CN105843909A - Financial information pushing method and apparatus - Google Patents
Financial information pushing method and apparatus Download PDFInfo
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- CN105843909A CN105843909A CN201610171151.2A CN201610171151A CN105843909A CN 105843909 A CN105843909 A CN 105843909A CN 201610171151 A CN201610171151 A CN 201610171151A CN 105843909 A CN105843909 A CN 105843909A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/953—Querying, e.g. by the use of web search engines
- G06F16/9535—Search customisation based on user profiles and personalisation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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Abstract
The embodiment of the invention provides a financial information pushing method and apparatus. The financial information pushing method comprises the steps of acquiring user historical investment information, and carrying out analysis to obtain a user historical investment habit; according to the user historical investment habit, determining financial products matched with the user historical investment habit; and pushing information of the financial products matched with the user historical investment habit. The financial information pushing method and apparatus solve the technical problem that in the prior art, financial information cannot be pushed to a user according to potential investment requirements of the user.
Description
Technical field
The present embodiments relate to financial information technology field, the Internet, particularly relate to a kind of Financial Information
Method for pushing and device.
Background technology
In the software of current financial service, after user opens software, server push i.e. be can be observed
Financial Information.But, the information that server is pushed is pre-set, obtained by each user
Information is the most identical.For some users, server pre-set and unify push information very may be used
The wish can invested with it is not inconsistent, therefore, and cannot be according to the potential investment demand of user in prior art
The Financial Information got desired by it is directly provided to user.
Summary of the invention
The embodiment of the present invention provides method for pushing and the device of a kind of Financial Information, it is intended to solve prior art
In cannot carry out the technical problem of Financial Information propelling movement to user according to the potential investment demand of user.
The embodiment of the present invention provides the method for pushing of a kind of Financial Information, including:
Obtain user's history investing tip, analyze and obtain user's history investment custom；
According to described user's history investment custom, determine the financing mated with described user's history investment custom
Product information；
Push the finance product information mated with described user's history investment custom.
Alternatively, described method also includes:
Set up financial information data storehouse；
Described financial information data storehouse is preserved the history investing tip of each registration user, described history
Investing tip includes the investing tip that each registration user is carrying out or carrying out, and specifically includes throwing
Money number of times, investment amount, investment time limit and/or investment return；
Described financial information data storehouse is also preserved each finance product information, described finance product information
Including finance product title, investment threshold, expected yield and/or extracting rule.
Alternatively, obtain user's history investing tip, analyze and obtain user's history investment custom, including:
The history investing tip of each registration user, analysis and arrangement is obtained from described financial information data storehouse
Obtain each registration user history investment custom, described history investment custom include investment amount scope,
Pre-investment yield scope and/or single investment time limit；
The weight coefficient of each investment custom in described history investment custom is set.
Alternatively, according to described user's history investment custom, determine and described user's history investment custom
The finance product joined, including:
According to the weight coefficient of each investment custom in described user's history investment custom, utilize weight system
The investment custom that number is high, screens the finance product information in described financial information data storehouse, obtains
The finance product information to be pushed being associated with described user's history investment custom.
Alternatively, described method also includes:
According to each design factor of finance product propelling movement value, calculate each finance product information to be pushed
Propelling movement value, described design factor include income coefficient, threshold coefficient and/or rule coefficient, described income
The pre-situation of Profit that finance product is invested by coefficient reflection user, the reflection financing of described threshold coefficient is produced
The height situation of the investment threshold of product, described rule coefficient reflection user carry out finance product extract time
Extract limited case；
According to the propelling movement value of each finance product information to be pushed, the finance product information high to propelling movement value
Preferential propelling movement.
Alternatively, described method also includes:
If there is the finance product information that propelling movement value is identical, then according to the weight of each design factor, will calculate
The finance product information to be pushed that coefficient weights is high preferentially pushes；
If there is the finance product information that propelling movement value is identical, and when design factor weight is identical, push away the most at random
Finance product information to be pushed described in sending.
