CN111401985B

CN111401985B - Information display method and device, storage medium and electronic device

Info

Publication number: CN111401985B
Application number: CN202010126587.6A
Authority: CN
Inventors: 徐长焕; 孔祥威; 任鹏远; 谷金冬; 苏杰; 宋佳骏
Original assignee: Jingdong Technology Holding Co Ltd
Current assignee: Jingdong Technology Holding Co Ltd
Priority date: 2020-02-26
Filing date: 2020-02-27
Publication date: 2024-01-16
Anticipated expiration: 2040-02-27
Also published as: CN111401985A

Abstract

The application provides an information display method and device, a storage medium and an electronic device, wherein the method comprises the following steps: determining a target resource ratio of the target object according to the product exchange grade and the object information of the target object, wherein the target resource ratio is the ratio of exchange resources of each product type in a plurality of product types, which are set by a product exchange platform for the target object, to the total exchange resources of the target object, and each product type allows exchange of one or more products; determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; determining a target exchange product under each product type and a target exchange resource of the target exchange product according to the exchange resource of each product type; and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object. By the method and the device, the problem that the article adjustment scheme is unreasonable in configuration in the related art in the mode of manually adjusting the exchanged articles by the user is solved.

Description

Information display method and device, storage medium and electronic device

Technical Field

The present disclosure relates to the field of computers, and in particular, to a method and apparatus for displaying information, a storage medium, and an electronic device.

Background

At present, the financial products in the financial market are various in types and huge in quantity. Investors can invest in ways that manually choose to purchase financial products. However, due to the wide variety of financial products, it is difficult for non-professional investors to choose investment targets. Moreover, most investors need to stare at the market for a long time, and due to the lack of an effective investment scheme, rising and falling investment is likely to be performed.

Therefore, the related art method in which the user manually makes a purchase of the financial product has a problem in that the product purchase scheme is not reasonably configured.

At present, products in the market are various in types and huge in quantity. The user may conduct a product exchange by manually selecting a financial product exchange. However, due to the wide variety of products, it is difficult for non-professionals to choose investment targets. Therefore, the related art has a problem that the configuration of the article adjustment scheme is not reasonable because the user manually adjusts the manner of exchanging the articles.

Disclosure of Invention

The embodiment of the application provides an information display method and device, a storage medium and an electronic device, which at least solve the problem that a product purchasing scheme is unreasonable in a mode of manually purchasing financial products by a user or the problem that an article adjusting scheme is unreasonable in a mode of manually adjusting exchange articles by the user in the related technology.

According to an aspect of the embodiments of the present application, there is provided a recommendation method for a financial product, including: determining a target asset ratio of the target object according to the intelligent projection grade and object information of the target object, wherein the target asset ratio is a proportion of an investment amount of each asset type in a plurality of asset types configured for the target object by an intelligent projection system to the total investment amount, and each asset type allows one or more financial products to be configured; determining the investment amount of each asset type according to the target asset ratio and the total investment amount; determining recommended financial products and recommended purchase amounts of the recommended financial products under each asset type according to the investment amount of each asset type; the recommended financial products and recommended purchase amounts of the recommended financial products are recommended to the target object.

Optionally, determining the recommended financial products and recommended purchase amounts for the recommended financial products for each asset type based on the investment amount for each asset type includes: inquiring a financial product white list and/or a fund pool according to the asset types to obtain recommended financial products under each asset type; and distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

Optionally, querying the financial product whitelist and/or the fund pool by asset type to obtain recommended financial products for each asset type includes: inquiring a financial product white list according to the asset types to obtain first financial products belonging to a first quantity of each asset type in the financial product white list; determining the target number of first financial products as recommended financial products for each asset type if the first number is greater than or equal to the target number; under the condition that the first quantity is smaller than the target quantity, inquiring the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products; wherein the target quantity is a quantity of configurable financial products per asset type.

Optionally, querying the fund pool by asset type to obtain a second number of second financial products for each asset type comprises: determining whether the target object allows recommending financial products other than the financial product white list; in the event that the target object allows recommending financial products other than the financial product whitelist, the fund pool is queried for asset types, resulting in a second number of second financial products per asset type.

Optionally, querying the fund pool by asset type to obtain a second number of second financial products for each asset type comprises: sequentially acquiring financial products to be recommended belonging to a target asset type according to the order of scores of the financial products in the fund pool from high to low, wherein the target asset type is the currently processed asset type in a plurality of asset types; and determining the financial product to be recommended as a second financial product under the target asset type under the condition that the financial product to be recommended needs to be signed and the target object has signed the financial product to be recommended.

Optionally, allocating the investment amount of each asset type to the recommended financial product under each asset type according to the target proportion, and obtaining the recommended purchase amount of the recommended financial product includes: and averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

Optionally, determining the target asset ratio of the target object according to the intelligent projection level of the target object and the object information of the target object includes: determining a standard asset ratio corresponding to the intelligent projection grade according to the intelligent projection grade of the target object; and adjusting the standard asset ratio according to the object information of the target object to obtain the target asset ratio of the target object.

According to another aspect of the embodiments of the present application, there is provided a recommendation device for a financial product, including: a first determining unit, configured to determine a target asset ratio of the target object according to the intelligent projection level and the object information of the target object, where the target asset ratio is a proportion of an investment amount of each of a plurality of asset types configured by the intelligent projection system for the target object to a total investment amount, and each asset type allows configuration of one or more financial products; a second determining unit for determining an investment amount of each asset type according to the target asset ratio and the total investment amount; a third determining unit for determining recommended financial products and recommended purchase amounts of the recommended financial products for each asset type according to the investment amount of each asset type; and the recommending unit is used for recommending the recommended financial products and recommended purchase amounts of the recommended financial products to the target object.

Optionally, the third determining unit includes: the inquiring module is used for inquiring the white list and/or the fund pool of the financial products according to the asset types to obtain recommended financial products under each asset type; and the distribution module is used for distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

Optionally, the query module includes: the first inquiring submodule is used for inquiring the financial product white list according to the asset types to obtain first financial products belonging to a first quantity of each asset type in the financial product white list; a determining sub-module for determining the target number of first financial products as recommended financial products for each asset type if the first number is greater than or equal to the target number; the second inquiry submodule is used for inquiring the fund pool according to the asset type to obtain a second quantity of second financial products under each asset type under the condition that the first quantity is smaller than the target quantity, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products; wherein the target quantity is a quantity of configurable financial products per asset type.

Optionally, the second query submodule includes: a first determining subunit for determining whether the target object allows recommending financial products other than the financial product white list; and the first query subunit is used for querying the fund pool according to the asset types to obtain a second number of second financial products under each asset type under the condition that the target object allows recommending financial products except the financial product white list.

Optionally, the second query submodule includes: the acquisition subunit is used for sequentially acquiring the financial products to be recommended belonging to the target asset types according to the order of scores of the financial products in the fund pool from high to low, wherein the target asset types are the currently processed asset types in the plurality of asset types; and the second determining subunit is used for determining the financial product to be recommended as a second financial product under the target asset type under the condition that the financial product to be recommended needs to be signed and the target object is signed.

Optionally, the allocation module comprises: and the distribution sub-module is used for averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

Optionally, the first determining unit includes: determining a standard asset ratio corresponding to the intelligent projection grade according to the intelligent projection grade of the target object; and adjusting the standard asset ratio according to the object information of the target object to obtain the target asset ratio of the target object.

According to a further embodiment of the present application, there is also provided a computer readable storage medium having stored therein a computer program, wherein the computer program is arranged to perform the steps of any of the method embodiments described above when run.

