CN113313597A - Product combination recommendation method, device and system, storage medium and electronic device - Google Patents
Product combination recommendation method, device and system, storage medium and electronic device Download PDFInfo
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Abstract
The application discloses a product combination recommendation method, device and system, a storage medium and an electronic device. Wherein, the method comprises the following steps: acquiring account information of a first account in a first database of a first platform, wherein the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform; searching a target combination scheme from a first scheme set according to account information of a first account, wherein the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of a second account of the second platform; and under the condition that the first account enters a recommendation interface of the second platform, displaying a target combination scheme recommended to the first account on the recommendation interface. The method and the device solve the technical problem that the efficiency of providing the service is low in the related technology.
Description
Technical Field
The application relates to the field of finance, in particular to a product combination recommendation method, device and system, a storage medium and an electronic device.
Background
Along with the improvement of the living standard of people, the disposable funds in hands are more and more, and more economic benefits can be obtained through the investment of some financial products. Financial Products (Financial Products) refer to various vehicles for the process of financing money, including currency, gold, foreign currency, securities, and the like. That is, these financial products are the business objects of the financial market, and the supplier form the price of the financial products, such as interest rate or earning rate, through the market competition principle, and finally complete the transaction, so as to achieve the purpose of financing. Such as stocks, futures, options, policies, etc., are Financial Assets (Financial Assets), also called Financial Instruments (Financial Instruments), also called Securities (Securities).
With the deep advance of the multilevel capital market system construction in China, the competition of the securities industry is intensified, investors need more targeted and more effective investment services, communication between the current investment consultants and the investors is mostly in the form of telephone and interview, the working efficiency is low, and the investment cost is high.
Similarly, in the fields of games, social contact and the like, each game platform or social contact platform needs to establish a transaction system for products such as its own game props, social props and the like, and users also have similar problems in using the systems, and need to query web pages, game descriptions and the like to find the needed game props, social props and the like.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the application provides a product combination recommendation method, device and system, a storage medium and an electronic device, so as to at least solve the technical problem of low service providing efficiency in the related art.
According to an aspect of an embodiment of the present application, there is provided a recommendation method for a product combination, including: acquiring account information of a first account in a first database of a first platform, wherein the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform; searching a target combination scheme from a first scheme set according to account information of a first account, wherein the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of a second account of the second platform; and under the condition that the first account enters a recommendation interface of the second platform, displaying a target combination scheme recommended to the first account on the recommendation interface.
According to another aspect of the embodiments of the present application, there is also provided a recommendation apparatus for a product combination, including: the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring account information of a first account in a first database of a first platform, the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform; the searching unit is used for searching a target combination scheme from a first scheme set according to the account information of the first account, wherein the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of the second platform; and the recommending unit is used for displaying the target combination scheme recommended to the first account on the recommending interface under the condition that the first account enters the recommending interface of the second platform.
According to another aspect of the embodiments of the present application, there is also provided a recommendation system for a product combination, including: the system comprises a first platform, a second platform and a third platform, wherein the first platform is used for acquiring account information of a first account from a first database and searching a target combination scheme from a first scheme set according to the account information of the first account, the first database is a database in the first platform and associated with the second platform, the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account; and the second platform is used for displaying a target combination scheme recommended to the first account on a recommendation interface when the first account enters the recommendation interface of the second platform, wherein the first account is an account used in the second platform.
According to another aspect of the embodiments of the present application, there is also provided a storage medium including a stored program which, when executed, performs the above-described method.
According to another aspect of the embodiments of the present application, there is also provided an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor executes the above method through the computer program.
In the embodiment of the application, the first platform outputs (for example, through the provided first interface, the second interface and the like) the intelligent delivery capability externally, for the second platform, complex logics such as attribute analysis, recommendation, exchange and the like of a concerned product are not needed, the intelligent delivery capability can be realized by directly calling the first platform, and the second platform can provide corresponding exchange paths for users according to needs, for example, an APP client, an HTTP webpage client, a public number of instant messaging application and the like are established.
