CN108921703A - Financing recommended method, device and electronic equipment - Google Patents
Financing recommended method, device and electronic equipment Download PDFInfo
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- CN108921703A CN108921703A CN201810614290.7A CN201810614290A CN108921703A CN 108921703 A CN108921703 A CN 108921703A CN 201810614290 A CN201810614290 A CN 201810614290A CN 108921703 A CN108921703 A CN 108921703A
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Abstract
The embodiment of the present application discloses a kind of financing recommended method, device and electronic equipment, this method：Obtain the current animation information of user；Based on the current animation information of the user, prediction animation of the user after the following predetermined point of time is determined；The funding gap expected between animation based on the prediction animation and user, recommends and the matched financing scheme of the funding gap for the user.
Description
Technical field
This application involves computer software technical field more particularly to a kind of financing recommended methods, device and electronic equipment.
Background technique
In China, traditional Aged mode is mainly still supported parents by social security retired pay.With the object stepped up
Matter living standard, such Aged mode may not be able to cover the following endowment personal consumption demand for most people,
It will form old-age pension notch.Old-age pension notch：Refer to that endowment insured fund receives the situation for not supporting branch, point three kinds of situations：First is that working as
The revenue and expenditure notch that phase (year) occurs；Second is that the revenue and expenditure notch that history leaves, i.e., so-called history bills due；Third is that the following revenue and expenditure notch,
The receipts that i.e. prediction is likely to occur after the several years do not support Zhi Xianxiang.
In the U.S., 401k retirement plan will play greater role in the revenue source after old man's retirement, and employee can foundation
The certain proportion of income is monthly put into the works, in mature capital market nest egg gold by the household economy situation of oneself
Long-term investment provides under suitable market environment, and retirement lives can be allowed more secure.China is also required in traditional social security
It is optimized in retired pay endowment, releases target endowment type fund financial asset.
Summary of the invention
The purpose of the embodiment of the present application is to provide a kind of financing recommended method, device and electronic equipment, to be embodied as user
Suitable finance product is provided.
In order to solve the above technical problems, what the embodiment of the present application was realized in：
In a first aspect, proposing a kind of financing recommended method, this method includes：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, recommends and is somebody's turn to do for the user
The matched financing scheme of funding gap.
Second aspect, proposes a kind of financing recommendation apparatus, which includes：
Module is obtained, the current animation information of user is obtained；
Determining module determines the user after the following predetermined point of time based on the current animation information of the user
Predict animation；
Recommending module, the funding gap expected between animation based on the prediction animation and user, for the use
Recommend and the matched financing scheme of the funding gap at family.
The third aspect proposes a kind of electronic equipment, which includes：
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the place when executed
It manages device and executes following operation：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, recommends and is somebody's turn to do for the user
The matched financing scheme of funding gap.
Fourth aspect proposes a kind of computer readable storage medium, the computer-readable recording medium storage one
Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity
Sub- equipment executes following operation：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, recommends and is somebody's turn to do for the user
The matched financing scheme of funding gap.
As can be seen from the technical scheme provided by the above embodiments of the present application, the embodiment of the present application scheme at least has following one kind
Technical effect：
Determine that user is given birth in the prediction animation of future time point, and then based on the prediction by the status based on user
Funding gap between state living and the desired animation of user, recommends and the matched financing side of the funding gap for user
Case, so that user can obtain desired animation in future time point after using the financing scheme.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is one embodiment financing recommended method flow chart of the application.
Fig. 2 is the flow diagram that the artificial intelligence of one embodiment future life state of the application calculates.
Fig. 3 to Fig. 5 is the schematic diagram of a scenario that the artificial intelligence of one embodiment future life state of the application calculates.
Fig. 6 is the flow diagram of the intelligence computation of one embodiment endowment investment configuration of the application.
Fig. 7-Figure 10 is the application scenarios schematic diagram of the intelligence computation of one embodiment endowment investment configuration of the application.
Figure 11 is the structural schematic diagram of one embodiment electronic equipment of the application.
Figure 12 is the structural schematic diagram of one embodiment financing recommendation apparatus of the application.
Specific embodiment
The embodiment of the present application provides a kind of financing recommended method, device and electronic equipment.
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without creative efforts
Range.
Fig. 1 is one embodiment financing recommended method flow chart of the application.The method of Fig. 1 may include：
S110 obtains the current animation information of user.
It should be understood that in the embodiment of the present application, the current animation information of user, it may include the property revenue and expenditure of user is believed
Breath.Specifically, it may include the current property total value of user, income of the user in a predetermined period, user are default at one
Expenditure in period, etc..Predetermined period, for example, one month, a season or 1 year, etc., the embodiment of the present application is to this
With no restriction.