According to a further embodiment of the present application, there is also provided an electronic device comprising a memory, in which a computer program is stored, and a processor, which is arranged to run the computer program to perform the steps of any of the method embodiments described above.

According to still another embodiment of the present application, there is also provided a method for displaying information, including: determining a target resource ratio of the target object according to the product exchange grade and the object information of the target object, wherein the target resource ratio is the ratio of exchange resources of each product type in a plurality of product types, which are set by a product exchange platform for the target object, to the total exchange resources of the target object, and each product type allows exchange of one or more products; determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; determining a target exchange product under each product type and a target exchange resource of the target exchange product according to the exchange resource of each product type; and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

According to still another embodiment of the present application, there is also provided an information display apparatus including: a first determining unit, configured to determine a target resource ratio of the target object according to a product exchange level and object information of the target object, where the target resource ratio is a ratio of exchange resources of each product type of a plurality of product types set by the product exchange platform for the target object to total exchange resources of the target object, and each product type allows exchange of one or more products; the second determining unit is used for determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; a third determining unit, configured to determine, according to the exchange resource of each product type, a target exchange product under each product type and a target exchange resource of the target exchange product; and the display unit is used for displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

According to the method and the system, a mode that an intelligent consultation system recommends financial products according to intelligent investment levels and object information of investors is adopted, and a target asset ratio of a target object is determined according to the intelligent investment levels and the object information of the target object, wherein the target asset ratio is the proportion of investment amount of each asset type in a plurality of asset types configured for the target object by the intelligent consultation system to the total investment amount, and each asset type allows one or more financial products to be configured; determining the investment amount of each asset type according to the target asset ratio and the total investment amount; determining recommended financial products and recommended purchase amounts of the recommended financial products under each asset type according to the investment amount of each asset type; recommending the recommended financial products and the recommended purchase amount of the recommended financial products to the target object, and because the financial products are recommended according to the intelligent investment level and the object information of the investor, the energy consumption of the user can be reduced, and the recommended financial products are ensured to meet the purchase expectation of the investor, thereby solving the problem that the product purchase scheme configuration is unreasonable in the mode of manually purchasing the financial products by the user in the related technology.

According to the method and the device for recommending the exchange product, the mode of recommending the exchange product according to the product exchange level and the object information of the target object is adopted, and because the product exchange level and the object information of the target object are used for recommending the exchange product, the energy consumption of a user can be reduced, and the recommended exchange product is ensured to meet the expectation of the user, so that the problem that the configuration of an article adjustment scheme is unreasonable in the mode of manually adjusting the exchange article by the user in the related art is solved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it will be obvious to those skilled in the art that other drawings can be obtained from these drawings without inventive effort.

FIG. 1 is a block diagram of the hardware architecture of an alternative server according to an embodiment of the present application;

FIG. 2 is a flow chart of an alternative method of recommending a financial product according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative method of recommending financial products according to an embodiment of the present application;

FIG. 4 is a flow chart of another alternative method of recommending a financial product according to an embodiment of the present application;

FIG. 5 is a flow chart of yet another alternative method of recommending a financial product according to an embodiment of the present application;

fig. 6 is a block diagram of an alternative financial product recommendation device in accordance with an embodiment of the present application.

Detailed Description

The present application will be described in detail hereinafter with reference to the accompanying drawings in conjunction with embodiments. It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order.

First, partial nouns or terms appearing in the course of the description of the present embodiment are applicable to the following explanation:

(1) The intelligent investment (abbreviated as intelligent investment) is also called robot investment (robo-advssor), which applies technologies such as cloud computing, big data, artificial intelligence and the like to apply other financial investment theories such as asset combination theories to the model, inputs variables such as investors' risk preference, financial condition, financial planning and the like to the model, generates automatic, intelligent and personalized asset configuration suggestions for users, and realizes tracking and automatic adjustment on the combination, namely, automatically configures an investment scheme for the investors according to the investment parameter information of the investors.

(2) Risk bearing capacity grade the risk bearing capacity grade is used for evaluating the strength of investors on the risk bearing capacity of financial products such as funds and the like, and the grade can be divided into five grades from low to high respectively: a1 The product risk levels corresponding to (conservative), A2 (robust), A3 (balanced), A4 (growing), and A5 (aggressive) can be classified as: r1 (discreet), R2 (robust), R3 (balanced), R4 (aggressive), R5 (aggressive).

(3) Financial products refer to the various carriers of the funds-transfer process, corresponding to different asset types of investors. Financial products can be classified into different types according to different division criteria. For example, asset types can be classified into, by broad categories: cash, bonds, stocks, gold, overseas.

It should be noted that the above-mentioned classification of the risk tolerance level, the name of the financial product, and the like are only examples, and other risk tolerance classification methods (for example, the number of classifications, the name of the level, and the like), the tolerance evaluation method, and the financial product classification method may be applied to the embodiments of the present application.

According to one aspect of the embodiments of the present application, a recommendation method for a financial product is provided. Alternatively, the method may be performed in a server, intelligent consultation background or similar device. Taking the example of running on a server, fig. 1 is a block diagram of the hardware architecture of an alternative server according to an embodiment of the present application. As shown in fig. 1, the server 10 may include one or more (only one is shown in fig. 1) processors 102 (the processor 102 may include, but is not limited to, a processing means such as an MCU (Microcontroller Unit, microprocessor) or FPGA (Field Programmable Gate Array, field programmable logic array)) and a memory 104 for storing data, and optionally, a transmission device 106 for communication functions and an input-output device 108. It will be appreciated by those skilled in the art that the structure shown in fig. 1 is merely illustrative, and is not intended to limit the structure of the server described above. For example, the server 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

The memory 104 may be used to store computer programs, such as software programs of application software and modules, such as computer programs corresponding to the recommended methods of financial products in the embodiments of the present application, and the processor 102 executes the computer programs stored in the memory 104 to perform various functional applications and data processing, that is, to implement the methods described above. Memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include memory remotely located with respect to the processor 102, which may be connected to the server 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device 106 is used to receive or transmit data via a network. The specific example of the network described above may include a wireless network provided by a communication provider of the server 10. In one example, the transmission device 106 includes a NIC (Network Interface Controller, network adapter) that can communicate with other network devices via a base station to communicate with the internet. In one example, the transmission device 106 may be an RF (Radio Frequency) module for communicating with the internet wirelessly.

In this embodiment, a recommendation method for a financial product running on the server is provided, and fig. 2 is a schematic flow chart of an alternative recommendation method for a financial product according to an embodiment of the application, as shown in fig. 2, the flow chart includes the following steps:

step S202, determining a target asset ratio of a target object according to the intelligent projection level and object information of the target object, wherein the target asset ratio is the proportion of the investment amount of each asset type in a plurality of asset types configured for the target object by an intelligent projection system to the total investment amount, and each asset type allows one or more financial products to be configured;

step S204, determining the investment amount of each asset type according to the target asset ratio and the total investment amount;

step S206, determining recommended financial products and recommended purchase amounts of the recommended financial products under each asset type according to the investment amount of each asset type;

step S208, recommending recommended financial products and recommended purchase amounts of the recommended financial products to the target object.

Alternatively, the main execution body of the steps may be a server, an intelligent consultation background, or the like, but the method is not limited thereto, and other apparatuses (devices running with the intelligent consultation system) capable of recommending financial products may be used to execute the method in the embodiments of the present application.