In the embodiment of the application, account information of a first account is acquired from a first database of a first platform, a target combination scheme is searched for from a first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme used for recommending on a second platform, and when the first account enters a recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface without providing services in the forms of telephone, interview, webpage searching and the like, so that the technical problem of low service providing efficiency in the related art can be solved, and the technical effect of improving the service efficiency is further achieved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:
FIG. 1 is a schematic diagram of a hardware environment for a method of recommending a product portfolio according to an embodiment of the present application;
FIG. 2 is a flow chart of a method for recommending alternative product combinations according to an embodiment of the present application;
FIG. 3 is a flow chart of an alternative method of recommending a financial plan in accordance with an embodiment of the present application;
FIG. 4 is a schematic diagram of a recommender of an alternative product combination in accordance with embodiments of the present application; and the number of the first and second groups,
fig. 5 is a block diagram of a terminal according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
Financial products on the current market are various in types and large in quantity, so that a professional investor cannot easily select an investment target, and if online APP on each platform establishes a system of the professional investor, the operation is complex and the cost is high.
Similarly, in the fields of games, social contact and the like, products are various in types and large in quantity, for users, especially new users, it is difficult to find the products such as game props and social props needed by the users when the users start to use the products, and if online APPs of each game or social platform establish the system of the users, the operation is complex and the cost is high.
In order to overcome the problem, according to an aspect of the embodiments of the present application, a method embodiment of a method for recommending a product combination is provided, the method may be applied to the fields of finance, games, social contact and the like, taking the application in the financial field as an example, and a system formed by the method is equivalent to a financial management system. The system relies on artificial intelligence to analyze the process by which customer needs match financial assets. According to the characteristics of risk preference, financial status, financing target and the like of individual investors, an intelligent algorithm and an investment portfolio theory model (usually an investment portfolio theory proposed by Markov) are applied to provide intelligent investment management service for users, market dynamics is continuously tracked, and asset allocation schemes are adjusted. The core characteristics of financial management also reflect the standardization of service flow and discipline of investment decision by means of an objective investment portfolio model. Its main advantage lies in: intelligence, passivity, and lower overhead. Similarly, when the method is applied to the fields of games and social contact, appropriate virtual products can be recommended to the user according to the current game stage, game scene, social contact scene and the like of the user so as to meet the game or social contact requirements.
Alternatively, in this embodiment, the recommendation method of the product combination may be applied to a hardware environment as shown in fig. 1. The environment (i.e., the first platform) mainly includes: and the product service subsystem is used for receiving a management instruction of a manager on the second platform through the first interface and managing the target product according to the instruction of the management instruction. And the exchange service subsystem is provided with a second interface and is used for receiving a swap request sent by the investor on the second platform through the second interface and swapping the target product by using the virtual resource according to the instruction of the swap request.
The service subsystem manages the target product according to the instruction of the management instruction, and can be used for configuring the financing product, analyzing the client, recommending the financing product and the like. The exchange service subsystem uses virtual resources to exchange a target product (or a financial product) according to an instruction of an exchange request (or a transaction request), for example, account information of a first account is acquired in a first database of a first platform, a target combination scheme matched with the first account is searched from a first scheme set based on the account information of the first account, and when the first account enters a recommendation interface of a second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface, and the first account can perform a transaction according to the recommendation, where the transaction includes: purchase, add, transfer, sell, withdraw, etc.
The method for recommending a product portfolio according to an embodiment of the present application may be performed by a first platform, and fig. 2 is a flowchart of a method for recommending an alternative product portfolio according to an embodiment of the present application, and as shown in fig. 2, the method may include the following steps:
step S11, acquiring account information of a first account in a first database of the first platform, where the first database is a database in the first platform that is associated with the second platform, and the first account is an account of an investor used in the second platform. The first account can be an account used by an investor, each second platform uses an independent database, the databases can be physically separated, the second platform can exist in situations such as an APP (application) client, an HTTP (hyper text transport protocol) webpage client and the public number of instant messaging application, and the first platform provides services for the second platform in a service form.
Step S12, a target combination scheme is searched from a first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme for recommendation on the second platform, the target combination scheme is a combination scheme under a sub-account of the second platform, and the attribute information of the sub-account of the second account is matched with the account information of the first account. The second account may be an account of an investor used by a manager or different from the first account, and the target combination plan may be one or more combination plans, each of which is a combination of at least two products. The attribute information of the sub-account of the second account is matched with the account information of the first account, for example, the attribute information of the user, such as aggressive type, conservative type and the like, can be determined according to the account information of the user, and each sub-account can also correspond to the attribute information of the aggressive type, the conservative type and the like, and further can recommend the matched combination to the user, such as recommending aggressive type product combination to the aggressive type user.
And step S13, displaying the target combination scheme recommended to the first account on the recommendation interface when the first account enters the recommendation interface of the second platform.
