Embodiment
Embodiments herein is described below in detail, the example of the embodiment is shown in the drawings, wherein certainly
Beginning to same or similar label eventually represents same or similar module or the mould with same or like function
Block.The embodiments described below with reference to the accompanying drawings are exemplary, is only used for explaining the application, and can not
It is interpreted as the limitation to the application.On the contrary, embodiments herein includes falling into attached claims
All changes, modification and equivalent in the range of spirit and intension.
Fig. 1 is the schematic flow sheet of the recommendation method for the investment product that the embodiment of the application one is proposed.Ginseng
See Fig. 1, this method includes:
S11:The user's characteristic information of active user is obtained, and determines that there is identical use with active user
The other users of family characteristic information.
Wherein, user's characteristic information can be assets information.
After User logs in, the assets information in corresponding account can be obtained according to logon account.
After the assets information of active user is obtained, can obtain has same asset with active user
Other users.
It is understood that here identical is not limited to identical, the mistake of permission is additionally may included in
It is roughly the same in poor scope.
By comparing the Assets of different user, can select has same asset with active user
Other users.
It is understood that the other users for having same asset with active user chosen can include:
There are existing whole other users in the system of same asset with active user, or, these are
The other users for the predetermined number selected in the whole other users having.
S12:The corresponding investment product of the other users investment behavior is obtained, and in the investment product
Determine investment product to be recommended.
Wherein, investment behavior for example including:Purchase, click are checked.
For example, after determining there are the other users of same asset with active user, can be according to it
The information such as the purchaser record of his user, obtain the investment product of other users purchase.
Investment product includes but is not limited to:Currency, gold, foreign exchange, marketable securities, fund etc..
The investment product of other users purchase is being obtained, can be according to preset rules, from these investment productions
Investment product to be recommended is selected in product.For example, preset rules are income highests, then thrown from these
Income highest investment product is selected to be used as investment product to be recommended in assets product.
In addition, investment product to be recommended can be one or more combinations.
S13:The investment product is recommended into the active user.
, can be in the interface that active user logs in after investment product to be recommended is determined, displaying
The investment product determined, so that active user selects to buy.
In the present embodiment, by the other users for determining that there is same subscriber characteristic information with active user,
Recommended from the corresponding investment product of these other users, because investment product and the user of recommendation are special
Information association is levied, so as to recommend more relevant investment product to user, the personalization of user is met
Demand.
Fig. 2 is the schematic flow sheet of the recommendation method for the investment product that another embodiment of the application is proposed.
The present embodiment is so that investment product is fund as an example.Referring to Fig. 2, this method includes:
S21:The assets information of active user is obtained, and determination has its of same asset with active user
He is user.
After User logs in, the assets information in corresponding account can be obtained according to logon account.
After the assets information of active user is obtained, can obtain has same asset with active user
Other users.
It is understood that here identical is not limited to identical, the mistake of permission is additionally may included in
It is roughly the same in poor scope.
By comparing the Assets of different user, can select has same asset with active user
Other users.
It is understood that the other users for having same asset with active user chosen can include:
There are existing whole other users in the system of same asset with active user, or, these are
The other users for the predetermined number selected in the whole other users having.
S22:Obtain the fund of the other users purchase.
For example, the information such as purchaser record according to other users, obtains the fund of other users purchase.
S23:Obtain the assets proportioning situation of active user.
For example, with reference to Fig. 3, the assets proportioning situation 31 of user can also be obtained and show, to recommend
When match situation according to assets and choose fund to be recommended.
For example, various assets are matched in being matched according to the assets of user, pushing away for identical proportioning is carried out when recommending
Recommend.For example, in the assets proportioning of user currency fund at most, then the currency fund in the fund of recommendation
Proportion it is also maximum.
In addition, as shown in figure 3, modification entrance 32 can also be shown, when user clicks on " modification " button
Afterwards, the modification page, and the modification assets proportioning situation in the modification page can be entered.Wherein, assets are matched
The initial value of situation can be by detecting that the proportioning for the fund that user currently buys is determined.
S24:Each fund of acquisition is weighted according to preset rules, according to operation result and
The assets proportioning situation of the active user of acquisition, determines fund to be recommended.
Wherein, multiple classifications can be divided into when recommending, for example, a classification is to recommend income high,
Another classification is recommended with most hot radical gold of risk class etc..