According to the embodiment, the intelligent consultation system is used for recommending the financial products according to the intelligent consultation grade and the object information of the investors, the problem that a product purchasing scheme is unreasonable in a related technology in which a user manually purchases the financial products is solved, the energy consumption of the user is reduced, and the recommended financial products are ensured to meet the purchasing expectations of the investors.

The recommendation method of the financial product in the embodiment of the present application is explained below with reference to fig. 2.

In step S202, a target asset ratio of the target object is determined according to the intelligent projection level and the object information of the target object, where the target asset ratio is a ratio of an investment amount of each asset type of a plurality of asset types configured for the target object by the intelligent projection system to a total investment amount, and each asset type allows one or more financial products to be configured.

A user (investor, client of the intelligent patron system, target object) may log into a client of a target application that may provide intelligent patron services using a target account number.

In the home page or other page of the client, an entry into the intelligent projection interface may be provided. The intelligent projection interface is an interface corresponding to an intelligent projection system (called intelligent projection system for short), and various intelligent projection service related business interfaces can be provided on the intelligent projection interface. The intelligent projection system can provide various intelligent projection related services, such as financial product service, warehouse holding and clearing service, transaction service, customer service, strategy service, report inquiry service and the like.

It should be noted that, as shown in fig. 3, a plurality of intermediate nodes may be passed between the client and the intelligent projection background (a background server, running with the intelligent projection system), for example, the network may include: the specific gateways such as the operation gateway, the client gateway, the internal gateway, and the relay node, and the like are not particularly limited in this embodiment. There are also various ways of determining that the user first enters the intelligent projection interface of the intelligent projection system, and this embodiment is not limited in detail.

When a user enters the intelligent projection interface, or after entering the intelligent projection interface, relevant authorization of intelligent projection can be performed according to a prompt (such as a text prompt, a popup window prompt, a voice prompt and the like) sent by the intelligent projection system through the intelligent projection interface, so as to allow the intelligent projection system to provide intelligent projection service for the intelligent projection system.

Financial products may be divided into different types according to different division criteria. In order to facilitate management and recommendation of financial products sold by the same sales platform, the intelligent projection system can divide financial products sold by different sales platforms into a plurality of asset types, wherein the asset types are financial product types set by the intelligent projection platform. For example, by broad class division, asset types may include: cash, bonds, stocks, gold, overseas.

The intelligent projection system sets an intelligent projection level of the target object according to the risk bearing capacity of the target object, and the intelligent projection level can correspond to the risk bearing capacity level set by the traditional projection system for the target object.

The intelligent projection system can determine the target asset ratio of the target object according to the intelligent projection level (corresponding to the risk bearing capacity level of the user) of the user and the user information. The target asset ratio is the ratio of the investment amount of each asset type in the plurality of asset types configured by the intelligent projection system for the target object to the total investment amount.

The object information may be at least one of a financial situation and a financial plan. The aforementioned financial conditions may be represented by the user's financial related information, which may include, but is not limited to, at least one of: deposit information, housing and vehicle information (whether houses or vehicles are purchased, whether plans for buying houses or vehicles are available, whether houses or vehicles are available), child and lifetime information (whether children need to be cared for or old people need to be cared for), and the like. Specific object information may be set as needed, and this is not particularly limited in this embodiment.

As an alternative embodiment, determining the target asset ratio of the target object according to the intelligent projection level of the target object and the object information of the target object includes: determining a standard asset ratio corresponding to the intelligent projection grade according to the intelligent projection grade of the target object; and adjusting the standard asset ratio according to the object information of the target object to obtain the target asset ratio of the target object.

Each intelligent projection level may correspond to a standard asset ratio (standard asset ratio), and different intelligent projection levels may differ from the standard asset ratio to which they correspond. The asset ratio is used to represent an investment duty for each of a plurality of asset types in a total amount of investment for the target object.

For example, if the smart casting level is A2 (robust), its standard asset allocation may be: 35% of cash, 30% of bonds, 5% of stocks, 25% of gold and 5% of overseas.

According to the object information of the target object, the duty ratio of each asset type in the standard asset ratio can be adjusted to obtain the asset ratio (target asset ratio) configured for the target object.

For example, if the intelligent projection level is A2 (robust), if the target object needs to return a house and a car every month, the cash ratio in the standard asset ratio may be adjusted, and the adjusted asset ratio may be: cash 40%, bonds 30%, stocks 5%, gold 20%, overseas 5%.

It should be noted that, because object information of different objects may be quite different, the adjusted asset ratio may be quite various, so as to provide personalized asset configuration modes for different users and realize 'thousands of people in front'.

According to the embodiment, the standard asset ratio corresponding to the intelligent projection level of the target object is adjusted according to the object information of the target object, so that personalized asset ratios can be provided for different users, the rationality of the asset ratio is improved, and further the user experience is improved.

In addition to the asset ratio configured by the intelligent projection system for the target object, the user may set an object followed by the asset ratio, that is, a reference object, which is generally an authoritative person authenticated, having a certain prestige in finance, economics, or related fields. For a user with a reference object, the asset ratio of the user can be set according to the asset ratio of the reference object. The reference object may be referred to as a followed object and correspondingly, the object following the reference object is referred to as a heel-strike object.

In step S204, an investment amount for each asset type is determined according to the target asset ratio and the total investment amount.

After determining the target asset ratio, the total investment amount of the target object and the proportion of each asset type in the target asset ratio can be used for determining the investment amount of each asset type.

For example, the target asset ratio of the target object is: cash 40%, bond 30%, stock 5%, gold 20%, overseas 5%, total investment amount for the target object 100 ten thousand, then the investment amount for each asset type: 40 tens of thousands of bonds 30 tens of thousands of stocks 5 tens of thousands, gold 20 tens of thousands, overseas 5 tens of thousands.

In step S206, recommended financial products and recommended purchase amounts of the recommended financial products for each asset type are determined based on the investment amount for each asset type.

After determining the investment amount for each asset type, recommended financial products and recommended purchase amounts for the recommended financial products for each asset type may be determined. Each asset type allows one or more financial products to be configured, and the number of recommended financial products is one or more, and the recommended financial products can be different, and the corresponding recommended purchase amounts can be the same or different.

As an alternative embodiment, determining recommended financial products and recommended purchase amounts for recommended financial products for each asset type based on the investment amount for each asset type includes: inquiring a financial product white list and/or a fund pool according to the asset types to obtain recommended financial products under each asset type; and distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

There may be a variety of ways to determine recommended financial products for each asset type, for example, recommended financial products may be randomly selected for each asset type, and financial products having scores above a scoring threshold may be randomly selected.

For each asset type (target asset type), the financial products in the financial product whitelist and/or the fund pool may be queried for the asset type to obtain recommended financial products for each asset type. The financial product white list can be a financial product with higher income and better credibility set by the intelligent projection system. The financial product whitelist may contain one or more financial products for each asset type. The fund pool may contain other financial products in addition to the financial products (if any) in the financial product whitelist.

After the recommended financial products are determined, the investment amount of each asset type is distributed to the recommended financial products under each asset type according to the target proportion, and the recommended purchase amount of the recommended financial products is obtained.

According to the embodiment, the recommended financial products are obtained by inquiring the white list and/or the fund pool, and the investment amount of each asset type is distributed to the recommended financial products under each asset type according to a specific proportion, so that the accuracy of determining the financial products and the rationality of distributing the investment amount can be improved.

The number of recommended financial products for each asset type may be preset, or may be determined based on information such as the investment amount for each asset type, the score of the financial product for each asset type, the minimum investment amount, etc. The number of recommended financial products for each asset type may be the same or different. For example, the number of configurable financial products per asset type may be set to a target number.