The products can be different according to different application fields, such as financial products such as stocks, funds, bonds and the like in the financial field, game products such as game roles, game props and the like in the game field, and social products such as social props and the like in the social field; the virtual resources are different according to different application fields, such as currency in the financial field, gold coins, points and the like in the game field, virtual currency in the social field and the like; related tasks, namely tasks of exchanging virtual resources for products, such as purchasing financing products by using currency, purchasing social props by using virtual currency and the like can be executed according to a combination scheme selected by a user. For the sake of description unification, the following unification is described by taking application to the financial field as an example, and similarly, the application of the scheme of the present application to other fields is not described again.
The capability of product processing is output externally (such as through a provided first interface, a second interface and the like) through the first platform, for the second platform, complex logics such as attribute analysis, recommendation, exchange and the like of a target product do not need to be concerned, the capability can be realized by directly calling the first platform, the second platform can provide a corresponding exchange path for a user according to needs, and for example, the second platform exists in the form of establishing a public number adopting an APP client, an HTTP webpage client, instant messaging application and the like, so that the second platform can provide required product service for an account number in the second platform by calling the first platform.
Through the steps, the account information of the first account is obtained from the first database of the first platform, the target combination scheme is searched for from the first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, and when the first account enters the recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface instead of providing services in the forms of telephone, interview, webpage searching and the like, so that the technical problem of low service providing efficiency in the related technology can be solved, and the technical effect of improving the service efficiency is achieved.
In addition, in the field of financial investments, in order to make financial capital obtain a good profitability, it is necessary to make judgments about the fluctuation of financial products such as stocks, so as to make purchases and sales of the financial products according to the judgments. At present, the judgment of the future rise and fall of the financial product mainly comprises that a user judges the future rise and fall by looking up the information of the financial product and relying on past financial experience.
The financial experience of the user is limited, so that the accuracy of judging the rise and fall of the financial products by the user is low, and the users spend a large amount of time on checking the financial products one by one due to the large quantity of the financial products and the large information quantity of the financial products.
The scheme of the application is applied to the financial field, a client (namely an investor) can establish the sub-accounts according to the conditions of investment purposes and the like, corresponding combined products can be automatically generated in the financial management system (each sub-account designed in the system can correspond to one combined product, namely a financial management scheme), the current position taken during each purchase is configuration details, and other investors can be informed to follow up the investment. The technical solution of the present application is further detailed below with reference to the steps shown in fig. 2.
In the technical solution provided in step S11, account information of the first account is acquired in a first database of the first platform, where the first database is a database associated with the second platform in the first platform.
Optionally, before acquiring the account information of the first account from the first database of the first platform, the administrator may configure the second platform as follows: receiving a configuration request of a second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating the target financing scheme with the sub-account of the second account; responding to the configuration request, and creating a sub account belonging to a second account; and associating the target financing scheme (namely the target combination scheme) configured by the configuration request with the sub-account of the second account.
Optionally, there may be a plurality of sub-accounts for the second account number, and each sub-account may correspond to at least one financial configuration scheme.
In the above embodiment, associating the target financing scheme configured by the configuration request with the sub-account of the second account includes one of: selecting a target financing scheme from first candidate financing schemes (namely first candidate combination schemes) according to the configuration request, and associating the target financing scheme with a sub-account of a second account, wherein the first candidate financing scheme is a financing scheme provided by a first platform to the second account; selecting a target financing scheme from second candidate financing schemes (namely second candidate combination schemes) according to the configuration request, and associating the target financing scheme with a sub-account of a second account, wherein the second candidate financing scheme is a financing scheme provided by a second platform to the second account; and acquiring a target financing scheme configured by the second account carried by the configuration request, and associating the target financing scheme with the sub-account of the second account.
In the technical solution provided in step S12, a target financing scheme is searched from a first financing scheme set (which may be simply referred to as a first scheme set) according to the account information of the first account, where the financing schemes in the first financing scheme set are financing schemes for recommendation on the second platform.
The account information includes two aspects of information, one of which is information related to the behavior record of the first account in the first platform, such as shopping information, endowment information, income condition, and the like; the second is evaluation information of the first account in the second system, such as a risk evaluation level, the first level: conservative, i.e. suitable for low risk financing products; and a second stage: robust, i.e., suitable for lower risk level products; and a third stage: balanced, i.e., medium risk grade products; fourth stage: positive, higher risk grade product grade five: aggressive, i.e., high risk grade products.
For example, a part of the financing schemes can be selected according to the risk rating, and then the most appropriate scheme is selected according to the information related to the behavior record, for example, the investor often has sudden money-spending behavior, and then the financing scheme with a proper amount of current financing products is selected.
