CN113807916A

CN113807916A - Service recommendation processing method and device

Info

Publication number: CN113807916A
Application number: CN202111027463.3A
Authority: CN
Inventors: 陈莲玉
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-09-02
Filing date: 2021-09-02
Publication date: 2021-12-17

Abstract

The embodiment of the specification provides a service recommendation processing method and a service recommendation processing device, wherein the service recommendation processing method comprises the following steps: reading structured data determined based on a historical payment record of a user based on a payment request submitted by a user terminal; clustering the structured data according to the area identification contained in the structured data to obtain a service set of an area unit corresponding to at least one area identification; and recommending payment service to the user based on the service set.

Description

Service recommendation processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a service recommendation processing method and device.

Background

With the development of internet technology and the wide application of the internet in various fields, more and more users select lines for payment, the users need to log in an application program for information input, and recharge and pay after passing verification, wherein the number of items that the users need to pay is large, and the users need to select target payment items from numerous payment items, which often requires much time when selecting the payment items, so that the users have poor payment experience. Therefore, how to improve the payment experience of the user and expand the payment related services gradually becomes the focus of the attention of the service provider.

Disclosure of Invention

One or more embodiments of the present specification provide a service recommendation processing method, which is applied to a server, and includes: based on a payment request submitted by a user terminal, reading structured data determined based on a historical payment record of a user. And clustering the structured data according to the area identifiers contained in the structured data to obtain a service set of the area unit corresponding to at least one area identifier. And recommending payment service to the user based on the service set.

One or more embodiments of the present specification provide another service recommendation processing method, which is applied to a user terminal, and includes: and sending a payment request to the server based on a trigger instruction of the user to the payment access control. And acquiring a payment service page obtained by rendering based on the service set and the area name of the area unit. Displaying a payment service page carrying a service identifier of each payment service in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

One or more embodiments of the present specification provide a service recommendation processing apparatus, operating on a server, including: the data reading module is configured to read structured data determined based on the historical payment records of the user based on the payment request submitted by the user terminal. And the data clustering module is configured to cluster the structured data according to the area identifiers contained in the structured data to obtain a service set of the area unit corresponding to at least one area identifier. And the service recommendation module is configured to recommend payment services to the user based on the service set.

One or more embodiments of the present specification provide another service recommendation processing apparatus, operating on a user terminal, including: and the request sending module is configured to send a payment request to the server based on a triggering instruction of the user on the payment access control. The page acquisition module is configured to acquire a payment service page obtained by rendering based on the service set and the area name of the area unit. The page display module is configured to display payment service pages carrying service identifiers of the payment services in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

One or more embodiments of the present specification provide a service recommendation processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: based on a payment request submitted by a user terminal, reading structured data determined based on a historical payment record of a user. And clustering the structured data according to the area identifiers contained in the structured data to obtain a service set of the area unit corresponding to at least one area identifier. And recommending payment service to the user based on the service set.

One or more embodiments of the present specification provide another service recommendation processing device including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and sending a payment request to the server based on a trigger instruction of the user to the payment access control. And acquiring a payment service page obtained by rendering based on the service set and the area name of the area unit. Displaying a payment service page carrying a service identifier of each payment service in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: based on a payment request submitted by a user terminal, reading structured data determined based on a historical payment record of a user. And clustering the structured data according to the area identifiers contained in the structured data to obtain a service set of the area unit corresponding to at least one area identifier. And recommending payment service to the user based on the service set.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and sending a payment request to the server based on a trigger instruction of the user to the payment access control. And acquiring a payment service page obtained by rendering based on the service set and the area name of the area unit. Displaying a payment service page carrying a service identifier of each payment service in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

fig. 1 is a flowchart illustrating a service recommendation processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a schematic illustration of a service page provided in one or more embodiments of the disclosure;

fig. 3 is a processing sequence diagram of a service recommendation processing method applied to a payment scenario according to one or more embodiments of the present specification;

FIG. 4 is a flow diagram of another service recommendation processing method provided in one or more embodiments of the present disclosure;

fig. 5 is a schematic diagram of a service recommendation processing apparatus according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of another service recommendation processing device provided in one or more embodiments of the present disclosure;

fig. 7 is a schematic structural diagram of a service recommendation processing device according to one or more embodiments of the present specification;

fig. 8 is a schematic structural diagram of another service recommendation processing device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a service recommendation processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a service recommendation processing method provided in this embodiment, referring to fig. 2, which shows a schematic diagram of a service page provided in this embodiment, and referring to fig. 3, which shows a processing sequence diagram of a service recommendation processing method applied to a payment scenario provided in this embodiment.

Referring to fig. 1, the service recommendation processing method provided in this embodiment specifically includes step S102 to step S106.