In the embodiment of the present application, property total value, revenue and expenditure information based on user can roughly estimate user following pre-
The prediction animation fixed time a little, the prediction animation can be simple by prediction property total value, prediction revenue and expenditure information etc.
It indicates.Certainly, animation information can be not limited by the representation method of above- mentioned information.
It should be understood that in order to more accurately estimate user in the prediction animation of the following predetermined point of time, in the application reality
It applies in example, the content more about the current animation information of user can also be provided.
For example, the current animation information of user may include the information for specifying interpersonal relationship object of user.Specifically,
It may include at least one of the information of spouse, the information of children, the information of parent, the information of spouse parent.These information, can
Including information such as age, income, expenditure, property total value, health status.These specify the age of interpersonal relationship object, income, branch
Out, property total value, health status etc. can all influence the quality of future life.For example, the income of spouse is supported, with family
Total income expenditure is closely related, and influences whether the future life quality of user certainly；The age of children determines children in difference
Spending for education that age bracket may need, spending on housing, etc.；Age, income, expenditure of parent etc. determine user not
Come the expenditure of period with parent, including life expenditure, medical expense, etc..
In another example the current animation information of user may include user before current time in the first predetermined amount of time
Health records.Specifically, for example, it may be user the first three years medical record information, medical expense or user at it
The medical record information of previous decade, medical expense etc..By the analysis to health records, it can predict that user's future needs at me
The expenditure medically spent.
In another example the current animation information of user may include user before current time in the second predetermined amount of time
Income record.Specifically, for example, it may be revenue and expenditure record, etc. of the user in 5 years.Revenue and expenditure record, such as, it may include
Income of wage, bonus, and life expenditure, medical expense, etc..
In another example the current animation information of user may include the occupational information of user.Specifically, occupational information can wrap
Include the occupational area, professional nature, etc. that user is engaged in.Based on the occupation that user is engaged in, the development in user's future can be estimated
Prospect, and then the income for combining user current, further estimate the income situation in user's future.For example, the engineering of the communications field
The different occupations such as teacher, the engineer of artificial intelligence field, teacher, the future growth of income will necessarily have apparent difference.
The professional nature of user, for example, civil servant, public institution worker, private enterprise worker etc..According to the existing retired political affairs in China
Plan, for the user of different occupation property, wage before retired pay and retirement, to pay relationship between social security radix be not
With.
In another example the animation information of user may also include the user job time limit.
In another example the animation information of user may also include the residence of user and/or social security pays ground；
Certainly, the animation information of user is not limited only to the above-mentioned one or more combinations enumerated, and can also include
Other information related with user's animation, the embodiment of the present application will not enumerate herein.
Optionally, in a specific embodiment, step S110 specifically can be achieved be：
Acquire the image of user；
The user identifier of the user is determined based on the image of the user；
Extract the corresponding animation information of the user identifier.
In the embodiment of the present application, the image of user can be acquired by image capture device, and then determine according to user images
User identity, to determine the corresponding animation information of user according to user identity.
It should be understood, of course, that can also obtain the animation information of user otherwise.For example, passing through acquisition fingerprint
Subscriber identity information is obtained, then obtains the animation information of user based on subscriber identity information；In another example by inputting user
Identity document acquisition of information user animation information, etc..It should be understood, of course, that the identity information based on user, may be used also
Live photo existing for user is obtained, using the benchmark image compared as animation.
S120 determines prediction of the user after the following predetermined point of time based on the current animation information of the user
Animation.
S130, the funding gap expected between animation based on the prediction animation and user, pushes away for the user
It recommends and the matched financing scheme of the funding gap.
It should be understood that financing scheme recommended to the user can be one or more in the embodiment of the present application, the application is implemented
Example to this with no restriction.
It should be understood that the financing mentioned in the embodiment of the present application, including but not limited to bond, stock, fund, foreign exchange, insurance,
At least one of noble metal, futures etc..
In the embodiment of the present application, by the status based on user determine user in the prediction animation of future time point,
And then based on the funding gap between the prediction animation and the desired animation of user, it is poor with the fund to recommend for user
The matched financing scheme of volume, so that user can be in future time after using the financing scheme (buying corresponding finance product)
Point obtains desired animation.
Optionally, as one embodiment, after step S120, this method may also include：The prediction is shown to user
The corresponding simulation photo of animation.
In the embodiment of the present application, by showing the life of the prediction to user after the future life state of prediction user
The corresponding simulation photo of state, so that the not up to expected desired this kind of user of prediction animation, further increases
The desire of strong purchase finance product, in the hope of preferable standard of living can be reached by financing.