The embodiment of the present invention also provides for the pusher of a kind of Financial Information, including:
Investment custom acquisition module, obtains user's history investing tip, and analysis obtains the investment of user's history and practises
Used；
Matching module, for according to described user's history investment custom, determines and invests with described user's history
The finance product information of custom coupling；
Pushing module, for pushing the finance product information mated with described user's history investment custom.
Alternatively, described device also includes:
Database module, is used for setting up financial information data storehouse；
Described financial information data storehouse is preserved the history investing tip of each registration user, described history
Investing tip includes the investing tip that each registration user is carrying out or carrying out, and specifically includes throwing
Money number of times, investment amount, investment time limit and/or investment return；
Described financial information data storehouse is also preserved each finance product information, described finance product information
Including finance product title, investment threshold, expected yield and/or extracting rule.
Alternatively, described investment custom acquisition module is used for: the gold set up from described Database module
Melting the history investing tip obtaining each registration user in information database, analysis and arrangement obtains each registration
The history investment custom of user, described history investment custom includes investment amount scope, pre-investment return
Rate scope and/or single investment time limit；
Module is set, for arranging in the described history investment custom that described investment custom acquisition module obtains
The weight coefficient of each investment custom.
Alternatively, described matching module specifically for: according to described arrange module arrange user's history throw
The weight coefficient of each investment custom in money custom, utilizes the investment custom that weight coefficient is high, to described
Finance product information in financial information data storehouse is screened, and obtains and described user's history investment custom
The finance product information to be pushed being associated.
Alternatively, described device also includes:
Computing module, for each design factor according to finance product information pushing value, calculates described
Joining the propelling movement value of the finance product information each to be pushed that module obtains, described design factor includes income
Coefficient, threshold coefficient and/or rule coefficient, described income coefficient reflection user invest finance product
Pre-situation of Profit, the height situation of investment threshold of described threshold coefficient reflection finance product, described rule
The then coefficient reflection user extraction limited case when carrying out finance product and extracting；
Described pushing module, is additionally operable to according to the calculated each financing to be pushed of described settlement module
The propelling movement value of product information, preferentially pushes the finance product information that propelling movement value is high.
Alternatively, described pushing module is additionally operable to:
If there is the finance product information that propelling movement value is identical, then according to the weight of each design factor, will calculate
The finance product information that coefficient weights is high preferentially pushes；
If there is the finance product information that propelling movement value is identical, and when design factor weight is identical, push away the most at random
Finance product to be pushed described in sending.
The embodiment of the present invention is determined by the history investing tip of registration user each in financial information data storehouse
Corresponding history investment custom, according to the history investment custom of each registration user, with each finance product
Information is mated, and selects the financing to be pushed that the history investment custom with each registration user is associated
Product information, and then calculate the propelling movement value of each finance product information to be pushed, according to the height of propelling movement value
Low, preferentially propelling movement is worth high finance product information pushing to be pushed to corresponding registration user.This
In bright, the investment demand potential with user of the propelling movement high finance product information of value the most closely, be also user
Wish to obtain the finance product of Financial Information.Therefore, the finance product information that the embodiment of the present invention pushes is
History investment custom according to difference registration user and different, meet the personalized throwing of each registration user
Money wish, the specific aim of information pushing, accuracy are higher.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to reality
Execute the required accompanying drawing used in example or description of the prior art to be briefly described, it should be apparent that under,
Accompanying drawing during face describes is some embodiments of the present invention, for those of ordinary skill in the art,
On the premise of not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of the method for pushing of a kind of Financial Information of the embodiment of the present invention；
Fig. 2 is the schematic flow sheet of the method for pushing of a kind of Financial Information of the embodiment of the present invention；
Fig. 3 is the structural representation of the pusher of a kind of Financial Information of the embodiment of the present invention.
Detailed description of the invention
For making the purpose of the embodiment of the present invention, technical scheme and advantage clearer, below in conjunction with this
Accompanying drawing in bright embodiment, is clearly and completely described the technical scheme in the embodiment of the present invention,
Obviously, described embodiment is a part of embodiment of the present invention rather than whole embodiments.Based on
Embodiment in the present invention, those of ordinary skill in the art are obtained under not making creative work premise
The every other embodiment obtained, broadly falls into the scope of protection of the invention.