Step S102, reading structured data determined based on the historical payment record of the user based on the payment request submitted by the user terminal.

In the service recommendation processing method provided by this embodiment, through cooperation with the user terminal, in the process of payment access by the user, structured data is determined based on a historical payment record, based on the determined structured data, the structured data is clustered according to a cell identifier included in the structured data, so that services corresponding to the same cell are aggregated together to obtain a service set, that is, a payment service set corresponding to each cell, and service recommendation is performed to the user based on the service set, so that the user can quickly select a target payment service in a cell unit, the user time is saved, and the user experiences better payment service experience.

In the specific implementation, in the process of accessing the payment service by the user, reading structured data determined based on the historical payment record of the user based on a payment request submitted by a user terminal; the historical payment record comprises a record voucher of payment information generated after a user selects payment service and performs recharging payment when paying, and the historical payment record comprises at least one of the following items: user identification, user service identification and area unit address; the user service identification (such as an electric charge account number) and the area unit address (such as a cell address) can be collected based on an information input control; the user identification is a uniform identification code of the user. The structured data is determined based on the historical payment records of the user, in the form of data such as "user ID + number of user + cell ID".

Specifically, there are two ways to obtain the structured data, and the following provides two specific implementation processes for obtaining the structured data respectively.

In an optional implementation manner provided by this embodiment, the structured data is obtained by:

reading position information from the historical payment record, and extracting a region name field from the position information; the position information is collected after the user performs position authorization;

matching the extracted area name field with a reference area name in a preset database;

generating the structured data according to the area identification corresponding to the reference area name determined by matching processing; the structured data includes at least one of: user identification, user service identification and area identification.

For example, the location information read from the historical payment record of the user a is "xx district xx street a1 cell xx city xx", then the area name field is extracted from the read location information as "a 1 cell", further the "a 1 cell" is matched with the area name "a 1 cell" in the preset database, after the matching is successful, the area identifier "xxxxxxx" corresponding to the "a 1 cell" is read, and finally the structured data "xxxxxxxxx + xxxxxxx + xxxxxxx" is generated by using the user identifier "xxxxxxx" of the user a, the user service identifier "xxxxxxx" included in the historical payment record, and the area identifier "xxxxx".

In addition, the acquisition mode of the structured data may also be directly reading a desensitization address field from the historical payment record, and then performing matching processing with the user transaction address of the third party platform, specifically, in an optional implementation manner provided by this embodiment, the structured data is acquired by the following method:

desensitization address fields contained in the historical payment records are obtained, and the desensitization address fields are matched with the transaction addresses of the users stored by a third-party platform;

reading a region name field from a transaction address obtained by matching processing;

matching the read area name field with a reference area name in a preset database, and reading an area identifier corresponding to the matched reference area name from the preset database;

and generating the structured data according to the user identification of the user, the user service identification contained in the historical payment record and the read area identification.

For example, a desensitization address field acquired from a historical payment record of a user b is a "C1 room", a transaction address of the user introduced from a third party platform is a "xx district xx street a1 cell" in xx city xx street a1 cell ", matching processing is performed on the" C1 room "and the" xx district xx city xx district xx street a1 cell ", the cells belonging to the same place are identified, after matching is completed, a region name field" a1 cell "is extracted from the" xx district xx city xx district xx street a1 cell ", the" a1 cell "is matched with a region name" a1 cell "in a preset database, after matching is successful, a region identifier" xxxxxxx "corresponding to the" a1 cell "is read, and finally, a user identifier" xxxxxxxxx "and a region identifier" xxxxxxx + xxx "are generated by using the user identifier" xxxxxxx "xxxxx + xxx" included in the historical payment record.

It should be noted that the desensitization rule of the desensitization address field is not fixed, and the hidden field is also not fixed, for example, the desensitization address field may be "C1 room", or "B1 unit C1 room", and this embodiment is not limited herein; the desensitization address field includes a desensitization address obtained from a third party authority.

And in the acquisition process, the area name field is derived from the position information acquired after the position authorization of the user on one hand and the transaction address of the user stored in the third-party platform obtained by matching processing on the other hand. And matching the extracted area name field with a reference area name in a preset database through any one of structural data acquisition modes after the extraction of the area name field is completed, and generating structural data according to an area identifier, a user identifier and a user service identifier which are read from the preset database and correspond to the reference area name after the matching is successful. Through the various modes of setting up the data source, can provide the helping hand in the efficiency that data acquireed, make the service side can accomplish the service more high-efficiently.