In different classifications, it may be determined that corresponding parameter to be calculated, e.g., financial value or temperature
Value etc., so as to select corresponding fund to be recommended according to these parameters.
When carrying out computing in each category, different dimensions can be equally selected according to parameter to be calculated
Degree, and the weighted value of each dimension is set, so as to be treated according to the numerical value of each dimension with weighting to be worth to
The parameter of calculating.When fund is recommended, dimension can include:Mutual fund earnings, risk class, temperature,
Investment experiences, investment objective of investor etc..
In addition, after the fund of each classification is selected according to above-mentioned preset rules, it is also an option that
The fund matched with the assets proportioning situation of user.For example, currency, mixing in assets proportioning situation
The ratio of type and exponential type is 6:2:2, it is when correspondence income classification is recommended, then higher in income
The fund of the currency, mixed type and the exponential type that are selected in fund is also 6:2:2 or generally 6:
2:2.
S25:Displaying fund to be recommended.
Wherein, when recommending multiple classifications, the fund that each classification recommends respective classes can be corresponded to.
For example, with reference to Fig. 3, income, risk class, temperature can be corresponded to respectively and recommends respective classes
Fund 33.
In addition, in some embodiments, this method can also include:
S26:Show the proportioning situation of the fund of active user and other users purchase.
For example, with reference to Fig. 3, the fund proportioning situation 34 of active user can be shown respectively and with phase
Fund with the other users of assets matches situation 35.
In the present embodiment, by determining that there are the other users of same asset with active user, from these its
The corresponding fund of his user is recommended, due to recommendation fund and with user's asset association, so as to
To recommend more relevant fund to user, the individual demand of user is met.Further, root is passed through
The recommendation of corresponding proportion is carried out according to the assets proportioning of user, can recommend to be more suitable for the fund of user.Enter
One step, by providing the user modification entrance, the modification demand of user can be met.Further,
By setting plurality of classes, the fund that each classification recommends respective classes respectively can be corresponded to, is realized many
Sampleization is recommended.Further, can by showing that the fund of active user and other users match situation
Compared with facilitating user to check.
Fig. 4 is the structural representation of the recommendation apparatus for the investment product that another embodiment of the application is proposed.
Referring to Fig. 4, the device 40 includes:Determining module 41, selection module 42 and recommending module 43.
Determining module 41, the user's characteristic information for obtaining active user, and determine and active user
Other users with identical user's characteristic information;
Wherein, user's characteristic information can be assets information.
After User logs in, the assets information in corresponding account can be obtained according to logon account.
After the assets information of active user is obtained, can obtain has same asset with active user
Other users.
It is understood that here identical is not limited to identical, the mistake of permission is additionally may included in
It is roughly the same in poor scope.
By comparing the Assets of different user, can select has same asset with active user
Other users.
It is understood that the other users for having same asset with active user chosen can include:
There are existing whole other users in the system of same asset with active user, or, these are
The other users for the predetermined number selected in the whole other users having.
Module 42 is chosen, for obtaining the corresponding investment product of the other users investment behavior, and
The investment product chooses investment product to be recommended;
Wherein, investment behavior for example including:Purchase, click are checked.
For example, after determining there are the other users of same asset with active user, can be according to it
The information such as the purchaser record of his user, obtain the investment product of other users purchase.
The investment product of other users purchase is being obtained, can be according to preset rules, from these investment productions
Investment product to be recommended is selected in product.For example, preset rules are income highests, then thrown from these
Income highest investment product is selected to be used as investment product to be recommended in assets product.
Optionally, choosing module 42 is used to choose investment product to be recommended in the investment product, bag
Include:
According to the preset rules of each classification to be recommended, each classification is corresponded to respectively in the investment product
Choose investment product to be recommended.
Wherein, when recommending multiple classifications, the fund that each classification recommends respective classes can be corresponded to.
For example, with reference to Fig. 3, income, risk class, temperature can be corresponded to respectively and recommends respective classes
Fund 31.
Recommending module 43, for the investment product to be recommended into the active user.
, can be in the interface that active user logs in after investment product to be recommended is determined, displaying
The investment product determined, so that active user selects to buy.
In some embodiments, the user's characteristic information includes:Assets information, referring to Fig. 5, described device
Also include:
Acquisition module 44, the assets for obtaining active user match situation, so as to according to the assets
Investment product to be recommended is chosen in the investment product with situation.