Fig. 1 is the schematic flow sheet of the method for pushing of a kind of Financial Information of the embodiment of the present invention；Such as Fig. 1
Shown in, including:
101, obtain user's history investing tip, analyze and obtain user's history investment custom；
In embodiments of the present invention, include before step 101: set up financial information data storehouse；
Wherein, described financial information data storehouse is preserved the history investing tip of each registration user, institute
State the investment letter that history investing tip includes but not limited to that each registration user is carrying out or carrying out
Breath, specifically includes the information such as investment number of times, investment amount, investment time limit and/or investment yield；Certainly
Also storage has the user-dependent user profile of each registration.
Wherein, also preserving each finance product information in described financial information data storehouse, described financing is produced
Product information includes but not limited to finance product title, investment threshold, expected yield and/or extracting rule.
102, according to described user's history investment custom, determine and invest what custom was mated with described user's history
Finance product information；
When implementing, from the financial information data storehouse of above-mentioned foundation, obtain the history of each registration user
Investing tip, analysis and arrangement obtains the history investment custom of each registration user, and wherein, described history is thrown
Money custom includes but not limited to investment amount scope, pre-investment yield scope and/or single time horizon of vestment
Limit；
Alternatively, the embodiment of the present invention can also be arranged in the history investment custom of each registration user every
The weight coefficient of individual investment custom.Such as, heavier regarding income in the history investment custom of registration user A
Rate, then the weight coefficient can increased return on investment；If in the history investment custom of registration user B
Heavier regarding is invested the time limit, then can improve the weight coefficient in investment time limit；If registration user C goes through
History investment is heavier regarding investment amount in being accustomed to, then can improve the weight coefficient of investment amount.
When implementing, according to the weight coefficient of each investment custom in described user's history investment custom,
Utilize the investment custom that weight coefficient is high, the finance product information in described financial information data storehouse is carried out
Screening, obtains the finance product information to be pushed being associated with described user's history investment custom.
It should be noted that user's history investment custom of usual each registration user includes that multiple investment is practised
Used, the weight coefficient of each investment custom is different, in the embodiment of the present invention, it is possible to use weight system
Number the highest investment custom carries out primary screening to the finance product information in financial information data storehouse
To the finance product information to be pushed being associated with user's history investment custom；Or, it is also possible to respectively
Finance product information in financial information data storehouse is carried out repeatedly by the investment custom utilizing weight coefficient higher
Screening, it is assumed that the weight coefficient of the first investment custom is the highest, the weight coefficient of the second investment custom is second highest,
Then first with the first investment custom that weight coefficient is the highest, finance product in financial information data storehouse is believed
Breath carries out screening for the first time, and afterwards, the second investment utilizing weight coefficient second highest is accustomed to screening for the first time
After finance product information carry out programmed screening, the present invention to screening number of times do not do any restriction.
Such as, in order to push finance product information to registration user A, registered by above-mentioned steps
The history investment custom of user A, it is assumed that what the history investment custom of registration user A was valued most is that investment is received
Benefit rate, next values investment amount, then the weight coefficient of Benefit of right rate is the highest, the weight of investment amount
Coefficient is second highest, according to the above-mentioned investment custom high according to weight coefficient in described financial information data storehouse
Finance product information carries out the rule screened, and is first according to register the investment yield of user A, according to gold
Melt the expected yield of each finance product information in information database each finance product information to be carried out for the first time
Screening；Secondly, according to the scope of the investment amount of registration user A, according to the throwing of each finance product information
Money threshold carries out programmed screening to the finance product information after screening for the first time, to obtain and registration user
The finance product information to be pushed that A history investment custom is associated.It should be noted that the present invention implements
Screening number of times in example is not limited to twice screening of the example above, it is also possible to according to the power of other investment customs
Weight coefficient (such as the investment time limit) screens.
103, the finance product information mated with described user's history investment custom is pushed.