In the technical solution provided in step S13, when the first account enters the recommendation interface of the second platform, a target financing plan is recommended to the first account in the recommendation interface.
Optionally, after recommending the target financing scheme to the first account in the recommendation interface, if the investor is satisfied, the underwriting is initiated: receiving a financing request (namely a task request) of a first account; the financial products are purchased from the second platform according to the purchase total amount (i.e., the total amount of resources, such as the total amount of money purchased) indicated by the financial request and the purchase ratio (i.e., the exchange ratio) indicated by the target financial plan for each of the plurality of financial products in the second platform, and the financial products of other platforms, such as the financial products of the proxy fund system, may also be purchased through the second platform. For example, if a financial plan is that the purchase rates of the financial product a, the financial product B and the financial product C are 20, 30 and 50, respectively, and the total purchase amount of the user is 100 yuan, the purchase amounts of the financial product a, the financial product B and the financial product C are 20 yuan, 30 yuan and 50 yuan, respectively.
Alternatively, after purchasing a financial product from the second platform according to the total purchase amount indicated by the financial request and the purchase proportion indicated by the target financial plan for each of the plurality of financial products in the second platform, the investor may inquire about a financial situation according to the demand: receiving a query request of a first account; searching a first financial benefit (namely a first resource increment) and a second financial benefit (namely a second resource increment) of the target financial scheme, wherein the first financial benefit comprises the financial benefit of each financial product in the target financial scheme within a time period of the purchase time of the first account, namely the benefit condition of the financial product within the period from the purchase date, and the second financial benefit comprises the financial benefit of each financial product in the target financial scheme within the time period of all accounts on the second platform, namely the benefit condition of the financial product within the complete period; and responding to the query request, and returning the purchase proportion of each financing product in the target financing scheme, the first financing yield of the target financing scheme and the second financing yield of the target financing scheme to the first account.
Optionally, after purchasing the financial product from the second platform according to the total purchase amount indicated by the financial request and the purchase proportion of each financial product in the plurality of financial products in the second platform indicated by the target financial plan, the user may also perform binning (i.e. adjustment) as required: receiving a bin-adjusting instruction (namely an adjusting instruction) of a second account team on the target financing scheme; and/or reducing the holding amount of the second financial product indicated by the transfer instruction in the plurality of financial products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount, and the third holding amount is higher than the fourth holding amount.
Optionally, after receiving a second account team's warehouse adjustment instruction for a target financing scheme, a certain financing scheme may be adjusted as needed, and at this time, a first warehouse adjustment prompt (i.e., a first adjustment prompt) of the target financing scheme is sent to the first account, where the first warehouse adjustment prompt is used to prompt that the holding amount of the first financing product is increased from a first holding amount to a second holding amount; and/or sending a second transfer prompt (namely a second adjustment prompt) of the target financing scheme to the first account, wherein the second transfer prompt is used for prompting that the holding amount of the second financing product is reduced from the third holding amount to the fourth holding amount.
The intelligent investment customer can adopt a plurality of platform accounts to manage, each sub-account corresponds to a combined product at the moment, data can be generated when the sub-account is newly built, the combination is different from the combination built by the platform, the combination does not need to maintain the combination configuration detail of each period, and other investors can automatically match the current position taken by the intelligent investment customer to adjust the position and buy the intelligent investment customer. As an alternative embodiment, the following is detailed in connection with fig. 3.
The user U1 creates different types of sub accounts (such as different risk level types, different fund usage and different asset types and the like) through the APP client, and selects whether to disclose the sub accounts to other users; after selecting to show other users, other APP users Ux (such as Ux1, Ux2, Uxx, etc.) can see the position holding combination of the user, and can make orders and position adjustment on the smart projection platform through the position holding of U1. The sub-account taken positions created by the user U1 are visible to different levels of users and can be used for transaction operation, and the platform does not make too many risk level limits for the sub-account taken positions. The mode that other APP users automatically match sub-account users U1 is that after other APP users inquire U1 position taking combination, mirror image equal ratio generation purchase scheme is carried out according to U1 position taking for user verification and a trade ordering entrance is provided, when U1 position taking changes, whether other and invested users carry out position adjusting operation or not can be prompted, and if the selection is yes, position taking combination data mirror image equal ratio adjustment operation is carried out according to U1 position taking.