As an alternative embodiment, the financial product whitelist and/or the fund pool may be queried according to the asset type, and the recommended financial product for each asset type may be obtained by querying the financial product whitelist and then querying the fund pool.

The financial product whitelist may be queried for a first number of first financial products belonging to each asset type in the financial product whitelist according to the asset type. Different asset types may be queried separately. The first quantity of the first financial product for each asset type may be the same or different.

If the first quantity is greater than or equal to the target quantity, a target quantity of first financial products may be determined from the first quantity of first financial products as recommended financial products for each asset type. There are various ways of determining the target number of first financial products from the first number of first financial products, for example, the target number of first financial products may be sequentially selected in order of the score from high to low, and for example, the target number of first financial products may be randomly selected. The manner in which the target number of first financial products is determined from the first number of first financial products is not particularly limited in this embodiment.

If the first quantity is less than the target quantity, the fund pool can be queried according to the asset types to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity. The first quantity of the first financial product and the second quantity of the second financial product may be treated as a target quantity of the recommended financial product.

According to the embodiment, the recommended financial products are determined by preferentially inquiring the white list, so that the reliability of the recommended financial products can be ensured, the investment safety of a user is improved, and further the user experience is improved.

As an alternative embodiment, querying the fund pool by asset type to obtain a second number of second financial products for each asset type includes: determining whether the target object allows recommending financial products other than the financial product white list; in the event that the target object allows recommending financial products other than the financial product whitelist, the fund pool is queried for asset types, resulting in a second number of second financial products per asset type.

The user or the intelligent projection system may set whether to allow recommending financial products other than the financial product white list for the user. If the setting allows recommending financial products except the financial product white list, the financial products in the fund pool can be recommended to the user when the quantity of the financial products under a certain asset type in the white list is insufficient. If the setting does not allow recommending financial products other than the financial product white list, the financial products other than the white list are not allowed even if the number of financial products under a certain asset type in the white list is insufficient.

When recommending financial products, if the quantity of financial products under a certain asset type in the white list is insufficient, determining whether the target object allows recommending financial products except the financial product white list; if so, a second quantity of second financial products for each asset type may be obtained by querying the fund pool for the asset type.

According to the embodiment, by setting whether to allow the recommendation of the financial products except the financial product white list, the reliability and the diversity of the recommended financial products can be considered, and the user experience is improved.

There are a number of ways to query the pool of funds for the second quantity of the second financial product, such as randomly selecting financial products from the pool of funds, randomly selecting financial products having a score above a score threshold.

As an alternative embodiment, for a currently processed target asset type of the plurality of asset types, querying the fund pool by asset type to obtain a second number of second financial products for each asset type includes: sequentially acquiring financial products to be recommended belonging to the target asset type according to the order of scores of the financial products in the fund pool from high to low; and determining the financial product to be recommended as a second financial product under the target asset type under the condition that the financial product to be recommended needs to be signed and the target object has signed the financial product to be recommended.

And financial products belonging to the target asset type in the fund pool can be sequentially selected according to the order of the scores from high to low to serve as financial products to be recommended. After a financial product is selected, it may be considered whether the financial product requires a facial tag (e.g., a purchase authorization of the financial product when signed, etc.). If a facing slip is required, but the target object does not facing the financial product to be recommended, the financial product can be ignored, and the next financial product in the fund pool under the target asset type can be continuously selected for processing according to the score.

If the financial product to be recommended needs a facing slip and the target object has facing the financial product to be recommended, the financial product to be recommended can be determined as a recommended financial product under the target asset type, that is, a second financial product.

It should be noted that, regarding the financial products in the white list, whether the face tag is needed or not and whether the user has performed the face tag to select the recommended financial products may also be considered, and similar to the manner of selecting the recommended financial products from the fund pool, the description thereof will be omitted.

According to the embodiment, whether the product needs the face tag or not is considered when the recommended financial product is selected, so that the financial products recommended to the user can be guaranteed to be purchasable financial products, and the situation that the user cannot purchase the recommended financial products due to the fact that the face tag is not performed is avoided, and therefore user experience is improved.

To ensure the efficiency of the investment amount distribution, as an alternative embodiment, distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion, and obtaining the recommended purchase amount of the recommended financial products may include: and averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

After determining the recommended financial products for each asset type, the investment amount for that asset type may be equally distributed to each recommended financial product to balance the investment risk and avoid excessive floating returns due to excessive concentrations of investment. At the same time, the complexity of determining the recommended purchase amount may also be reduced.

By the method, the investment risk can be balanced and the user benefit can be ensured by distributing the investment amount of each asset type to the recommended financial products of the asset type in an average way, so that the user experience is improved.

In step S208, the recommended financial product and the recommended purchase amount of the recommended financial product are recommended to the target object.

After determining the recommended financial products and recommended purchase amounts for each asset type, recommendation information may be transmitted to the client of the target object, the recommendation information including: the recommended financial products and recommended purchase amounts of the recommended financial products for each asset type, the recommended information may further include a target asset ratio. The recommended financial products, the recommended purchase amount and the target asset ratio can be displayed on an intelligent interface of the client in a graphical mode.

The target object may send authorization information or indication information to the intelligent projection system via the client to indicate that the target object agrees to purchase the recommended financial product in the recommended purchase amount according to the target asset ratio.

Based on the authorization information and the indication information, the intelligent projection system can make a purchase of the recommended financial product for the user and make subsequent maintenance of the warehouse, such as warehouse adjustment, etc. This is not particularly limited in this embodiment.

The recommendation method of the financial product according to the embodiment of the present application is described below in connection with an alternative example. In this example, the risk tolerance class is classified into five classes: a1 The product risk levels corresponding to the (conservative), A2 (robust), A3 (balanced), A4 (growing), and A5 (aggressive) are R1 (discreet), R2 (robust), R3 (balanced), R4 (aggressive), and R5 (aggressive). The intelligent projection level corresponds to the risk bearing capacity level one by one. Asset types of financial products include: cash, bonds, stocks, gold, overseas.

As shown in fig. 4 and 5, the recommendation method of the financial product in the present example may include the steps of:

step S402, calling policy configuration according to the risk level of the user and the like to obtain the proportion of each asset.

The intelligent level of the user (investor) is obtained, and the strategy configuration is invoked according to the intelligent level of the user and the user information, such as purchase preference, whether house credits, car credits and the like, so as to obtain the proportion of each asset.

For example, the proportions of the respective assets obtained are: cash 30%, bond 20%, stock 15%, gold 25%, overseas 10%, if the total amount of investment by the user is 10 ten thousand, the amounts of investment by each asset type are respectively: 3 tens of thousands of cash, 2 tens of thousands of bonds, 1.5 tens of thousands of stocks, 2.5 tens of thousands of gold, and 1 tens of thousands of overseas.

Step S404, inquiring the fund pool through the corresponding relation of the model assets, and finding out the optimal fund.

The funds for each asset type in the whitelist, and the funds in the fund pool (base product pool), are queried for the best funds based on the number of configurable financial products per asset type.

For an asset type, if the asset type can allow 3 basic financial products to be purchased simultaneously, two financial products belonging to the asset type in the white list, if financial products other than the white list are allowed, searching a financial product with the highest or higher score of the asset type from a fund pool, and adding three financial products in total to two financial products in the white list as configured financial products under the asset type.