The structured data can be obtained in two ways, one is to read a desensitization address field from a historical payment record, then carry out matching processing with a user transaction address of a third-party platform, extract a region name field from the transaction address obtained through matching processing, and the other is to obtain position information from the historical payment record and extract the region name field from the position information. And after the extraction of the area name field is completed, matching the extracted area name field with a reference area name in a preset database, and after the matching is successful, generating structured data according to an area identifier, a user identifier and a user service identifier which correspond to the reference area name read in the preset database. In addition, the two implementation manners may also be combined to obtain the structured data, so as to satisfy the diversity of the obtaining sources of the structured data, in an optional implementation manner provided by this embodiment, the structured data is obtained by:

reading position information from the historical payment record; the position information is collected after the user performs position authorization;

if the read position information is null, acquiring a desensitization address field contained in the historical payment record, matching the desensitization address field with the transaction address of the user stored by a third-party platform, and reading an area name field from the transaction address obtained by matching;

matching the read area name field with the area name in a preset database, and reading an area identifier corresponding to the matched area name from the preset database;

and generating the structured data according to the user identification, the user service identification contained in the historical payment record and the corresponding area identification.

And step S104, clustering the structured data according to the area identification contained in the structured data to obtain a service set of the area unit corresponding to at least one area identification.

The area identifier includes a cell name identifier, and is represented by a uniform identifier code, for example, the area identifier may be a uniform 7-digit identifier code "xxxxxxx", and the area unit includes a specific cell unit.

The service set is obtained by the following steps: clustering the structured data according to the area identifiers contained in the structured data to obtain a service set of the area unit corresponding to at least one area identifier. For example, a user a has two properties, where the position of property 1 is "a 1 cell C1 room", the position of property 2 is "a 2 cell C2 room", and service sets corresponding to the two properties are respectively shown in the user terminal as follows:

the service set corresponding to the "cell a 1C 1" is shown as "water rate, householder: a, address: a C1 chamber; electricity charge, householder: a, address: c1 chamber ";

the service set corresponding to the "cell a 2C 2" is shown as "water rate, householder: a, address: a C2 chamber; electricity charge, householder: a, address: c2 chamber ".

In the specific execution process, clustering is carried out on the structured data according to the area identifiers contained in the structured data, in the clustering process, clustering is carried out by inputting the structured data into a clustering algorithm, wherein the clustering algorithm carries out clustering according to the area identifiers in the clustering process, correspondingly, after the clustering is finished, at least one cluster is output in a clustering mode, and each cluster is a service set of the area unit corresponding to the corresponding area identifier. And clustering the structured data according to the area identification to improve the perception degree of the user to the service set of each area unit and reduce the time spent by the user in the process of selecting the payment service.

It should be added that the number of service sets is determined according to the number of properties of the user, and following the above example, the user a has two properties, where the position of the property 1 is "a 1 cell C1 room", and the position of the property 2 is "a 2 cell C2 room", and then the service sets formed by clustering the structured data of the user a correspond to two of "a 1 cell" and "a 2 cell".

And step S106, recommending payment service to the user based on the service set.

In this embodiment, the user may own a plurality of housing properties, may own a set of housing properties, rents a set of housing properties, or may own only a set of housing properties, and in view of this, the user may perform payment service recommendation of the target area unit and payment service recommendation of the candidate area unit in the process of performing payment service recommendation to the user based on the service set under the condition that the user pays for the plurality of housing properties. In an optional implementation manner provided by this embodiment, the recommending, to the user, a payment service based on the service set includes:

determining the service type of the target paid service in the service set of the target area unit and the service type of the candidate paid service in the service set of the candidate area unit;

inquiring the recommended service of the target area unit based on the service category of the target paid service, updating the recommended service of the target area unit to the service set of the target area unit, inquiring the recommended service of the candidate area unit based on the service category of the candidate paid service, and updating the recommended service of the candidate area unit to the service set of the candidate area unit;

and sending the area name of the target area unit, the updated service set, the area name of the candidate area unit and the updated service set to the user terminal.

For example, in the process of recommending payment services to the user a based on the service set, the number of services paid by the user a in the service set corresponding to the "a 1 cell" is 4, including water payment service, electricity payment service, gas payment service, and fixed-line telephone payment service, and other payment services covered by querying the "a 1 cell", that is, the recommendation service further includes 3: the method comprises the steps of broadband fee payment service, property fee payment service and heating fee payment service, and updating 3 inquired recommended services into a service set corresponding to an 'A1 cell', namely, the updated service set corresponding to the 'A1 cell' comprises 4 paid services (water fee payment service, electric fee payment service, gas fee payment service and fixed telephone fee payment service) and 3 recommended services (broadband fee payment service, property fee payment service and heating fee payment service), and the 7 paid services jointly form an updated service set corresponding to an 'A1 cell', wherein the 'A1 cell' corresponds to the area name of an area unit.