The intelligent delivery client can carry out self-establishment combination, for example, a financial card holding mechanism cooperates with a platform, the card holding mechanism can establish combination according to the identity of an investor, the combination corresponds to a sub-account under the name of the investor, the detail of the combination can be configured periodically, and the system automatically prompts the buying client to transfer the warehouse according to the detail; the card holding mechanism client creates combination information under the sub-account and discloses the combination information by applying the APP as an investor role, other users (namely investors) of the platform can make a selection transaction order through the current combination, and when the strategy model and the combination detail change, the users who buy the current combination are matched to prompt the users to carry out a warehouse adjustment operation.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
Through the above description of the embodiments, those skilled in the art can clearly understand that the method according to the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but the former is a better implementation mode in many cases. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present application.
According to another aspect of the embodiments of the present application, there is also provided a recommendation apparatus for a product combination for implementing the recommendation method for a product combination. Fig. 4 is a schematic diagram of a recommendation device for an alternative product combination according to an embodiment of the present application, and as shown in fig. 4, the device may include:
an obtaining unit 11, configured to obtain account information of a first account in a first database of a first platform, where the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform;
the searching unit 12 is configured to search a target combination scheme from a first scheme set according to the account information of the first account, where the combination scheme in the first scheme set is a combination scheme for performing recommendation on a second platform, and the target combination scheme is a combination scheme under a sub-account of a second account of the second platform;
and the recommending unit 13 is configured to display the target combination scheme recommended to the first account on a recommending interface when the first account enters the recommending interface of the second platform.
It should be noted that the obtaining unit 11 in this embodiment may be configured to execute step S11 in this embodiment, the searching unit 12 in this embodiment may be configured to execute step S12 in this embodiment, and the recommending unit 13 in this embodiment may be configured to execute step S13 in this embodiment.
It should be noted here that the modules described above are the same as the examples and application scenarios implemented by the corresponding steps, but are not limited to the disclosure of the above embodiments. It should be noted that the modules described above as a part of the apparatus may operate in a hardware environment as shown in fig. 1, and may be implemented by software or hardware.
The intelligent delivery and treatment capability is output externally through the first platform (such as through the provided first interface, the second interface and the like), for the second platform, complex logics such as attribute analysis, recommendation, exchange and the like of a concerned product are not needed, the intelligent delivery and treatment capability can be realized by directly calling the first platform, and the second platform can provide corresponding exchange ways for users according to needs, such as establishing an APP application client, an HTTP webpage client, a public number of instant messaging application and the like.
Through the module, the account information of the first account is obtained from the first database of the first platform, the target combination scheme is searched from the first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, and under the condition that the first account enters the recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface instead of providing financial services in the forms of telephone, interview and the like, so that the technical problem of low service providing efficiency in the related technology can be solved, and the technical effect of improving the service efficiency is further achieved.
Optionally, the apparatus of the present application may further include a configuration unit, configured to, before acquiring the account information of the first account in the first database of the first platform: receiving a configuration request of a second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating the target combination scheme with the sub-account of the second account; responding to the configuration request, and creating a sub account belonging to a second account; and associating the target combination scheme configured by the configuration request with the sub-account of the second account.
Optionally, the configuration unit of the present application may be further configured to, when associating the target combination scheme configured by the configuration request with the sub-account of the second account, perform at least one of the following: selecting a target combination scheme from the first candidate combination scheme according to the configuration request, and associating the target combination scheme with a sub-account of the second account, wherein the first candidate combination scheme is a combination scheme provided by the first platform to the second account; selecting a target combination scheme from second candidate combination schemes according to the configuration request, and associating the target combination scheme with the sub-account of the second account, wherein the second candidate combination scheme is a combination scheme provided by the second platform to the second account; and acquiring a target combination scheme configured by the second account carried by the configuration request, and associating the target combination scheme with the sub-account of the second account.
Optionally, the apparatus of the present application may further include a transaction unit, configured to, after displaying, on the recommendation interface, the target combination scenario recommended to the first account number: receiving a task request of a first account; and exchanging the products from the second platform according to the total amount of the resources indicated by the task request and the exchange proportion of each product in the plurality of products in the second platform indicated by the target combination scheme.
Optionally, the apparatus of the present application may further include a query unit, configured to receive a query request of the first account after exchanging products from the second platform according to the total amount of resources indicated by the task request and the exchange proportion of each product in the plurality of products in the second platform indicated by the target combination scheme; searching a first resource increment and a second resource increment of the target combination scheme, wherein the first resource increment comprises the resource increment of each product in the target combination scheme within the time period of the first account in the exchange time, and the second resource increment comprises the resource increment of each product in the target combination scheme within the time period of all accounts on the second platform; and responding to the query request, and returning the exchange proportion of each product in the target combination scheme, the first resource increment of the target combination scheme and the second resource increment of the target combination scheme to the first account.