Optionally, in the embodiment of the present application, which can be what user voluntarily can select or configure
After time point, such as 5 years, after 10 years, after 20 years, etc..
Alternatively, optionally, in the embodiment of the present application, which can also be that the relevant policies based on country are true
Fixed time point, for example, the future predetermined point of time can be user pensioner's time point.
Particularly, when the future predetermined point of time is user pensioner's time point, step S120 specifically can be achieved be：
At least one of endowment insurance relevant policies, the professional nature of the user based on the user location, and
The current animation information of the user, the prediction animation after determining user retirement.
It should be understood that in China, the endowment insurance policy of different provinces and cities is not quite similar, to the animation after user's retirement
When being predicted, the endowment insurance relevant policies in location should be paid in conjunction with the social security of user, (or be calculated using corresponding algorithm
Method parameter) it is predicted.For example, the endowment insurance Proportion of payment in Shanghai 2017：Unit 20%, individual 8%；It supports in Beijing 2017
Old insurance Proportion of payment：Unit 19%, individual 8%；The endowment insurance Proportion of payment in Xiamen 2017：Unit 14%, individual 8%,
Etc..
In addition, the difference of user's professional nature, also influences whether the future life quality of user.User's professional nature, can
Including civil servant, public institution permanent staff, public institution contracted worker, soldier, state-owned enterprise permanent staff, state-owned enterprise's contract
Work, private ownership employee (private enterprise, overseas-funded enterprise) etc..The difference of user's professional nature, influence whether retired pay number,
Medical insurance reimbursement ratio etc., and then influence the retirement lives state of user.Currently, the division of aforementioned user's professional nature
Only schematical, enumerating herein is only for reference.
Front only indicates Regional differences and the professional nature difference of national endowment insurance relevant policies, in practice,
It there may also be the multinomial retirements with user such as number or the medical insurance reimbursement ratio of the retired pay of other factors influence users
The relevant content of animation, this is no longer going to repeat them for the embodiment of the present application.
Further, in the present embodiment, the corresponding simulation photo of the prediction animation is shown to user, it specifically can be real
Now it is：
Based on the user images acquired, using the first predetermined time interval as refreshing frequency, with the second predetermined time interval
To show span, gradually show that current point in time is transitioned into the corresponding simulation photograph of prediction animation of the following predetermined point of time
Piece.
For example, the customer impact based on current camera shooting acquisition equipment acquisition, was refreshed every 0.5 second, is refreshed every time
Interval 5 years gradually shows prediction living photo of the user after 5 years, the prediction living photo ... after 10 years until following predetermined
The prediction living photo at time point (for example, after retirement).Certainly, the following predetermined point of time can also be further displayed (for example, retirement
The prediction living photo of N after afterwards).
It should be understood, of course, that some people are unwilling to expose individual privacy, it is undesirable to which the image of oneself uploads.At this point, can preset
The corresponding preview effect image of animation of several cartoon images or public figure as user.It is somebody's turn to do that is, being shown to user
Predict the corresponding simulation photo of animation, specifically can also be achieved for：
Based on preset character image, using the first predetermined time interval as refreshing frequency, it is with the second predetermined time interval
It shows span, gradually shows that current point in time is transitioned into the corresponding simulation photo of prediction animation of the following predetermined point of time.
Optionally, as one embodiment, after step s 130, this method may also include：
It shows to the user using prediction animation pair of the user after the following predetermined point of time after the financing scheme
The simulation photo answered.
In the embodiment of the present application, expected animation can be selected after showing financing scheme to user, or in user
Later, the simulation photo of expected animation is shown, to user further to enhance the desire to purchase of user.
Certainly, for there are the scenes of the financing scheme of multiple recommendations, since the financing scheme of recommendation may be in income
There are biggish differences can help to user's choosing by showing to user using corresponding expected animation after financing scheme
Select the finance product that purchase meets oneself requirement.
Optionally, in one embodiment, step S130, which can be realized, is：
In response to user to the selection operation for expecting animation, the funding gap is determined；
Recommend and the matched financing scheme of the funding gap for the user.
In the embodiment of the present application, the expectation animation in a variety of futures, and the phase based on user's selection can be shown to user
To animation, the funding gap between prediction animation and the expectation animation is determined, and then be based on funding gap
User recommends and the matched financing scheme of the funding gap.
It optionally, in one embodiment, is user recommendation and the matched financing scheme of the funding gap, it specifically can be real
Now it is：At least one of financing risk class, age of user, investment way based on user and the funding gap, really
Determining user monthly needs the financing amount of money of investment.
It should be understood that in the embodiment of the present application, investment way may include that investment proportion fixed investment way and investment are matched
Than adjustable investment way.