If the product type is considered to need a facing tag, when each financial product under each asset type is carried out, each financial product to be configured (the financial product of the asset type in a white list or the financial product of the asset type found in a fund pool) is used as one financial product under the configured asset type if the financial product does not need the facing tag or if the facing tag is needed and the user has carried out the facing tag, otherwise (the facing tag is needed but the user does not carry out the facing tag), the financial product is ignored, and the next financial product is selected to continue to be judged.

For the selected financial products for each asset type, an average allocation is made based on the number of financial products (i.e., the number of funds) configurable for each asset type, with the average allocation being the investment amount for that asset type.

For example, for a bond class asset, the total investable amount is: if 2 ten thousand yuan, the number of configurable financial products is 2, and bonds A and bonds B meeting the requirements are found, the investable amount is evenly distributed, the amount of buying bonds A is 1 ten thousand yuan, and the amount of buying bonds B is 1 ten thousand yuan.

Step S406, searching the basic information to be combined in the combination information table according to the intelligent projection grade value, and obtaining the final purchasing scheme.

After obtaining information such as the financial products to be purchased under each asset type, the purchase amount of each financial product and the like, the basic information to be combined (the basic information of each asset level to be combined and each financial product) is found in the combined information table according to the intelligent grade value, so as to obtain a final purchase scheme, wherein the final purchase scheme can comprise, but is not limited to, information of at least one of the following: (1) a proportioning of a plurality of asset types; (2) a total purchase amount for each asset type; (3) The number of financial products to be purchased, the purchase proportion, the purchase amount, etc. under each asset type; (4) product information of the financial product.

By the method, the device and the system, the recommended financial product combination and the investment amount are configured for the customer according to the intelligent projection level of the user and the user information, so that the operation of the customer can be reduced, and the rationality of the purchase scheme configuration can be improved.

From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method described in the embodiments of the present application.

According to another aspect of the embodiments of the present application, there is provided a recommendation device for a financial product for implementing the recommendation method for a financial product in the above embodiments. Optionally, the device is used to implement the foregoing embodiments and preferred embodiments, which have been described and will not be repeated. As used below, the term "module" may be a combination of software and/or hardware that implements a predetermined function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated.

FIG. 6 is a block diagram of an alternative financial product recommendation device, according to an embodiment of the present application, as shown in FIG. 6, comprising: (1) A first determining unit 62, configured to determine a target asset ratio of the target object according to the intelligent projection level and the object information of the target object, where the target asset ratio is a ratio of an investment amount of each of a plurality of asset types configured by the intelligent projection system for the target object to a total investment amount, and each of the asset types allows one or more financial products to be configured;

(2) A second determining unit 64, connected to the first determining unit 62, for determining an investment amount for each asset type according to the target asset ratio and the total investment amount;

(3) A third determining unit 66 connected to the second determining unit 64 for determining recommended financial products and recommended purchase amounts of the recommended financial products for each asset type based on the investment amount for each asset type;

(4) And a recommending unit 68 connected to the third determining unit 66 for recommending the recommended financial product and the recommended purchase amount of the recommended financial product to the target object.

Alternatively, the first determining unit 62 may be used for step S202 in the above-described embodiment, the second determining unit 64 may be used for step S204 in the above-described embodiment, the third determining unit 66 may be used for step S206 in the above-described embodiment, and the recommending unit 68 may be used for step S208 in the above-described embodiment.

According to the embodiment, the intelligent consultation system is used for recommending the financial products according to the intelligent consultation grade and the object information of the investors, the problem that a product purchasing scheme is unreasonable in a related technology in which a user manually purchases the financial products is solved, the energy consumption of the user is reduced, and the recommended financial products are ensured to meet the purchasing expectations of the investors. .

As an alternative embodiment, the third determining unit comprises: (1) The inquiring module is used for inquiring the white list and/or the fund pool of the financial products according to the asset types to obtain recommended financial products under each asset type;

(2) And the distribution module is used for distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

As an alternative embodiment, the query module includes: (1) The first inquiring submodule is used for inquiring the financial product white list according to the asset types to obtain first financial products belonging to a first quantity of each asset type in the financial product white list;

(2) A determining sub-module for determining the target number of first financial products as recommended financial products for each asset type if the first number is greater than or equal to the target number;

(3) The second inquiry submodule is used for inquiring the fund pool according to the asset type to obtain a second quantity of second financial products under each asset type under the condition that the first quantity is smaller than the target quantity, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products;

wherein the target quantity is a quantity of configurable financial products per asset type.

As an alternative embodiment, the second query sub-module includes: (1) A first determining subunit for determining whether the target object allows recommending financial products other than the financial product white list;

(2) And the first query subunit is used for querying the fund pool according to the asset types to obtain a second number of second financial products under each asset type under the condition that the target object allows recommending financial products except the financial product white list.

As an alternative embodiment, the second query sub-module includes: (1) The acquisition subunit is used for sequentially acquiring the financial products to be recommended belonging to the target asset types according to the order of scores of the financial products in the fund pool from high to low, wherein the target asset types are the currently processed asset types in the plurality of asset types;

(2) And the second determining subunit is used for determining the financial product to be recommended as a second financial product under the target asset type when the financial product to be recommended needs to be signed and the target object is signed.

As an alternative embodiment, the allocation module comprises: (1) And the distribution sub-module is used for averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

As an alternative embodiment, the first determining unit comprises: (1) Determining a standard asset ratio corresponding to the intelligent projection grade according to the intelligent projection grade of the target object;

(2) And adjusting the standard asset ratio according to the object information of the target object to obtain the target asset ratio of the target object.

It should be noted that each of the above modules may be implemented by software or hardware, and for the latter, it may be implemented by, but not limited to: the modules are all located in the same processor; alternatively, the above modules may be located in different processors in any combination.

According to yet another aspect of embodiments of the present application, a computer-readable storage medium is provided. Optionally, the storage medium stores a computer program, where the computer program is configured to perform, when run, the steps of any of the methods provided in the embodiments of the present application.

Alternatively, in the present embodiment, the above-described storage medium may be configured to store a computer program for performing the steps of:

s1, determining a target asset ratio of a target object according to an intelligent projection grade and object information of the target object, wherein the target asset ratio is a proportion of investment amount of each asset type in a plurality of asset types configured for the target object by an intelligent projection system to total investment amount, and each asset type allows one or more financial products to be configured;

S2, determining the investment amount of each asset type according to the target asset ratio and the total investment amount;

s3, determining recommended financial products and recommended purchase amounts of the recommended financial products under each asset type according to the investment amount of each asset type;

s4, recommending recommended financial products and recommended purchase amounts of the recommended financial products to the target object.

Alternatively, in the present embodiment, the storage medium may include, but is not limited to: a variety of media capable of storing a computer program, such as a usb disk, a ROM (Read-Only Memory), a RAM (Random Access Memory ), a removable hard disk, a magnetic disk, or an optical disk.

According to still another aspect of the embodiments of the present application, there is provided an electronic device, including: a processor (which may be the processor 102 in fig. 1) and a memory (which may be the memory 104 in fig. 1) in which a computer program is stored, the processor being arranged to run the computer program to perform the steps of any of the above-described methods provided in the embodiments of the present application.

Optionally, the electronic apparatus may further include a transmission device (the transmission device may be the transmission device 106 in fig. 1) and an input/output device (the input/output device may be the input/output device 108 in fig. 1), where the transmission device is connected to the processor and the input/output device is connected to the processor.

Alternatively, in this embodiment, the above-mentioned processor may be configured to execute the following steps by a computer program:

According to yet another aspect of the embodiments of the present application, a method for displaying information is provided. Alternatively, the method may be performed in a server (as shown in fig. 1), a product exchange platform (a background server), or similar device.

