CN110929155B - Product information recommendation method and device, electronic equipment and storage medium - Google Patents
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Abstract
The invention discloses a product information recommendation method, a device, electronic equipment and a storage medium, wherein the method comprises the following steps: obtaining user information, wherein the user information comprises: user basic information and trade data; determining trade risk information existing in the user according to the user information; matching at least one product according to the trade risk information, and performing damage analysis on the at least one product to generate damage data; and sending the damage and benefit data of at least one product and the purchase information thereof to the user so as to facilitate the selection of the user. The invention can improve the purchase experience of the user.
Description
Technical Field
The present invention relates to the field of information processing, and in particular, to a product information recommendation method, device, electronic apparatus, and storage medium.
Background
With the development of economic technology, enterprises participate in more and more external trade business, and financial market risks facing the enterprises are also larger and larger. In the external trade business, the buyer company usually does not pay the money directly to the seller company, but firstly pays the money to the seller company by the financial institution, and after a period of time, the buyer company pays the money to the seller company, but the financial institution pays one currency (the currency of the country where the seller company is located) to the seller company, and the buyer company pays another currency (the currency of the country where the buyer company is located) to the financial institution, and as the currency exchange rate is changed in real time, the buyer company may face the foreign exchange risk when paying the money after a period of time.
To reduce or eliminate the impact of foreign exchange risk on an enterprise, the enterprise typically purchases some financial market products to achieve control over the foreign exchange risk. Statistically, at present, most enterprises do not fully understand the foreign exchange risk faced by the enterprises and the influence of the financial market products on foreign exchange risk control, so that a foreign exchange risk control strategy is not adopted. Some enterprises only rely on own knowledge of the financial market products to purchase some financial market products to reduce or eliminate the risk of foreign exchange faced by the enterprises, so that the enterprises experience less in the purchase process.
Disclosure of Invention
In view of the above, the present invention provides a product information recommendation method, apparatus, electronic device and storage medium to solve at least one of the above-mentioned problems.
According to a first aspect of the present invention, there is provided a product information recommendation method, the method comprising: obtaining user information, wherein the user information comprises: user basic information and trade data; determining trade risk information existing in the user according to the user information; matching at least one product according to the trade risk information, and performing damage and benefit analysis on the at least one product to generate damage and benefit data; and sending the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the selection of the user.
Preferably, after obtaining the user information, the method further comprises: and constructing a user portrait of the user based on knowledge graph technology according to the user information.
Further, the trade data includes: the trade party information, the trade period and the trade amount, and determining trade risk information existing for the user according to the user information comprises the following steps: and determining trade risk information existing in the user according to the trade data and the user portrait.
Further, the user basic information includes: the industry category, the method further comprising: acquiring purchase data of the user of the industry class for the at least one product; the purchase data is transmitted to the user in a predetermined form.
According to a second aspect of the present invention, there is provided a product information recommendation apparatus, the apparatus comprising: an information acquisition unit configured to acquire user information including: user basic information and trade data; a risk determining unit, configured to determine trade risk information existing in the user according to the user information; a matching unit for matching at least one product according to the trade risk information; the profit-and-loss data generation unit is used for carrying out profit-and-loss analysis on the at least one product to generate profit-and-loss data; and the information sending unit is used for sending the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the selection of the user.
Preferably, the apparatus further comprises: and the user portrait construction unit constructs the user portrait of the user based on the knowledge graph technology according to the user information.
Further, the risk determination unit is specifically configured to: determining trade risk information present by the user based on the trade data and the user profile, wherein the trade data comprises: the trade party information, the trade period, and the trade amount.
Further, the user basic information includes: the industry category, the apparatus further comprising: a purchase data acquisition unit configured to acquire purchase data of the user of the belonging industry category for the at least one product; and the purchase data transmitting unit is used for transmitting the purchase data to the user in a preset form.
According to a third aspect of the present invention, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the product information recommendation method described above when executing the program.
According to a fourth aspect of the present invention, there is provided a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the product information recommendation method described above.