Alternatively, optionally, in another embodiment, for the user recommend with the matched financing scheme of the funding gap,
Specifically can be achieved be：At least one of financing risk class, age of user, investment way based on user and the money
Golden difference, determining finance product recommended to the user and user monthly needs investment to the amount of money of the finance product.
Specifically, at least one of the financing risk class based on user, age of user, investment way and described
Funding gap, determining finance product recommended to the user and user monthly needs investment to the amount of money of the finance product, such as can
To be embodied as：
Based on the funding gap and expected year earning rate, estimate that user monthly needs the amount of money of investment；
At least one of financing risk class, age of user, investment way based on user, the expected year income
Rate and the user monthly need the amount of money of investment, determine matched finance product.
Optionally, in another embodiment, step S130 can also be achieved for：
If the funding gap is less than or equal to zero, recommend to match with the property revenue and expenditure of the user for the user normal
Advise finance product.
It should be understood that the conventional finance product in the embodiment of the present application, refers to the reason unrelated with the prediction animation of user
Property product, the prediction animation information to the recommendation of the finance product independent of user.
In the following, in conjunction with specific embodiments, being further described to the scheme of the embodiment of the present application.
Fig. 2 is the flow diagram that the artificial intelligence of one embodiment future life state of the application calculates.Fig. 3 extremely schemes
5 be the schematic diagram of a scenario of the artificial intelligence calculating of one embodiment future life state of the application.In the following, in conjunction with Fig. 2 to figure
5, explanation is introduced to the artificial intelligence calculating of future life state.
As shown in Figure 2, it may include following steps：
Step 1：Recognition of face.
In the embodiment of the present application, it can acquire user image information by recognition of face and identify user identity.
It, can be by shown in the left hand view such as Fig. 3 in the application scenarios of the prediction future life state of the application
The page is guided, user in predicting future life state is guided；Then the page is prompted by taking pictures as shown in the right part of flg of Fig. 3, mentioned
Awake user takes pictures, and acquires image；The page is confirmed by taking pictures as shown in the left hand view of Fig. 4 again, so that user's confirmation is
The no image using acquisition, and then identify User Identity.
Step 2：Obtain authorized user message.
In the embodiment of the present application, it is based on User Identity, the corresponding authorized user message of User Identity can be obtained.
In conjunction with the application scenarios for the prediction future life state that step 2 is mentioned, determines using acquisition image and know in user
The corresponding authorized user message of the User Identity Chu not can be obtained based on User Identity after User Identity.
Step 3：Read information bank.
In the embodiment of the present application, information bank can store the related life status information of user.The related life shape of user
State information at least may include property revenue and expenditure information.Specifically, property revenue and expenditure information, it may include following one or more：
Property, such as cash in banks, stock, bond, futures and real estate etc.；
Income, such as wage, bonus, dividend, dividend, rent, etc.；
Expenditure, for example, life expenditure, medical expense, etc..
Optionally, the related life status information of user may also include following at least one：
The relevant information for specifying interpersonal relationship object of user, such as property revenue and expenditure information, the property receipts of parent of spouse
Branch information, the property revenue and expenditure information of spouse parent, property revenue and expenditure information of children, etc.；
Health records of the user before current time in the first predetermined amount of time；
Income record before current time in the second predetermined amount of time；
The user job time limit；
User residence and/or user's social security pay ground；
The occupational information of user.
It should be understood that avoid leakage individual privacy user can be extracted from information bank after obtaining authorized user message
The corresponding animation information of identity.
For example, in the scene shown in the right part of flg of Fig. 4, the user images based on acquisition can extract the relevant information of user
It is as follows：Monthly income：10000 yuan；Social security pays ground：Hangzhou；Length of service：2 years, etc..Certainly, user can also be to extracting
Animation information is adjusted.
In addition, the monthly consumption of user, can also extract, or be manually entered by user from information bank.
The expectation retirement age of user can be default value, or voluntarily be adjusted by user.
Step 4：Age increases intelligence computation.
It, can be automatic to calculate (prediction) based on the growth of age of user after obtaining the current animation information of user
The animation information of the following any point-in-time.
The future life status information of prediction, it may include the cosmetic variation and/or animation of user changes.
By taking scene shown in fig. 5 as an example, the cosmetic variation of user：Hair color becomes the year two thousand thirty from black in 2018
White；The animation of user changes：Monthly income is become 12000 yuan of the year two thousand thirty from 10000 yuan in 2018, moon consumption by
7000 in 2018 become 8000 yuan of 2030 first year, etc..