Optionally, the apparatus of the present application may further include an adjusting unit, configured to, after swapping the product from the second platform according to the total amount of resources indicated by the task request and the swap proportion for each of the plurality of products in the second platform indicated by the target combination scheme: receiving an adjusting instruction of a second account team on the target combination scheme; and/or reducing the holding amount of the second product indicated by the adjusting instruction in the plurality of products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount, and the third holding amount is higher than the fourth holding amount.
Optionally, the apparatus of the present application may further include a prompting unit, configured to, after receiving an instruction to adjust the target combination scheme by the second account team: sending a first adjustment prompt of the target combination scheme to the first account, wherein the first adjustment prompt is used for prompting that the holding amount of the first product is increased from the first holding amount to the second holding amount; and/or sending a second adjustment prompt of the target combination scheme to the first account, wherein the second adjustment prompt is used for prompting that the holding amount of the second product is reduced from the third holding amount to the fourth holding amount.
It should be noted here that the modules described above are the same as the examples and application scenarios implemented by the corresponding steps, but are not limited to the disclosure of the above embodiments. It should be noted that the modules described above as a part of the apparatus may be operated in a hardware environment as shown in fig. 1, and may be implemented by software, or may be implemented by hardware, where the hardware environment includes a network environment.
According to another aspect of the embodiment of the application, a server or a terminal for implementing the recommendation method of the product combination is also provided.
Fig. 5 is a block diagram of a terminal according to an embodiment of the present application, and as shown in fig. 5, the terminal may include: one or more processors 21 (only one of which is shown in fig. 5), a memory 22, and a transmission means 23. as shown in fig. 5, the terminal may further include an input-output device 24.
The memory 22 may be configured to store software programs and modules, such as program instructions/modules corresponding to the method and apparatus for recommending a product combination in the embodiment of the present application, and the processor 21 executes various functional applications and data processing by running the software programs and modules stored in the memory 22, that is, implements the method for recommending a product combination described above. The memory 22 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 22 may further include memory located remotely from the processor 21, which may be connected to the terminal over 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 above-mentioned transmission means 23 are used for receiving or sending data via a network and may also be used for data transmission between the processor and the memory. Examples of the network may include a wired network and a wireless network. In one example, the transmission device 23 includes a Network adapter (NIC) that can be connected to a router via a Network cable and other Network devices so as to communicate with the internet or a local area Network. In one example, the transmission device 23 is a Radio Frequency (RF) module, which is used for communicating with the internet in a wireless manner.
Wherein the memory 22 is used for storing, in particular, application programs.
The processor 21 may call the application stored in the memory 22 via the transmission means 23 to perform the following steps:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform;
searching a target financing scheme from a first financing scheme set according to account information of a first account, wherein the financing scheme in the first financing scheme set is a financing scheme for recommending on a second platform, and the target financing scheme is a financing scheme under a sub-account of a second account of the second platform;
and under the condition that the first account enters a recommendation interface of the second platform, recommending a target financing scheme to the first account in the recommendation interface.
The processor 21 is further configured to perform the following steps:
selecting a target financing scheme from the first candidate financing schemes according to the configuration request, and associating the target financing scheme with a sub-account of the second account, wherein the first candidate financing scheme is a financing scheme provided by the first platform to the second account;
selecting a target financing scheme from second candidate financing schemes according to the configuration request, and associating the target financing scheme with a sub-account of a second account, wherein the second candidate financing scheme is a financing scheme provided by a second platform to the second account;
and acquiring a target financing scheme configured by the second account carried by the configuration request, and associating the target financing scheme with the sub-account of the second account.
By adopting the embodiment of the application, the first platform outputs (such as the first interface, the second interface and the like) the intelligent investment capability to the outside, for the second platform, the second platform does not need to pay attention to the complex logics of property analysis, recommendation, purchase and the like of financial products, the first platform can be directly called to realize, and the second platform can provide corresponding purchase ways for users according to needs, such as establishing APP application clients, HTTP webpage clients, public numbers of instant messaging application and the like.
The method comprises the steps of obtaining account information of a first account in a first database of a first platform, searching a target financing scheme from a first financing scheme set according to the account information of the first account, wherein the financing scheme in the first financing scheme set is a financing scheme for recommending on a second platform, and under the condition that the first account enters a recommending interface of the second platform, the target financing scheme is recommended to the first account in a recommending interface instead of providing financial services in the forms of telephone, interview and the like, so that the technical problem that the service providing efficiency in the related technology is low can be solved, and the technical effect of improving the service efficiency can be achieved.
