CN109214923A - A kind of financing task creating method and device - Google Patents
A kind of financing task creating method and device Download PDFInfo
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- CN109214923A CN109214923A CN201810871641.2A CN201810871641A CN109214923A CN 109214923 A CN109214923 A CN 109214923A CN 201810871641 A CN201810871641 A CN 201810871641A CN 109214923 A CN109214923 A CN 109214923A
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Abstract
This specification provides a kind of financing task creating method and device, the behavioral data first generated on payment platform according to user, determine the preference commodity of user, targeted yield is determined further according to the value of the preference commodity, pass through the profitability of different financial products and the investment attribute information of user, determine that user reaches the available financial product pond of the targeted yield, finally financing task is generated according to the preference commodity and the financial product pond, user's living scene that the behavioral data of user represents is chained up by the application with financing scene, for the finance and money management product that the matching of user's intelligence is suitable, to promote the financing experience and financing interest of user.
Description
Technical field
This specification is related to Internet technical field more particularly to a kind of financing task creating method and device.
Background technique
Financing open platform (such as Alipay, Jingdone district finance etc.) on, usually exist financial product purchase interface, but for
For general user, there are thresholds for financing.User, which often exists, does not know what is bought, and dare not buy, the financing pain spot failed to understand.Mesh
Before, user lacks a kind of financing scene of intuitive personalization, and the financing to promote user is experienced and financing interest.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of financing task creating method and device, technical side
Case is as follows:
According to this specification embodiment in a first aspect, provide a kind of financing task creating method, this method comprises:
The behavioral data generated on payment platform according to user determines the preference commodity of user；
Targeted yield is determined according to the value of the preference commodity；
According to the investment attribute information of the profitability of different financial products and user, determine that user reaches the target and receives
The available financial product pond of benefit；
Financing task is generated according to the preference commodity and the financial product pond.
According to the second aspect of this specification embodiment, a kind of financing task generating device is provided, which includes:
Preference determining module: the behavioral data for being generated on payment platform according to user determines the preference quotient of user
Product；
Income determining module: for determining targeted yield according to the value of the preference commodity；
Product determining module: for determining according to the profitability of different financial products and the investment attribute information of user
User reaches the available financial product pond of the targeted yield；
Task generation module: for generating financing task according to the preference commodity and the financial product pond.
According to the third aspect of this specification embodiment, a kind of computer equipment is provided, including memory, processor and deposit
Store up the computer program that can be run on a memory and on a processor, wherein the processor is realized when executing described program
A kind of financing task creating method, this method comprises:
The behavioral data generated on payment platform according to user determines the preference commodity of user；
Targeted yield is determined according to the value of the preference commodity；
According to the investment attribute information of the profitability of different financial products and user, determine that user reaches the target and receives
The available financial product pond of benefit；
Financing task is generated according to the preference commodity and the financial product pond.
Technical solution provided by this specification embodiment provides a kind of financing task creating method and device, first obtains
Take the behavioral data that family generates on platform.By the content template of scalability, the behavioral data of user is represented
User's living scene is chained up with financing scene, is the suitable finance and money management product of the matching of user's intelligence, to promote user
Financing experience and financing interest.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is a kind of flow chart of the financing task creating method shown in one exemplary embodiment of this specification；
Fig. 2-4 is a kind of signal that financing task displaying is carried out by template shown in one exemplary embodiment of this specification
Figure；
Fig. 5 is another flow chart of the financing task creating method shown in one exemplary embodiment of this specification；
Fig. 6 is one of financing task creating method shown in one exemplary embodiment of this specification under concrete application scene
Kind schematic diagram；
Fig. 7 is a kind of schematic diagram of the financing task generating device shown in one exemplary embodiment of this specification；
Fig. 8 is a kind of structural schematic diagram of computer equipment shown in one exemplary embodiment of this specification.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
Financing open platform (such as Alipay, Jingdone district finance etc.) on, usually exist financial product purchase interface, but for
For general user, there are thresholds for financing.User, which often exists, does not know what is bought, and dare not buy, the financing pain spot failed to understand.Mesh
Before, user lacks a kind of financing scene of intuitive personalization, and the financing to promote user is experienced and financing interest.
Therefore, present description provides a kind of financing task creating method and devices, and the behavioral data of user is represented
User's living scene is chained up with financing scene, is the suitable finance and money management product of the matching of user's intelligence, to promote user
Financing experience and financing interest.
The financing task creating method that the present embodiment is related to is described in detail below, shown in Figure 1, this method can
With the following steps are included:
S101, the behavioral data generated on payment platform according to user determine the preference commodity of user；
It is acquisition dimension, behavior number of the acquisition user in Ali's platform with the commercial productainterests of user by taking Ali's platform as an example
According to behavior data can include: shopping and trading activity of the user at Taobao end record, and user is in Taobao's end shopping cart and collection
The inventory records etc. added in folder, user are recorded, it may be determined that user in the itinerary etc. of Alipay travelling application by these
One or more preference commodity.
