CN109145029B - Asset investment information query method, system and computer readable storage medium - Google Patents
Asset investment information query method, system and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses an asset investment information query method, a system and a computer readable storage medium, wherein the asset investment information query method comprises the following steps: when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user; inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic; asset matching information of the second user is displayed. The invention breaks the closed state of the financial platform user information data, reasonably completes the sharing of the user investment ratio information on the premise of not revealing the personal privacy information of the user, thereby providing the user with the investment strategy information of other users with the same or similar personal information characteristics, further improving the rationality of the user investment financing, reducing the investment financing risk and simultaneously improving the use experience of the user.
Description
Technical Field
The present invention relates to the field of information query technologies, and in particular, to a method and a system for querying asset investment information, and a computer-readable storage medium.
Background
With the increasing popularity of the concept of investment financing, more and more people are beginning to dispose of their own funds on various financial platforms. In order to ensure the safety and privacy of user accounts, each financial platform adopts a closed system to isolate information data among different users. However, this method has the defect that the user cannot locate the investment strategy according to the asset proportion of other users with the same character characteristics as the user. Because no investment reference object exists, the user can not effectively and reasonably invest and manage the money by combining the characteristics of the user, so that the investment strategy of the user is relatively blind, the investment and money management risk is increased, and the user experience is not good.
Disclosure of Invention
The invention mainly aims to provide an asset investment information query method, an asset investment information query system and a computer readable storage medium, and aims to solve the technical problem that a user cannot refer to investment financing information of other users, so that the investment strategy of the user cannot be positioned, and the investment financing risk is increased.
In order to achieve the above object, an embodiment of the present invention provides an asset investment information query method, where the asset investment information query method includes:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
asset matching information of the second user is displayed.
Preferably, the step of displaying the asset matching information of the second user further comprises:
when a confirmation operation of the first user based on the asset matching information is detected, an asset type list of the asset matching information is displayed.
Preferably, the step of displaying the asset matching information of the second user comprises:
arranging all the second users from large to small according to the feature similarity;
displaying asset matching information of a second user arranged at the forefront;
and displaying the asset matching information of the next second user according to the arrangement sequence of the feature similarity from large to small when the denial operation of the first user based on the asset matching information is detected.
Preferably, the step of displaying the asset matching information of the next second user in the descending order of the feature similarity each time the denial operation of the first user based on the asset matching information is detected further includes:
when the first user is detected to reject the operation frequency based on the asset matching information to be greater than a second threshold value, displaying a questionnaire for the investment style test;
performing data analysis on the first user based on data input on the questionnaire to determine the investment style of the first user;
and inquiring a second user with the same investment style as the first user, and displaying asset matching information of the second user.
Preferably, the asset investment information query method further comprises:
when the investment style of a first user is determined, acquiring a target financing product and/or a target financing combination matched with the investment style of the first user;
and displaying the target financing product and/or the target financing combination, and displaying the risk level of the target financing product and/or the target financing combination.
Preferably, when determining the investment style of the first user, the step of obtaining a target financial product and/or a target financial portfolio that matches the investment style of the first user comprises:
when the investment style of a first user is determined, acquiring an investment term input by the first user based on a preset edit box;
and acquiring a target financing product and/or a target financing combination based on the investment period and the investment style.
Preferably, the asset investment information query method further comprises:
when the authorized operation of the first user based on the asset matching information is detected, the database records the first information characteristic and the asset matching information of the first user, so that the database takes the first information characteristic and the asset matching information of the first user as data reference sources.
Preferably, the asset investment information query method further comprises:
when the preset community obtains the information sharing instruction of the first user, the asset matching information of the first user is shared in the preset community in a public mode.
The present invention also provides a system comprising: a memory, a processor, a communication bus, and an asset investment information query program stored on the memory,
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is used for executing the asset investment information inquiry program to realize the following steps:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
asset matching information of the second user is displayed.
Preferably, the step of displaying the asset matching information of the second user further comprises:
when a confirmation operation of the first user based on the asset matching information is detected, an asset type list of the asset matching information is displayed.