For example, with reference to Fig. 3, the assets proportioning situation 34 of user can also be obtained and show, to recommend
When match situation according to assets and choose fund to be recommended.
For example, various assets are matched in being matched according to the assets of user, pushing away for identical proportioning is carried out when recommending
Recommend.For example, in the assets proportioning of user currency fund at most, then the currency fund in the fund of recommendation
Proportion it is also maximum.
In some embodiments, referring to Fig. 5, the device also includes:
First display module 45, for showing modification entrance, so that active user passes through the modification entrance
Change the assets proportioning situation.
For example, as shown in figure 3, modification entrance 35 can also be shown, when user clicks on " modification " button
Afterwards, the modification page, and the modification assets proportioning situation in the modification page can be entered.Wherein, assets are matched
The initial value of situation can be by detecting that the proportioning for the fund that user currently buys is determined.
In some embodiments, referring to Fig. 5, the device also includes:
Second display module 46, the investment for showing the active user and other users purchase
The proportioning situation of product.
For example, with reference to Fig. 3, the fund proportioning situation 32 of active user can be shown respectively and with phase
Fund with the other users of assets matches situation 33.
In the present embodiment, by determining that there are the other users of same asset with active user, from these its
The corresponding fund of his user is recommended, due to recommendation fund and with user's asset association, so as to
To recommend more relevant fund to user, the individual demand of user is met.Further, root is passed through
The recommendation of corresponding proportion is carried out according to the assets proportioning of user, can recommend to be more suitable for the fund of user.Enter
One step, by providing the user modification entrance, the modification demand of user can be met.Further,
By setting plurality of classes, the fund that each classification recommends respective classes respectively can be corresponded to, is realized many
Sampleization is recommended.Further, can by showing that the fund of active user and other users match situation
Compared with facilitating user to check.
It should be noted that in the description of the present application, term " first ", " second " etc. are only used for retouching
Purpose is stated, and it is not intended that indicating or implying relative importance.In addition, in the description of the present application, removing
Non- to be otherwise noted, the implication of " multiple " refers at least two.
Any process described otherwise above or method description are construed as in flow chart or herein, table
Show including it is one or more be used for realize specific logical function or process the step of executable instruction generation
Module, fragment or the part of code, and the scope of the preferred embodiment of the application includes other realization,
Wherein can not by order that is shown or discussing, including according to involved function by it is basic and meanwhile in the way of
Or in the opposite order, carrying out perform function, this should be by embodiments herein those of skill in the art
Member is understood.
It should be appreciated that each several part of the application can be realized with hardware, software, firmware or combinations thereof.
In the above-described embodiment, multiple steps or method can in memory and by suitable instruction be held with storage
The software or firmware that row system is performed are realized.If for example, realized with hardware, and in another embodiment party
It is the same in formula, it can be realized with any one of following technology well known in the art or their combination:Have
For the discrete logic for the logic gates that logic function is realized to data-signal, with suitable combination
The application specific integrated circuit of logic gates, programmable gate array (PGA), field programmable gate array (FPGA)
Deng.
Those skilled in the art be appreciated that to realize the whole that above-described embodiment method carries or
Part steps can be by program to instruct the hardware of correlation to complete, and described program can be stored in one kind
In computer-readable recording medium, the program upon execution, including one of the step of embodiment of the method or its group
Close.
In addition, each functional unit in the application each embodiment can be integrated in a processing module,
Can also be that unit is individually physically present, can also two or more units be integrated in a module
In.Above-mentioned integrated module can both be realized in the form of hardware, it would however also be possible to employ software function module
Form is realized.If the integrated module is realized using in the form of software function module and is used as independent product
Sale in use, can also be stored in a computer read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ",
The description of " specific example " or " some examples " etc. means to combine that the embodiment or example describe is specific
Feature, structure, material or feature are contained at least one embodiment of the application or example.In this theory
In bright book, identical embodiment or example are not necessarily referring to the schematic representation of above-mentioned term.Moreover,
Specific features, structure, material or the feature of description can be in any one or more embodiments or examples
In combine in an appropriate manner.
Although embodiments herein has been shown and described above, it is to be understood that above-described embodiment
It is exemplary, it is impossible to be interpreted as the limitation to the application, one of ordinary skill in the art is the application's
In the range of above-described embodiment can be changed, change, replace and modification.