In addition, under the condition that the user pays for a set of house property, the payment service recommendation of the target area unit can be carried out in the payment service recommendation process of the user based on the service set. In an optional implementation manner provided by this embodiment, the recommending, to the user, a payment service based on the service set includes:

determining the service type of the paid service in the service set of the target area unit;

inquiring the recommended service of the target area unit based on the service category, and updating the recommended service to the service set of the target area unit;

and sending the area name and the updated service set of the target area unit to the user terminal.

It should be noted that, the target area unit is an area unit that recommends for the first in the payment service page, and the determination manner of the target area unit is diversified, and optionally, the target area unit is determined by collecting the location information of the user according to the location authorization of the user, and/or determined according to the location information included in the historical payment record.

As described above, if a user owns multiple real estate, a payment service recommendation is to be performed on a service set of a region unit corresponding to the multiple real estate, in an optional implementation manner provided in this embodiment, after receiving a region name of a target region unit, an updated service set, a region name of a candidate region unit, and an updated service set, the user terminal performs the following operations:

rendering and displaying a page according to the area name of the target area unit, the updated service set of the target area unit and the area name of the candidate area unit;

the payment service page obtained after page rendering comprises a service sub-page of the target area unit and an access control of the candidate area unit; and the service sub-page is configured with a service access entry of each service in the service set updated by the target area unit.

It should be noted that, on the basis of displaying the area name, the user terminal may edit the area name in a user-defined manner, for example, the user b has two sets of properties in the a1 cell, and the user b may respectively modify the area names corresponding to the two clustered service sets into "No. 1 in the a1 cell" and "No. 2 in the a1 cell", or directly modify the area names into "No. 1" and "No. 2", so that the user may adjust the area names according to the identification habits, provide assistance for the user to quickly identify the properties, and pay for the identified properties after identifying the corresponding properties.

Further, in the process of paying the fee, if the charging and paying of the fee for the fee-paying service are performed for the candidate area unit, the access control of the candidate area unit needs to be triggered, specifically, in an optional implementation manner provided in this embodiment, after the access control of any candidate area unit in the fee-paying service page is triggered, the user terminal performs the following operations:

performing sub-page rendering on any candidate area unit according to the updated service set of any candidate area unit;

and updating the service sub-page of the target area unit displayed in the payment service page by using the service sub-page obtained by rendering.

In practical application, in one case, the page rendering may be performed by a user terminal, specifically, the area name of the target area unit, the updated service set, the area names of the candidate area units, and the updated service set after the payment service recommendation is performed are generated and then sent to the user terminal, and when the user accesses the mobile terminal, the user terminal performs the page rendering and displaying on the payment service page for the user to select; in another case, the page rendering may be performed by the server, specifically, after the area name of the target area unit, the updated service set, the area name of the candidate area unit, and the updated service set, which are recommended by the payment service, are generated, the service sub-page rendering of the target area unit may be performed according to the area name of the target area unit and the updated service set, the service sub-page rendering of the candidate area unit may be performed according to the area name of the candidate area unit and the updated service set, and when the user accesses the service, the payment service page obtained by the page rendering is sent to the user terminal for the user to view.

On this basis, in the process of recommending payment services to the user based on the service set, if the payment services in the service set already cover all the payment services supported by the area unit corresponding to the service set, that is, the recommended services corresponding to the inquired area unit are empty, the service set updated by the area unit is the service set formed by the payment services.

In an optional implementation manner provided by this embodiment, the recommending, to the user, a payment service based on the service set includes:

performing page rendering according to the area name of the target area unit, the service set of the target area unit and the area name of the candidate area unit;

sending a payment service page obtained by rendering to the user terminal;

the payment service page comprises a service sub-page of the target area unit and an access control of the candidate area unit;

and the service sub-page is configured with a service access entrance of each service in the service set of the target area unit.

In specific implementation, page rendering is processed by the server, the obtained rendered payment service page is sent to the user terminal, and meanwhile, the service set of the target area unit does not include recommended services.

The system is characterized in that the system comprises a plurality of regional identification units, wherein the regional identification units are arranged on the regional identification units, and the regional identification units are connected with the regional identification units.

The following further describes the service recommendation processing method provided in this embodiment by taking an application of the service recommendation processing method provided in this embodiment in a payment scenario as an example, and referring to fig. 3, the service recommendation processing method applied in the payment scenario specifically includes the following steps.

Step S304, receiving a payment request submitted by a user terminal.

Before that, the user terminal submits a payment request based on a trigger instruction of the user to the payment access control.

Step S306, based on the payment request submitted by the user terminal, reading the structured data determined based on the historical payment record of the user.

Step S308, clustering the structured data according to the area identification contained in the structured data, and obtaining the service set of the area unit corresponding to at least one area identification.