Preferably, the step of displaying the asset matching information of the second user comprises:
arranging all the second users from large to small according to the feature similarity;
displaying asset matching information of a second user arranged at the forefront;
and displaying the asset matching information of the next second user according to the arrangement sequence of the feature similarity from large to small when the denial operation of the first user based on the asset matching information is detected.
Preferably, the step of displaying the asset matching information of the next second user in the descending order of the feature similarity each time the denial operation of the first user based on the asset matching information is detected further includes:
when the first user is detected to reject the operation frequency based on the asset matching information to be greater than a second threshold value, displaying a questionnaire for the investment style test;
performing data analysis on the first user based on data input on the questionnaire to determine the investment style of the first user;
and inquiring a second user with the same investment style as the first user, and displaying asset matching information of the second user.
Preferably, the asset investment information query method further comprises:
when the investment style of a first user is determined, acquiring a target financing product and/or a target financing combination matched with the investment style of the first user;
and displaying the target financing product and/or the target financing combination, and displaying the risk level of the target financing product and/or the target financing combination.
Preferably, when determining the investment style of the first user, the step of obtaining a target financial product and/or a target financial portfolio that matches the investment style of the first user comprises:
when the investment style of a first user is determined, acquiring an investment term input by the first user based on a preset edit box;
and acquiring a target financing product and/or a target financing combination based on the investment period and the investment style.
Preferably, the asset investment information query method further comprises:
when the authorized operation of the first user based on the asset matching information is detected, the database records the first information characteristic and the asset matching information of the first user, so that the database takes the first information characteristic and the asset matching information of the first user as data reference sources.
Preferably, the asset investment information query method further comprises:
when the preset community obtains the information sharing instruction of the first user, the asset matching information of the first user is shared in the preset community in a public mode.
Further, to achieve the above object, the present invention also provides a computer-readable storage medium storing one or more programs, the one or more programs being executable by one or more processors for:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
asset matching information of the second user is displayed.
According to the technical scheme, when the preset triggering operation of a first user is detected, the personal comprehensive information of the first user is analyzed to obtain first information characteristics of the first user; then, inquiring a second information characteristic with the characteristic similarity to the first information characteristic being larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic; and finally, displaying the asset matching information of the second user. The invention breaks through the closed state of the financial platform user information data, reasonably and properly completes the sharing of the user investment ratio information through the matching of the personal information characteristics of different users on the premise of not revealing the personal privacy information of the users, thereby providing the users with reference to the investment strategy information of other users with the same or similar personal information characteristics, further improving the rationality of the user investment financing, reducing the investment financing risk and simultaneously improving the use experience of the users.
Drawings
FIG. 1 is a schematic flow chart of a first embodiment of a method for querying asset investment information according to the present invention;
FIG. 2 is a schematic flow chart of a second embodiment of the asset investment information query method of the present invention;
FIG. 3 is a schematic flow chart of a third embodiment of the asset investment information query method of the present invention;
FIG. 4 is a schematic flow chart illustrating a method for querying investment information of assets according to a fourth embodiment of the present invention;
FIG. 5 is a schematic flow chart of a fifth embodiment of the asset investment information query method of the present invention;
FIG. 6 is a flowchart illustrating a sixth embodiment of a method for querying investment information in accordance with the present invention;
fig. 7 is a schematic device structure diagram of a hardware operating environment related to the method according to the embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides an asset investment information query method, in a first embodiment of the asset investment information query method, referring to fig. 1, the asset investment information query method comprises the following steps:
step S10, when detecting the preset trigger operation of the first user, analyzing the personal comprehensive information of the first user to obtain the first information characteristic of the first user;
in the traditional financial system platform, a closed system is adopted to isolate data communication among different users in consideration of asset safety of user accounts, so all investment operations of the users on the financial platform can only be groped and judged by personal ability. The invention provides a user information analysis processing mechanism which analyzes the information of a user on a financial platform, but does not expose any user data information.