The embodiment of the present invention is determined by the history investing tip of registration user each in financial information data storehouse
Corresponding history investment custom, according to the history investment custom of each registration user, with each finance product
Information is mated, and selects the financing to be pushed that the history investment custom with each registration user is associated
Product information, therefore, the finance product information that the embodiment of the present invention pushes registers user according to difference
History investment custom and different, meet each registration personalized investment willingness of user or demand, information
The specific aim, the accuracy that push are higher.
Fig. 2 is the schematic flow sheet of the method for pushing of a kind of Financial Information of the embodiment of the present invention；Such as Fig. 2
Shown in, including:
201, financial information data storehouse is set up；
Specifically, in financial information data storehouse in addition to storage has the user-dependent user profile of registration, also
User should be preserved carried out or ongoing investing tip, this investing tip should at least wrap
Include the investment number of times of user, investment amount, investment time limit and investment yield etc..
Further, in this financial information data storehouse, also storage has multiple finance product information, and this financing is produced
Product information should at least include finance product title, investment threshold (minimum investment amount), prospective earnings
Rate and extracting rule etc..
Alternatively, in the embodiment of the present invention can also according in finance product information every terms of information parameter (as
Expected yield) each finance product is classified, wherein, the every terms of information ginseng in finance product information
Number for example, finance product title, investment threshold (minimum investment amount), expected yield and extraction
Rule etc..
202, obtaining the history investing tip of each registration user from financial information data storehouse, arrangement obtains
The history investment custom of each registration user；
Wherein, the history investment custom of each registration user generally includes multiple investment custom, at least wraps
Include the scope of the investment amount of user, the earning rate scope of pre-investment and the time limit etc. of user's single investment
Habits information.
203, according to the history investment custom of each registration user, from financial information data storehouse, symbol is filtered out
Close the finance product information to be pushed of the history investment custom of correspondence registration user；
It should be noted that user's history investment custom of usual each registration user includes that multiple investment is practised
Used, the weight coefficient of each investment custom is different, in the embodiment of the present invention, it is possible to use weight system
Number the highest investment custom carries out primary screening to the finance product information in financial information data storehouse
To the finance product information to be pushed being associated with user's history investment custom；Or, it is also possible to respectively
Finance product information in financial information data storehouse is carried out repeatedly by the investment custom utilizing weight coefficient higher
Screening, it is assumed that the weight coefficient of the first investment custom is the highest, the weight coefficient of the second investment custom is second highest,
Then first with the first investment custom that weight coefficient is the highest, finance product in financial information data storehouse is believed
Breath carries out screening for the first time, and afterwards, the second investment utilizing weight coefficient second highest is accustomed to screening for the first time
After finance product information carry out programmed screening, the present invention to screening number of times do not do any restriction.
Assume that the investment custom that in user's history investment custom of certain registration user, weight coefficient is the highest is investment
Earning rate scope, weight coefficient second highest investment custom be investment amount scope, first to various financings
Product information it is anticipated that earning rate (one of them information parameter in finance product information) is classified,
According to investment yield scope (weight coefficient the highest investment custom), each finance product information carried out the
Primary screening, filters out the finance product information of the investment yield scope meeting this registration user；Its
Secondary, according to the investment amount scope of this registration user, in conjunction with in the finance product information after screening for the first time
Investment threshold situation (investment amount scope) carry out programmed screening, with obtain and this registration user throw
The finance product information to be pushed that money custom is associated.
204, to meeting each registration user's history investment custom finance product to be pushed information calculating correspondence
Propelling movement value；
Specifically, according to each design factor of calculating finance product information pushing value, calculate each waiting and push away
The propelling movement value of the finance product information sent；Alternatively, the computing formula of propelling movement value is as follows:
Propelling movement value=income coefficient+threshold coefficient+rule coefficient；
Wherein, described design factor includes income coefficient, threshold coefficient and/or rule coefficient, wherein, institute
Stating the pre-situation of Profit that finance product is invested by income coefficient reflection user, described threshold coefficient reflects
The height situation of the investment threshold of finance product, described rule coefficient reflection user carries carrying out finance product
Extraction limited case when taking；
In one preferred embodiment of the invention, the computing formula of propelling movement value is as follows:
Propelling movement value=income coefficient * weight coefficient+threshold coefficient * weight coefficient+rule coefficient * weight coefficient；
In the embodiment of the present invention, calculating each finance product information pushing value when, can arrange every
The weight coefficient of individual design factor.