It should be noted that the preference commodity can be the commodity in meaning in kind, the physical goods can be one bottle certain
The toner of brand, the mobile phone etc. of certain model, is also possible to commodity in virtual sense, and the commodity in the virtual sense can be with
It is that user goes the primary dining in some preference dining room or user to take a trip to the primary etc. of some preference place.
S102 determines targeted yield according to the value of the preference commodity；
After determining preference commodity, the value of the preference commodity is estimated.Such as pass through price of the physical goods in official website
Determine the commodity value, which is the targeted yield of this financing task to be generated.
It is described to determine that user reaches according to the investment attribute information of the profitability of different financial products and user by S103
The available financial product pond of targeted yield；
Specifically, the year earning rate that different financial products can be inquired, according to finance described in the year income rate conversion
The income range of product, and then determine the profitability of the financial product.
Still by taking Ali's platform as an example, risk can be pushed to user in advance and test questionnaire, the wind of itself submitted according to user
Dangerous test result information determines the investment attribute of user.Under normal conditions, the investment attribute of user includes that user invests gold
The investment risk preference of volume and user.
Further, if user does not carry out risk test, judgement could obtain the Alipay flowing water information of user, if energy
The Alipay flowing water information for enough obtaining user, then estimate according to the investment amount that the information carries out user, and then obtains user and reach
At the available financial product scheme of the targeted yield；
Further, if the Alipay flowing water information of user cannot be obtained, the life of user can be obtained by continuing judgement
Session information (division of life span's information is the hierarchical information according to divisions such as age of user), and then use identical life phase user
Popular scheme reach the available financial product scheme of the targeted yield as the user.
Further, if any information of user can not be obtained, selection can use side in preset operation recommendation
Case reaches the available financial product scheme of the targeted yield as the user.
S104 generates financing task according to the preference commodity and the financial product pond.
By the preference commodity and destination financial product pond, according to financing scene template generation financing task, and will
The financing task is delivered to user.
Specifically, corresponding financing scene template can be determined according to targeted yield.It may include launching in financing scene template
Enter mouth template, referring to fig. 2, to show user, and may further be user and the financing entrance of financial product purchase interface is provided
The displaying official documents and correspondence rule of the page, the portal page can refer to shown in Fig. 2: main body of a court verdict case are as follows: "+commodity name is earned out in financing ", auxiliary
Official documents and correspondence are as follows: " investment amount+investment time limit ".The official documents and correspondence rule is only for example, and specific official documents and correspondence can sets itself according to the actual situation.
It further, can Mass production financing entrance and the corresponding mould of application after multiple preference commodity of user have been determined
Plate is delivered to user, and specifically batch dispensing form can refer to Fig. 3.
Further, after the corresponding interface in user's operation financing portal page, financial product purchase is shown for user
The page；After the financial product of user's purchase obtains targeted yield, determine that this financing task is reached, and show task for user
Success page.Each specifically displayed page can refer to Fig. 4；
This specification embodiment also provides a kind of more specifically risk rule generation method, shown in Figure 5, this method
It may comprise steps of:
S501 determines user's according to the purchase data and/or collection data of the user that user generates on payment platform
Preference commodity；
S502 determines targeted yield according to the value of the preference commodity；
S503 inquires the year earning rate of different financial products, according to financial product described in the year income rate conversion
Income range, and then determine the profitability of the financial product；
S505, determine user can investment amount and user investment risk preference；
S506, in conjunction with the profitability of different financial products, user can investment amount and user investment risk preference,
Determine that user reaches the available financial product pond of the targeted yield；
S507 determines corresponding financing scene template according to targeted yield；
S508 manages money matters the preference commodity and destination financial product pond task according to the financing scene template generation,
And the financing task is delivered to user.
With reference to Fig. 6, a kind of schematic diagram of the financing task creating method provided for this specification under concrete application scene.
To the user A that Mr. Yu determines, the generating process for task of managing money matters particularly may be divided into four parts:
First part-user's commodity preference is excavated, and the specific living scene of user A is determined with this；
Different commodity values are converted into corresponding income location, such as 0-50 member, 50-300 member by second part-.
Part III-financial product profitability divides, and Primary Reference value is the year earning rate that financial product provides,
Gold and risk partiality are invested according to user, draws a circle to approve financial product range.
For Part IV-by the financial product pond of commodity preference and delineation, the dispensing for corresponding to foreground enters mouth template and product
Recommend in template.
Corresponding to above method embodiment, this specification embodiment also provides a kind of risk rule generating means, referring to Fig. 7
It is shown, the apparatus may include: preference determining module 710, income determining module 720, product determining module 730 and task are raw
At module 740.
Preference determining module 710: the behavioral data for being generated on payment platform according to user determines the preference of user
Commodity；
Income determining module 720: for determining targeted yield according to the value of the preference commodity；
Product determining module 730: for according to the profitability of different financial products and the investment attribute information of user, really
Determine user and reaches the available financial product pond of the targeted yield；
Task generation module 740: for generating financing task according to the preference commodity and the financial product pond.
In a kind of embodiment that this specification provides, the investment attribute information of the user includes at least throwing for user
The investment risk preference of capital amount and user.