Step S310, determine the service category of the target paid service in the service set of the target area unit and the service category of the candidate paid service in the service set of the candidate area unit.

Step S312, the recommended service of the target area unit is inquired based on the service category of the target paid service, and the recommended service of the candidate area unit is inquired based on the service category of the candidate paid service.

Step S314, update the recommended service of the target area unit into the service set of the target area unit, and simultaneously update the recommended service of the candidate area unit into the service set of the candidate area unit.

Step S316, sending the area name of the target area unit, the updated service set, the area names of the candidate area units, and the updated service set to the user terminal.

And then, the user terminal receives the sent area name of the target area unit, the updated service set, the area names of the candidate area units and the updated service set, performs page rendering and display according to the area name of the target area unit, the updated service set of the target area unit and the area names of the candidate area units, further performs sub-page rendering of any candidate area unit according to the updated service set of any candidate area unit based on a trigger instruction obtained by triggering an access control of any candidate area unit in the payment service page by the user, and updates the service sub-page of the target area unit displayed in the payment service page by using the service sub-page obtained by rendering.

In summary, the service recommendation processing method provided in this embodiment first receives a payment request submitted by a user terminal, reads structured data determined based on a historical payment record of a user based on the payment request, and clusters the structured data according to an area identifier included in the structured data, thereby obtaining a service set of an area unit corresponding to at least one area identifier; secondly, determining the service type of the target paid service in the service set of the target area unit and the service type of the candidate paid service in the service set of the candidate area unit, and inquiring the recommended service of the target area unit based on the service type of the target paid service and inquiring the recommended service of the candidate area unit based on the service type of the candidate paid service; and finally, updating the recommendation service of the target area unit into the service set of the target area unit, updating the recommendation service of the candidate area unit into the service set of the candidate area unit, and sending the area name of the target area unit, the updated service set, the area name of the candidate area unit and the updated service set to the user terminal, so that the payment is intelligentized, the user can conveniently and quickly find the payment account number through the clustering of structured data, the recommendation service of the payment service is provided for the user, the service humanization is realized, and the use experience of the user is improved.

The implementation process of the service recommendation processing method applied to the payment application scenario provided by the embodiment of the method is executed by the user terminal, and the implementation process and the user terminal are matched with each other in the execution process, so that the implementation process refers to the corresponding content of the embodiment of the method.

Another embodiment of a service recommendation processing method provided in this specification is as follows:

in the foregoing embodiment, a service recommendation processing method is provided, and in cooperation with the service recommendation processing method, another service recommendation processing method is further provided in this embodiment, which is described below with reference to the accompanying drawings.

Referring to fig. 4, which shows a processing flow chart of another service recommendation processing method provided in this embodiment, referring to fig. 2, which shows a schematic diagram of a service page showing the service recommendation processing method provided in this embodiment, referring to fig. 3, which shows a processing sequence diagram of a service recommendation processing method applied to a payment scenario provided in this embodiment.

The service recommendation processing method provided by the embodiment is applied to a server, and the service recommendation processing method provided by the embodiment is applied to a user terminal, and the two are matched with each other in the execution process, so that the corresponding contents of the embodiment of the method are referred to for reading, and the embodiment is not described in detail herein.

Referring to fig. 4, the present embodiment provides a service recommendation processing method, which is applied to a user terminal and specifically includes steps S402 to S406.

Step S402, sending a payment request to a server based on a trigger instruction of a user to the payment access control.

In the service recommendation processing method provided by this embodiment, the service set and the cell name corresponding to the cell sent by the server are obtained by matching with the server, page rendering is performed, and the payment service page obtained by rendering is displayed after rendering is completed, so that the user can quickly select a target payment service by using the cell as a unit, the user time is saved, and the user can feel better payment service experience.

In specific implementation, the server performs payment processing by triggering a payment access control configured in the application program, and sends a payment request to the server in the payment processing process.

Step S404, a payment service page obtained by rendering based on the service set and the area name of the area unit is obtained.

The service set described in this embodiment is obtained by the following method: clustering the structured data according to the area identification contained in the structured data to obtain a service set of an area unit corresponding to at least one area identification; for example, a user a has two properties, the position of property 1 is "a 1 cell C1 room", the position of property 2 is "a 2 cell C2 room", and the service sets corresponding to the two properties are shown as follows:

the service set corresponding to "cell a 1C 1" is shown as "water rate, householder: a, address: a C1 chamber; electricity charge, householder: a, address: c1 chamber ";

the service set corresponding to "cell a 2C 2" is shown as "water rate, householder: a, address: a C2 chamber; electricity charge, householder: a, address: c2 chamber ".