It should be understood, of course, that above-mentioned Fig. 2-flow chart shown in fig. 5 and application scenario diagram are only schematical, specific
Application in, in combination with actual scene need, in embodiment illustrated in fig. 2 step carry out it is appropriate increase, delete or adjustment,
Additions and deletions choice is carried out to the animation information parameter in application scenarios shown in Fig. 3-Fig. 5, the embodiment of the present application is not tight to this
Lattice limitation.
Fig. 6 is the flow diagram of the intelligence computation of one embodiment endowment investment configuration of the application.Fig. 7-Figure 10 is
The application scenarios schematic diagram of the intelligence computation of one embodiment endowment investment configuration of the application.It is right below with reference to Fig. 6-Figure 10
The intelligence computation process of endowment investment configuration is illustrated introduction.
Step 1：Recognition of face.
Step 2：Obtain authorized user message.
Step 3：Read information bank.
The specific implementation of step 1-3 can refer to the step 1-3 in embodiment illustrated in fig. 2 in the embodiment of the present application, herein not
It repeats again.
Step 4：Prediction endowment animation.
The user's animation information obtained based on 3 steps in front, it is contemplated that user's endowment animation, specific implementation
It can refer to the method that user's future life state is predicted in embodiment illustrated in fig. 2, details are not described herein for the embodiment of the present application.
Step 5：Financing gap calculates.
The desired endowment animation of endowment animation information and user based on prediction, can be calculated use
The financing gap information (i.e. the application embodiment illustrated in fig. 1 mention funding gap) at family.
For example, in the endowment animation that user expects, it is desirable to can monthly there be 10000 yuan of income, and that predicts supports
Old animation monthly only has 3000 yuan of income, then there is financing gap, and financing gap is monthly 7000 yuan；If prediction
Endowment animation monthly has 13000 yuan of income, then financing gap is not present.
Step 6：Endowment investment configuration.
Based on financing gap information, different endowments can be recommended to invest allocation plan to user.
In the embodiment of the present application, it can be based on artificial intelligence model, by the relevant parameter of the animation information of user, in advance
The desired one or more of survey user is supported parents, and animation is corresponding to dominate retired pay.
Fig. 7 is that there are the schematic diagram of a scenario of financing gap for one embodiment retirement plan of the application.Such as the left hand view of Fig. 7
Shown, the old-age pension that predictable country provides is approximately equivalent to 3000 present yuan/month.Retirement can be dominated by being assumed to be user and providing
Gold is 8000 yuan/month, 10000 yuan/month and the different expectation retirement lives of three kinds of 12000 yuan/month, then its corresponding financing gap
Respectively 5000 yuan/month, 7000 yuan/month and 9000 yuan/month.
Fig. 8 is that the schematic diagram of a scenario of financing gap is not present in one embodiment retirement plan of the application.Such as the left side of Fig. 8
Shown in figure, the old-age pension that predictable country provides is approximately equivalent to 8000 present yuan/month.It is assumed to be user and provides to dominate and moves back
Not golden three kinds of different expectation retirement lives for 8000 yuan/month, 10000 yuan/month and 12000 yuan/month, when user's selection can prop up
When with the expectation retirement lives that retired pay is 8000 yuan/month, financing gap is not present in the retirement plan of user.User can be based on certainly
Oneself wish determines whether to continue nest egg investment.
Step 7：Invest feedback data.
Based on the financing gap, financing scheme can be recommended to user, and show the corresponding following expectation income of financing scheme.
As shown in the right part of flg of Fig. 7 or the right part of flg of Fig. 8, it is assumed that user monthly puts into 810 yuan before 65 years old, and assumes time income
Rate is 8%, then can accumulate about 1,000,000 by 65 years old.If monthly getting to 85 years old, it can use 5000 yuan/month.User can voluntarily adjust reason
The earning rate of the financing amount of money and finance product monthly invested in wealth scheme, and then estimate the financing income after retirement.
Based on investment feedback data, user can be appreciated that the corresponding situation of Profit of the financing amount of money monthly invested.It is provided existing
In the scene of golden notch, user can determine whether the financing amount of money can cover financing gap based on situation of Profit.
The financing amount of money invested in the scene shown in the right part of flg of Fig. 7, the right part of flg of Fig. 8 based on user and expected
Yearization earning rate can show matched finance product to user.
It should be understood, of course, that also needing risk class and/or age of user based on user when buying finance product, determine
With the matched finance product of user.
Fig. 9 is the matched schematic diagram of a scenario of one embodiment finance product of the application.The scene shown in Fig. 9 left hand view
In, risk match pattern or age-matched mode may be selected；In the scene shown in Fig. 9 right part of flg, mode standard (investment may be selected
Proportion is fixed) or allotment mode (investment proportion is adjusted with the age).