In this embodiment, a method for displaying information running on the server is provided, where the flow of the method for displaying information includes the following steps:

S1, determining a target resource ratio of a target object according to a product exchange grade and object information of the target object, wherein the target resource ratio is a ratio of exchange resources of each product type in a plurality of product types, which are set by a product exchange platform for the target object, to total exchange resources of the target object, and each product type allows exchange of one or more products; s2, determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; s3, determining a target exchange product under each product type and a target exchange resource of the target exchange product according to the exchange resource of each product type; s4, displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

Alternatively, the main execution body of the steps may be a server, a product exchange platform (e.g., a background server), etc., but not limited thereto, and other devices capable of information presentation may be used to execute the method in the embodiments of the present application.

According to the method and the device, the problem that the article adjustment scheme is unreasonable in configuration is solved by adopting the mode of recommending the exchange products according to the product exchange grade of the target object and the object information, so that the recommended exchange products are ensured to meet the expectations of the users.

The following explains the method for displaying the above information in the embodiment of the present application.

In an alternative embodiment, the product exchange platform (a background server, or other similar device, which is illustrated in this example by the product exchange platform) may determine the target resource allocation of the target object according to the product exchange level and the object information of the target object.

A user (target object) may log into a client of a target application, which may provide financial services, using a target account number.

In the home page or other page of the client, an entry into the product exchange interface may be provided. The product exchange interface is an interface corresponding to a product exchange system (e.g., a financial service system) on which various product exchange service-related business interfaces can be provided.

It should be noted that one implementation of the product exchange system may be the intelligent projection system, and one implementation of the product exchange interface may be the intelligent projection interface.

When a user enters the product exchange interface, or after entering the product exchange interface, the related authorization of the product exchange can be performed according to a prompt (for example, through a text prompt, a popup prompt, a voice prompt, etc.) sent by the product exchange system through the product exchange interface, so as to allow the product exchange system to provide product exchange services for the product exchange system.

The product exchange system can operate on a product exchange platform (background server), the product exchange platform is a third party platform (financial service system can be operated to provide financial service), and the platform can be used as a proxy for products (exchange products) required to be exchanged by different product platforms to collect and popularize the products. The product platform is a method for acquiring the use right of the exchange resource by exchanging the product and the exchange resource of a specific object, and can also provide adjustment of the exchange resource for different objects (for example, increasing the resource amount of the exchange resource, reducing the resource amount of the exchange resource according to the income, etc.).

The exchange products may be divided into different types according to different division criteria. In order to facilitate management and recommendation of the exchange products required to be exchanged by different product platforms, the product exchange system may divide the products exchanged by different product platforms into a plurality of product types, where the plurality of product types are exchange product types set by the product exchange platform. For example, by broad class division, product types may include: product type 1, product type 2, … …, product type (N-1), product type N, where N is a positive integer greater than 2.

It should be noted that, one implementation manner of the product exchange platform is the intelligent projection platform; one implementation of the product platform is the sales platform; one implementation of a specific object is the above-described target object (user); one implementation of exchanging resources is funds (or the amount of the resource), but may be other types of resources, such as coupons or other types of resources that can be substituted for funds; the product type is one implementation of the asset type described above.

The product exchange system may set a product exchange level (e.g., the above-described smart level) of the target object according to a reference exchange level of the target object, which may correspond to a reference exchange level (e.g., the above-described risk tolerance level) set for the target object by an existing financial service system.

The product exchange system can determine the target resource ratio of the target object according to the product exchange grade of the user and the user information. The target resource ratio is the ratio of the exchange resource of each product type in the plurality of product types, which is set by the product exchange platform for the target object, to the total exchange resource of the target object.

The object information of the target object may be at least one of a financial status of the target object, and a financial plan. The foregoing has been described, and will not be described in detail herein.

As an alternative embodiment, determining the target resource allocation of the target object according to the product exchange level and the object information of the target object includes: determining a standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object; and adjusting the standard resource proportion according to the object information of the target object to obtain the target resource proportion of the target object.

Each product exchange level may correspond to a standard resource allocation (standard resource allocation), and the standard resource allocation may be different for different product exchange levels. The resource allocation is used to represent an investment ratio of each of the plurality of product types in the total amount of investment for the target object.

It should be noted that one implementation manner of the resource proportioning is the above-mentioned asset proportioning.

According to the object information of the target object, the duty ratio of each product type in the standard resource ratio can be adjusted to obtain the resource ratio (target resource ratio) configured for the target object.

It should be noted that, because object information of different objects may be quite different, the adjusted resource proportion may be quite various, so as to provide personalized resource allocation modes for different users and realize 'thousands of people in front'.

According to the embodiment, the standard resource ratio corresponding to the product exchange level of the target object is adjusted according to the object information of the target object, so that personalized resource ratios can be provided for different users, the rationality of the resource ratios is improved, and further the user experience is improved. Except for the resource matching configured by the product exchange system for the target object, the user can set an object followed by the resource matching, that is, a reference object, which is similar to the foregoing, and will not be described herein.

In an alternative embodiment, the product exchange platform may determine the exchange resources for each product type based on the target resource ratio and the total exchange resources.

After determining the target resource ratio, the product exchange platform may determine the exchange resources (e.g., the investment amount) for each product type by comparing the total exchange resources (e.g., the investment amount) of the target object with the proportions of the respective product types in the target resource ratio. For example, the product of the duty cycle of each product type and the total switching resources is the switching resources of each product type.

In an alternative embodiment, the product exchange platform may determine the target exchange product for each product type and the target exchange resources for the target exchange product based on the exchange resources for each product type.

After determining the exchange resources for each product type, a target exchange product and target exchange resources for each product type may be determined. Each product type allows one or more exchange products to be configured, and then the number of target exchange products is one or more, and different target exchange products can be the same or different corresponding target exchange resources. It should be noted that, one implementation of the target exchange product may be the recommended financial product, and one implementation of the target exchange resource may be the recommended purchase amount.

As an alternative embodiment, determining the target exchange product and the target exchange resource of the target exchange product for each product type according to the exchange resource of each product type includes: inquiring a product white list and/or a product pool according to the product types to obtain target exchange products under each product type; and distributing the exchange resources of each product type to the target exchange products of each product type according to the target proportion to obtain the target exchange resources of the target exchange products.

There may be a variety of ways to determine the target exchange product for each product type, for example, for each product type, the target exchange product may be selected randomly, and exchange products with scores above a score threshold may be selected randomly.

For each product type (target product type), the product whitelist and/or the exchange products in the product pool can be queried according to the product type, and the target exchange product under each product type can be obtained. The product white list can be an exchange product with higher profit and better credibility, which is set by a product exchange system. The product whitelist may contain one or more exchange products for each product type. The product pool may contain other exchange products in addition to the exchange products (if any) in the product whitelist.

It should be noted that, one implementation of the product whitelist may be the financial product whitelist, and one implementation of the product pool may be the fund pool.

After the target exchange product is determined, the exchange resource of each product type is distributed to the target exchange product under each product type according to the target proportion, and the target exchange resource is obtained.

According to the embodiment, the target exchange product is obtained by inquiring the white list and/or the product pool, and the exchange resource of each product type is distributed to the target exchange product under each product type according to a specific proportion, so that the accuracy of determining the exchange product and the rationality of distributing the exchange resource can be improved.