The present embodiment divides the users into a first user and a second user, the first user refers to a user currently in an operating state, and the second user refers to a user recorded in a database of the asset investment information query system. All registered user information and corresponding associated asset information are stored in a database of the financial platform. The first user and the second user belong to registered active users retained in the financial platform, belong to relative concepts, and are different only in view angle. The active user registration refers to a user who has been authenticated by registration in the financial platform and reaches a certain active index, which is not described herein.
Specifically, when the first user triggers the preset operation, the asset investment information query system analyzes the personal comprehensive information of the first user. The personal integrated information refers to all information of the first user, including personal information, investment transaction information, asset allocation information, and the like, which are maintained in the database. And performing data analysis on the personal comprehensive information, and restoring the character characteristics of the first user so as to obtain the first information characteristics matched with the character characteristics.
The preset trigger operation is used as a trigger mechanism, and the user operation is mainly facilitated as a design direction. The preset triggering operation is a precondition for acquiring a first information characteristic of the first user, and preferably, the preset triggering operation realizes a triggering process in a shaking manner. The first user only needs to shake the carrier where the asset investment information inquiry system is located, and when a sensor on the carrier detects a preset triggering operation of shaking, a subsequent analysis function can be started.
It should be noted that, in the data analysis process, modeling analysis may be adopted, all information of the first user is added to a preset information model, according to the layout arrangement of various information of the first user on the information model and the preset rules of the information model, weight coefficients corresponding to various information on the model are given, and information with a larger weight coefficient is used as the character feature of the first user; or the character characteristics of the first user are formed according to the combination of the information with larger different weight coefficients.
For example, assume that the personal summary information of the first user is: age 32 years, historical duration of asset investments of 3 years, frequency of asset investments of 2 times per week, and the more significant of the allocation types are military stocks, etc. Adding the personal comprehensive information of the first user into the information model, and assuming that the weighting coefficient of the information model is 3.0 at the age of 32 years; the weight coefficient of 3 years of the historical duration of the asset investment is 1.0; the weight coefficient of the asset investment frequency of 2 times per week is 1.2; the weighting coefficient of more military stock asset allocation is 2.1 and the like. If the information model specifies that the information with the weight coefficient of more than 2.0 can be used as the character feature of the first user, the character feature of the first user can be obtained to be 32 years old and the military stock is more in duty according to the distribution of the weight coefficient. Further analysis is carried out through preset rules, the age of 32 represents that the first user belongs to young and strong years, and both wealth acquisition capacity and consumption capacity have a rising space; the military stocks belong to long-term investment products, and the military stocks are more in proportion, so that the first user can hold the stocks for a long time and do not quickly turn the stocks on the spot. That is, the first information of the first user is characterized by abundant funds, a certain capital investment risk, and a strong investment capability.
The above examples are merely illustrative, and do not represent that the present embodiment is limited to the above examples.
Step S20, inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
and taking the data record of the first information characteristic of the first user as a reference object, and inquiring all second information characteristics in the asset investment information inquiry system database, wherein the second information characteristics are analysis results obtained by analyzing the personal comprehensive information of other users. And setting the user corresponding to the second information characteristic as a second user, wherein the second user refers to one or one class of users, and is not limited herein. The personal comprehensive information of different users may be different or identical, so that the feature similarity, that is, the similarity degree of the information of the first information feature and the second information feature, is proposed herein. If the similarity of the first information characteristic and the second information characteristic is higher, the situation of the first user and the second user is proved to be closer, and the asset configuration of the second user is more meaningful to the first user. And a quantitative threshold value is needed for judging the similarity, a first threshold value is set in the embodiment, the first threshold value is an important index for judging the feature similarity of the first information feature and the second information feature, the feature similarity is larger than the first threshold value, it is proved that the similarity of the first information feature and the second information feature reaches the standard, a second user corresponding to the second information feature has certain similarity with the first user, and the asset investment condition of the second user naturally meets the reference standard of the first user.
And step S30, displaying the asset matching information of the second user.
In this embodiment, the matched second information feature is firstly queried according to the numerous information feature records in the database, and then the corresponding second user is queried according to the second information feature, so that the asset matching information of the second user is obtained according to the asset investment information associated with the second user. In the process, only the asset matching information of the second user is obtained, and the detailed asset investment condition of the second user, such as sensitive information of investment amount, investment period, investment products and the like, is not obtained, so that the non-private content can be displayed for the first user to refer to position the investment strategy under the condition of ensuring the information security and property privacy of the second user. Preferably, the asset allocation information is displayed in a pie chart format, that is, only the percentage of the investment product to the total asset is displayed, and the specific investment content is not displayed. For example, only the information of the savings proportion, the gold proportion, the stock proportion, the P2P proportion and the like of the second user in the investment property is displayed, and the regular or current period of the savings investment in the investment property is not displayed; nor does it show which stock was put in the investment, how much money was put, etc. Of course, the asset matching information may include not only the investment ratio of each asset, but also the total profitability of each investment product.
According to the technical scheme, when the preset triggering operation of a first user is detected, the personal comprehensive information of the first user is analyzed to obtain first information characteristics of the first user; then, inquiring a second information characteristic with the characteristic similarity to the first information characteristic being larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic; and finally, displaying the asset matching information of the second user. The invention breaks through the closed state of the financial platform user information data, reasonably and properly completes the sharing of the user investment ratio information through the matching of the personal information characteristics of different users on the premise of not revealing the personal privacy information of the users, thereby providing the users with reference to the investment strategy information of other users with the same or similar personal information characteristics, further improving the rationality of the user investment financing, reducing the investment financing risk and simultaneously improving the use experience of the users.
Further, on the basis of the first embodiment of the asset investment information query method of the present invention, a second embodiment of the asset investment information query method is provided, and referring to fig. 2, the difference between the second embodiment and the first embodiment is that the step of displaying the asset matching information of the second user further includes:
at step S40, when a confirmation operation of the first user based on the asset matching information is detected, an asset type list of the asset matching information is displayed.
In a real-world scenario, the first user can perform self-positioning according to the displayed asset matching information, and if the first user assumes that the asset matching information of the second user accords with the current real situation of the first user or generates great interest in understanding the asset matching information of the second user, confirmation operation is performed on the asset matching information, so that an asset type list of the asset matching information can be displayed. The design language for the validation operation may be to place a heart-shaped pattern on the asset matching information to indicate "fit me". Once the heart-shaped pattern is clicked, the first user is proved to agree with the asset matching information of the second user, the asset investment information query system can further refine the asset matching information of the second user, and display a more detailed asset type list of the asset matching information for the first user to refer to and locate the investment strategy of the first user. The asset type list is refinement data based on asset proportion information, and the refinement data does not relate to specific information such as investment amount, investment products and the like, but is refinement of investment types.
It should be noted that, in the embodiment, in consideration of the account security and privacy of the user, the asset type list does not include sensitive privacy information, that is, information such as specific investment products and investment amounts is not displayed, and only investment type detailed information is displayed, for example, the information may be classified into gold T + D, gold spot goods, gold futures, gold options and the like under the gold type; or the fund type may be classified into a monetary fund, a bond-type fund, a stock-type fund, a hybrid fund, and the like. Through the asset type list, the first user can establish an asset investment model of the second user more clearly, so that the self asset investment configuration is referred for reference, and blind investment is prevented.
Further, on the basis of the first embodiment of the asset investment information query method of the present invention, a third embodiment of the asset investment information query method is provided, and referring to fig. 3, the difference between the third embodiment and the first embodiment is that the step of displaying the asset matching information of the second user includes:
step S31, arranging all the second users from big to small according to the feature similarity;
step S32, displaying asset matching information of the second user arranged at the forefront;
when the second information characteristic is queried in the database, if the second threshold is not high enough, the similarity of the characteristic of the second information characteristic with the first information characteristic reaches the standard, and the obtained second user also reaches more than one second information characteristic. Therefore, all the obtained second users need to be arranged from large to small according to the corresponding feature similarity, and the asset matching information corresponding to the second user arranged at the forefront is displayed at first, so that the first user can conveniently view the asset matching information which is most in line with the first user.
And step S33, displaying the asset matching information of the next second user according to the arrangement sequence of the feature similarity from large to small when the denial operation of the first user based on the asset matching information is detected.
Once the first user does not approve the currently displayed asset matching information, a denial operation is performed on the asset matching information, for example, a heartburn pattern is set on the asset matching information to indicate that the first user does not fit to me. And the first user clicks the mental fragmentation pattern, namely the first user is proved not to approve the asset matching information of the second user, the asset investment information inquiry system acquires new second users which are subsequently arranged by the currently displayed second user according to the arrangement sequence from large to small of the feature similarity, and the asset matching information of the new second users is displayed to the users. Once the first user again does not approve the new asset mix information, the step of displaying the next new second user's asset mix information is performed in a loop.
Further, on the basis of the third embodiment of the asset investment information query method of the present invention, a fourth embodiment of the asset investment information query method is proposed, referring to fig. 4, the difference between the fourth embodiment and the third embodiment is that,
after the step of displaying the asset matching information of the next second user according to the descending order of the feature similarity when the denial operation of the first user based on the asset matching information is detected, the method further comprises the following steps:
step S34, when it is detected that the denial operation frequency of the first user based on the asset proportion information is larger than a second threshold value, displaying a questionnaire of the investment style test;
the first user does not approve the asset matching information of the current second user, and the first user can deny the asset matching information. However, if the first user performs the denial operation on the asset matching information of the second user at all times, the asset investment information query system will enter the endless loop state, and the problem that the first user refers to the asset investment information of other users cannot be really solved.
In this embodiment, the denial operation frequency of the first user based on the asset matching information is counted, and a trigger boundary value of the second threshold denial operation frequency is set. Once the denial operation frequency is greater than the second threshold, the currently displayed asset matching information of the second user is proved to be basically not applicable to the first user. At the moment, the style evaluation test is carried out on the first user, and the personal comprehensive information of the first user can be conveniently re-judged. The embodiment obtains the investment style test for the first user in the form of questionnaire.
Step S35, performing data analysis on the data input by the first user based on the questionnaire to determine the investment style of the first user;
the user replies one by one through questions asked on the questionnaire, and the asset investment information query system performs matching analysis according to the answers replied by the user and a default algorithm or template, and finally obtains the corresponding investment style of the first user. Generally, investment styles are classified as conservative, robust, aggressive, and so forth. The investment style is related to various aspects such as income, expenditure, attitude and the like of the first user, and generally, the investment strategy of the first user is influenced by the difference of the investment styles. For example, if the investment style of the first user is determined to be conservative, there is a high probability that the investment strategy of the first user will not deposit funds into high-risk investment products such as stocks and futures, and there is a high probability that the investment strategy will deposit funds into low-risk investment products such as bank savings, money funds, national debt, etc.; assuming that the investment style of the first user is determined to be robust, the investment strategy of the first user is relatively more extensive and can be distributed in each asset with a relatively reasonable fund proportion, and the robust first user generally involves low-risk fixed-income products such as money funds, national debts and the like; fund with moderate risk, P2P financial product and other fixed income products; high risk fluctuating revenue products such as stocks, futures, etc. A robust investor will balance the proportion of capital each in the investment product, thereby reducing the investment risk.
And step S36, inquiring a second user with the same investment style as the first user, and displaying the asset ratio information of the second user.
As can be seen from the above, the difference in the investment styles affects the investment strategy of the first user, and similarly, the difference in the investment styles also affects the investment strategy of the second user. And the investment style of the second user is fully reflected in the asset proportioning information of the second user. Therefore, the asset investment information query system can acquire the investment style of the second user in advance from the asset matching information of the second user and store the investment style in the database. After the investment style of the first user is determined, only a second user with the same investment style as the first user in the database needs to be found, and the asset matching information of the second user accords with the asset investment strategy of the first user to a great extent. The investment styles are consistent, the fact that the investment directions are overlapped with each other with a high probability proves, and the fund distribution tends to be the same. The investment styles of the second user and the first user are the same, and then the asset matching information of the second user is given to the first user with great reference, so that the first user can conveniently locate the own investment strategy and determine the own investment direction.
Further, on the basis of the fourth embodiment of the asset investment information query method of the present invention, a fifth embodiment of the asset investment information query method is proposed, and referring to fig. 5, the difference between the fifth embodiment and the fourth embodiment is that the asset investment information query method further includes:
step S50, when determining the investment style of the first user, acquiring a target financing product and/or a target financing combination matched with the investment style of the first user;
after the investment style of the first user is determined, the asset investment information query system can acquire financial products or financial combinations matched with the investment style of the first user in the database. The investment style is matched with the financing product or the financing combination, the current asset scale of the first user and the direction of the investment strategy are comprehensively considered, and the related investment risk is avoided while the profitability of the first user is guaranteed. The target financing product and/or the target financing portfolio refer to a single financing product or a mutual portfolio of a plurality of financing products which meet the current asset size and investment strategy of the first user.
And step S60, displaying the target financing product and/or the target financing combination, and displaying the risk level of the target financing product and/or the target financing combination.
And after the target financing product and/or the target financing combination are obtained, the asset investment information inquiry system recommends the target financing product and/or the target financing combination to the user, and simultaneously displays the risk level of the recommended target financing product and/or the target financing combination. The risk level refers to that the first user can forecast the insurance value, income, risk and the like of the fund when investing the target financing product and/or the target financing combination, and the forecast result is expressed by a quantitative data index. Preferably, the risk level is related to the type of financial product being delivered, how many types of financial product being delivered, the proportion of funds being delivered, etc. That is, the safer the financing product type is, the wider the distribution of financing product types is, and the more dispersed the proportion of invested funds is, the lower the risk level is.
It should be noted that the asset investment information query system is only responsible for recommending the financial product most reasonably and optimally suitable for the first user to the user, but is completely decided by the user if the target financial product and/or the target financial combination is adopted.
The following will be explained by means of a specific example:
assuming that the investment style of the first user is robust and there is a target portfolio in the database, the product is consistent with the investors in the robust investment style. The asset investment information inquiry system acquires the target financing combination from the database, displays the target financing combination to the first user, and simultaneously displays the risk level of the capital of the first user when the first user invests the product. The user can decide whether to invest in the product based on the prediction of the risk level.
Further, on the basis of the fifth embodiment of the asset investment information query method of the present invention, a sixth embodiment of the asset investment information query method is proposed, and referring to fig. 6, the difference between the sixth embodiment and the fifth embodiment is that the step of acquiring a target financial product and/or a target financial portfolio matching the investment style of the first user when determining the investment style of the first user comprises:
step S51, when the investment style of the first user is determined, acquiring the investment deadline input by the first user based on the preset edit box;
after acquiring the investment style of the first user, the first user may customize some of the parameters to define a preselected range of target financial products and/or target financial combinations. The embodiment provides the first user with a preset edit box, and the first user can input the investment time limit in the preset edit box, so as to specify the recommendation range of the target financing product and/or the target financing combination which can be recommended by the asset investment information inquiry system.
And step S52, acquiring target financing products and/or target financing combinations based on the investment period and the investment style.
The asset investment information inquiry system can acquire the target financing product and/or the target financing combination which meet the requirements in the system database according to the investment period set by the first user and the investment style of the first user. According to the method and the device, the limiting condition of the investment period is increased, and the product recommended by the system can be obtained more accurately, so that the investment requirement of the first user is fitted better, and the investment strategy of the first user is met better.
Further, on the basis of the sixth embodiment of the asset investment information query method of the present invention, a seventh embodiment of the asset investment information query method is proposed, and the difference between the seventh embodiment and the sixth embodiment is that the asset investment information query method further includes:
when the authorized operation of the first user based on the asset matching information is detected, the database records the first information characteristic and the asset matching information of the first user, so that the database takes the first information characteristic and the asset matching information of the first user as data reference sources.
After the first user finishes investment, the system can automatically generate corresponding asset matching information, the first user can use the asset matching information as sharing information, the identity of the first user is converted into a second user, and other users are helped to position and determine the investment strategy of the second user. As the disclosed investment information, the asset investment information query system cannot acquire the information of the first user at will, and the personal information can be recorded only by obtaining the authorized operation of the first user. When the authorization of the first user is obtained, the system database can normally record the first information characteristic and the asset matching information of the first user, and the first information characteristic and the asset matching information can be used as a data reference source for data analysis when other users seek help.
Further, on the basis of the seventh embodiment of the asset investment information query method of the present invention, an eighth embodiment of the asset investment information query method is proposed, and the difference between the eighth embodiment and the seventh embodiment is that the asset investment information query method further includes:
when the preset community obtains the information sharing instruction of the first user, the asset matching information of the first user is shared in the preset community in a public mode.
Simply basing the asset matching information of the second user may not necessarily fully address the functional needs of the first user. The first user may have a certain problem to the own asset matching information to be solved. Therefore, the community sharing function is provided, the first user can share the asset matching information of the first user in a public mode, and more users can conveniently conduct query analysis in a sharing mode. And the authorization for carrying out public sharing on the asset matching information of the first user can be obtained only when the preset community obtains the information sharing instruction of the first user. In a preset community, a first user can ask questions and answer other users, so that the investment strategy of the first user is further determined, and the asset investment strategy is corrected and consolidated.
Referring to fig. 7, fig. 7 is a schematic device structure diagram of a hardware operating environment related to a method according to an embodiment of the present invention.
The terminal of the embodiment of the invention can be a PC, and can also be a terminal device such as a smart phone, a tablet computer, an electronic book reader, an MP3(Moving Picture Experts Group Audio Layer III, dynamic video Experts compression standard Audio Layer 3) player, an MP4(Moving Picture Experts Group Audio Layer IV, dynamic video Experts compression standard Audio Layer 4) player, a portable computer and the like.
As shown in fig. 7, the system may include: a processor 1001, such as a CPU, a memory 1005, and a communication bus 1002. The communication bus 1002 is used for realizing connection communication between the processor 1001 and the memory 1005. The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Optionally, the system may also include a user interface, a network interface, a camera, RF (Radio Frequency) circuitry, sensors, audio circuitry, a WiFi module, and so forth. The user interface may comprise a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface may also comprise a standard wired interface, a wireless interface. The network interface may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface).
Those skilled in the art will appreciate that the system architecture shown in FIG. 7 does not constitute a limitation on the system, and may include more or fewer components than shown, or some components in combination, or a different arrangement of components.
As shown in fig. 7, the memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, and an asset investment information query program. The operating system is a program that manages and controls the system hardware and software resources, supporting the operation of asset investment information query programs, as well as other software and/or programs. The network communication module is used to enable communication between the various components within the memory 1005, as well as with other hardware and software in the system.
In the system shown in fig. 7, the processor 1001 is configured to execute the asset investment information query program stored in the memory 1005, and implement the following steps:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
asset matching information of the second user is displayed.
Further, the step of displaying the asset matching information of the second user further comprises:
when a confirmation operation of the first user based on the asset matching information is detected, an asset type list of the asset matching information is displayed.
Further, the step of displaying the asset matching information of the second user comprises:
arranging all the second users from large to small according to the feature similarity;
displaying asset matching information of a second user arranged at the forefront;
and displaying the asset matching information of the next second user according to the arrangement sequence of the feature similarity from large to small when the denial operation of the first user based on the asset matching information is detected.
Further, the step of displaying the asset matching information of the next second user in the descending order of the feature similarity whenever the denial operation of the first user based on the asset matching information is detected further includes:
when the first user is detected to reject the operation frequency based on the asset matching information to be greater than a second threshold value, displaying a questionnaire for the investment style test;
performing data analysis on the first user based on data input on the questionnaire to determine the investment style of the first user;
and inquiring a second user with the same investment style as the first user, and displaying asset matching information of the second user.
Further, the asset investment information query method further comprises the following steps:
when the investment style of a first user is determined, acquiring a target financing product and/or a target financing combination matched with the investment style of the first user;
and displaying the target financing product and/or the target financing combination, and displaying the risk level of the target financing product and/or the target financing combination.
Further, the step of obtaining a target financing product and/or a target financing portfolio matching the investment style of the first user when determining the investment style of the first user comprises:
when the investment style of a first user is determined, acquiring an investment term input by the first user based on a preset edit box;
and acquiring a target financing product and/or a target financing combination based on the investment period and the investment style.
Further, the asset investment information query method further comprises the following steps:
when the authorized operation of the first user based on the asset matching information is detected, the database records the first information characteristic and the asset matching information of the first user, so that the database takes the first information characteristic and the asset matching information of the first user as data reference sources.
Further, the asset investment information query method further comprises the following steps:
when the preset community obtains the information sharing instruction of the first user, the asset matching information of the first user is shared in the preset community in a public mode.
The specific implementation of the system of the present invention is basically the same as that of the above-mentioned embodiments of the asset investment information query method, and is not described herein again.
The present invention also provides a computer readable storage medium storing one or more programs, the one or more programs being further executable by one or more processors for:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring a second information characteristic with the characteristic similarity to the first information characteristic larger than a first threshold value, and acquiring a second user corresponding to the second information characteristic;
asset matching information of the second user is displayed.
The specific implementation manner of the computer-readable storage medium of the present invention is substantially the same as that of the above-mentioned asset investment information query method and system, and is not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (8)
1. An asset investment information query method, characterized in that the asset investment information query method comprises:
when the preset trigger operation of a first user is detected, analyzing the personal comprehensive information of the first user to obtain a first information characteristic of the first user;
inquiring second information characteristics of which the characteristic similarity with the first information characteristics is greater than a first threshold value, and acquiring second users corresponding to the second information characteristics;
arranging the second users from big to small according to the feature similarity, and displaying asset matching information of the second users arranged at the top;
when a denial operation of the first user based on the asset matching information is detected, acquiring a new second user arranged behind the currently displayed second user, and displaying the asset matching information of the new second user;
when a confirmation operation of the first user based on the asset matching information is detected, displaying an asset type list of the asset matching information, wherein the asset type list is refined data based on the asset matching information and does not relate to investment products and investment amount.
2. The asset investment information query method according to claim 1,
after the step of displaying the asset matching information of the next second user according to the descending order of the feature similarity when the denial operation of the first user based on the asset matching information is detected, the method further comprises the following steps:
when the first user is detected to reject the operation frequency based on the asset matching information to be greater than a second threshold value, displaying a questionnaire for the investment style test;
performing data analysis on the first user based on data input on the questionnaire to determine the investment style of the first user;
and inquiring a second user with the same investment style as the first user, and displaying asset matching information of the second user.
3. The asset investment information query method according to claim 2, wherein said asset investment information query method further comprises:
when the investment style of a first user is determined, acquiring a target financing product and/or a target financing combination matched with the investment style of the first user;
and displaying the target financing product and/or the target financing combination, and displaying the risk level of the target financing product and/or the target financing combination.
4. The asset investment information query method according to claim 3, wherein said step of acquiring a target financial product and/or a target financial portfolio that matches the investment style of the first user when determining the investment style of the first user comprises:
when the investment style of a first user is determined, acquiring an investment term input by the first user based on a preset edit box;
and acquiring a target financing product and/or a target financing combination based on the investment period and the investment style.
5. The asset investment information query method according to claim 4, wherein said asset investment information query method further comprises:
when the authorized operation of the first user based on the asset matching information is detected, the database records the first information characteristic and the asset matching information of the first user, so that the database takes the first information characteristic and the asset matching information of the first user as data reference sources.
6. The asset investment information query method according to claim 5, wherein said asset investment information query method further comprises:
when the preset community obtains the information sharing instruction of the first user, the asset matching information of the first user is shared in the preset community in a public mode.
7. A system, characterized in that the system comprises: a memory, a processor, a communication bus, and an asset investment information query program stored on the memory,
the communication bus is used for realizing communication connection between the processor and the memory;
the processor is configured to execute the asset investment information query program to implement the steps of the asset investment information query method according to any one of claims 1 to 6.
8. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon an asset investment information query program, which when executed by a processor, implements the steps of the asset investment information query method according to any one of claims 1 to 6.
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