The substantial amounts of user's history investment custom included based on financial information data storehouse, the embodiment of the present invention
In, substantial amounts of user's history investment custom can be carried out data mining by big data mining technology, point
Analysis obtains the probability of the attention degree in substantial amounts of user's history investment custom to earning rate, to investment amount
The probability of the attention degree of (investment threshold), and general to the attention degree of finance product extracting rule
Rate, so that it is determined that the weight coefficient of each design factor in propelling movement value computing formula, such as, by big number
Obtaining usual user to the attention of earning rate according to digging technology is big probability, then can improve propelling movement value meter
Calculate the weight coefficient of income coefficient in formula, if obtaining usual user to throwing by big data mining technology
The attention degree of capital amount (investment threshold) is big probability, then can improve propelling movement value computing formula
The weight coefficient of middle threshold coefficient.
205, according to the propelling movement value of each finance product information to be pushed, according to pushing rule to each note
Volume user recommends the finance product information of correspondence.
Push mode can in the user interface corresponding informance push position circularly exhibiting, it is also possible to for
Specific location in user interface is fixed display.
Propelling movement rule includes: according to the propelling movement value of each finance product information to be pushed, high to propelling movement value
Finance product information preferentially push；If there is the finance product information that propelling movement value is identical, then according to each meter
Calculate the weight of coefficient, finance product information to be pushed high for design factor weight is preferentially pushed；If depositing
In the finance product information that propelling movement value is identical, and when design factor weight is identical, then treat described in random propelling movement
The finance product information pushed.Specifically include:
1, push according to the situation of propelling movement value height, i.e. preferentially high to propelling movement value finance product letter
Breath pushes；
2, when there is identical propelling movement value, preferential Comparative Profits coefficient, produces financing high for income coefficient
Product information preferentially pushes；
3, when there is identical propelling movement value, and when income coefficient is identical, advanced comparison rule coefficient, select
The finance product information that rule coefficient is higher preferentially pushes；
4, when there is identical propelling movement value, and when income coefficient is identical with rule coefficient, advanced threshold is compared
Coefficient, preferentially send finance product information higher for threshold value；
5, when income coefficient, rule coefficient and threshold coefficient are homogeneous while, push the most at random.
The embodiment of the present invention is determined by the history investing tip of registration user each in financial information data storehouse
Corresponding history investment custom, according to the history investment custom of each registration user, with each finance product
Information is mated, and selects the financing to be pushed that the history investment custom with each registration user is associated
Product information, and then calculate the propelling movement value of each finance product information to be pushed, according to the height of propelling movement value
Low, preferentially propelling movement is worth high finance product information pushing to be pushed to corresponding registration user.This
In bright, the investment demand potential with user of the propelling movement high finance product information of value the most closely, be also user
Wish to obtain the finance product of Financial Information.Therefore, the finance product information that the embodiment of the present invention pushes is
History investment custom according to difference registration user and different, meet the personalized throwing of each registration user
Money wish or demand, the specific aim of information pushing, accuracy are higher.
Below by implementing, technical scheme is described in detail, needs explanation
It is to describe for convenience, is 5%, three series products earning rates by the earning rate least restrictive of two series products
Least restrictive be the earning rate least restrictive of 6%, four series products be 8%.
Table 1 is the investing tip of user A recorded in data base:
| Sequence number | Investment time | Name of product | Earning rate | Take-off time | State | Investment amount |
| 1 | In May, 2014 | Product A | 5% | In October, 2014 | Finish | 20000 yuan |
| 2 | In August, 2014 | Product B | 7% | In June, 2015 | Finish | 50000 yuan |
| 3 | In August, 2014 | Products C | 5.5% | In October, 2014 | Finish | 50000 yuan |
| 4 | In July, 2015 | Product D | 8% | Do not take out | In carrying out | 100000 yuan |
Table 1
Table 2 is the relevant information of finance product recorded in data base:
Table 2
It is known that the history single investment amount of user A is in the range of 2-10 ten thousand yuan from table 1, single
The scope that expected yield is 5%-8% of secondary institute investment product.