According to the technical scheme, the trade risk information of the user is determined according to the user information, at least one product is matched based on the trade risk information, and the damage and benefit data of the product and the purchase information thereof are sent to the user so that the user can select to purchase.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a product information recommendation method according to an embodiment of the present invention;
FIG. 2 is a specific flowchart of a product information recommendation method according to an embodiment of the present invention;
FIG. 3 is a schematic illustration of company A cash flow according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a product information recommendation flow according to an embodiment of the invention;
FIG. 5 is an exemplary interface diagram for recommending product information to a customer in accordance with an embodiment of the present invention;
FIG. 6 is another example interface diagram for recommending product information to a customer in accordance with an embodiment of the present invention;
FIG. 7 is a schematic diagram of product information recommended for company A according to an embodiment of the present invention;
FIGS. 8 (a) -8 (c) are graphs of the various policies recommended for company A at different times according to an embodiment of the present invention;
fig. 9 is a block diagram of a product information recommending apparatus according to an embodiment of the present invention;
FIG. 10 is a detailed block diagram of a product information recommending apparatus according to an embodiment of the present invention;
fig. 11 is a schematic diagram of an electronic device according to an embodiment of the invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are some embodiments of the present invention, but not all embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In the prior art, when some enterprises conduct foreign trade business, only depend on own knowledge of financial market products, and the foreign exchange risks faced by the enterprises are reduced or eliminated by purchasing some financial market products, so that the enterprises experience lower in the process of purchasing the products. Based on the above, the embodiment of the invention provides a product information recommendation scheme based on enterprise trade, which helps enterprises reduce or eliminate foreign exchange risks faced by the enterprises, and improves experience of users of the enterprises. Embodiments of the present invention are described in detail below with reference to the accompanying drawings.
Fig. 1 is a flowchart of a product information recommendation method according to an embodiment of the present invention, as shown in fig. 1, the method including:
step 101, obtaining user information, wherein the user information comprises: user basic information and trade data;
step 102, determining trade risk information existing in the user according to the user information;
step 103, matching at least one product according to the trade risk information, and carrying out damage analysis on the at least one product to generate damage data;
and 104, transmitting the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the selection of the user.
By determining the trade risk information existing in the user according to the user information, matching at least one product based on the trade risk information, and sending the damage and benefit data of the product and the purchase information thereof to the user so as to facilitate the user to select to purchase.
In actual operation, the user portrait can be constructed based on knowledge graph technology, so that trade risk information existing in the user can be more intuitively analyzed and judged. Generally, trade data includes: the trade side information, trade period and trade amount are analyzed by user portrayal for trade risk information, such as foreign exchange risk.
It should be noted that the knowledge graph technology may be referred to as knowledge domain visualization or knowledge domain mapping map technology, and the development process and the structural relationship between the user information may be displayed by the knowledge graph technology, and the interconnection between the user information may be described by the visualization technology, so as to form a user portrait.
Specifically, the user basic information may include: belongs to industry category, enterprise scale, etc. When recommending products to users, the purchasing data of the users in the industry about the recommended products can be sent, and the purchasing data can be in the form of tables and diagrams, so that the users can be more conveniently and intuitively helped to select the products.
The user basic information may further include: whether the user is an online banking user or whether the user is registered for the electronic transaction platform, so that the product information can be pushed through the online banking or the electronic transaction platform, the user can conveniently purchase products from different channels, and the product information comprises: product damage data, purchase information of users in the industry, and the like.
For the user, the product information is directly recommended to the user, so that the user can conveniently and quickly select to purchase, and the user experience and transaction capability can be improved. And through indirect recommendation of a client manager, more specialized and customized experience can be brought to the user, and the user experience feeling and marketing efficiency can be better improved.
Embodiments of the present invention are described in detail below based on banking transactions.
Fig. 2 is a specific flowchart of a product information recommendation method according to an embodiment of the present invention, as shown in fig. 2, for stock customers who do trade and pay business in a bank, the type of trade and pay business (e.g., settlement/guarantee/financing) made by the customers is obtained, customer information, such as label information of industry category, enterprise scale, import and export, trade scale, etc., is extracted, and a differentiated scenario is constructed. And then, combing the exposed risk exposure (such as exchange rate risk/interest rate risk/commodity risk) of the customer in the scene, setting a trade-money product and financial market product comparison strategy tree based on business logic, matching a proper financial market product for the customer, and automatically triggering pushing information.