Wherein the structured data is determined from reading a user-based historical payment record in the form of, for example, "user ID + subscriber number + cell ID". The historical payment record comprises a record voucher of payment information generated after a user selects payment service and performs recharging payment when paying, and the historical payment record comprises at least one of the following items: user identification, user service identification and area unit address; the user service identification (such as an electric charge account number) and the area unit address (such as a cell address) can be collected based on an information input control; the user identification is a uniform identification code of the user.

The payment service page comprises a service sub-page of the target area unit and an access control of the candidate area unit; and the service sub-page is configured with a service access entrance of each service in the service set after the target area unit is updated.

In view of the above, under the condition of paying for the multiple real estate, after the user sends a payment request to the server, the user receives the area name and the service set of the area unit sent by the server, and then performs page rendering according to the area name and the service set of the area unit; wherein the region unit includes a target region unit and a candidate region unit. In an optional implementation manner provided by this embodiment, the obtaining a payment service page rendered based on a service set and an area name of an area unit includes:

receiving the area name of the target area unit, the updated service set, the area name of the candidate area unit and the updated service set which are sent by the server;

correspondingly, page rendering is carried out according to the received area name of the target area unit, the updated service set of the target area unit and the area name of the candidate area unit;

For example, in the schematic diagram of the payment service page shown in fig. 2, the "cell 1" corresponds to the target area unit, the "cell 2" corresponds to the candidate area unit, and the switching of the service sub-page of the candidate area unit is responded by triggering the "cell 2" control, that is, the "cell 2" control corresponds to the access control of the candidate area unit. In addition, in the schematic diagram of the payment service page shown in fig. 2, the service set corresponding to the target area unit is an updated service set, the number of paid services in the updated service set is 4, including water fee payment service, electric fee payment service, gas fee payment service, and fixed telephone fee payment service, and the recommendation service includes 3: the system comprises a broadband fee payment service, a property fee payment service and a heating fee payment service, wherein the 7 payment services jointly form an updated service set corresponding to the 'No. 1 cell'.

In addition, in a case that the user pays for a set of properties, in an optional implementation manner provided in this embodiment, the obtaining of the payment service page rendered based on the service set and the area name of the area unit includes:

receiving the area name of the target area unit and the updated service set sent by the server;

correspondingly, page rendering is carried out according to the received area name of the target area unit and the updated service set of the target area unit;

the payment service page obtained after page rendering comprises a service sub-page of the target area unit; and the service sub-page is configured with a service access entry of each service in the service set updated by the target area unit.

In practical application, in one case, the page rendering may be performed by a user terminal, specifically, the area name of the target area unit, the updated service set, the area names of the candidate area units, and the updated service set after the payment service recommendation is performed by the server may be received, and when the user accesses the page rendering, the page rendering is performed on the payment service page and the page rendering is displayed, so that the user can select the page rendering; in another case, the page rendering may be performed by the server, specifically, after the area name of the target area unit, the updated service set, the area name of the candidate area unit, and the updated service set, which are recommended by the payment service, are generated, the server may perform the service sub-page rendering of the target area unit according to the area name of the target area unit and the updated service set, perform the service sub-page rendering of the candidate area unit according to the area name of the candidate area unit and the updated service set, and when the user accesses, receive the payment service page obtained by the server page rendering for the user to view.

In addition, if the paid service in the service set already covers all the paid services supported by the area unit corresponding to the service set, that is, the recommended service corresponding to the area unit queried by the server is empty, the service set updated by the area unit is the service set composed of the paid services.

In view of this, in a case that the service set updated by the area unit is a service set composed of paid services, and the rendering process is executed by the server, in an optional implementation manner provided by this embodiment, the acquiring a paid service page rendered based on the service set and the area name of the area unit includes:

acquiring a payment service page which is sent by the server and rendered based on the area name of the target area unit, the service set of the target area unit and the area name of the candidate area unit;

the acquired payment service page comprises a service sub-page of the target area unit and an access control of the candidate area unit;

Step S406, displaying the payment service page carrying the service identifier of each payment service in the service set.

In this embodiment, the service identifier includes a service category identifier of each payment service, for example, the service identifier shows "water fee; electricity charge; gas cost ".

As described above, the payment service page includes the service sub-page of the target area unit and the access control of the candidate area unit; and the service sub-page is configured with a service access entrance of each service in the service set after the target area unit is updated.

In specific implementation, after the payment service page obtained by rendering based on the service set and the area name of the area unit is obtained, page display is performed, the payment service page including the area name of the target area unit, the service set and the area name of the candidate area unit is displayed, and similarly, after the user triggers the access control of the candidate area unit, the payment service page including the area name of the candidate area unit, the service set and the area name of the target area unit is displayed.