In a kind of embodiment that this specification provides, the product determining module is specifically used for:
The year earning rate for inquiring different financial products, according to the income of financial product described in the year income rate conversion
Range, and then determine the profitability of the financial product.
In a kind of embodiment that this specification provides, the product determining module is specifically used for:
Corresponding financing scene template is determined according to targeted yield；
By the preference commodity and destination financial product pond, according to financing scene template generation financing task, and will
The financing task is delivered to user.
In a kind of embodiment that this specification provides, the financing scene template includes to show user's to enter mouth template
With the Products Show template further shown after user's operation entrance.
In a kind of embodiment that this specification provides, the behavioral data generated on payment platform according to user is extremely
Purchase data including user and/or collection data less.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes that aforementioned financing is appointed when executing described program
Business generation method, the method include at least:
The behavioral data generated on payment platform according to user determines the preference commodity of user；
Targeted yield is determined according to the value of the preference commodity；
According to the investment attribute information of the profitability of different financial products and user, determine that user reaches the target and receives
The available financial product pond of benefit；
Financing task is generated according to the preference commodity and the financial product pond.
Fig. 8 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Financing task creating method above-mentioned is realized when sequence is executed by processor, the method includes at least:
The behavioral data generated on payment platform according to user determines the preference commodity of user；
Targeted yield is determined according to the value of the preference commodity；
According to the investment attribute information of the profitability of different financial products and user, determine that user reaches the target and receives
The available financial product pond of benefit；
Financing task is generated according to the preference commodity and the financial product pond.
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.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
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.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several 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 device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (13)
1. a kind of financing task creating method, which comprises
The behavioral data generated on payment platform according to user determines the preference commodity of user；
Targeted yield is determined according to the value of the preference commodity；
According to the investment attribute information of the profitability of different financial products and user, determining that user reaches the targeted yield can
The financial product pond of selection；
Financing task is generated according to the preference commodity and the financial product pond.
2. the method as described in claim 1, the investment attribute information of the user include at least user can investment amount and
The investment risk preference of user.
3. the method as described in claim 1, the profitability of the different financial products of the determination, comprising:
The year earning rate for inquiring different financial products, according to the income model of financial product described in the year income rate conversion
It encloses, and then determines the profitability of the financial product.
4. the method as described in claim 1, described to generate financing task according to the preference commodity and the financial product pond,
Include:
Corresponding financing scene template is determined according to targeted yield；
By the preference commodity and destination financial product pond, according to financing scene template generation financing task, and will be described
Financing task is delivered to user.
5. method as claimed in claim 4, the financing scene template includes to show user's to enter mouth template and user behaviour
Make the Products Show template further shown after entrance.
6. the method as described in claim 1, the behavioral data generated on payment platform according to user, which includes at least, to be used
The purchase data and/or collection data at family.
7. a kind of financing task generating device, described device include:
Preference determining module: the behavioral data for being generated on payment platform according to user determines the preference commodity of user；
Income determining module: for determining targeted yield according to the value of the preference commodity；
Product determining module: for determining user according to the profitability of different financial products and the investment attribute information of user
Reach the available financial product pond of the targeted yield；
Task generation module: for generating financing task according to the preference commodity and the financial product pond.
8. device as claimed in claim 7, the investment attribute information of the user include at least user can investment amount and
The investment risk preference of user.
9. device as claimed in claim 7, the product determining module, are specifically used for:
The year earning rate for inquiring different financial products, according to the income model of financial product described in the year income rate conversion
It encloses, and then determines the profitability of the financial product.
10. device as claimed in claim 7, the product determining module, are specifically used for:
Corresponding financing scene template is determined according to targeted yield；
By the preference commodity and destination financial product pond, according to financing scene template generation financing task, and will be described
Financing task is delivered to user.
11. device as claimed in claim 10, the financing scene template includes to show user's to enter mouth template and user
The Products Show template further shown after operation entry.
12. device as claimed in claim 7, the behavioral data generated on payment platform according to user, which includes at least, to be used
The purchase data and/or collection data at family.
13. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes the method as described in claim 1 when executing described program.
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| CN113240472A (en) * | 2021-05-19 | 2021-08-10 | 深圳索信达数据技术有限公司 | Financial product recommendation method, electronic device and storage medium |
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| CN107481086A (en) * | 2017-06-28 | 2017-12-15 | 北京小度信息科技有限公司 | Information processing method and device |
| CN107609978A (en) * | 2017-10-10 | 2018-01-19 | 刘燕燕 | The experiencing system and its experiential method of a kind of investment and financing products |
| CN107977864A (en) * | 2017-12-07 | 2018-05-01 | 北京贝塔智投科技有限公司 | A kind of customer insight method and system suitable for financial scenario |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111199453A (en) * | 2019-12-02 | 2020-05-26 | 中国银行股份有限公司 | Product information pushing method, electronic equipment and storage medium |
| CN113240472A (en) * | 2021-05-19 | 2021-08-10 | 深圳索信达数据技术有限公司 | Financial product recommendation method, electronic device and storage medium |
| CN113240472B (en) * | 2021-05-19 | 2024-02-02 | 深圳索信达数据技术有限公司 | Financial product recommendation method, electronic equipment and storage medium |
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