The number of target exchange products under each product type can be preset, and can also be determined according to the information such as the exchange resources of each product type, the scores of the exchange products under each product type, the minimum exchange amount and the like. The number of recommended financial products for each product type may be the same or different. For example, the number of configurable exchange products per product type may be set to a target number.

As an alternative embodiment, the product whitelist and/or the product pool are queried according to the product types, and the method of obtaining the target exchange product under each product type may be a method of querying the product whitelist first and then querying the product pool.

The product whitelist may be queried for product types, resulting in a first number of first exchange products (first products) belonging to each product type in the product whitelist. Different product types can be queried separately. The first number of first exchange products for each product type may be the same or different.

If the first quantity is greater than or equal to the target quantity, a target quantity of first exchange products may be determined from the first quantity of first exchange products as target exchange products for each product type. There are various ways of determining the target number of first exchange products from the first number of first exchange products, for example, the target number of first exchange products may be sequentially selected according to the order of the scores from high to low, and for example, the target number of first exchange products may be randomly selected. The manner in which the target number of first exchange products is determined from the first number of first exchange products is not particularly limited in this embodiment.

If the first quantity is less than the target quantity, the product pool can be queried according to the product types to obtain a second quantity of second exchange products (second products) under each product type, wherein the sum of the first quantity and the second quantity is the target quantity. The first quantity of the first exchange product and the second quantity of the second exchange product may be the target quantity of the target exchange product.

It should be noted that, one implementation of the first exchange product may be a first financial product, and one implementation of the second exchange product may be a second financial product.

According to the embodiment, the target exchange product is determined by preferentially inquiring the white list, so that the reliability of the target exchange product can be ensured, and the user experience is further improved.

As an alternative embodiment, querying the product pool by product type to obtain a second number of second products for each product type includes: determining whether to allow other exchange products to be set for the target object, except for the exchange products in the product white list; in case that the recommended exchange products except the exchange products in the product white list are allowed to be set for the target object, the product pool is queried according to the product types, and a second number of second products under each product type is obtained.

The user or the product exchange system may set for the user whether to allow the recommendation of exchange products other than the product whitelist. If the setting allows recommending the exchange products except the product white list, the exchange products in the product pool can be recommended to the user when the quantity of the exchange products under a certain product type in the white list is insufficient. If the recommendation of the exchange products except the product white list is not allowed, the recommendation of the exchange products except the white list is not allowed even if the quantity of the exchange products under a certain product type in the white list is insufficient.

When recommending the exchange products, if the quantity of the exchange products under a certain product type in the white list is insufficient, determining whether the target object allows recommending the exchange products except the product white list; if so, a second number of second exchange products for each product type may be obtained by querying the product pool for the product type.

The timing of the determination of the target exchange product for each product type may be any timing before the target exchange product needs to be determined for the target object, or after the target exchange product needs to be determined for the target object. For example, before the user uses the product exchange platform, after determining the target resource allocation of the target object, after determining the exchange resources for each product type, and so on.

It should be noted that, in order to improve the efficiency of determining the target exchange product, the target exchange product may be predetermined. For example, the target exchange product for each product type is predetermined before the target resource allocation of the target object is determined based on the product exchange level and the object information of the target object.

According to the embodiment, by setting whether to allow the recommendation of the exchange products except the product white list, the reliability and the diversity of the recommended exchange products can be considered, and the user experience is improved.

There are a number of ways to query the pool of products for the second quantity of the second financial product, such as randomly selecting the exchange product from the pool of products, randomly selecting the exchange product having a score above a score threshold.

As an alternative embodiment, for a currently processed target product type of the plurality of product types, querying the product pool according to the product type to obtain a second number of second products for each product type includes: sequentially obtaining candidate exchange products belonging to a target product type according to the order of the scores of the exchange products in the product pool from high to low, wherein the target product type is the currently processed product type in a plurality of product types; and in the case that the candidate exchange product needs the facing label and the target object has facing the candidate exchange product, determining the candidate exchange product as a second product under the target product type.

The exchange products belonging to the target product type in the product pool can be sequentially selected according to the order of the scores from high to low to serve as candidate exchange products (for example, the financial products to be recommended). After a swap product is selected, it may be considered whether the swap product requires a facetag (e.g., a swap authorization when the facetag signed the swap product, etc.). If a facing slip is required, but the target object does not perform the facing slip on the candidate exchange product, the exchange product can be ignored, and the next exchange product under the target product type in the product pool can be continuously selected for processing according to the score.

If the candidate exchange product requires a facing slip and the target object has facing the candidate exchange product, the candidate exchange product may be determined to be a target exchange product, i.e., a second product, of the target product type.

It should be noted that, for the exchange products in the white list, whether the face tag is needed or not and whether the user has performed the face tag or not may be considered to determine whether to select the candidate exchange product, which is similar to the manner of selecting the candidate exchange product from the product pool, and will not be described herein.

It should be noted that one implementation of the candidate exchange product may be the above-mentioned financial product to be recommended.

According to the method and the device for selecting the candidate exchange products, whether the candidate exchange products need the face tag is considered when the candidate exchange products are selected, the fact that the exchange products recommended to the user are purchasable exchange products can be guaranteed, the fact that the user cannot exchange target financial products due to the fact that the face tag is not performed is avoided, and therefore user experience is improved.

In order to ensure the efficiency of the exchange resource allocation, as an alternative embodiment, allocating the exchange resource of each product type to the target exchange product under each product type according to the target proportion, and obtaining the target exchange resource of the target exchange product includes: and averagely distributing the exchange resources of each product type to the target exchange products of each product type to obtain the target exchange resources of the target exchange products.

After determining the target exchange product for each product type, the exchange resources for that product type may be evenly allocated to each target exchange product to balance exchange risk. At the same time, the complexity of determining the target switching resources can also be reduced.

Through the embodiment, the investment risk can be balanced by evenly distributing the exchange resources, and the user benefits are ensured, so that the user experience is improved.

In an alternative embodiment, the product exchange platform may present the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

After determining the target exchange product and the target exchange resource under each product type, the target information may be sent to the client of the target object, where the target information includes: the product information of the target exchange product and the resource information of the target exchange resource under each product type, and the target information can further comprise a target resource ratio. The target exchange product, the target exchange resource and the target resource proportion can be displayed on a product exchange interface of the client in a graphical mode.

The target object may send authorization information or indication information to the product exchange system via the client to indicate that the target object agrees to purchase the target exchange product according to the target exchange resource according to the target resource ratio.

According to the authorization information and the indication information, the product exchange system can exchange the target exchange product for the user and perform subsequent maintenance. This is not particularly limited in this embodiment.

In yet another embodiment of the present application, an information display apparatus for implementing the information display method is provided. Optionally, the device is used to implement the foregoing embodiments and preferred embodiments, which have been described and will not be repeated. Alternatively, an alternative embodiment of the apparatus is a recommendation apparatus for the financial product described above.