Understand two series products in conjunction with table 2 earning rate situation, three series products and four series products be satisfied by
The investment custom of family A；And owing to user A there are the investment situation of 100,000 yuan, therefore also meet above-mentioned
The minimum investment amount of second and third and four series products.When user A is pushed, can be pushed
Two, three and four series products, does not pushes for first kind product.
The propelling movement value of second and third and four series products, in the present embodiment, income is calculated according to above-mentioned formula
Rate coefficient can be the ratio between the pre-earning rate of product and the average return of user's A history investment.
Threshold coefficient is that the size between average amount and the minimum investment amount of each product of the investment of user's A history is closed
System, if average amount is more than investment amount, then counts 1；If average amount is less than investment amount, then count
0.8.Rule coefficient is set according to extracting difficulty, extracts the most at any time, does not receive fee meter 1；Work
Make day to extract, do not receive fee meter 0.9；Other extracting mode meters 0.8.
The average return of user A is (5%+6.5%+5.5%+8%)/4=6.25%
The income coefficient that the finance product of 5% is corresponding is 0.8；The income coefficient that the finance product of 6% is corresponding is
0.96；The income coefficient that the finance product of 7% income is corresponding is 1.12；The finance product of 8% income is corresponding
Income coefficient be 1.28.
Through can be calculated the propelling movement value corresponding to above-mentioned each finance product, see table 3 below:
| Name of product | Income coefficient | Threshold coefficient | Rule coefficient | Propelling movement value |
| Product 4 | 0.8 | 1 | 0.8 | 2.6 |
| Product 5 | 0.8 | 1 | 1 | 2.8 |
| Product 6 | 0.8 | 1 | 0.9 | 2.7 |
| Product 7 | 0.96 | 1 | 0.8 | 2.76 |
| Product 8 | 0.96 | 0.8 | 0.8 | 2.56 |
| Product 9 | 1.28 | 1 | 0.8 | 3.08 |
| Product 10 | 1.28 | 0.8 | 0.9 | 2.98 |
Table 3
Can show that propelling movement order is followed successively by conjunction with upper table, product 9, product 10, product 5, product 7,
Product 6, product 4, product 8.
In this example, if the regular coefficient of product 10 is 1, then the propelling movement value of product 9 and product 10
Being 3.08, owing to income coefficient is identical, then judgment rule coefficient, using product 10 as preferential propelling movement
Finance product.
Fig. 3 is the structural representation of the pusher of a kind of Financial Information of the embodiment of the present invention, such as Fig. 3
Shown in, including:
Investment custom acquisition module 31, obtains user's history investing tip, analyzes and obtains the investment of user's history
Custom；
Matching module 32, for according to described user's history investment custom, determines and throws with described user's history
The finance product information of money custom coupling；
Pushing module 33, for pushing the finance product information mated with described user's history investment custom.
Alternatively, described device also includes:
Database module 34, is used for setting up financial information data storehouse；
Described financial information data storehouse is preserved the history investing tip of each registration user, described history
Investing tip includes the investing tip that each registration user is carrying out or carrying out, and specifically includes throwing
Money number of times, investment amount, investment time limit and/or investment return；
Described financial information data storehouse is also preserved each finance product information, described finance product information
Including finance product title, investment threshold, expected yield and/or extracting rule.
Alternatively, described investment custom acquisition module 31 is used for: set up from described Database module
Obtaining the history investing tip of each registration user in financial information data storehouse, analysis and arrangement obtains each note
The history investment custom of volume user, described history investment custom includes investment amount scope, invests receipts in advance
Benefit rate scope and/or single investment time limit；
Module 35 is set, for arranging the described history investment that described investment custom acquisition module 31 obtains
The weight coefficient of each investment custom in custom.
