart phone, tablet computer and portable wearable setIt is standby.Server-side can be realized with the server-side cluster of the either multiple server-side compositions of independent server-side.
In one embodiment, as shown in Fig. 2, providing a kind of credit card recommended method, the clothes in Fig. 1 are applied in this wayBusiness is illustrated for end, is specifically comprised the following steps:
S10: credit card analysis request is obtained, credit card analysis request includes client's login account.
Wherein, credit card analysis request is the credit card for logging in the corresponding client of account number to client for triggering server-sideThe request that service condition is analyzed.Credit card analysis request can be obtained by two ways, and one is server-sides according to timingTask timing generates credit card analysis request, includes client's login account in credit card analysis request.For example, 8 points of every morningCredit card analysis request is generated, credit card analysis request includes client's login account.Another kind is that client is logged in based on clientManage money matters APP, includes client's login account in credit card analysis request with the credit card analysis request sent to server-side.Wherein,Client's login account refers to account of the client in financing APP, can determine corresponding client and correspondence by client's login accountAt least one credit card.
S20: all credits card corresponding with client's login account are obtained, the corresponding bill number of each credit card is obtainedAccording to what the database lookup of issuing bank of the billing data based on credit card obtained.
Wherein, billing data refers to the data corresponding with each credit card got from the database of issuing bank.Billing data may include but be not limited to that remaining sum can be consumed, the data such as date and the date of entering an item of expenditure in the accounts of refunding.Wherein, remaining sum can be consumed to refer toThe also consumable remaining sum that client is determined based on the credit card.The refund date refers to that credit card issuing bank requires client to give back and answersThe last date paid the bill.Enter an item of expenditure in the accounts the date generally be also known as bill day, refer to that issuing bank monthly can be periodically to current generationItems transaction and expense etc. carry out summarizing clearing, and figure interest, acquisition current total amount owed corresponding with the credit card andThe date of minimum amount to pay.
Specifically, client be based on client financing APP registered in advance, so as to subsequent client's login account according to registration intoRow logs in, and at least one credit card managed will be needed to be associated in financing APP with client's login account.Server-side rootDatabase is searched according to the client's login account got, all a credits card corresponding with client's login account are obtained, according to everyOne credit card, determines the corresponding issuing bank of each credit card, and searches the corresponding database of issuing bank according to credit card, withGet billing data corresponding with each credit card.Server-side by getting the corresponding billing data of each credit card, withContinue after an action of the bowels and optimal credit card is determined according to the corresponding billing data of each credit card.
S30: according to the corresponding billing data of each credit card, optimal credit card is obtained.
Wherein, optimal credit card refers to that client carries out consuming the maximum credit of accessed interests by the credit cardCard.
Specifically, server-side obtains the corresponding billing data of each credit card, billing data corresponding to each credit cardIt is analyzed, to get optimal credit card.More specifically, remaining sum can be consumed, the date of refunding, go out by obtaining each credit card correspondenceIt is account date and request date, corresponding to each credit card to consume remaining sum, date of refunding, the date of entering an item of expenditure in the accounts and the progress of request dateIt calculates, obtain each credit card corresponding interest-free time and enters an item of expenditure in the accounts the time, according to each credit card corresponding interest-free time, enter an item of expenditure in the accountsTime and remaining sum can be consumed, the priority of each credit card be determined, using the optimal corresponding credit card of priority as optimal creditCard.
As one embodiment, (1) server-side obtains each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts and can consumeRemaining sum.(2) interest-free time, the time of entering an item of expenditure in the accounts are based on and remaining sum lookup database can be consumed, obtains corresponding score value, and obtain correspondenceWeight.Server-side is interest-free time, the time of entering an item of expenditure in the accounts and can consume the corresponding weight of remaining sum configuration and be stored in database in advance.Preferably, the sum of corresponding weight maximum of interest-free time, time of entering an item of expenditure in the accounts corresponding weight time can consume the corresponding weight of remaining sum mostIt is small.(3) based on each interest-free time, the time of entering an item of expenditure in the accounts weight corresponding with remaining sum can be consumed and score value, by weighted formula to everyThe corresponding target value of one credit card is calculated.Specifically, the corresponding target value of each credit card is calculated using weighted formula,Wherein, weighted formula isY is target value, and n is interest-free time, the time of entering an item of expenditure in the accounts and the number that can consume remaining sum, AiIndicate interest-free time, the time of entering an item of expenditure in the accounts score value corresponding with remaining sum can be consumed, wiIt indicates interest-free time, the time of entering an item of expenditure in the accounts and can consume remainingThe corresponding default weight of volume.(4) according to the corresponding target value of each credit card, using target value be maximum corresponding credit card asOptimal credit card.
S40: according to optimal credit card, recommendation request is generated, recommendation request includes client current location or target area.
Wherein, client current location refers to the geographical location that client is currently located.Target area refers to the ground where clientSubway, business circles and colleges and universities' circle that reason position either client is sent based on client etc..