Selection based on user can show matched finance product, such as matching, the risk etc. of financing earning rate to user
The matching of grade, the matching of age of user, the matching of investment way, etc..It should be understood, of course, that once one can be recommended to user
A or multiple finance products.In addition, as shown in figure 9, the finance product recommended is interchangeable.
Step 8：Model parameter supplement.
Furthermore, it is to be understood that can also be mended to the correlation model parameters of the embodiment of the present application based on investment feedback data
Fill training.
By the selection according to high-volume user to retirement plan, it is dynamically adapted the relevant parameter of artificial intelligence, for example,
It adjusts the characteristic parameter for dominating retired pay shown to user, adjust to characteristic parameter of user's recommendation finance product, etc..
Step 9：Open endowment financing plan.
After determining finance product, financing plan can be opened.
As shown in Figure 10 left hand view, financing expenditure and date of disbursement monthly can be prompted the user with.
As shown in Figure 10 right part of flg, the situation of Profit currently managed money matters can be prompted the user with.
So far, the intelligence computation process of the endowment investment configuration of the embodiment of the present application is completed.
It should be understood, of course, that the prediction of Fig. 2, embodiment illustrated in fig. 6, calculation process, those skilled in the art is in combination with this
The algorithm idea of application is predicted that the embodiment of the present application is no longer discussed in detail herein by artificial intelligence model etc..
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
Figure 11 is the structural schematic diagram of one embodiment electronic equipment of the application.Figure 11 is please referred to, it, should in hardware view
Electronic equipment includes processor, optionally further comprising internal bus, network interface, memory.Wherein, memory may be comprising interior
It deposits, such as high-speed random access memory (Random-Access Memory, RAM), it is also possible to further include non-volatile memories
Device (non-volatile memory), for example, at least 1 magnetic disk storage etc..Certainly, which is also possible that other
Hardware required for business.
Processor, network interface and memory can be connected with each other by internal bus, which can be ISA
(Industry Standard Architecture, industry standard architecture) bus, PCI (Peripheral
Component Interconnect, Peripheral Component Interconnect standard) bus or EISA (Extended Industry Standard
Architecture, expanding the industrial standard structure) bus etc..The bus can be divided into address bus, data/address bus, control always
Line etc..Only to be indicated with a four-headed arrow in Figure 11, it is not intended that an only bus or a type of convenient for indicating
Bus.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
Financing recommendation apparatus is formed on face.Processor executes the program that memory is stored, and is specifically used for executing following operation：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, recommends and is somebody's turn to do for the user
The matched financing scheme of funding gap.
The method that financing recommendation apparatus disclosed in the above-mentioned embodiment illustrated in fig. 1 such as the application executes can be applied to processor
In, or realized by processor.Processor may be a kind of IC chip, the processing capacity with signal.It was realizing
Each step of Cheng Zhong, the above method can be complete by the integrated logic circuit of the hardware in processor or the instruction of software form
At.Above-mentioned processor can be general processor, including central processing unit (Central Processing Unit, CPU),
Network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital Signal
Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing
Field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device are divided
Vertical door or transistor logic, discrete hardware components.It may be implemented or execute and is in the embodiment of the present application disclosed each
Method, step and logic diagram.General processor can be microprocessor or the processor is also possible to any conventional place
Manage device etc..The step of method in conjunction with disclosed in the embodiment of the present application, can be embodied directly in hardware decoding processor and execute
At, or in decoding processor hardware and software module combination execute completion.Software module can be located at random access memory,
This fields such as flash memory, read-only memory, programmable read only memory or electrically erasable programmable memory, register maturation
In storage medium.The storage medium is located at memory, and processor reads the information in memory, completes above-mentioned side in conjunction with its hardware
The step of method.
The method that the electronic equipment can also carry out Fig. 1, and realize financing recommendation apparatus in Fig. 1, Fig. 2, embodiment illustrated in fig. 6
Function, details are not described herein for the embodiment of the present application.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of the application, for example patrol
Collect device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each patrol
Unit is collected, hardware or logical device are also possible to.
The embodiment of the present application also proposed a kind of computer readable storage medium, the computer-readable recording medium storage one
A or multiple programs, the one or more program include instruction, and the instruction is when by the portable electronic including multiple application programs
When equipment executes, the method that the portable electronic device can be made to execute embodiment illustrated in fig. 1, and be specifically used for executing following behaviour
Make：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, recommends and is somebody's turn to do for the user
The matched financing scheme of funding gap.