Alternatively, described matching module 32 specifically for: according to described arrange module arrange user's history
The weight coefficient of each investment custom in investment custom, utilizes the investment custom that weight coefficient is high, to institute
The finance product information stated in financial information data storehouse is screened, and obtains practising with the investment of described user's history
The used finance product information to be pushed being associated.
Alternatively, described device also includes:
Computing module 36, for each design factor according to finance product information pushing value, calculates described
The propelling movement value of the finance product information each to be pushed that matching module 32 obtains, described design factor includes
Income coefficient, threshold coefficient and/or rule coefficient, described income coefficient reflection user carried out finance product
The pre-situation of Profit of investment, the height situation of the investment threshold of described threshold coefficient reflection finance product, institute
State the rule coefficient reflection user extraction limited case when carrying out finance product and extracting；
Described pushing module 33, is additionally operable to according to the calculated each reason to be pushed of described settlement module
The propelling movement value of wealth product information, preferentially pushes the finance product information that propelling movement value is high.
Alternatively, described pushing module 33 is additionally operable to:
If there is the finance product information that propelling movement value is identical, then according to the weight of each design factor, will calculate
The finance product information to be pushed that coefficient weights is high preferentially pushes；
If there is the finance product information that propelling movement value is identical, and when design factor weight is identical, push away the most at random
Finance product information to be pushed described in sending.
The method that Fig. 3 shown device embodiment can perform Fig. 1 or embodiment illustrated in fig. 2, it realizes former
Reason and technique effect repeat no more.
Device embodiment described above is only schematically, wherein said illustrates as separating component
Unit can be or may not be physically separate, the parts shown as unit can be or
Person may not be physical location, i.e. may be located at a place, or can also be distributed to multiple network
On unit.Some or all of module therein can be selected according to the actual needs to realize the present embodiment
The purpose of scheme.Those of ordinary skill in the art are not in the case of paying performing creative labour, the most permissible
Understand and implement.
Through the above description of the embodiments, those skilled in the art is it can be understood that arrive each reality
The mode of executing can add the mode of required general hardware platform by software and realize, naturally it is also possible to by firmly
Part.Based on such understanding, the portion that prior art is contributed by technique scheme the most in other words
Dividing and can embody with the form of software product, this computer software product can be stored in computer can
Read in storage medium, such as ROM/RAM, magnetic disc, CD etc., including some instructions with so that one
Computer equipment (can be personal computer, server, or the network equipment etc.) performs each to be implemented
The method described in some part of example or embodiment.
Last it is noted that above example is only in order to illustrate technical scheme, rather than to it
Limit；Although the present invention being described in detail with reference to previous embodiment, the ordinary skill of this area
Personnel it is understood that the technical scheme described in foregoing embodiments still can be modified by it, or
Person carries out equivalent to wherein portion of techniques feature；And these amendments or replacement, do not make corresponding skill
The essence of art scheme departs from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (10)
1. the method for pushing of a Financial Information, it is characterised in that including:
Obtain user's history investing tip, analyze and obtain user's history investment custom；
According to described user's history investment custom, determine the financing mated with described user's history investment custom
Product information；
Push the finance product information mated with described user's history investment custom.
Method the most according to claim 1, it is characterised in that obtain user's history investing tip,
Analysis obtains user's history investment custom, including:
Obtaining the history investing tip of each registration user from financial information data storehouse, analysis and arrangement obtains
The history investment custom of each registration user, described history investment custom includes investment amount scope, pre-
Investment yield scope and/or single investment time limit；
The weight coefficient of each investment custom in described history investment custom is set；
Described financial information data storehouse is preserved the history investing tip of each registration user, described history
Investing tip includes the investing tip that each registration user is carrying out or carrying out, and specifically includes throwing
Money number of times, investment amount, investment time limit and/or investment return；
Described financial information data storehouse is also preserved each finance product information, described finance product information
Including finance product title, investment threshold, expected yield and/or extracting rule.
Method the most according to claim 2, it is characterised in that practise according to the investment of described user's history
Used, determine the finance product mated with described user's history investment custom, including:
According to the weight coefficient of each investment custom in described user's history investment custom, utilize weight system
The investment custom that number is high, screens the finance product information in described financial information data storehouse, obtains
The finance product information to be pushed being associated with described user's history investment custom.
