公开(公告)号：US11282052B2

公开(公告)日：2022-03-22

申请号：US16803007

申请日：2020-02-27

Applicant: Advanced New Technologies Co., Ltd.

Inventor： Runyu Xu ,  Zhe Wang ,  Renqiang Xie ,  Jianan Su ,  Hui Liu

IPC: G06Q20/10 ,  G06N3/08 ,  G06Q20/40 ,  G06Q20/22

Abstract: A computer-implemented method includes: determining a target user corresponding to a payment request and a plurality of payment channels corresponding to the payment request; obtaining payment features based on the target user and the plurality of payment channels, in which the payment features include features representing historical characteristics of one or more payments made by the target user using one or more of the plurality of payment channels; determining, based on the payment features, a recommendation score corresponding to each of the plurality of payment channels in accordance with a prediction model; and generating, based on the determined recommendation scores of the plurality of payment channels, a recommendation including at least one of: a selection of at least one of the plurality of payment channels, and a manner of presentation of at least one of the plurality of payment channels.