Optionally, the information presentation device provided in this embodiment may include: (1) A first determining unit, configured to determine, according to a product exchange level and object information of a target object, a target resource ratio of the target object, where the target resource ratio is a ratio of exchange resources of each product type of a plurality of product types set by a product exchange platform for the target object to total exchange resources of the target object, and each product type allows exchange of one or more products;

(2) The second determining unit is connected with the first determining unit and is used for determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; (3) The third determining unit is connected with the second determining unit and is used for determining a target exchange product under each product type and a target exchange resource of the target exchange product according to the exchange resource of each product type; (4) And the display unit is connected with the third determination unit and is used for displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

As an alternative embodiment, the third determining unit comprises: (1) The query module is used for querying the product whitelist and/or the product pool according to the product types to obtain target exchange products under each product type; (2) And the distribution module is used for distributing the exchange resources of each product type to the target exchange products of each product type according to the target proportion to obtain the target exchange resources of the target exchange products. As an alternative embodiment, the query module includes: (1) The first inquiring submodule is used for inquiring the product white list according to the product types to obtain a first number of first products belonging to each product type in the product white list; (2) A determining submodule, configured to determine a target number of first products in the first number of first products as target exchange products for each product type if the first number is greater than or equal to the target number, where the product whitelist includes one or more products that are allowed to be set as target exchange products preferentially; (3) A second query sub-module, configured to query a product pool according to product types to obtain a second number of second products under each product type, where the product pool includes one or more products except for products in a product white list, a sum of the first number and the second number is a target number, and the target exchange product includes the first product and the second product; wherein the target number is the number of exchange products allowed to be set for the target object for each product type.

As an alternative embodiment, the second query sub-module includes: (1) A first determining subunit for determining whether to allow setting of other exchange products than the exchange products in the product white list for the target object; (2) And the first query subunit is used for querying the product pool according to the product types to obtain a second number of second products under each product type under the condition that the other exchange products except the exchange products in the product white list are allowed to be recommended for the target object.

As an alternative embodiment, the second query sub-module includes: (1) An obtaining subunit, configured to query a product pool according to product types to obtain a second number of second products under each product type, where the target object is allowed to set and recommend other exchange products except for the exchange products in the product white list; (2) And the second determining subunit is used for determining the candidate exchange product as a second product under the target product type under the condition that the candidate exchange product needs a facing sign and the target object faces the candidate exchange product.

As an alternative embodiment, the allocation module comprises: (1) And the distribution sub-module is used for distributing the exchange resources of each product type to the target exchange products of each product type to obtain the target exchange resources of the target exchange products.

As an alternative embodiment, the first determining unit comprises: (1) The first determining module is used for determining standard resource proportion corresponding to the product exchange grade according to the product exchange grade of the target object; (2) And the second determining module is used for determining the standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object.

According to yet another aspect of embodiments of the present application, a computer-readable storage medium is provided. Optionally, the storage medium stores a computer program, where the computer program is configured to perform steps in any of the methods provided in the embodiments of the present application (e.g., steps in the information presentation method described above) when executed.

According to still another aspect of the embodiments of the present application, there is provided an electronic device, including: a processor (which may be the processor 102 in fig. 1) and a memory (which may be the memory 104 in fig. 1) in which a computer program is stored, the processor being arranged to run the computer program to perform the steps of any of the above methods provided in the embodiments of the present application (e.g. the steps of the presentation method of the information described above).

Alternatively, the present embodiment may refer to the foregoing embodiments and examples in the optional implementation manners, which are not described herein.

It will be appreciated by those skilled in the art that the modules or steps of the application described above may be implemented in a general purpose computing device, they may be centralized on a single computing device, or distributed across a network of computing devices, or they may alternatively be implemented in program code executable by computing devices, such that they may be stored in a memory device for execution by the computing devices and, in some cases, the steps shown or described may be performed in a different order than what is shown or described, or they may be implemented as individual integrated circuit modules, or as individual integrated circuit modules. Thus, the present application is not limited to any specific combination of hardware and software.

The foregoing description is only of the preferred embodiments of the present application and is not intended to limit the same, but rather, various modifications and variations may be made by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the principles of the present application should be included in the protection scope of the present application.

Claims

1. A method for displaying information, comprising:

determining a target resource ratio of a target object according to a product exchange grade and object information of the target object, wherein the target resource ratio is a ratio of exchange resources of each product type in a plurality of product types set by a product exchange platform for the target object to total exchange resources of the target object, and each product type allows exchange of one or more products;

determining the exchange resource of each product type according to the target resource proportion and the total exchange resource;

inquiring a product white list and/or a product pool according to the product types to obtain target exchange products under each product type, wherein the method comprises the following steps: inquiring the product white list according to the product types to obtain a first number of first products belonging to each product type in the product white list; determining the target number of the first products in the first number of the first products as the target exchange products under each product type in the case that the first number is greater than or equal to the target number, wherein the product white list comprises one or more products which are allowed to be preferentially set as the target exchange products; querying a product pool according to product types to obtain a second number of second products under each product type under the condition that the first number is smaller than the target number, wherein the product pool contains one or more products except products in the product white list, the sum of the first number and the second number is the target number, and the target exchange product comprises the first product and the second product; wherein the target number is the number of exchange products allowed to be set for the target object for each product type;

Distributing the exchange resources of each product type to the target exchange products of each product type according to a target proportion to obtain target exchange resources of the target exchange products;

and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

2. The method of claim 1, wherein querying the product pool by product type to obtain a second number of second products for each product type comprises:

determining whether to allow other exchange products to be set for the target object than the exchange products in the product white list;

and under the condition that the recommendation of other exchange products except the exchange products in the product white list is allowed to be set for the target object, querying the product pool according to the product types to obtain the second number of the second products under each product type.

3. The method of claim 2, wherein querying the product pool by product type to obtain a second number of second products for each product type comprises:

Sequentially obtaining candidate exchange products belonging to a target product type according to the order of the scores of the exchange products in the product pool from high to low, wherein the target product type is the currently processed product type in the product types;

and in the case that the candidate exchange product needs a facing slip and the target object has facing the candidate exchange product, determining the candidate exchange product as one of the second products under the target product type.

4. The method of claim 1, wherein the allocating the switching resources of each product type to the target switching product of each product type according to a target ratio, and obtaining the target switching resources of the target switching product comprises:

and averagely distributing the exchange resources of each product type to the target exchange product under each product type to obtain the target exchange resources of the target exchange product.

5. The method according to any one of claims 1 to 4, wherein determining the target resource allocation of the target object according to the product exchange level and the object information of the target object comprises:

Determining a standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object;

and adjusting the standard resource ratio according to the object information of the target object to obtain the target resource ratio of the target object.

6. An information display device, comprising:

a first determining unit, configured to determine a target asset ratio of a target object according to an intelligent projection level and object information of the target object, where the target asset ratio is a ratio of an investment amount of each asset type of a plurality of asset types configured for the target object by an intelligent projection system to a total investment amount, and each asset type allows one or more financial products to be configured;

a second determining unit, configured to determine an investment amount of each asset type according to the target asset ratio and the total investment amount;

a third determining unit, configured to query the white list and/or the fund pool of financial products according to asset types, to obtain recommended financial products under each asset type, including: inquiring a financial product white list according to the asset types to obtain first financial products belonging to a first quantity of each asset type in the financial product white list; determining a first quantity of the target quantity of the first financial products as recommended financial products for the each asset type, where the financial product whitelist includes one or more products that are allowed to be set preferentially as the recommended financial products, if the first quantity is greater than or equal to the target quantity; under the condition that the first quantity is smaller than the target quantity, inquiring a fund pool according to the asset type to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products; wherein the target quantity is a quantity of financial products permitted to be set for the target object for each asset type; distributing the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products;

And the recommending unit is used for recommending the recommended financial products and recommended purchase amounts of the recommended financial products to the target object.

7. A computer-readable storage medium, characterized in that the storage medium has stored therein a computer program, wherein the computer program is arranged to perform the method of any of claims 1 to 5 when run.

8. An electronic device comprising a memory and a processor, wherein the memory has stored therein a computer program, the processor being arranged to perform the method of any of claims 1 to 5 by means of the computer program.