Specifically, after server-side gets optimal credit card, recommendation request is generated, the client obtained in recommendation request is currentPosition or target area.It is to be appreciated that comprising client current location be position in customer history in recommendation request,Target area is client to be sent based on client, the mode that target area obtains be it is a variety of, can be in customer historyThe position of positioning is also possible to the position that client is positioned based on client by GPS, can also be that client is based on clientThe position of reconnaissance on GPS map can also be the position that client is manually entered based on client.
S50: be based on optimal credit card inquiry networking data library, obtain client current location predeterminable area within the scope of or meshAll Business Information within the scope of the predeterminable area in region are marked, each Business Information includes preferential dynamics.
Wherein, predeterminable area range is preset value.For example, predeterminable area range is 3 kms, then client's present bitThe predeterminable area range set refers to the region of 3 kilometer ranges near client current location.For example, target area is Shenzhen LuohuArea then refers to the region near Shenzhen Luohu district center in 3 kilometer ranges within the scope of the predeterminable area of target area.Business InformationIncluding preferential dynamics, further includes Merchant name and businessman geographical location, can determine whether to work as in client by businessman geographical locationWithin the scope of the predeterminable area of front position or within the scope of the predeterminable area of target area.
Specifically, the client current location in server-side acquisition customer history or client are sent based on clientTarget area obtains all signing businessmans corresponding with optimal credit card according to optimal credit card inquiry networking data library, obtainsThe geographical location information of all signing businessmans, by the preset areas of the geographical location information of all signing businessmans and client current locationBusinessman geographical location within the scope of domain or within the scope of the predeterminable area of target area matches, and the client for obtaining successful match works asAll Business Information within the scope of the predeterminable area of front position or within the scope of the predeterminable area of target area, Business Information include excellentFavour activity, Merchant name and businessman geographical location etc..Judge within the scope of the predeterminable area of client current location or target areaWhether all Business Information within the scope of predeterminable area contain preferential activity, within the scope of the predeterminable area for obtaining client current locationOr it is all containing preferential movable Business Information within the scope of the predeterminable area of target area, i.e. the Business Information is and optimal creditBlock contracting and include preferential movable Business Information, wherein includes the preferential movable preferential dynamics in each Business Information.In this step, by within the scope of the geographical location information of all signing businessmans and the predeterminable area of client current location or target areaPredeterminable area within the scope of businessman geographical location match, avoid from optimal credit card contract businessman in different geographyThe case where position, to improve the accuracy of Business Information recommendation.By obtain client current location predeterminable area within the scope of orBusiness Information within the scope of the predeterminable area of target area, so that subsequent Business Information is recommended, so that client is to default modelBusinessman in enclosing consumes.
S60: if preferential dynamics is greater than pre set force degree, the corresponding Business Information of preferential dynamics and optimal credit card are fed backTo client.
Specifically, the predeterminable area range of within the scope of the predeterminable area of server-side acquisition client current location or target areaPreferential dynamics in each Business Information is compared by the preferential dynamics in interior all Business Information with default dynamics,In, default dynamics is the value whether preferential dynamics for determining in Business Information can be recommended, if preferential dynamics is greater than in advanceIf dynamics, then the corresponding Business Information of preferential dynamics and optimal credit card are fed back into client.
In step S10-S60, according to client's login account in credit card analysis request, it is creditable to obtain corresponding instituteCard, according to billing data corresponding with each credit card, obtains optimal credit card, quickly determines optimal credit card to realize, makesCredit card is obtained to be utilized effectively.Based on optimal credit card inquiry networking data library, the predeterminable area of client current location is obtainedAll Business Information in range or within the scope of the predeterminable area of target area recommend accuracy to improve Business Information, will be excellentFavour dynamics is greater than the corresponding Business Information of pre set force degree and optimal credit card feeds back to client, so that the Business Information recommended isOptimal credit card and corresponding Business Information are recommended in the Business Information of larger preferential dynamics, realization.
In one embodiment, as shown in figure 3, before step S10, i.e., the step of obtaining credit card analysis request itBefore, credit card recommended method further includes following steps:
S101: the registration request that client is sent is obtained, registration request includes client's login account.
Specifically, it manages money matters before the server-side acquisition credit card analysis request of APP, needs to be registered in financing APPRegister.Server-side obtains the registration request that client is sent based on client, wherein includes that client logs in account in registration requestNumber, client's login account has uniqueness, can determine unique client by client's login account.
S102: according to client's login account, at least one letter corresponding with client's login account that client is sent is obtainedWith card, and by client's login account and at least one credit card associated storage.
Specifically, server-side carries out register according to the client's login account got, can close in client credit cardJoin on interface, the card number information of at least one credit card of typing, and click confirming button, so that server-side obtains client and sendsAt least one credit card corresponding with client's login account.At least one credit card be client need by financing APP intoThe credit card of row management, client's login account and at least one credit card are associated, to log in subsequently through the clientAccount gets at least one corresponding credit card, to improve the speed for obtaining at least one credit card.
S103: the automatic authorized application information for obtaining bill is sent to client, if getting the authorization of client feedbackConfirmation message then triggers timed task according to license confirmation information, automatically generates in the preset triggered time and logs in account with clientNumber corresponding credit card analysis request.
Wherein, the authorized application information for obtaining bill automatically refers to what server-side was sent to client, at least one letterWith the corresponding application information that whether can obtain bill automatically of card.License confirmation information is that client carries out really authorized application informationThe information recognized, it can be understood as agree to the information of authorization.If client is based on client, according to the authorization Shen of the automatic acquisition billPlease information, to server-side feed back license confirmation information, i.e. client's granted service end obtains corresponding at least one credit card automaticallyBilling data, server-side according to the license confirmation information trigger timed task.Wherein, timed task is in advance in financing APPThe task of middle configuration includes triggered time and trigger condition in timed task.When server-side gets the authorization of client transmissionWhen confirmation message, then the trigger condition in timed task is triggered, the preset triggered time automatically generates and visitor in timed taskThe corresponding credit card analysis request of family login account.For example, corresponding two credits card of a certain client's login account, when server-side obtainsWhen getting the license confirmation information of client feedback, the trigger condition in timed task is triggered, and preset in timed taskTriggered time automatically generates credit card analysis request corresponding with client's login account, if the triggered time is daily 8 points, daily8 points automatically generate credit card analysis request corresponding with client's login account, when entering in financing APP so as to subsequent clients,The Business Information of optimal credit and recommendation can be directly obtained, with reduce obtain optimal credit card and recommendation Business Information whenBetween.
S104: if getting the authorization NACK messages of client feedback, according to authorization NACK messages, configuration is stepped on clientRecord the corresponding inquiry message of account.
Wherein, authorization NACK messages are the information that client is negated to authorized application information, it can be understood as are disagreedThe information of authorization.Specifically, if server-side gets the authorization NACK messages of client feedback, i.e. client disagrees server-side certainlyDynamic to obtain billing data corresponding at least one credit card, server-side logs in account with client according to authorization NACK messages configurationNumber corresponding inquiry message, wherein inquiry message, which refers to, obtains billing data corresponding at least one credit card, to clientThe information of transmission.
It further, is this once license confirmation information in inquiry message, if the authorization for getting client feedback is noDetermine information, then without automatically generating and visitor at least one credit card corresponding with client's login account in the preset triggered timeThe corresponding credit card analysis request of family login account.After client is based on client by client's login account login financing APP, toServer-side sends credit card analysis request, and server-side is to client feedback inquiry message, if it is anti-based on client to get clientThis once license confirmation information of feedback then carries out credit card analysis, and subsequent base according to this once license confirmation informationInquiry message is sent in each credit card analysis request.
In step S101-S104, according to client's login account, the corresponding with client's login account of client transmission is obtainedAt least one credit card and associated storage, so that subsequent clients login account finds at least one corresponding credit card.To visitorFamily end sends the automatic authorized application information for obtaining bill, if getting the license confirmation information of client feedback, basis is awardedIt weighs confirmation message and triggers timed task, automatically generate credit card analysis corresponding with client's login account in the preset triggered timeRequest sends credit card analysis request without client to realize that timing generates credit card analysis request, enters in financing APPAfter can be directly viewable optimal credit card and corresponding Business Information, in the case where avoiding network bad, when obtaining optimal credit cardBetween it is relatively slow, to improve the time for obtaining optimal credit card and corresponding Business Information.If the authorization for getting client feedback is noDetermine information, then according to authorization NACK messages, configure inquiry message corresponding with client's login account, to realize according to client pairThe credit card analysis request answered is analyzed, to be handled according to client the reply of inquiry message.
In one embodiment, before step S103, if that is, in the license confirmation information for getting client feedback, rootBefore the step of triggering timed task according to license confirmation information, credit card recommended method further includes following steps:
(1) timed task configuring request is obtained, timed task configuring request includes triggered time and trigger condition.
Wherein, the triggered time refers to the time of the financing daily timing analysis of APP.Trigger condition refers to for timed task configurationCondition, can be the authorized application information for the automatic acquisition bill that client is got based on client, to server-side feed backLicense confirmation information.
Specifically, the timed task configuring request that client is sent is obtained, includes triggered time and triggering in configuring requestCondition, so as to it is subsequent when a triggering condition is met, determined according to triggered time pair credit card corresponding with client's login accountWhen analyze.For example, 8 points of every morning determines the corresponding credit card of client's login account for being transmitted across license confirmation informationWhen analyze.
(2) it is based on triggered time and trigger condition, configuring timing tasks, trigger condition is to get awarding for client feedbackWeigh confirmation message.
Specifically, in financing APP, according to triggered time and trigger condition configuring timing tasks, configuring timing tasks, touchingClockwork spring part is the license confirmation information for getting client feedback.It is triggered periodically when according to the license confirmation information of client feedbackWhen trigger condition in task, according to the triggered time timing acquisition credit card analysis request, client is opened straight after financing APPThe optimal credit card and corresponding Business Information after getting analysis are obtained, to improve acquisition efficiency.
In one embodiment, as shown in figure 4, in step S20, that is, the corresponding billing data of each credit card, account are obtainedWhat the database lookup of issuing bank of the forms data based on credit card obtained, specifically comprise the following steps:
S21: according to each credit card, issuing bank corresponding with each credit card is obtained.
Specifically, server-side determines that each credit card is corresponding according to each credit card corresponding with client's login accountIssuing bank.It is specifically as follows and database is searched by credit number, obtains issuing bank corresponding with credit card.For example, every6 are used to determine issuing bank before one credit number, and e.g., 436742 be China Construction Bank VISA Long Card debit card, 458123It is Bank of Shanghai's debit card etc. for Bank of Communications's VISA generic card, 622892.
S22: it by presetting the corresponding database of third party's interface polls issuing bank, obtains corresponding with each credit cardBilling data, billing data include that can consume remaining sum, date of refunding, the date of entering an item of expenditure in the accounts and request date.
Wherein, third party's interface is the acquisition interface for obtaining billing data corresponding with credit card.
Specifically, third party's interface is preset in server-side, each issuing bank corresponds to a database, is stored in databaseThe corresponding bill information of each credit card.Server-side is obtained by presetting the corresponding database of third party's interface polls issuing bankBilling data corresponding with each credit card is taken, billing data includes that can consume remaining sum, date of refunding, the date of entering an item of expenditure in the accounts and request dayPhase.
Step S21-S22 obtains issuing bank corresponding with each credit card according to each credit card；Pass through default theThe corresponding database of tripartite's interface polls issuing bank obtains billing data corresponding with each credit card, so as to subsequent basisBilling data determines optimal credit card, improves the accuracy rate of optimal credit card.
In one embodiment, it as shown in figure 5, in step S30, i.e., according to the corresponding billing data of each credit card, obtainsOptimal credit card, specifically comprises the following steps:
S31: according to the request date of each credit card and refunding the date, obtains each credit card corresponding interest-free time.
Wherein, the interest-free time refers to that client uses the refund phase buffer that interest payment is not necessarily to after Credit Card Swiping consumption.
Specifically, based on each credit card corresponding request date and refund date, it is corresponding to calculate each credit cardThe interest-free phase.Wherein, the request date refers to the date for generating credit card analysis request.For example, 25 days of bank's regulation next month are alsoIf the money date, in this month 1 (request date) consumption, then the interest-free time is 1 day to next month 25；It consumed within this month 2 days,The interest-free time is 2 days to next month 25, it can thus be seen that request date and date of refunding are separated by the longer time, then interest-free phaseIt is longer.
S32: according to the request date of each credit card and entering an item of expenditure in the accounts the date, obtain that each credit card is corresponding to enter an item of expenditure in the accounts the time.
Specifically, based on each credit card corresponding request date and entering an item of expenditure in the accounts the date, it is corresponding to calculate each credit cardIt enters an item of expenditure in the accounts the time.For example, bank provides that every transaction and expense of the monthly generation of 29 this month etc. carry out summarizing clearing, and calculateInterest was consumed with getting the date of current total amount owed corresponding with the credit card and minimum amount to pay at this month 1st,So enter an item of expenditure in the accounts the time be 1 to 29.
S33: based on each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts and remaining sum can be consumed, determines each credit cardPriority, the credit card for choosing highest priority is determined as optimal credit card.
Specifically, server-side according to each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts and can consume remaining sum, determine everyThe priority of one credit card, the credit card for choosing highest priority are determined as optimal credit card.Wherein, priority refers to that basis is exempted fromIt breath time, the time of entering an item of expenditure in the accounts and remaining sum can be consumed is determined, can be that the interest-free time is determined as priority is optimal, enter an item of expenditure in the accounts the timeBe determined as priority to take second place, can consume remaining sum be determined as priority finally, with according to each credit card corresponding interest-free time, go outIt the account time and remaining sum can be consumed determines corresponding priority, the optimal credit card of priority is determined as optimal credit card.
In step S31-S33, according to the request date of each credit card and refunds the date, it is corresponding to obtain each credit cardThe interest-free time, to realize the determination of interest-free time.It according to the request date of each credit card and enters an item of expenditure in the accounts the date, obtains each creditBlock it is corresponding enter an item of expenditure in the accounts the time, to realize the determination of time of entering an item of expenditure in the accounts.Based on each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts andRemaining sum can be consumed, determines the priority of each credit card, the credit card for choosing highest priority is determined as optimal credit card, with realityThe determination of existing optimal credit card, determines optimal credit card according to the consumption bill of each credit card, improves the standard of optimal credit cardTrue rate.
In one embodiment, it as shown in fig. 6, in step S33, that is, is based on each credit card corresponding interest-free time, enters an item of expenditure in the accountsTime and remaining sum can be consumed, determine the priority of each credit card, specifically comprise the following steps:
S331: based on each credit card corresponding interest-free time, the longest interest-free time is obtained.
Specifically, server-side obtains each credit card corresponding interest-free time, when corresponding interest-free according to each credit cardBetween, determine the longest interest-free time.For example, the A credit card corresponding interest-free time is 45 days, the B credit card corresponding interest-free timeIt is 30 days, the corresponding credit card of the C corresponding interest-free time is 35 days, is to be determined as within 45 days the longest interest-free time by the interest-free time.
S332: if the quantity of longest free of interest time corresponding credit card is one, by longest interest-free time corresponding letterIt is determined as optimal credit card with card.
Specifically, server-side determines the quantity of longest interest-free time corresponding credit card, if the longest free of interest time is correspondingThe quantity of credit card be one, then longest interest-free time corresponding credit card is determined as optimal credit card.For example, A creditBlocking the corresponding interest-free time be 45 days is the longest interest-free time, and the quantity of longest free of interest time corresponding credit card is one, thenLongest interest-free time corresponding A credit card is determined as optimal credit card.
S333: if the quantity of longest free of interest time corresponding credit card is at least two, based on the longest interest-free time pairThe credit card answered is entered an item of expenditure in the accounts the time, determines that longest is entered an item of expenditure in the accounts the time.
Specifically, server-side determines the quantity of longest interest-free time corresponding credit card, if the longest free of interest time is correspondingThe quantity of credit card be at least two, then obtain entering an item of expenditure in the accounts the time for the interest-free time corresponding credit card of longest, and according to longestThe time of entering an item of expenditure in the accounts of corresponding credit card interest-free time determines that longest is entered an item of expenditure in the accounts the time.For example, A credit card and D credit card are correspondingIt is the longest interest-free time to obtain A credit when the quantity of longest free of interest time corresponding credit card is two that the interest-free time, which is 45 days,Card is corresponding with D credit card to enter an item of expenditure in the accounts the time, if the time of entering an item of expenditure in the accounts of A credit card is 28 days, the D credit card corresponding time of entering an item of expenditure in the accounts is 25It, then be 28 days by the time of entering an item of expenditure in the accounts of A credit card, be determined as longest and enter an item of expenditure in the accounts the time.
S334: if longest is entered an item of expenditure in the accounts, the quantity of time corresponding credit card is one, and longest is entered an item of expenditure in the accounts time corresponding letterIt is determined as optimal credit card with card.
Specifically, server-side determines that longest is entered an item of expenditure in the accounts the quantity of time corresponding credit card, if longest is entered an item of expenditure in the accounts, the time is correspondingThe quantity of credit card be one, then longest time corresponding credit card of entering an item of expenditure in the accounts is determined as optimal credit card.It is to be appreciated thatThe optimal credit card is the longest interest-free time and is that longest is entered an item of expenditure in the accounts the time.For example, the A credit card corresponding interest-free time is 45 days to beLongest free of interest the time, A credit card enter an item of expenditure in the accounts the time be 28 days, longest enter an item of expenditure in the accounts corresponding credit card quantity be one, then will mostLong time corresponding A credit card of entering an item of expenditure in the accounts is determined as optimal credit card.
S335: if longest is entered an item of expenditure in the accounts, the quantity of time corresponding credit card is at least two, is entered an item of expenditure in the accounts the time pair based on longestThe credit card answered consumes remaining sum, determines that maximum can consume remaining sum.
Specifically, server-side determines that longest is entered an item of expenditure in the accounts the quantity of time corresponding credit card, if longest is entered an item of expenditure in the accounts, the time is correspondingThe quantity of credit card be at least two, then obtain longest and enter an item of expenditure in the accounts the remaining sum of consuming of time corresponding credit card, determine maximumRemaining sum can be consumed.For example, it 45 days is the longest interest-free time that A credit card and D credit card corresponding interest-free time, which are, when longest free of interestBetween the quantity of corresponding credit card when being two, obtain A credit card and D credit card be corresponding enters an item of expenditure in the accounts the time；If A credit card goes outThe account time is 28 days, and D credit card is corresponding, and time of entering an item of expenditure in the accounts is 28 days, and the enter an item of expenditure in the accounts quantity of time corresponding credit card of longest is at leastIt two, then obtains A credit card and D credit card is corresponding consumes remaining sum；If the corresponding remaining sum of consuming of A credit card is 9,000, DCredit card is corresponding, and to consume remaining sum be 8,000, then is 9,000 to be determined as maximum and can consume by the corresponding remaining sum of consuming of A credit cardRemaining sum.
S336: the corresponding credit card of remaining sum can be consumed according to maximum, determine optimal credit card.
Specifically, server-side determines that maximum can consume the corresponding credit card of remaining sum, and maximum can be consumed the corresponding letter of remaining sumIt is determined as optimal credit card with card.It is to be appreciated that the optimal credit card is the longest interest-free time, is that longest enters an item of expenditure in the accounts and the time and isMaximum can consume the corresponding credit card of remaining sum.For example, it is the longest interest-free time that the A credit card corresponding interest-free time, which is 45 days, outIt is that longest is entered an item of expenditure in the accounts the time that the account time, which is 28 days, and can consume remaining sum is that 9,000 maximums can consume remaining sum, then maximum can be consumed remaining sum pairThe A credit card answered is determined as optimal credit card.Further, if it is at least that maximum, which can consume the quantity of the corresponding credit card of remaining sum,Two, then at least two maximums can be consumed into the corresponding credit card of remaining sum and be determined as optimal credit card.
In step S331-S336, if each credit card corresponding interest-free time determines the longest interest-free time, if longest is interest-freeThe quantity of time corresponding credit card is one, then longest interest-free time corresponding credit card is determined as optimal credit card, withIt realizes and optimal credit card is determined according to the interest-free time, so that the interest-free time of optimal credit card is longest.If the longest free of interest timeThe quantity of corresponding credit card is at least two, then entering an item of expenditure in the accounts the time based on the interest-free time corresponding credit card of longest, is determined mostLength is entered an item of expenditure in the accounts the time；If longest is entered an item of expenditure in the accounts, the quantity of time corresponding credit card is one, and longest is entered an item of expenditure in the accounts time corresponding creditCard is determined as optimal credit card, optimal credit card is determined according to interest-free time and time of entering an item of expenditure in the accounts to realize, so that optimal credit cardThe interest-free time be longest and the time of entering an item of expenditure in the accounts is longest.If longest is entered an item of expenditure in the accounts, the quantity of time corresponding credit card is at least two,Remaining sum then is consumed based on what longest entered an item of expenditure in the accounts time corresponding credit card, determines that maximum can consume remaining sum；It can be consumed according to maximumThe corresponding credit card of remaining sum, determines optimal credit card, to realize according to interest-free time, the time of entering an item of expenditure in the accounts and can consume remaining sum determination mostExcellent credit card, so that the interest-free time of optimal credit card is longest, the time of entering an item of expenditure in the accounts is longest and can consume remaining sum maximum.
In one embodiment, after step S33, i.e., in the priority for determining each credit card, highest priority is chosenCredit card the step of being determined as optimal credit card after, credit card recommended method further include: based on the preferential of each credit cardGrade obtains credit card and is recommended to use list.
Specifically, server-side according to each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts and can consume remaining sum, determine everyThe priority of one credit card, and root obtains credit card and is recommended to use list, that is, choose according to the corresponding priority of each credit cardThe optimal credit card of priority is determined as optimal credit card, and the credit card that priority is taken second place sorts after optimal credit card.For example, credit detent A, B and C corresponding with client's login account, determine the priority of A, B and C credit card, if A credit card is excellentFirst grade is optimal, and B credit card priority is taken second place, and C credit card priority obtains letter finally, then according to the priority of each credit cardList is recommended to use with card.
After step S50, i.e., obtain client current location predeterminable area within the scope of or target area preset areasAll Business Information within the scope of domain, after each Business Information includes the steps that preferential dynamics, credit card recommended method is also wrappedInclude following steps:
(1) if preferential dynamics is not more than default dynamics, remaining credit card is recommended to use in list based on credit card and is searchedNetworking data library obtains all quotient within the scope of the predeterminable area of client current location or within the scope of the predeterminable area of target areaFamily's information, each Business Information includes correspondent bank and preferential dynamics.
Wherein, default dynamics refers to pre-set dynamics, for determining whether the preferential dynamics in Business Information can be intoThe value that row is recommended.Correspondent bank refers to that remaining credit card consumes the hair fastener silver for the credit card that can be enjoyed privileges in the businessmanRow.For example, the correspondent bank for including in Business Information is China Reconstructs, i.e., by the credit card of China Construction Bank in the businessmanConsume can enjoy privileges.
Specifically, server-side obtains the corresponding preferential dynamics of optimal credit card, if the preferential dynamics is not more than default dynamics,Remaining credit card in credit card recommendation list is then obtained, networking data library is searched according to remaining credit card, obtains client's present bitAll Business Information within the scope of the predeterminable area set or within the scope of the predeterminable area of target area include in each Business InformationCorrespondent bank and preferential dynamics, wherein further include Merchant name and businessman geographical location etc. in Business Information.It needs to illustrateIt is that the issuing bank of correspondent bank and any credit card in remaining credit card matches, is matched with will pass through with correspondent bankRemaining credit card consumed in the businessman, improve Business Information recommend accuracy rate.
(2) descending sort is carried out to the preferential dynamics in all Business Information, the corresponding quotient of preferential dynamics of top N will be arrangedFamily's information and the corresponding credit card of correspondent bank feed back to client.
Specifically, the preferential dynamics in server-side pair all Business Information corresponding with remaining credit card carries out descending rowSequence, the corresponding Business Information of preferential dynamics and correspondent bank of top N feed back to client side by side.For example, with remaining credit cardCorresponding all Business Information are ten, determine the corresponding preferential dynamics of ten Business Information, and according in each Business InformationPreferential dynamics carry out descending sort, i.e., by before the larger corresponding Business Information row of preferential dynamics, conversely, preferential dynamics is smallerBusiness Information row after, the correspondent bank of the corresponding Business Information of favour dynamics of the row's of acquisition top N, by the correspondent bank and remainingThe issuing bank of credit card is matched, and is matched by the corresponding Business Information of preferential dynamics for arranging top N and with correspondent bankThe credit card of function feeds back to client, to realize to the preferential Business Information with stronger dynamics of remaining credit card and associated creditCard is recommended.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each processExecution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limitIt is fixed.
In one embodiment, a kind of credit card recommendation apparatus is provided, is believed in the credit card recommendation apparatus and above-described embodimentIt is corresponded with card recommended method.As shown in fig. 7, the credit card recommendation apparatus includes that analysis request obtains module 10, bill numberModule 50 and information are obtained according to module 20, optimal credit card acquisition module 30, recommendation request generation module 40, Business Information is obtainedFeedback module 60.Detailed description are as follows for each functional module:
Analysis request obtains module 10, and for obtaining credit card analysis request, credit card analysis request includes client's loginAccount.
Billing data obtains module 20, for obtaining all credits card corresponding with client's login account, obtains each letterIt is obtained with the corresponding billing data of card, the database lookup of issuing bank of the billing data based on credit card.
Optimal credit card obtains module 30, for obtaining optimal credit card according to the corresponding billing data of each credit card.
Recommendation request generation module 40, for generating recommendation request, recommendation request includes that client works as according to optimal credit cardFront position or target area.
Business Information obtains module 50, for being based on optimal credit card inquiry networking data library, obtains client current locationPredeterminable area within the scope of or the predeterminable area of target area within the scope of all Business Information, each Business Information includes preferentialDynamics.
Information feedback module 60, if being greater than pre set force degree for preferential dynamics, by the corresponding Business Information of preferential dynamicsClient is fed back to optimal credit card.
In one embodiment, before analysis request obtains module 10, credit card recommendation apparatus further includes that registration request obtainsUnit, credit card is taken to preset unit, timing analysis generation unit and inquiry message generation unit.
Registration request acquiring unit, for obtaining the registration request of client transmission, registration request includes that client logs in accountNumber.
Credit card presets unit, for according to client's login account, obtaining that client sends and client's login account pairAt least one credit card answered, and by client's login account and at least one credit card associated storage.
Timing analysis generation unit, for sending the automatic authorized application information for obtaining bill to client, if gettingThe license confirmation information of client feedback then triggers timed task according to license confirmation information, automatic in the preset triggered timeGenerate credit card analysis request corresponding with client's login account.
Inquiry message generation unit, if the authorization NACK messages for getting client feedback, according to authorization negativeInformation configures inquiry message corresponding with client's login account.
In one embodiment, before timing analysis generation unit, credit card recommendation apparatus further includes that configuring request obtainsUnit and timed task configuration unit.
Configuring request acquiring unit, for obtaining timed task configuring request, when timed task configuring request includes triggeringBetween and trigger condition.
Timed task configuration unit, for being based on triggered time and trigger condition, configuring timing tasks, trigger condition is to obtainGet the license confirmation information of client feedback.
In one embodiment, billing data obtains module 20, including issuing bank's determination unit and billing data obtain listMember.
Issuing bank's determination unit, for obtaining issuing bank corresponding with each credit card according to each credit card.
Billing data acquiring unit, for obtaining by presetting the corresponding database of third party's interface polls issuing bankBilling data corresponding with each credit card, billing data include that can consume remaining sum, refund date and the date of entering an item of expenditure in the accounts.
In one embodiment, it includes interest-free time determination unit, time of entering an item of expenditure in the accounts determining list that optimal credit card, which obtains module 30,First and optimal credit card determination unit.
Interest-free time determination unit obtains each credit for the request date and refund date according to each credit cardBlock the corresponding interest-free time.
It enters an item of expenditure in the accounts time determination unit, for according to request date of each credit card and entering an item of expenditure in the accounts the date, obtains each creditBlock corresponding enter an item of expenditure in the accounts the time.
Optimal credit card determination unit, for being based on each credit card corresponding interest-free time, the time of entering an item of expenditure in the accounts and can consumeRemaining sum determines the priority of each credit card, and the credit card for choosing highest priority is determined as optimal credit card.
In one embodiment, optimal credit card determination unit, including longest interest-free time determine subelement, the first optimal letterDetermine that subelement, longest time of entering an item of expenditure in the accounts determine that subelement, the second optimal credit card determine that subelement, maximum can consume remaining sum with cardDetermine that subelement and the optimal credit card of third determine subelement.