Optionally, the specific examples in this embodiment may refer to the examples described in the above embodiments, and this embodiment is not described herein again.
It can be understood by those skilled in the art that the structure shown in fig. 5 is only an illustration, and the terminal may be a terminal device such as a smart phone (e.g., an Android phone, an iOS phone, etc.), a tablet computer, a palm computer, and a Mobile Internet Device (MID), a PAD, etc. Fig. 5 is a diagram illustrating a structure of the electronic device. For example, the terminal may also include more or fewer components (e.g., network interfaces, display devices, etc.) than shown in FIG. 5, or have a different configuration than shown in FIG. 5.
Those skilled in the art will appreciate that all or part of the steps in the methods of the above embodiments may be implemented by a program instructing hardware associated with the terminal device, where the program may be stored in a computer-readable storage medium, and the storage medium may include: flash disks, Read-Only memories (ROMs), Random Access Memories (RAMs), magnetic or optical disks, and the like.
Embodiments of the present application also provide a storage medium. Alternatively, in this embodiment, the storage medium may be used to execute a program code of a recommendation method for a product combination.
Optionally, in this embodiment, the storage medium may be located on at least one of a plurality of network devices in a network shown in the above embodiment.
Optionally, in this embodiment, the storage medium is configured to store program code for performing the following steps:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database in the first platform and associated with a second platform, and the first account is an account used in the second platform;
searching a target financing scheme from a first financing scheme set according to account information of a first account, wherein the financing scheme in the first financing scheme set is a financing scheme for recommending on a second platform, and the target financing scheme is a financing scheme under a sub-account of a second account of the second platform;
and under the condition that the first account enters a recommendation interface of the second platform, recommending a target financing scheme to the first account in the recommendation interface.
Optionally, the storage medium is further arranged to store program code for performing the steps of:
selecting a target financing scheme from the first candidate financing schemes according to the configuration request, and associating the target financing scheme with a sub-account of the second account, wherein the first candidate financing scheme is a financing scheme provided by the first platform to the second account;
selecting a target financing scheme from second candidate financing schemes according to the configuration request, and associating the target financing scheme with a sub-account of a second account, wherein the second candidate financing scheme is a financing scheme provided by a second platform to the second account;
and acquiring a target financing scheme configured by the second account carried by the configuration request, and associating the target financing scheme with the sub-account of the second account.
Optionally, the specific examples in this embodiment may refer to the examples described in the above embodiments, and this embodiment is not described herein again.
Optionally, in this embodiment, the storage medium may include, but is not limited to: a U-disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a removable hard disk, a magnetic or optical disk, and other various media capable of storing program codes.
The above-mentioned serial numbers of the embodiments of the present application are merely for description and do not represent the merits of the embodiments.
The integrated unit in the above embodiments, if implemented in the form of a software functional unit and sold or used as a separate product, may be stored in the above computer-readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a storage medium, and including instructions for causing one or more computer devices (which may be personal computers, servers, network devices, or the like) to execute all or part of the steps of the method described in the embodiments of the present application.
In the above embodiments of the present application, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
In the several embodiments provided in the present application, it should be understood that the disclosed client may be implemented in other manners. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one type of division of logical functions, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or may be integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, units or modules, and may be in an electrical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The foregoing is only a preferred embodiment of the present application and it should be noted that those skilled in the art can make several improvements and modifications without departing from the principle of the present application, and these improvements and modifications should also be considered as the protection scope of the present application.
Claims (11)
1. A method for recommending a product portfolio, comprising:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database which is associated with a second platform in the first platform, and the first account is an account used in the second platform;
searching a target combination scheme from a first scheme set according to the account information of the first account, wherein the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and the attribute information of the sub-account of the second account is matched with the account information of the first account;
and under the condition that the first account enters a recommendation interface of the second platform, displaying the target combination scheme recommended to the first account on the recommendation interface.
2. The method of claim 1, wherein before obtaining account information for the first account in the first database of the first platform, the method further comprises:
receiving a configuration request of the second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating a target combination scheme with the sub-account of the second account;
in response to the configuration request, creating a sub-account belonging to the second account;
and associating the target combination scheme configured by the configuration request with the sub-account of the second account.