In an optional implementation manner provided in this embodiment, after the step of displaying the payment service page carrying the service identifier of each payment service in the service set is executed, the method further includes:

performing sub-page rendering on any candidate area unit according to the updated service set of the candidate area unit;

It is to be added that, on the basis of displaying the area name, the user can edit the area name in a user-defined manner, for example, the user b has two sets of assets in the a1 cell, and the user b can respectively modify the area names corresponding to the two clustered service sets into "No. 1 in the a1 cell" and "No. 2 in the a1 cell", or directly modify into "No. 1" and "No. 2", so that the user can adjust the area names according to the identification habits, provide assistance for the user to quickly identify the cell assets, and pay for life to the identified cell assets after identifying the corresponding cell assets.

In addition, after the payment service page is received and displayed, the service identifier of each payment service in the service set contained in the payment service page is updated, and the user can perform secondary payment by triggering the service identifier, so that the flow in the payment process of the user is simplified, and the time of the user is saved.

Step S302, a payment request is submitted to a server based on a trigger instruction of a user to the payment access control.

Then, the server receives the submitted payment request, reads the structured data determined based on the historical payment record of the user based on the submitted payment request, clusters the structured data according to the area identification contained in the structured data, then obtaining a service set of the area unit corresponding to at least one area identifier, determining the service category of the target paid service in the service set of the target area unit and the service category of the candidate paid service in the service set of the candidate area unit, updating the recommended service of the target area unit to the service set of the target area unit, and meanwhile, updating the recommended service of the candidate area unit into the service set of the candidate area unit, and further sending the area name of the target area unit, the updated service set, the area name of the candidate area unit and the updated service set to the user terminal.

Step S318, receiving the area name of the target area unit, the updated service set, the area names of the candidate area units, and the updated service set.

Step S320, according to the area name of the target area unit, the updated service set of the target area unit and the area name of the candidate area unit, rendering and displaying a page;

step S322, based on the trigger instruction obtained by the access control of any candidate area unit in the user trigger payment service page, performing sub-page rendering of any candidate area unit according to the updated service set of any candidate area unit.

In step S324, the service sub-page of the target area unit displayed in the payment service page is updated by using the service sub-page obtained by rendering.

To sum up, in the service recommendation processing method provided in this embodiment, a payment request is submitted to a server based on a trigger instruction of a user to a payment access control; secondly, receiving the area name of the target area unit, the updated service set, the area name of the candidate area unit and the updated service set which are sent by the server, rendering a page according to the area name of the target area unit, the updated service set of the target area unit and the area name of the candidate area unit, and displaying a payment service page obtained after rendering the page; and finally, based on a trigger instruction obtained by triggering an access control of any candidate area unit in the payment service page by a user, performing sub-page rendering on any candidate area unit according to a service set updated by any candidate area unit, and updating a service sub-page of a target area unit displayed in the payment service page by using the service sub-page obtained by rendering, so that payment is intelligentized, the user can conveniently and quickly find a payment account number through clustering of structured data, a recommendation service of the payment service is provided for the user, service personalization is realized, and the use experience of the user is improved.

An embodiment of a service recommendation processing apparatus provided in this specification is as follows:

in the foregoing embodiment, a service recommendation processing method is provided, and a service recommendation processing apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of a service recommendation processing device provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The embodiment provides a service recommendation processing device, operating in a server, including:

a data reading module 502 configured to read structured data determined based on a historical payment record of a user based on a payment request submitted by a user terminal;

a data clustering module 504, configured to cluster the structured data according to the region identifiers included in the structured data, to obtain a service set of a region unit corresponding to at least one region identifier;

a service recommendation module 506 configured to make payment service recommendations to the user based on the set of services.

Another embodiment of a service recommendation processing apparatus provided in this specification is as follows:

Referring to fig. 6, a schematic diagram of a service recommendation processing device provided in this embodiment is shown.

The embodiment provides a service recommendation processing device, which runs on a user terminal, and includes:

the request sending module 602 is configured to send a payment request to the server based on a trigger instruction of the user on the payment access control;

a page obtaining module 604, configured to obtain a payment service page rendered based on the service set and the area name of the area unit;

a page display module 606 configured to display payment service pages carrying service identifiers of each payment service in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

An embodiment of a service recommendation processing device provided in this specification is as follows:

on the basis of the same technical concept, corresponding to the service recommendation processing method described above, one or more embodiments of the present specification further provide a service recommendation processing device, where the service recommendation processing device is configured to execute the service recommendation processing method provided above, and fig. 7 is a schematic structural diagram of a service recommendation processing device provided in one or more embodiments of the present specification.

The service recommendation processing device provided by the embodiment includes:

as shown in fig. 7, the service recommendation processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a service recommendation processing device. Still further, processor 701 may be configured to communicate with memory 702 to execute a series of computer-executable instructions in memory 702 on the service recommendation processing device. The service recommendation processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input/output interfaces 705, one or more keyboards 706, and the like.