Figure 12 is the structural schematic diagram of one embodiment financing recommendation apparatus 1200 of the application.Figure 12 is please referred to, one
In kind Software Implementation, financing recommendation apparatus 1200 may include：
Module 1210 is obtained, the current animation information of user is obtained；
Determining module 1220 determines the user in the following predetermined point of time based on the current animation information of the user
Prediction animation afterwards；
Recommending module 1230, the funding gap expected between animation based on the prediction animation and user are
The user recommends and the matched financing scheme of the funding gap.
In the embodiment of the present application, by the status based on user determine user in the prediction animation of future time point,
And then based on the funding gap between the prediction animation and the desired animation of user, it is poor with the fund to recommend for user
The matched financing scheme of volume, so that user can be in future time after using the financing scheme (buying corresponding finance product)
Point obtains desired animation.
Optionally, financing recommendation apparatus 1200 may also include display module 1240, determine that the user is predetermined in future
After prediction animation after time point, the corresponding simulation photo of the prediction animation is shown to user.
Specifically, display module 1240 can be predetermined with first based on the user images or preset character image acquired
Time interval is refreshing frequency, is to show span with the second predetermined time interval, gradually shows that current point in time is transitioned into future
The corresponding simulation photo of the prediction animation of predetermined point of time.
Optionally, display module 1240 can also be shown using the user after the financing scheme to the user in future
The corresponding simulation photo of prediction animation after predetermined point of time.
Particularly, the following predetermined point of time can be user pensioner's time point.At this point, determining module 1220
Specifically can at least one of endowment insurance relevant policies based on the user location, the professional nature of the user, with
And the animation information that the user is current, the prediction animation after determining user's retirement.
Optionally, the image of user can be acquired by obtaining module 1210, determine the user's based on the image of the user
User identifier, and extract the corresponding animation information of the user identifier.
Optionally, recommending module 1230 specifically may be in response to user to expect animation selection operation, determine described in
Funding gap is recommended and the matched financing scheme of the funding gap for the user.
Further, recommending module 1230 can financing risk class based on user, age of user, in investment way extremely
Few a kind of and described funding gap, determining user monthly needs the financing amount of money of investment, or determines financing recommended to the user
Product and user monthly need investment to the amount of money of the finance product.
Further, recommending module 1230 can be based on the funding gap and expected year earning rate, and estimation is used
Family monthly needs the amount of money of investment；At least one of financing risk class, age of user, investment way based on user, it is described
Expected year earning rate and the user monthly need the amount of money of investment, determine matched finance product.
In addition, if the funding gap is less than or equal to zero, recommending module 1230 can also recommend for the user and institute
State the conventional finance product that the property revenue and expenditure of user matches.
Optionally, the animation information includes at least the property revenue and expenditure information of user.
The animation information further includes following at least one：
The information for specifying interpersonal relationship object of the user；
Health records of the user before current time in the first predetermined amount of time；
Income record of the user before current time in the second predetermined amount of time；
The user job time limit；
The residence of the user and/or social security pay ground；
The occupational information of the user.
The method that financing recommendation apparatus 1200 can also carry out Fig. 1, Fig. 2, Fig. 6, specific implementation can refer to Fig. 1, Fig. 2, Fig. 6 institute
Show embodiment, details are not described herein for the embodiment of the present application.
In short, being not intended to limit the protection scope of the application the foregoing is merely the preferred embodiment of the application.
Within the spirit and principles of this application, any modification, equivalent replacement, improvement and so on should be included in the application's
Within protection scope.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
Claims (16)
1. a kind of financing recommended method, including：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, for user recommendation and institute
State the matched financing scheme of funding gap.
2. the method as described in claim 1, the method also includes：
The user is being determined after the prediction animation after the following predetermined point of time, is showing the prediction life shape to user
The corresponding simulation photo of state.
3. method according to claim 2 shows the corresponding simulation photo of the prediction animation to user, including：
Based on the user images or preset character image acquired, using the first predetermined time interval as refreshing frequency, with second
Predetermined time interval is to show span, gradually shows that current point in time is transitioned into the prediction animation pair of the following predetermined point of time
The simulation photo answered.
4. the method as described in claim 1, the method also includes：
It shows to the user using prediction animation of the user after the following predetermined point of time after the financing scheme
Corresponding simulation photo.
5. the method as described in claim 1, the future predetermined point of time is user pensioner's time point.
6. method as claimed in claim 5,
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State, including：
At least one of endowment insurance relevant policies, the professional nature of the user based on the user location, and
The current animation information of the user, the prediction animation after determining user's retirement.
7. the method as described in claim 1, obtaining the current animation information of user includes：
Acquire the image of user；
The user identifier of the user is determined based on the image of the user；
Extract the corresponding animation information of the user identifier.