Method the most according to claim 3, it is characterised in that also include:
According to each design factor of finance product information pushing value, calculate each finance product to be pushed
The propelling movement value of information, described design factor includes income coefficient, threshold coefficient and/or rule coefficient, described
The pre-situation of Profit that finance product is invested by income coefficient reflection user, described threshold coefficient reflection reason
The height situation of the investment threshold of property product, described rule coefficient reflection user is carrying out finance product extraction
Time extraction limited case；
According to the propelling movement value of each finance product information to be pushed, the finance product information high to propelling movement value
Preferential propelling movement.
Method the most according to claim 4, it is characterised in that also include:
If there is the finance product information that propelling movement value is identical, then according to the weight of each design factor, will calculate
The finance product information to be pushed that coefficient weights is high preferentially pushes；
If there is the finance product that propelling movement value is identical, and when design factor weight is identical, push institute the most at random
State finance product information to be pushed.
6. the pusher of a Financial Information, it is characterised in that including:
Investment custom acquisition module, is used for obtaining user's history investing tip, analyzes and obtains the throwing of user's history
Money custom；
Matching module, for according to described user's history investment custom, determines and invests with described user's history
The finance product information of custom coupling；
Pushing module, for pushing the finance product information mated with described user's history investment custom.
Device the most according to claim 6, it is characterised in that:
Described investment custom acquisition module, for obtaining each registration user's from financial information data storehouse
History investing tip, analysis and arrangement obtains the history investment custom of each registration user, and described history is invested
Custom includes investment amount scope, pre-investment yield scope and/or single investment time limit；
Module is set, for arranging in the described history investment custom that described investment custom acquisition module obtains
The weight coefficient of each investment custom；
Described financial information data storehouse is preserved the history investing tip of each registration user, described history
Investing tip includes the investing tip that each registration user is carrying out or carrying out, and specifically includes throwing
Money number of times, investment amount, investment time limit and/or investment return；
Described financial information data storehouse is also preserved each finance product information, described finance product information
Including finance product title, investment threshold, expected yield and/or extracting rule.
Device the most according to claim 7, it is characterised in that described matching module specifically for:
According to the weight coefficient of the described each investment custom arranged in user's history investment custom that module is arranged,
Utilize the investment custom that weight coefficient is high, the finance product information in described financial information data storehouse is carried out
Screening, obtains the finance product information to be pushed being associated with described user's history investment custom.
Device the most according to claim 8, it is characterised in that also include:
Computing module, for each design factor according to finance product information pushing value, calculates described
Joining the propelling movement value of the finance product information each to be pushed that module obtains, described design factor includes income
Coefficient, threshold coefficient and/or rule coefficient, described income coefficient reflection user invest finance product
Pre-situation of Profit, the height situation of investment threshold of described threshold coefficient reflection finance product, described rule
The then coefficient reflection user extraction limited case when carrying out finance product and extracting；
Described pushing module, is additionally operable to according to the calculated each financing to be pushed of described computing module
The propelling movement value of product information, preferentially pushes the finance product information that propelling movement value is high.
10. want the device described in 9 according to right, it is characterised in that described pushing module is additionally operable to:
If there is the finance product information that propelling movement value is identical, then according to the weight of each design factor, will calculate
The finance product information to be pushed that coefficient weights is high preferentially pushes；
If there is the finance product information that propelling movement value is identical, and when design factor weight is identical, push away the most at random
Finance product information to be pushed described in sending.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610171151.2A CN105843909A (en) | 2016-03-24 | 2016-03-24 | Financial information pushing method and apparatus |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610171151.2A CN105843909A (en) | 2016-03-24 | 2016-03-24 | Financial information pushing method and apparatus |
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| CN105843909A true CN105843909A (en) | 2016-08-10 |
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| CN201610171151.2A Pending CN105843909A (en) | 2016-03-24 | 2016-03-24 | Financial information pushing method and apparatus |
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Application publication date: 20160810 |