In general, marketing channels can be divided into two categories: the client can directly push the information to the client through the client, provided that the client is registered in a banking enterprise network bank (e.g. BOCNETC-D-WENT) or an electronic transaction platform (e.g. XPADS), and can push the information through a short message channel; another category is to push information to a customer manager through a customer management end, such as a global corporate financial customer service platform (e.g., GSP), and then to recommend the information indirectly to the customer by the customer manager in interviews, phone calls, or text messages. When the client or the client manager receives the push message, clicking the message pops up an interface to display recommended product information, and specifically, the client can adopt a damage and benefit line graph of different strategies, a strategy intention pie graph of other users in the industry to which the client belongs, and the like, which are dynamically changed according to real-time quotation of financial market products, so that the client can refer to the information.
The customer can finish the pre-marketing of the financial market products according to the subjective selection strategy of judging the exchange rate trend, if the customer is confused, the customer can seek the assistance of financial market staff, and meanwhile, the customer information and the recommendation strategy can be synchronously sent to the financial market staff, so that the communication efficiency is improved. When the customer selects a product, a transaction may be conducted.
By matching recommended products based on business risks of the clients, foreign exchange risks faced by the clients can be reduced, sales of products in the financial market are promoted, and experience of purchasing the products by the clients can be improved.
For a better understanding of the embodiments of the present invention, an example is given below based on banking financial transactions.
Company a is a large communication equipment manufacturer, 8 months 2018 needs to import a communication instrument from company B in the united states, the cost is 1000 ten thousands dollars, however, company a is in tension in funds, so that 24 days 2018 8 hours find out a bank to issue a credit card to company B, the bank pays the united states supplier, and after three months, company a pays the bank.
According to the above description, 24 th 2018 is the time of payable amount of the a company, but since the funds of the a company are tension, the a company selects to pay by bank instead, and 28 th 2018 11 th due date, the a company makes actual payment action. The two time points are three months apart, during which time USD/CNY (dollar/renminbi) exchange rate fluctuations lead to company a being likely to be exposed to foreign exchange risks. FIG. 3 is a schematic diagram of the cash flow of company A.
According to the embodiment of the invention, the product information recommendation flow shown in fig. 4 is performed for the company a, as shown in fig. 4, customer type analysis is performed on the company a, current trade information of the company a is obtained, customer labels, such as industry types, enterprise scale, import and export, trade scale, trade currency, trade period and other label information of the company a, a user portrait is constructed based on a knowledge graph technology, risk exposure (such as foreign exchange risk caused by rising of dollar exchange rate) of the company a is further judged, then appropriate financial products are matched, and product information is pushed to the company a through a marketing channel so that the company a can conveniently select and purchase.
Suppose that the USD/CNY spot rate for the A company's payment date 2018, 11, 28 is R 1 Next, the damage and benefit of the four strategies shown in fig. 4 are analyzed.
Strategy 1: long-term junction selling and gathering device
The three month deadline offers for the bank's long-term purchases at 24 am at 8.2018 are shown in table 1 below:
| money item | Time limit | Day of rest | Long-term exchange rate |
| USD | For 3 months | 2018/11/28 | 6.9333 |
TABLE 1
The rules of the product are: the long term exchange rate for the three month period was 6.9333.
According to the product rules, if the customer is working in the long-term purchase and sink product at the bank:
whether R is 1 What value the policy is adopted for is (R 1 6.9333). Times.1000 ten thousand RMB.
Strategy 2: interval treasure
The exchange rate offers for the bank interval treasures for the three month period at 24 am at 8 2018 are shown in table 2 below:
| money item | Time limit | Day of rest | Interval exchange rate |
| USD | For 3 months | 2018/11/28 | 6.9193-6.9194 |
TABLE 2
The rules of the product are: if the on-demand exchange rate is lower than the interval lower limit at the expiration time, the client purchases the exchange according to the lower limit exchange rate; above the upper limit of the interval, the client purchases the exchange at the upper limit exchange rate.
According to the product rules, if the customer is working in the bank for the interval treasures:
if R is 1 6.9193, the damage due to this strategy is (R 1 -6.9193) x 1000 ten thousand RMB;
if R is 1 Is equal to or more than 6.9194, and the damage and benefit of the strategy is (R 1 6.9194). Times.1000 ten thousand RMB.
Strategy 3: capping long term
The long term exchange rate quotes for the bank capping long term three month period at 24 am at 8.2018 are shown in table 3 below:
| money item | Time limit | Day of rest | Top-capped long-term exchange rate | Agreement exchange rate | Benefit of |
| USD | For 3 months | 2018/11/28 | 6.9193-6.9194 | 6.95 | 400BP |
TABLE 3 Table 3
The rules of the product are: if the spot exchange rate is less than or equal to 6.9193, the client needs to purchase and exchange with the bank according to 6.9193; if 6.9194 is less than or equal to the immediate exchange rate is less than or equal to 6.95, clients need to purchase and exchange with banks according to 6.9194; if the spot rate is greater than 6.95, the customer obtains 400BP revenue, purchases the sink according to the spot rate, and the actual purchase sink cost is-0.04 of the spot rate.
According to the product rules, if the customer is working on the capped remote product at the bank:
if R is 1 6.9193, the damage due to this strategy is (R 1 -6.9193) x 1000 ten thousand RMB;
if 6.9194 is less than or equal to R 1 Less than or equal to 6.95, the damage and benefit of the strategy is (R 1 -6.9194) x 1000 ten thousand RMB;
if R is 1 The damage and benefit of the strategy is 40 ten thousand RMB more than 6.95.
Strategy 4: buying and looking up options
The bid amount for the three month period for the bank to buy the options for the expansion at 24 am at 8 in 2018 is shown in table 4 below:
| money item | Time limit | Day of rest | Agreement exchange rate | Option fee |
| USD | For 3 months | 2018/11/28 | 6.83 | 1177BP |
TABLE 4 Table 4
The rules of the product are: when the on-demand exchange rate is expired, if the on-demand exchange rate is higher than the agreement exchange rate, the clients can purchase exchanges according to the agreement exchange rate; otherwise, the clients give up options and purchase the exchange at the on-demand exchange rate. The product does not occupy the guarantee.
According to the product rules, if the customer is working on the product at the bank:
if R is 1 The client can give up the right of the way and adopt the policy of minus 117.7 ten thousand RMB;
if R is 1 > 6.83, client rights, the profit-and-loss with this policy is (R 1 6.9477). Times.1000 ten thousand RMB.
According to the financial market product rules, under the condition that the expiration date is dynamically changed, the client adopts the damage conditions of the four strategies. And counting strategy intention distribution conditions of other clients in the industry to which the client belongs based on the big data technology through the extracted client labels. After the statistical analysis is completed, the statistical analysis is pushed to company A in the form of a message to facilitate the reference purchase of company A.
FIG. 5 is an exemplary diagram of recommending product information to a customer, and if the customer is a registered user of the electronic transaction platform, the recommendation can be made to the customer through the electronic transaction platform, and the customer can view the product recommendation by clicking information push, as shown in FIG. 5.
FIG. 6 is another example diagram of recommending product information to a customer, as shown in FIG. 6, if the customer is a registered user of the banking global services platform, the recommendation may be made to the customer via the banking global services platform, and the customer may view the product recommendation by clicking on the marketing dynamics.
When the user clicks information push or clicks the marketing dynamic, a product information diagram shown in fig. 7 is displayed, and as shown in fig. 7, the damage and benefit data under the three strategies, the strategy intention distribution condition of the industry to which the client belongs and the purchasing path and the consulting channel are statistically analyzed on the diagram, so that the client can conveniently select and purchase.
Fig. 8 (a) -8 (c) are graphs of the damage and benefit of each policy at different time instants, and as shown in fig. 8 (a) -8 (c), fig. 8 (a) shows time instant T0:2018, 6/R 20 The damage profile= 6.3765, fig. 8 (b) shows the time T1:2018, 7, 6, R 21 The damage profile= 6.6355, fig. 8 (c) shows time T2: 8.8.8.8. R 22 A damage profile of = 6.8133.
When a user places the mouse on the damage map, damage conditions of different strategies are displayed under the exchange rate of the mouse.
The embodiment of the invention constructs the user differentiated scene and the user portrait by analyzing the client service based on big data and knowledge graph technology, provides customized service for the client, realizes accurate marketing centered on the client, improves the client relationship and improves the experience of the user for purchasing the product.
Based on similar inventive concepts, the embodiments of the present invention also provide a product information recommendation apparatus, which is preferably used to implement the above-mentioned method.
Fig. 9 is a block diagram of a product information recommending apparatus according to an embodiment of the present invention, as shown in fig. 9, the apparatus comprising: an information acquisition unit 71, a risk determination unit 72, a matching unit 73, a damage-benefit data generation unit 74, and an information transmission unit 75, wherein:
an information acquisition unit 71 for acquiring user information including: user basic information and trade data;
a risk determination unit 72 for determining trade risk information present for the user based on the user information;
a matching unit 73 for matching at least one product according to the trade risk information;
a benefit data generation unit 74 for performing a benefit analysis on the at least one product to generate benefit data;
and an information transmitting unit 75 for transmitting the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the user's selection.
The risk determining unit 72 determines trade risk information of the user according to the user information acquired by the information acquiring unit 71, the matching unit 73 matches at least one product based on the trade risk information, and then the information transmitting unit 75 transmits the product damage data and the purchase information generated by the damage data generating unit 74 to the user so that the user selects to purchase, compared with the prior art that the user only purchases the product by means of own judgment to reduce or eliminate the trade risk facing the product, the embodiment of the invention recommends the product based on the trade risk information, the trade risk facing the enterprise can be reduced or eliminated better, and the purchase experience of the user can be improved by transmitting the damage data and the purchase information of the product to the user.
Preferably, as shown in fig. 10, the above device further includes: and a user portrait construction unit 76 for constructing a user portrait of the user based on the knowledge-graph technique based on the user information. In this way, by constructing the user representation by the user representation construction unit 76, trade risk information present by the user can be more accurately analyzed.
The trade data specifically includes: the merchant information, the merchant period, and the merchant amount, and the risk determination unit 72 may determine the merchant risk information present by the user based on the merchant data and the user profile after the user profile construction unit 76 constructs the user profile.
Preferably, the user basic information may further include: belongs to the industry category.
With continued reference to fig. 10, the apparatus further includes: a purchase data acquisition unit 77, and a purchase data transmitting unit 78, wherein:
a purchase data obtaining unit 77 for obtaining purchase data of the user of the belonging industry category for the at least one product;
a purchase data transmitting unit 78 for transmitting the purchase data to the user in a predetermined form.
By transmitting the data of purchasing recommended products by the affiliated industry user to the user through the purchase data transmitting unit 78, the user can conveniently refer to and select the purchased products.
Specifically, the information transmitting unit 75 and the purchase data transmitting unit 78 may be provided in combination to transmit the product information as shown in fig. 7 and the damage graphs of the policies at different times as shown in fig. 8 (a) -8 (c) so as to facilitate the user to select and purchase the product.
The specific implementation process of each unit may be referred to the description in the above method embodiment, and will not be repeated here.
In actual operation, the above units may be combined or may be singly disposed, and the present invention is not limited thereto.
Fig. 11 is a schematic diagram of an electronic device according to an embodiment of the invention. The electronic device shown in fig. 11 is a general-purpose data processing apparatus including a general-purpose computer hardware structure including at least a processor 901 and a memory 902. The processor 901 and the memory 902 are connected by a bus 903. The memory 902 is adapted to store one or more instructions or programs executable by the processor 901. The one or more instructions or programs are executed by the processor 901 to implement the steps in the product information recommendation method described above.
The processor 901 may be a separate microprocessor or may be a set of one or more microprocessors. Thus, the processor 901 performs the process of data and control of other devices by executing the commands stored in the memory 902, thereby executing the method flow of the embodiment of the present invention as described above. The bus 903 connects the above components together, while connecting the above components to the display controller 904 and display device and input/output (I/O) device 905. Input/output (I/O) device 905 may be a mouse, keyboard, modem, network interface, touch input device, somatosensory input device, printer, and other devices known in the art. Typically, an input/output (I/O) device 905 is connected to the system through an input/output (I/O) controller 906.
The memory 902 may store software components such as an operating system, communication modules, interaction modules, and application programs, among others. Each of the modules and applications described above corresponds to a set of executable program instructions that perform one or more functions and methods described in the embodiments of the invention.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when being executed by a processor, implements the steps of the product information recommendation method described above.
In summary, the embodiment of the invention analyzes the user information and the current business performed by the user, extracts the user tag, determines the foreign exchange risk faced by the user according to the extracted user tag, further matches the corresponding financial market product, and then pushes the product information to the user directly or indirectly, so that the user can purchase the product information conveniently.
Preferred embodiments of the present invention are described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments which fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principles and embodiments of the present invention have been described in detail with reference to specific examples, which are provided to facilitate understanding of the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (6)
1. A product information recommendation method, the method comprising:
obtaining user information, wherein the user information comprises: user basic information and trade data; the user information is enterprise user information;
determining trade risk information existing in the user according to the user information; the trade risk information includes at least one of exchange rate risk, interest rate risk, and commodity risk;
matching at least one product according to the trade risk information, and performing damage and benefit analysis on the at least one product to generate damage and benefit data;
transmitting the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the user to select;
after obtaining the user information, the method further comprises:
constructing a user portrait of the user based on knowledge graph technology according to the user information;
the trade data includes: the trade party information, the trade period and the trade amount, and determining trade risk information existing for the user according to the user information comprises the following steps:
and determining trade risk information existing in the user according to the trade data and the user portrait.
2. The product information recommendation method according to claim 1, wherein the user basic information includes: the industry category, the method further comprising:
acquiring purchase data of the user of the industry class for the at least one product;
the purchase data is transmitted to the user in a predetermined form.
3. A product information recommendation device, the device comprising:
an information acquisition unit configured to acquire user information including: user basic information and trade data; the user information is enterprise user information;
a risk determining unit, configured to determine trade risk information existing in the user according to the user information; the trade risk information includes at least one of exchange rate risk, interest rate risk, and commodity risk;
a matching unit for matching at least one product according to the trade risk information;
the profit-and-loss data generation unit is used for carrying out profit-and-loss analysis on the at least one product to generate profit-and-loss data;
an information transmitting unit for transmitting the damage and benefit data of the at least one product and the purchase information thereof to the user so as to facilitate the user to select;
the apparatus further comprises:
a user portrait construction unit for constructing a user portrait of the user based on the knowledge graph technology according to the user information;
the risk determination unit is specifically configured to:
determining trade risk information present by the user based on the trade data and the user profile, wherein the trade data comprises: the trade party information, the trade period, and the trade amount.
4. The product information recommendation device of claim 3, wherein the user basic information includes: the industry category, the apparatus further comprising:
a purchase data acquisition unit configured to acquire purchase data of the user of the belonging industry category for the at least one product;
and the purchase data transmitting unit is used for transmitting the purchase data to the user in a preset form.
5. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the product information recommendation method of claim 1 or 2 when the program is executed by the processor.
6. A computer readable storage medium having stored thereon a computer program, characterized in that the computer program when executed by a processor realizes the steps of the product information recommendation method according to claim 1 or 2.
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| CN112948695A (en) * | 2021-03-31 | 2021-06-11 | 中国工商银行股份有限公司 | User portrait based general financial fast loan product recommendation method and device |
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| CN110400185A (en) * | 2019-07-31 | 2019-11-01 | 中国工商银行股份有限公司 | Products Show method and system |
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| KR101456818B1 (en) * | 2013-08-30 | 2014-10-31 | 칼 정춘 임 | Method and Apparatus for Generating Trade Action to Manage Financial Market Risk and Record Medium Storing Program for Executing The Same |
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| CN107679946A (en) * | 2017-09-28 | 2018-02-09 | 平安科技（深圳）有限公司 | Fund Products Show method, apparatus, terminal device and storage medium |
| CN110400185A (en) * | 2019-07-31 | 2019-11-01 | 中国工商银行股份有限公司 | Products Show method and system |
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