In a particular embodiment, the service recommendation processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the service recommendation processing device, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

reading structured data determined based on a historical payment record of a user based on a payment request submitted by a user terminal;

clustering the structured data according to the area identification contained in the structured data to obtain a service set of an area unit corresponding to at least one area identification;

and recommending payment service to the user based on the service set.

on the basis of the same technical concept, corresponding to the service recommendation processing method described above, one or more embodiments of the present specification further provide a service recommendation processing device, where the service recommendation processing device is configured to execute the service recommendation processing method provided above, and fig. 8 is a schematic structural diagram of a service recommendation processing device provided in one or more embodiments of the present specification.

as shown in fig. 8, the service recommendation processing device may have a large difference due to different configurations or performances, and may include one or more processors 801 and a memory 802, where one or more stored applications or data may be stored in the memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a service recommendation processing device. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer-executable instructions in the memory 802 on the service recommendation processing device. The vehicle reservation processing device may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input/output interfaces 805, one or more keyboards 806, and the like.

sending a payment request to a server based on a trigger instruction of a user to a payment access control;

acquiring a payment service page obtained by rendering based on a service set and the area name of an area unit;

displaying a payment service page carrying a service identifier of each payment service in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the service recommendation processing method described above.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

and recommending payment service to the user based on the service set.

Another storage medium embodiment provided in this specification is as follows:

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the service recommendation processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A service recommendation processing method is applied to a server and comprises the following steps:

and recommending payment service to the user based on the service set.

2. The service recommendation processing method of claim 1, the structured data obtained by:

3. The service recommendation processing method of claim 1, the structured data obtained by:

4. The service recommendation processing method of claim 1, the making payment service recommendations to the user based on the service set, comprising:

sending the area name and the updated service set of the target area unit to the user terminal;

and/or the presence of a gas in the gas,

determining the service types of the candidate paid services in the service set of the candidate area unit;

inquiring the recommended service of the candidate area unit based on the service category of the candidate paid service, and updating the recommended service of the candidate area unit to the service set of the candidate area unit;

and sending the area name of the candidate area unit and the updated service set to the user terminal.

5. The service recommendation processing method according to claim 4, wherein the user terminal, after receiving the area name of the target area unit, the updated service set, and the area name of the candidate area unit, the updated service set, performs the following operations:

6. The service recommendation processing method according to claim 5, wherein after the access control of any candidate area unit in the payment service page is triggered, the user terminal performs the following operations:

7. The service recommendation processing method according to claim 4, wherein the target area unit is determined by collecting location information of the user according to location authorization of the user, and/or determined according to location information included in the historical payment record.

8. The service recommendation processing method of claim 1, the structured data obtained by:

9. The service recommendation processing method of claim 1, the making payment service recommendations to the user based on the service set, comprising:

sending a payment service page obtained by rendering to the user terminal;

10. A service recommendation processing method is applied to a user terminal and comprises the following steps:

11. The service recommendation processing method of claim 10, the service set obtained by:

wherein the structured data is determined based on the user's historical payment records according to the reading.

12. The service recommendation processing method according to claim 10, wherein the acquiring of the payment service page obtained by rendering based on the service set and the area name of the area unit comprises:

and/or the presence of a gas in the gas,

receiving the area name of the candidate area unit and the updated service set sent by the server;

13. The service recommendation processing method according to claim 12, after the step of displaying the payment service page carrying the service identifier of each payment service in the service set is executed, further comprising:

14. The service recommendation processing method according to claim 10, wherein the acquiring of the payment service page obtained by rendering based on the service set and the area name of the area unit comprises:

15. A service recommendation processing apparatus, operating on a server, comprising:

the data reading module is configured to read structured data determined based on a historical payment record of a user based on a payment request submitted by a user terminal;

the data clustering module is configured to cluster the structured data according to the area identifiers contained in the structured data to obtain a service set of an area unit corresponding to at least one area identifier;

and the service recommendation module is configured to recommend payment services to the user based on the service set.

16. A service recommendation processing device, running on a user terminal, comprises:

the request sending module is configured to send a payment request to the server based on a trigger instruction of the user on the payment access control;

the page acquisition module is configured to acquire a payment service page obtained by rendering based on the service set and the area name of the area unit;

the page display module is configured to display payment service pages carrying service identifiers of the payment services in the service set; the service set is determined according to the historical payment records of the users in at least one area unit.

17. A service recommendation processing device comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

and recommending payment service to the user based on the service set.

18. A service recommendation processing device comprising:

19. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

and recommending payment service to the user based on the service set.

20. A storage medium storing computer-executable instructions that when executed by a processor implement the following: