CN107437180A - A kind of regulation and control method and device of consumer budget - Google Patents
A kind of regulation and control method and device of consumer budget Download PDFInfo
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- CN107437180A CN107437180A CN201710709095.8A CN201710709095A CN107437180A CN 107437180 A CN107437180 A CN 107437180A CN 201710709095 A CN201710709095 A CN 201710709095A CN 107437180 A CN107437180 A CN 107437180A
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- 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
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Abstract
The application is related to a kind of regulation and control method and device of consumer budget, wherein, methods described includes：Receive and store the strategy of user's setting；The consumer record of user is obtained, the consumer record includes spending amount corresponding at least one consumption type and the consumption type；The effectiveness time corresponding to the consumption type is determined, and average daily occupancy volume corresponding to the consumption type is calculated based on the effectiveness time and the spending amount；Average daily occupancy volume corresponding to each consumption type in the consumer record is counted, and statistical result and the budget configuration standard of the user are contrasted；Wherein, the budget configuration standard includes average daily standard value corresponding to each consumption type；Based on comparing result, average daily standard value corresponding to each consumption type of budget configuration standard is adjusted.The technical scheme that the application provides, can effectively analyze the consumer behavior of user, so as to improve the precision of consumer budget regulation and control.
Description
Technical field
The application is related to technical field of data processing, the regulation and control method and device of more particularly to a kind of consumer budget.
Background technology
With the continuous quickening of rhythm of life, people are in order to effectively plan the expenditure of daily life, it will usually
Personal consumption is recorded.
Current existing personal bookkeeping methods, the mainly angle from absolute cash flow, statically reflect customer consumption shape
Condition.This method is that the consumer behavior to user of continuous-flow type carries out the amount of money and the record of classification, simple to remind user current
The condition of consumption.But in fact, when user carries out current consumption, should not only have the amount of money one to consider dimension.Such as user's purchase
Enter a lot item, from absolute value, belong to wholesale consumption, but the article can be used for a long time, come from this angle
See, this consumption can not can be regarded as wholesale consumption again；And though some spending amounts are small, but if it is interim or sudden single to belong to
Consumption, may be included into wholesale consumption on the contrary.So it is single from absolute cash flow angle, it can not judge which consumption is more closed
Which kind of materially affect is reason, can produce to customer consumption situation.Therefore, a more preferable method is needed currently exist for, to record and weigh
The each consumer behavior essence of user is measured with influenceing.
The content of the invention
The purpose of the application is the regulation and control method and device for providing a kind of consumer budget, can effectively analyze user's
Consumer behavior, so as to improve the precision of consumer budget regulation and control.
To achieve the above object, the application provides a kind of regulation and control method of consumer budget, and methods described includes：Receive and deposit
The strategy that user is set is stored up, the strategy includes at least one of surplus processing or substitution principle；Obtain the consumption of user
Record, the consumer record include spending amount corresponding at least one consumption type and the consumption type；Determine institute
The effectiveness time corresponding to consumption type is stated, and the consumption type is calculated based on the effectiveness time and the spending amount and corresponded to
Average daily occupancy volume；Count average daily occupancy volume corresponding to each consumption type in the consumer record, and by statistical result and institute
The budget configuration standard for stating user is contrasted；Wherein, the budget configuration standard includes day corresponding to each consumption type
Equal standard value；Based on comparing result, average daily standard value corresponding to each consumption type in the budget configuration standard is adjusted
It is whole.
Further, it is determined that the effectiveness time includes corresponding to the consumption type：Institute at the appointed time occurs in section for statistics
State the number of consumption type, and using specified time section effectiveness corresponding as the consumption type with the ratio of the number
Time.
Further, calculated based on the effectiveness time and the spending amount and daily taken corresponding to the consumption type
Volume includes：By the spending amount and the ratio of the effectiveness time, volume is taken as average daily corresponding to the consumption type.
Further, in the budget configuration standard of the user average daily standard value corresponding to each consumption type according to following
Mode determines：Obtain the average daily total budget amount of user and the weighted value set by for each consumption type；Will be described average daily
Average daily standard value of the product of total budget amount and weighted value as the corresponding consumption type of the weighted value.
Further, the weighted value set by the consumption type determines in the following manner：User is obtained when specified
History consumer record in section, and count the spending amount of each consumption type in the history consumer record；By consumption type
Spending amount and the history consumer record in weighted value of the ratio as the consumption type between total amount.
Further, the consumption type is also associated with consumption attribute；The consumption attribute includes substituting attribute or folded
Additive attribute；Wherein, the attribute that substitutes is used to characterize when the consumer behavior next time of the consumption type occurs, preceding once to disappear
The effectiveness time stops immediately corresponding to expense behavior；The superposition attribute is used to characterize the consumption row next time when the consumption type
During to occur, effectiveness time duration corresponding to a preceding consumer behavior.
Further, the statistical result includes daily taking total value and each consumption corresponding to the consumer record
Volume is daily taken corresponding to type；Correspondingly, to average daily standard value corresponding to each consumption type in the budget configuration standard
Be adjusted including：When the average daily occupancy total value is less than the average daily standard total value in the budget configuration standard, to each
Weighted value is adjusted corresponding to consumption type, to cause after carrying out budget allocation according to the weighted value after adjustment, consumption type
The corresponding average daily volume that takes is not more than average daily standard value corresponding to consumption type.
Further, methods described also includes：When upper phase spending limit has surplus, the surplus is transferred to next
In phase spending limit or keep next phase spending limit constant, be not transferred to the surplus.
Further, methods described also includes：When the repeatability consumption of the similar consumer goods occurs, by the similar consumption
The last remaining sum of not spreading out of product takes alternative strategy to be amortized；Or the remaining sum of not spreading out of last time is not amortized, and adopt
Take superposition strategy.
To achieve the above object, the application also provides a kind of regulation device of consumer budget, and described device includes：Basic plan
Slightly dispensing unit, for receiving and storing the strategy of user's setting, the strategy is included in surplus processing or substitution principle
It is at least one；Consumer record acquiring unit, for obtaining the consumer record of user, the consumer record includes at least one and disappeared
Take spending amount corresponding to type and the consumption type；It is average daily to take volume computing unit, for determining the consumption type
The corresponding effectiveness time, and calculated based on the effectiveness time and the spending amount and daily taken corresponding to the consumption type
Volume；Comparison unit, for counting average daily occupancy volume corresponding to each consumption type in the consumer record, and by statistical result with
The budget configuration standard of the user is contrasted；Wherein, the budget configuration standard is included corresponding to each consumption type
Average daily standard value；Adjustment unit, for based on comparing result, to day corresponding to each consumption type in the budget configuration standard
Equal standard value is adjusted.
Therefore by introducing the average daily concept for taking volume, each consumption can be divided equally to the effectiveness of the consumption
In time, so as to accurately know each consumption actual value shared daily.For example, 4000 yuan of purchases of user effort
The computer of 2 years can be used by having bought, then the computer in the actual value taken daily only less than 6 yuan, although what is spent disappears
It is higher to take total value, but is actually to belong to small amount consumption.So, can more clearly from judge one by daily taking volume to disappear
Expense belongs to wholesale consumption or small amount consumption.After analyzing the consumer record of user, it may be determined that each consumption
Volume is daily taken corresponding to type.The average daily occupancy volume and average daily standard value set in advance are contrasted, so as to know
Know the real consumption status of user, and then the control accuracy of consumer budget can be improved.
Brief description of the drawings
Fig. 1 is the regulation and control method flow diagram of consumer budget in the application；
Fig. 2 is that overview schematic diagram is consumed in the application；
Fig. 3 is the average daily consumption status figure of each side in the application；
Fig. 4 is the propensity to consume figure in the application；
Fig. 5 is the functional block diagram of the regulation device of consumer budget in the application.
Embodiment
In order that those skilled in the art more fully understand the technical scheme in the application, it is real below in conjunction with the application
The accompanying drawing in mode is applied, the technical scheme in the application embodiment is clearly and completely described, it is clear that described
Embodiment is only a part of embodiment of the application, rather than whole embodiments.Based on the embodiment party in the application
Formula, all other embodiment that those of ordinary skill in the art are obtained under the premise of creative work is not made, all should
When the scope for belonging to the application protection.
Referring to Fig. 1, the application provides a kind of regulation and control method of consumer budget, methods described includes：
S1：Receive and store the strategy of user's setting, the strategy is included in surplus processing or substitution principle at least
It is a kind of；
S2：The consumer record of user is obtained, the consumer record includes at least one consumption type and described consumption
Spending amount corresponding to type；
S3：The effectiveness time corresponding to the consumption type is determined, and is based on the effectiveness time and the spending amount meter
Calculate average daily occupancy volume corresponding to the consumption type；
S4：Count average daily occupancy volume corresponding to each consumption type in the consumer record, and by statistical result with it is described
The budget configuration standard of user is contrasted；Wherein, the budget configuration standard includes average daily corresponding to each consumption type
Standard value；
S5：Based on comparing result, average daily standard value corresponding to each consumption type in the budget configuration standard is carried out
Adjustment.
In the present embodiment, the consumption type can be according to the setting of user, including each side such as clothing, food, lodging and transportion -- basic necessities of life
The consumption type in face.Consumption can be divided to corresponding consumer by user whenever carrying out one-time-consumption according to the content of consumption
Under type.
In the present embodiment, determine that the effectiveness time includes corresponding to the consumption type：
The number of the consumption type at the appointed time occurs in section for statistics, and by the specified time section and the number
Ratio as the effectiveness time corresponding to the consumption type.
For example, user can count the number being had a dinner party in 1 month, it is assumed that amount in 1 month and had a dinner party 3 times, then every
The secondary effectiveness time having a dinner party could be arranged to 10 days.In addition, the effectiveness time can also be user's setting themselves.For example,
User have purchased Mobile phone, and user's plan, can be using by the 2 years effectiveness time as the mobile phone using the mobile phone 2 years.
In the present embodiment, day corresponding to the consumption type is calculated based on the effectiveness time and the spending amount
Taking volume includes：By the spending amount and the ratio of the effectiveness time, daily accounted for as corresponding to the consumption type
Use volume.
For example, user, which buys dress, spends 100 yuan, the clothes plan uses 20 days, then the average daily of the clothes accounts for
Just it is 5 yuan with volume.
In the present embodiment, average daily standard value is pressed corresponding to each consumption type in the budget configuration standard of the user
Determined according in the following manner：Obtain the average daily total budget amount of user and the weighted value set by for each consumption type；By institute
State the average daily standard value of the product of average daily total budget amount and weighted value as the corresponding consumption type of the weighted value.
For example, user in budget, can be directed to weighted value corresponding to four consumption types settings of clothing, food, lodging and transportion -- basic necessities of life.Wherein,
Clothing is 0.2, eats as 0.5, is firmly 0.2, behavior 0.1, then assuming that the average daily total budget amount that user is set is 300 yuan, then clothing
It is just 60 yuan, 150 yuan, 60 yuan and 30 yuan to eat average daily standard value corresponding to row difference.
In the present embodiment, the weighted value set by the consumption type determines in the following manner：
History consumer record of the user in set period is obtained, and counts each consumer in the history consumer record
The spending amount of type；
Using the ratio between total amount in the spending amount of consumption type and the history consumer record as the consumption
The weighted value of type.
Specifically, the history consumer record can be that the net purchase of user records, or user is remembered by the mode of keeping accounts
The consumer record of record.In the history consumer record, spending amount corresponding to each consumption type can be included.Some is consumer
Spending amount is more corresponding to type, shows that user more tends to spend fund in the consumption type.So, the consumption type pair
The weighted value answered is just bigger.For example, total amount is 20,000 yuan in history consumer record, wherein consumed corresponding to clothing, food, lodging and transportion -- basic necessities of life respectively
The amount of money is 2000 yuan, 10,000 yuan, 7000 yuan and 1000 yuan, then weighted value corresponding to clothing, food, lodging and transportion -- basic necessities of life respectively can be with respectively
0.1st, 0.5,0.35 and 0.05.
In the present embodiment, the consumption type is also associated with consumption attribute；The consumption attribute, which includes substituting, to be belonged to
Property or superposition attribute；Wherein, the attribute that substitutes is used to characterize when the consumer behavior next time of the consumption type occurs, preceding
The effectiveness time stops immediately corresponding to one-time-consumption behavior.For example, user after it have purchased Mobile phone, have purchased again
Mobile phone, the mobile phone bought before are passed into disuse.So, the behavior for buying mobile phone again can be to possess replacement attribute.Institute
State superposition attribute to be used to characterize when the consumer behavior next time of the consumption type occurs, imitated corresponding to a preceding consumer behavior
Use time duration.For example, user after it have purchased dress, have purchased another dress again, this two pieces clothes all continues
Use.So, the behavior for buying clothes again can be to possess superposition attribute.
In the present embodiment, the statistical result includes corresponding to the consumer record daily taking total value and each
Volume is daily taken corresponding to individual consumption type；Correspondingly, to average daily corresponding to each consumption type in the budget configuration standard
Standard value be adjusted including：
When the average daily occupancy total value is less than the average daily standard total value in the budget configuration standard, to each consumer
Weighted value is adjusted corresponding to type, to cause after carrying out budget allocation according to the weighted value after adjustment, corresponding to consumption type
The average daily volume that takes is not more than average daily standard value corresponding to consumption type.
For example, user after analyzing statistical result, it is found that the average daily of " clothing ,food and housing " these three consumption types accounts for
Average daily standard value is respectively less than with volume, and the average daily occupancy volume of " OK " this consumption type is more than average daily standard value.So, user
The weighted value of " OK " can be properly increased, and reduces the weighted value of " clothing ,food and housing ", so that consumer budget can reasonably divide
Cloth.
In a practical application scene, the present invention can be difficult to directly by introducing the concepts such as average daily occupancy volume original
The substance and intension for connecing all kinds of consumer behaviors compared carries out unification, and passes through the ginsengs such as effectiveness time, consumption attribute, consumption weight
Number setting, can be quantified and contrasted from multiple dimensions to consumer consumption behavior, so that user really can go to consumption
To carry out self-management.
Being specifically defined and acting on for relevant major parameter index is as follows：
The effectiveness time：Referring to a certain effectiveness time consumed and can be generated to user, most of consume can be divided into two classes, and one
Class, which belongs to, once to be bought, long-term available, such as buy clothes, articles for use, training course, mass transit card, build body card, haircut blocks, rent,
This kind of consumption effectiveness time is exactly the up time of purchased product；Another kind of is to consume in due order, and the frequency occurs, and such as has a dinner party, sees
Film, call a taxi, housing loan, buy books, although such consumption singly sees it is one-time consumption, typically can all occur by certain frequency,
And frequency interval can be regarded as the effectiveness time of its single；For the effectiveness time, have plenty of fixed, such as training course, build
Body card, rent, housing loan etc., have plenty of and do not fix, such as purchase clothes, mass transit card, get a haircut and block, see a film, having a dinner party.
Consumption attribute refers to the self attributes of a certain consumer behavior, for example some consumption are disposable, sudden, Duo Getong
Without positive connection between class consumption, such as have a dinner party, see a film, this kind of consumer need controls from the frequency；And some consumer behaviors
It is to possess alternative, the effectiveness of once similar consumption before the generation consumed before latter will influence, for example purchases mobile phone, computer
Deng, when newly having purchased mobile phone, then it is previous consumption effectiveness will lose immediately, this kind of consumption should be from the control of effective time
System；And some consumer behaviors are cumulative formulas, clothes, footgear are such as purchased, although one-time-consumption will not be complete after this kind of consumption
Previous consumption is influenceed, but has synergistic effect, it is necessary to be controlled from total amount；So different consumer behaviors has different category
Property feature, is also required to treat with a certain discrimination when being controlled.
Consumption weight refers to the importance degree of a certain consumer behavior for a user, also is understood as consuming weight；
Some consumption are required, such as daily dinner cost, rent, housing loan, mass transit card, haircut etc.；Some consumption be then it is adjustable, than
Such as have a dinner party, train, build body, see a film, calling a taxi；And different users may not for these degree of valuing consumed
Together, in addition to a small number of necessitys, for most of adjustable part, which is important, and which is inessential, and different people has difference
Preference, someone likes eating, someone focuses on building body, someone likes lively, someone to value study etc., and difference preference cause it is all kinds of
Being consumed in weight shared in personal overall consumption also can be different, and all kinds of consumption weights are carried out with the process of dynamic regulation,
It is the process for helping user's more reasonable consumption.
Furthermore, it is possible to consumption status are shown by bar graph.Specifically, Fig. 2 is mainly used in representing disappearing for a certain time point
Take overview, wherein same day consumption overview refers to that same day spending limit takes ratio, when history consumption overview is then one section of current history
Interior overall consumption amount takes ratio.Fig. 3 is mainly the sub-category amount of consumption accounting in same day time point, and user can be allowed to carry out class
Other weight adjustment.Fig. 4 mainly presses current consumption situation, the change superpotential of spending limit accounting in following one period, wherein
Grey column length is short illustrate following one period can spending limit change, user can be helped to arrange consumption plan.
In this application, it is as follows about each derivation index calculated relationship related to average daily consumption：
The amount of consumption=(daily consuming total value × consumption category weight)-same day history occupancy volume-same day it can daily consume and accounted for
Use volume；
Wherein：Average daily consumption total value=period consumption total value/bucket days
Total value/period consumption total value is consumed during consuming category weight=consumption category
Same day history takes volume：By being analysed item by item to same consumption category historical record, it is determined that to same day time point
Untill the effectiveness time whether expire, it is such as not yet due, then calculate and be included in same day history after remaining average daily occupancy volume and take volume；As
Expire, be then no longer included in same day history and take volume.
Same day consumption occupancy volume=amount of consumption ÷ effectiveness times
Pass through the setting and adjustment of the parameters index to being related in above-mentioned formula, so that it may to the different dimensional of consumer behavior
Degree is precisely adjusted.
Below from following several respects for example, being how by being adjusted to above-mentioned parameter, to influence and control unit
Divide consumer behavior：
The strategy of adjustment consumption difference preference；Everyone has everyone preference, and someone likes eating, someone likes wearing, had
People likes playing, so should have the consumption major class amount proportional arrangement in the case of a difference difference preference in the starting stage, and
Can be more preferable to help user's reasonable distribution consumption classification by the adjustment to this proportional arrangement, reach the purpose of reasonable consumption,
It can be completed for the strategy by adjusting consumption category weight parameter
Consume the strategy of surplus different disposal；Normally due to the non-evenness of consumption, typically after a period of time, can produce
Certain consumption surplus, and it is different based on user's initial purpose, may be different for surplus processing mode.For example some people wish
By control, next part money can be saved；And as long as some users may reach the purpose of consumption total value control, having no saving needs
Ask；So for the processing of surplus, can at least there is two ways, one kind is that surplus is transferred to later stage spending limit, i.e., logical
Spending limit before and after moving is crossed, in the case where total value controls, is more bonded real consumption situation；Another way is then not to knot
Remaining to be carried down, later stage amount is constant, the surplus that this last end of term can be certain under introspection.It can pass through regulation for the strategy
Period consumption total value (consumption total value during whether balance being added) parameter is completed.
To repeating consumer goods attitude strategy；Consumed for partial repeatability, such as purchase durable goods, periodicity is had a dinner party, is traveled
Deng such repeatability consumption, each one attitude may be different；As someone values quality, otherwise do not buy, buy just buy it is good,
That general single amount of consumption will be higher, but general effective time is longer；And what also someone may value is exactly consumer behavior sheet
Body, it is desirable to increase consumption number of times, the amount of consumption of that single is just than relatively low；Different consumption habits, it should there is different configuration strategies,
For the first, when similar repeatability consumption occurs, remaining sum can not be spread out in last similar consumption and quickly amortize, take
Alternative strategy, can be this consumption slot milling；And for the second class people, then old amount is not influenceed, takes superposition strategy,
User's control number and total value can so be helped；For the strategy can by adjust each consumable item expiration time (whether plus
Fast expiration time), take the completion of volume parameter to adjust the history consumption same day
To the processing strategy of excess consumption；Consumed when certain class and daily taken volume completely, but still during necessary consumption, can have more
Kind adjustable strategies：Deficiency such as can be supplemented by reducing other category amount of consumptions more than needed；Full amount can also directly be increased, carried
Such high amount；Average daily the methods of taking volume can also be reduced by elongating the effectiveness time of such consumer goods to adjust out
Spending limit.The strategy can be completed by adjusting the parameters such as consumption category weight, period consumption total value, effectiveness time.
Referring to Fig. 5, the application also provides a kind of regulation device of consumer budget, described device includes：
Basic scheme dispensing unit 100, for receiving and storing the strategy of user's setting, the strategy includes surplus and handled
Or at least one of substitution principle；
Consumer record acquiring unit 200, for obtaining the consumer record of user, the consumer record includes at least one
Spending amount corresponding to consumption type and the consumption type；
It is average daily to take volume computing unit 300, for determining the effectiveness time corresponding to the consumption type, and it is based on the effect
Average daily occupancy volume corresponding to the consumption type is calculated with time and the spending amount；
Comparison unit 400, for counting average daily occupancy volume corresponding to each consumption type in the consumer record, and will system
Meter result and the budget configuration standard of the user are contrasted；Wherein, the budget configuration standard includes each consumer
Average daily standard value corresponding to type；
Adjustment unit 500, for based on comparing result, to day corresponding to each consumption type in the budget configuration standard
Equal standard value is adjusted.
In the present embodiment, the average daily volume computing unit that takes includes：
Effectiveness time determining module, the number of the consumption type at the appointed time occurs in section for counting, and by institute
The ratio of specified time section and the number is stated as the consumption type corresponding effectiveness time.
In the present embodiment, the average daily volume computing unit that takes also includes：
Computing module, it is corresponding as the consumption type for by the ratio of the spending amount and the effectiveness time
Average daily occupancy volume.
Therefore by introducing the average daily concept for taking volume, each consumption can be divided equally to the effectiveness of the consumption
In time, so as to accurately know each consumption actual value shared daily.For example, 4000 yuan of purchases of user effort
The computer of 2 years can be used by having bought, then the computer in the actual value taken daily only less than 6 yuan, although what is spent disappears
It is higher to take total value, but is actually to belong to small amount consumption.So, can more clearly from judge one by daily taking volume to disappear
Expense belongs to wholesale consumption or small amount consumption.After analyzing the consumer record of user, it may be determined that each consumption
Volume is daily taken corresponding to type.The average daily occupancy volume and average daily standard value set in advance are contrasted, so as to know
Know the real consumption status of user, and then the control accuracy of consumer budget can be improved.
The description to the various embodiments of the application is supplied to those skilled in the art with the purpose described above.It is not
Be intended to exhaustion or it is not intended to and limits the invention to single disclosed embodiment.As described above, the application's is various
Substitute and change will be apparent for above-mentioned technology one of ordinary skill in the art.Therefore, although specifically begging for
Some alternative embodiments have been discussed, but other embodiment will be apparent, or those skilled in the art are relative
Easily draw.The application is intended to be included in this all replacement of the invention discussed, modification and change, and falls
Other embodiment in the spirit and scope of above-mentioned application.
Claims (10)
1. a kind of regulation and control method of consumer budget, it is characterised in that methods described includes：
Receive and store the strategy of user's setting, the strategy includes at least one of surplus processing or substitution principle；
The consumer record of user is obtained, the consumer record includes at least one consumption type and the consumption type is corresponding
Spending amount；
The effectiveness time corresponding to the consumption type is determined, and is based on disappearing described in the effectiveness time and spending amount calculating
Take and volume is daily taken corresponding to type；
Count average daily occupancy volume corresponding to each consumption type in the consumer record, and by the pre- of statistical result and the user
Configuration standard is calculated to be contrasted；Wherein, the budget configuration standard includes average daily standard value corresponding to each consumption type；
Based on comparing result, average daily standard value corresponding to each consumption type in the budget configuration standard is adjusted.
2. according to the method for claim 1, it is characterised in that determine that the effectiveness time includes corresponding to the consumption type：
The number of the consumption type at the appointed time occurs in section for statistics, and by the specified time section and the ratio of the number
Value is as the effectiveness time corresponding to the consumption type.
3. method according to claim 1 or 2, it is characterised in that based on the effectiveness time and the spending amount meter
Calculating average daily occupancy volume corresponding to the consumption type includes：
By the spending amount and the ratio of the effectiveness time, volume is taken as average daily corresponding to the consumption type.
4. according to the method for claim 1, it is characterised in that each consumption type in the budget configuration standard of the user
Corresponding average daily standard value determines in such a way：
Obtain the average daily total budget amount of user and the weighted value set by for each consumption type；
Using the average daily standard value of average daily total budget amount consumption type corresponding as the weighted value with the product of weighted value.
5. according to the method for claim 4, it is characterised in that the weighted value set by the consumption type is according to following sides
Formula determines：
History consumer record of the user in set period is obtained, and counts each consumption type in the history consumer record
Spending amount；
Using the ratio between total amount in the spending amount of consumption type and the history consumer record as the consumption type
Weighted value.
6. according to the method for claim 1, it is characterised in that the consumption type is also associated with consumption attribute；It is described
Consuming attribute includes substituting attribute or superposition attribute；Wherein, the attribute that substitutes works as the next of the consumption type for characterizing
When secondary consumer behavior occurs, the effectiveness time corresponding to a preceding consumer behavior stops immediately；The superposition attribute, which is used to characterize, works as
When the consumer behavior next time of the consumption type occurs, effectiveness time duration corresponding to a preceding consumer behavior.
7. according to the method for claim 1, it is characterised in that the statistical result is included corresponding to the consumer record
It is average daily to take average daily occupancy volume corresponding to total value and each consumption type；
Correspondingly, average daily standard value corresponding to each consumption type in the budget configuration standard is adjusted including：
When the average daily occupancy total value is less than the average daily standard total value in the budget configuration standard, to each consumption type pair
The weighted value answered is adjusted, average daily corresponding to consumption type to cause after carrying out budget allocation according to the weighted value after adjustment
Occupancy volume is not more than average daily standard value corresponding to consumption type.
8. according to the method for claim 1, it is characterised in that methods described also includes：
When upper phase spending limit has surplus, the surplus is transferred in next phase spending limit or is kept for next phase disappear
It is constant to take amount, is not transferred to the surplus.
9. according to the method for claim 1, it is characterised in that methods described also includes：
When the repeatability consumption of the similar consumer goods occurs, the last remaining sum of not spreading out of the similar consumer goods is taken into replacement plan
Slightly amortized；Or the remaining sum of not spreading out of last time is not amortized, and take superposition strategy.
10. a kind of regulation device of consumer budget, it is characterised in that described device includes：
Basic scheme dispensing unit, for receiving and storing the strategy of user's setting, the strategy, which includes surplus, to be handled or replaces
For at least one of principle；
Consumer record acquiring unit, for obtaining the consumer record of user, it is consumer that the consumer record includes at least one
Spending amount corresponding to type and the consumption type；
It is average daily to take volume computing unit, for determining the effectiveness time corresponding to the consumption type, and it is based on the effectiveness time
Average daily occupancy volume corresponding to the consumption type is calculated with the spending amount；
Comparison unit, for counting average daily occupancy volume corresponding to each consumption type in the consumer record, and by statistical result
Contrasted with the budget configuration standard of the user；Wherein, it is corresponding to include each consumption type for the budget configuration standard
Average daily standard value；
Adjustment unit, for based on comparing result, to average daily standard corresponding to each consumption type in the budget configuration standard
Value is adjusted.
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| CN201710709095.8A CN107437180A (en) | 2017-08-17 | 2017-08-17 | A kind of regulation and control method and device of consumer budget |
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| CN201710709095.8A CN107437180A (en) | 2017-08-17 | 2017-08-17 | A kind of regulation and control method and device of consumer budget |
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| CN109325886A (en) * | 2018-09-25 | 2019-02-12 | 温州云计划科技有限公司 | A method of automatically generating decoration budget and goods matching |
| CN109447778A (en) * | 2018-11-13 | 2019-03-08 | 广州凌正信息科技有限公司 | A kind of intelligent accounting system based on mobile terminal |
| CN112561536A (en) * | 2020-12-22 | 2021-03-26 | 珠海格力电器股份有限公司 | Consumption reminding method, system, storage medium and electronic equipment |
| CN112734531A (en) * | 2021-01-15 | 2021-04-30 | 广州富港生活智能科技有限公司 | Article recommendation method and device, electronic equipment and storage medium |
| CN113935787A (en) * | 2021-12-15 | 2022-01-14 | 山东柏源技术有限公司 | Financial information management system based on association rule mining algorithm |
| CN115170253A (en) * | 2022-09-07 | 2022-10-11 | 国连科技(浙江)有限公司 | Method and device for pushing commodity information in sales promotion activities |
| CN116385013A (en) * | 2023-06-05 | 2023-07-04 | 广州宏途数字科技有限公司 | Data interaction method and interaction platform based on campus cloud consumption |
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| CN109325886A (en) * | 2018-09-25 | 2019-02-12 | 温州云计划科技有限公司 | A method of automatically generating decoration budget and goods matching |
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| CN116385013A (en) * | 2023-06-05 | 2023-07-04 | 广州宏途数字科技有限公司 | Data interaction method and interaction platform based on campus cloud consumption |
| CN116385013B (en) * | 2023-06-05 | 2023-08-01 | 广州宏途数字科技有限公司 | Data interaction method and interaction platform based on campus cloud consumption |
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Application publication date: 20171205 |