The longest free of interest time determines subelement, for obtaining longest free of interest based on each credit card corresponding interest-free timeTime.
First optimal credit card determines subelement, if the quantity for longest interest-free time corresponding credit card is one,Longest interest-free time corresponding credit card is then determined as optimal credit card.
Longest time of entering an item of expenditure in the accounts determines subelement, if the quantity for longest interest-free time corresponding credit card is at least twoA, then entering an item of expenditure in the accounts the time based on the interest-free time corresponding credit card of longest, determines that longest is entered an item of expenditure in the accounts the time.
Second optimal credit card determines subelement, if for longest enter an item of expenditure in the accounts time corresponding credit card quantity be one,Longest time corresponding credit card of entering an item of expenditure in the accounts then is determined as optimal credit card.
Maximum can consume remaining sum and determine subelement, if being at least two for the enter an item of expenditure in the accounts quantity of time corresponding credit card of longestIt is a, then remaining sum is consumed based on what longest entered an item of expenditure in the accounts time corresponding credit card, determines that maximum can consume remaining sum.
The optimal credit card of third determines subelement, for that can consume the corresponding credit card of remaining sum according to maximum, determines optimalCredit card.
In one embodiment, after optimal credit card determination unit, credit card recommendation apparatus further includes being recommended to use columnTable acquiring unit.
It is recommended to use list acquiring unit, for the priority based on each credit card, credit card is obtained and is recommended to use columnTable.
After Business Information obtains module 60, credit card recommendation apparatus further includes that Business Information acquiring unit and information are anti-Present unit.
Business Information acquiring unit is recommended to use column based on credit card if being not more than default dynamics for preferential dynamicsRemaining credit card searches networking data library in table, obtains the default of within the scope of the predeterminable area of client current location or target areaAll Business Information in regional scope, each Business Information include correspondent bank and preferential dynamics.
Information feedback unit will arrange the excellent of top N for carrying out descending sort to the preferential dynamics in all Business InformationThe corresponding businessman's activity of favour dynamics and the corresponding credit card of correspondent bank feed back to client.
Specific about credit card recommendation apparatus limits the restriction that may refer to above for credit card recommended method,This is repeated no more.Modules in above-mentioned credit card recommendation apparatus fully or partially through software, hardware and its group and can comeIt realizes.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with softwareForm is stored in the memory in computer equipment, executes the corresponding operation of the above modules in order to which processor calls.
In one embodiment, a kind of computer equipment is provided, which can be server-side, internal junctionComposition can be as shown in Figure 8.The computer equipment include by system bus connect processor, memory, network interface andDatabase.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory packet of the computer equipmentInclude non-volatile memory medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and dataLibrary.The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The calculatingThe database of machine equipment is used to store the corresponding relationship of credit card Yu client's login account, the corresponding issuing bank of credit card and quotientFamily's information etc..The network interface of the computer equipment is used to communicate with external terminal by network connection.The computer programTo realize a kind of credit card recommended method when being executed by processor.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory simultaneouslyThe computer program that can be run on a processor, processor realize that credit card is recommended in above-described embodiment when executing computer programThe step of method, for example, step S10 shown in Fig. 2 to step S60, alternatively, Fig. 3 is to step shown in fig. 6.Processor executesThe function of each module in above-described embodiment in credit card recommendation apparatus is realized when computer program, for example, module 10 shown in Fig. 7To the function of module 60.To avoid repeating, details are not described herein again.
In one embodiment, a kind of computer readable storage medium is provided, computer program, computer are stored thereon withCredit card recommended method in above method embodiment is realized when program is executed by processor, for example, step S10 shown in Fig. 2 is extremelyStep S60, alternatively, Fig. 3 is to step shown in fig. 6.The computer program is realized in above-described embodiment when being executed by processor to be believedWith the function of module each in card recommendation apparatus, for example, function of the module 10 shown in Fig. 7 to module 60.To avoid repeating, herein notIt repeats again.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be withRelevant hardware is instructed to complete by computer program, computer program can be stored in a non-volatile computer and can be readIn storage medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the applicationTo any reference of memory, storage, database or other media used in provided each embodiment, may each comprise non-Volatibility and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM (PROM),Electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include arbitrary accessMemory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms, such as staticRAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhanced SDRAM(ESDRAM), synchronization link (Synchlink) DRAM (SLDRAM), memory bus (RambuS) directly RAM (RDRAM), straightConnect memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each functionCan unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by differentFunctional unit, module are completed, i.e., the internal structure of device are divided into different functional unit or module, to complete above descriptionAll or part of function.
The above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although with reference to the foregoing embodimentsInvention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each implementationTechnical solution documented by example is modified or equivalent replacement of some of the technical features；And these modification orReplacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all includeWithin protection scope of the present invention.