3. The method of claim 2, wherein associating the target combination plan configured by the configuration request with a sub-account of the second account comprises one of:
selecting the target combination scheme from first candidate combination schemes according to the configuration request, and associating the target combination scheme with the sub-account of the second account, wherein the first candidate combination scheme is a combination scheme provided by the first platform to the second account;
selecting the target combination scheme from second candidate combination schemes according to the configuration request, and associating the target combination scheme with the sub-account of the second account, wherein the second candidate combination scheme is a combination scheme provided by the second platform to the second account;
and acquiring the target combination scheme configured by the second account carried by the configuration request, and associating the target combination scheme with the sub-account of the second account.
4. The method of claim 1, wherein after the recommendation interface displays the target combination scenario recommended to the first account, the method further comprises:
receiving a task request of the first account;
and exchanging products from the second platform according to the total amount of resources indicated by the task request and the exchange proportion of each product in the plurality of products in the second platform indicated by the target combination scheme.
5. The method of claim 4, wherein after swapping products from the second platform according to the total amount of resources indicated by the task request and the swap proportion for each of the plurality of products in the second platform indicated by the target combination schema, the method further comprises:
receiving a query request of the first account;
searching a first resource increment and a second resource increment of the target combination scheme, wherein the first resource increment comprises the resource increment of each product in the target combination scheme within a time period of the exchange time of the first account, and the second resource increment comprises the resource increment of each product in the target combination scheme within the time period of all accounts on the second platform;
and responding to the query request, and returning the exchange proportion of each product in the target combination scheme, the first resource increment of the target combination scheme and the second resource increment of the target combination scheme to the first account.
6. The method of claim 4, wherein after swapping products from the second platform according to the total amount of resources indicated by the task request and the swap proportion for each of the plurality of products in the second platform indicated by the target combination schema, the method further comprises:
receiving an adjusting instruction of a second account team on the target combination scheme;
and increasing the holding amount of the first product indicated by the adjusting instruction in the plurality of products from a first holding amount to a second holding amount indicated by the adjusting instruction, and/or decreasing the holding amount of the second product indicated by the adjusting instruction in the plurality of products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount, and the third holding amount is higher than the fourth holding amount.
7. The method of claim 6, wherein after receiving the adjustment instruction of the second accounting team to the target combination scheme, the method further comprises:
sending a first adjustment prompt of the target combination scheme to the first account, wherein the first adjustment prompt is used for prompting that the holding amount of the first product is increased from a first holding amount to a second holding amount; and/or the presence of a gas in the gas,
and sending a second adjustment prompt of the target combination scheme to the first account, wherein the second adjustment prompt is used for prompting that the holding amount of the second product is reduced from a third holding amount to a fourth holding amount.
8. A recommendation device for a product portfolio, comprising:
an obtaining unit, configured to obtain account information of a first account in a first database of a first platform, where the first database is a database in the first platform that is associated with a second platform, and the first account is an account used in the second platform;
a searching unit, configured to search a target combination scheme from a first scheme set according to account information of the first account, where the combination scheme in the first scheme set is a combination scheme for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account;
and the recommending unit is used for displaying the target combination scheme recommended to the first account on a recommending interface under the condition that the first account enters the recommending interface of the second platform.
9. A recommendation system for a product portfolio, comprising:
the system comprises a first platform, a second platform and a third platform, wherein the first platform is used for acquiring account information of a first account from a first database and searching a target combination scheme from a first scheme set according to the account information of the first account, the first database is a database which is associated with the second platform in the first platform, the combination scheme in the first scheme set is a combination scheme which is used for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account;
the second platform is used for displaying the target combination scheme recommended to the first account on a recommendation interface when the first account enters the recommendation interface of the second platform, wherein the first account is an account used in the second platform.
10. A storage medium, characterized in that the storage medium comprises a stored program, wherein the program when executed performs the method of any of the preceding claims 1 to 7.
11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor executes the method of any of the preceding claims 1 to 7 by means of the computer program.
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| CN110139162A (en) * | 2019-05-05 | 2019-08-16 | 腾讯科技（深圳）有限公司 | The sharing method and device of media content, storage medium, electronic device |
| CN110287408A (en) * | 2019-05-23 | 2019-09-27 | 上海拍拍贷金融信息服务有限公司 | A kind of method and system customizing push financial product |
| CN110458661A (en) * | 2019-08-06 | 2019-11-15 | 深圳市拜特科技股份有限公司 | A kind of method and device carrying out the recommendation of Enterprise Financing scheme according to enterprise's cash flow |
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