8. the method as described in claim 1, the money expected between animation based on the prediction animation and user
Golden difference, for the user recommend with the matched financing scheme of the funding gap, including：
In response to user to the selection operation for expecting animation, the funding gap is determined；
Recommend and the matched financing scheme of the funding gap for the user.
9. method as claimed in claim 1 or 8 is recommended and the matched financing scheme of the funding gap, packet for the user
It includes：
At least one of financing risk class, age of user, investment way based on user and the funding gap, really
Determining user monthly needs the financing amount of money of investment, or determines that finance product recommended to the user and user monthly need investment described in
The amount of money of finance product.
10. method as claimed in claim 9, at least one of financing risk class and age of user based on user, with
And the funding gap, determining finance product recommended to the user and user monthly needs to invest the amount of money for arriving the finance product,
Including：
Based on the funding gap and expected year earning rate, estimate that user monthly needs the amount of money of investment；
At least one of financing risk class, age of user, investment way based on user, the expected year income
Rate and the user monthly need the amount of money of investment, determine matched finance product.
11. the method as described in claim 1, the money expected between animation based on the prediction animation and user
Golden difference, for the user recommend with the matched financing scheme of the funding gap, including：
If the funding gap is less than or equal to zero, recommend to match with the property revenue and expenditure of the user for the user
Conventional finance product.
12. the method as described in claim 1, the animation information includes at least the property revenue and expenditure information of user.
13. method as claimed in claim 12, the animation information further includes following at least one：
The information for specifying interpersonal relationship object of the user；
Health records of the user before current time in the first predetermined amount of time；
Income record of the user before current time in the second predetermined amount of time；
The user job time limit；
The residence of the user and/or social security pay ground；
The occupational information of the user.
14. a kind of financing recommendation apparatus, including：
Module is obtained, the current animation information of user is obtained；
Determining module determines the user after the following predetermined point of time based on the current animation information of the user
Predict animation；
Recommending module, the funding gap expected between animation based on the prediction animation and user are the use
Recommend and the matched financing scheme of the funding gap at family.
15. a kind of electronic equipment, including：
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction makes the processor when executed
Execute following operation：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, for user recommendation and institute
State the matched financing scheme of funding gap.
16. a kind of computer readable storage medium, the computer-readable recording medium storage one or more program, described one
A or multiple programs are when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following behaviour
Make：
Obtain the current animation information of user；
Based on the current animation information of the user, prediction life shape of the user after the following predetermined point of time is determined
State；
The funding gap expected between animation based on the prediction animation and user, for user recommendation and institute
State the matched financing scheme of funding gap.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810614290.7A CN108921703A (en) | 2018-06-14 | 2018-06-14 | Financing recommended method, device and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810614290.7A CN108921703A (en) | 2018-06-14 | 2018-06-14 | Financing recommended method, device and electronic equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108921703A true CN108921703A (en) | 2018-11-30 |
Family
ID=64421536
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810614290.7A Pending CN108921703A (en) | 2018-06-14 | 2018-06-14 | Financing recommended method, device and electronic equipment |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110210703A (en) * | 2019-04-25 | 2019-09-06 | 深圳壹账通智能科技有限公司 | A kind of method, apparatus, storage medium and computer equipment that financing is recommended |
| CN110489641A (en) * | 2019-07-16 | 2019-11-22 | 阿里巴巴集团控股有限公司 | A kind of information recommendation data processing method and device |
| CN112150290A (en) * | 2020-09-08 | 2020-12-29 | 广元量知汇科技有限公司 | Product pushing method for intelligent finance |
| CN112465279A (en) * | 2019-09-06 | 2021-03-09 | 北京财蕴天下信息技术有限责任公司 | All-round financial planning management system |
| CN114092261A (en) * | 2021-11-24 | 2022-02-25 | 中国银行股份有限公司 | Financial product information pushing method and device |
-
2018
- 2018-06-14 CN CN201810614290.7A patent/CN108921703A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110210703A (en) * | 2019-04-25 | 2019-09-06 | 深圳壹账通智能科技有限公司 | A kind of method, apparatus, storage medium and computer equipment that financing is recommended |
| CN110489641A (en) * | 2019-07-16 | 2019-11-22 | 阿里巴巴集团控股有限公司 | A kind of information recommendation data processing method and device |
| CN112465279A (en) * | 2019-09-06 | 2021-03-09 | 北京财蕴天下信息技术有限责任公司 | All-round financial planning management system |
| CN112150290A (en) * | 2020-09-08 | 2020-12-29 | 广元量知汇科技有限公司 | Product pushing method for intelligent finance |
| CN114092261A (en) * | 2021-11-24 | 2022-02-25 | 中国银行股份有限公司 | Financial product information pushing method and device |
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Effective date of registration: 20200922 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200922 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman, British Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
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