CN111401985A

CN111401985A - Information display method and device, storage medium and electronic device

Info

Publication number: CN111401985A
Application number: CN202010126587.6A
Authority: CN
Inventors: 徐长焕; 孔祥威; 任鹏远; 谷金冬; 苏杰; 宋佳骏
Original assignee: JD Digital Technology Holdings Co Ltd
Current assignee: JD Digital Technology Holdings Co Ltd
Priority date: 2020-02-26
Filing date: 2020-02-27
Publication date: 2020-07-10
Anticipated expiration: 2040-02-27
Also published as: CN111401985B

Abstract

The application provides a method and a device for displaying information, a storage medium and an electronic device, wherein the method comprises the following steps: determining a target resource ratio of the target object according to the product exchange level and the object information of the target object, wherein the target resource ratio is the proportion of exchange resources of each product type in a plurality of product types, which are set for the target object by the product exchange platform, to total exchange resources of the target object, and each product type allows for exchanging one or more products; determining the exchange resources of each product type according to the target resource ratio and the total exchange resources; determining a target exchange product and a target exchange resource of the target exchange product under each product type according to the exchange resource of each product type; and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object. By the method and the device, the problem that in the related technology, the configuration of the article adjusting scheme is unreasonable in the manner that a user manually adjusts and exchanges articles is solved.

Description

Information display method and device, storage medium and electronic device

Technical Field

The present application relates to the field of computers, and in particular, to a method and an apparatus for displaying information, a storage medium, and an electronic apparatus.

Background

At present, the financial products in the financial market are various in types and large in quantity. The investor may invest in a manner that manually selects a financial product for purchase. However, due to the wide variety of financial products, it is difficult for non-professional investors to select investment targets. Moreover, most investors need to stare at the market for a long time, and due to the lack of an effective investment scheme, the investment is likely to be made in a rising, falling and killing manner.

Therefore, the related art manner in which the user manually makes a financial product purchase has a problem in that the product purchase scheme is not configured properly.

At present, products on the market are various in types and large in quantity. The user may exchange products by manually selecting a way to exchange financial products. However, due to the wide variety of products, it is difficult for non-professionals to select investment targets. Therefore, in the related art, the user manually adjusts the manner of exchanging articles, and the problem that the configuration of the article adjusting scheme is not reasonable exists.

Disclosure of Invention

The embodiment of the application provides an information display method and device, a storage medium and an electronic device, and aims to solve at least the problem that in the related technology, the configuration of a product purchase scheme is unreasonable in a mode that a user manually purchases a financial product or the configuration of an article adjustment scheme is unreasonable in a mode that the user manually adjusts and exchanges articles.

According to an aspect of an embodiment of the present application, there is provided a method of recommending a financial product, including: determining a target asset proportion of the target object according to the intelligent investment grade and the object information of the target object, wherein the target asset proportion is the proportion of the investment sum of each asset type in a plurality of asset types which are configured for the target object by the intelligent investment system to the total investment sum, and each asset type allows one or more financial products to be configured; determining the investment amount of each asset type according to the target asset proportion and the total investment amount; determining a recommended financial product and a recommended purchase amount of the recommended financial product under each asset type according to the investment amount of each asset type; recommending the recommended financial product and the recommended purchase amount of the recommended financial product to the target object.

Optionally, determining the recommended financial product and the recommended purchase amount of the recommended financial product under each asset type according to the investment amount of each asset type comprises: inquiring a financial product white list and/or a fund pool according to the asset types to obtain a recommended financial product under each asset type; and allocating the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

Optionally, querying a financial product white list and/or a fund pool according to the asset types to obtain a recommended financial product under each asset type includes: querying a financial product white list according to the asset types to obtain a first quantity of first financial products belonging to each asset type in the financial product white list; determining a target number of first financial products as recommended financial products under each asset type if the first number is greater than or equal to the target number; under the condition that the first quantity is smaller than the target quantity, inquiring the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products; wherein the target quantity is a quantity of financial products configurable under each asset type.

Optionally, querying the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type comprises: determining whether the target object allows for recommending financial products other than a white list of financial products; in the event that the target object allows for recommendation of financial products other than the white list of financial products, the fund pool is queried according to asset type to obtain a second quantity of second financial products under each asset type.

Optionally, querying the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type comprises: sequentially acquiring financial products to be recommended belonging to a target asset type according to the sequence of the scores of the financial products in the fund pool from high to low, wherein the target asset type is the currently processed asset type in the multiple asset types; and under the condition that the financial product to be recommended needs to be subjected to face signing and the target object is subjected to face signing on the financial product to be recommended, determining the financial product to be recommended as a second financial product under the target asset type.

Optionally, the allocating the investment amount of each asset type to the recommended financial product under each asset type according to a target proportion, and obtaining the recommended purchase amount of the recommended financial product includes: and averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

Optionally, determining the target asset proportion of the target object according to the intelligent investment level of the target object and the object information of the target object includes: determining a standard asset ratio corresponding to the intelligent investment grade according to the intelligent investment grade of the target object; and adjusting the standard asset proportion according to the object information of the target object to obtain the target asset proportion of the target object.

According to another aspect of an embodiment of the present application, there is provided a recommendation apparatus for a financial product, including: the first determining unit is used for determining a target asset proportion of a target object according to the intelligent investment grade and the object information of the target object, wherein the target asset proportion is the proportion of the investment sum of each asset type in a plurality of asset types which are configured for the target object by an intelligent investment system to the total investment sum, and each asset type allows one or more financial products to be configured; the second determining unit is used for determining the investment amount of each asset type according to the target asset proportion and the total investment amount; a third determining unit, configured to determine, according to the investment amount of each asset type, a recommended financial product and a recommended purchase amount of the recommended financial product under each asset type; and the recommending unit is used for recommending the recommended financial products and the recommended purchase amount of the recommended financial products to the target object.

Optionally, the third determining unit includes: the query module is used for querying a financial product white list and/or a fund pool according to the asset types to obtain recommended financial products under each asset type; and the allocation module is used for allocating the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

Optionally, the query module includes: the first query submodule is used for querying the financial product white list according to the asset types to obtain a first quantity of first financial products belonging to each asset type in the financial product white list; a determining submodule for determining a target number of first financial products as recommended financial products for each asset type if the first number is greater than or equal to the target number; the second inquiry submodule is used for inquiring the fund pool according to the asset types under the condition that the first quantity is smaller than the target quantity to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products; wherein the target quantity is a quantity of financial products configurable under each asset type.

Optionally, the second query submodule includes: a first determining subunit for determining whether the target object allows recommendation of a financial product other than the financial product white list; and the first query subunit is used for querying the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type under the condition that the target object allows the recommendation of financial products except the financial product white list.

Optionally, the second query submodule includes: the system comprises an acquisition subunit, a recommendation processing subunit and a recommendation processing subunit, wherein the acquisition subunit is used for sequentially acquiring the financial products to be recommended belonging to a target asset type according to the order from high to low of the scores of the financial products in the fund pool, and the target asset type is the currently processed asset type in a plurality of asset types; and the second determining subunit is used for determining the financial product to be recommended as a second financial product under the target asset type under the condition that the financial product to be recommended needs to be subjected to surface signing and the target object is subjected to surface signing on the financial product to be recommended.

Optionally, the allocation module comprises: and the distribution submodule is used for averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

Optionally, the first determination unit includes: determining a standard asset ratio corresponding to the intelligent investment grade according to the intelligent investment grade of the target object; and adjusting the standard asset proportion according to the object information of the target object to obtain the target asset proportion of the target object.

According to a further embodiment of the application, there is also provided a computer-readable storage medium, in which a computer program is stored, wherein the computer program is arranged to perform the steps of any of the above-described method embodiments when executed.

According to yet another embodiment of the present application, there is also provided an electronic device, comprising a memory in which a computer program is stored and a processor arranged to run the computer program to perform the steps of any of the above method embodiments.

According to another embodiment of the present application, there is also provided an information display method, including: determining a target resource ratio of the target object according to the product exchange grade and the object information of the target object, wherein the target resource ratio is the ratio of exchange resources of each product type in a plurality of product types, which are set for the target object by a product exchange platform, to total exchange resources of the target object, and each product type allows exchange of one or more products; determining the exchange resources of each product type according to the target resource ratio and the total exchange resources; determining a target exchange product and a target exchange resource of the target exchange product under each product type according to the exchange resource of each product type; and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

According to another embodiment of the present application, there is also provided an information display apparatus including: the first determining unit is used for determining a target resource ratio of the target object according to the product exchange level and the object information of the target object, wherein the target resource ratio is the ratio of exchange resources of each product type in a plurality of product types, which are set for the target object by the product exchange platform, to total exchange resources of the target object, and each product type allows the exchange of one or more products; the second determining unit is used for determining the exchange resource of each product type according to the target resource ratio and the total exchange resource; a third determining unit, configured to determine, according to the exchange resource of each product type, a target exchange product and a target exchange resource of the target exchange product in each product type; and the display unit is used for displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

According to the method, the intelligent investment system is used for recommending financial products according to the intelligent investment grade and the object information of an investor, and the target asset proportion of a target object is determined according to the intelligent investment grade and the object information of the target object, wherein the target asset proportion is the proportion of the investment amount of each asset type in a plurality of asset types allocated to the target object by the intelligent investment system to the total investment amount, and one or more financial products are allowed to be allocated to each asset type; determining the investment amount of each asset type according to the target asset proportion and the total investment amount; determining a recommended financial product and a recommended purchase amount of the recommended financial product under each asset type according to the investment amount of each asset type; the method and the system recommend the financial products and the recommended purchase amount of the recommended financial products to the target object, and since the financial products are recommended according to the intelligent investment level of the investor and the object information, the energy consumption of the user can be reduced, and the recommended financial products are ensured to be in line with the purchase expectation of the investor, so that the problem that the product purchase scheme configuration is unreasonable in the manual financial product purchase mode of the user in the related art is solved.

By the method and the device, the product exchange grade and the object information of the target object are adopted to carry out product exchange recommendation, so that the energy consumption of a user can be reduced, and the recommended exchange product is ensured to meet the expectation of the user, so that the problem that in the related technology, the configuration of an article adjusting scheme is unreasonable due to the fact that the user manually adjusts the article exchange mode is solved.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art to obtain other drawings without any inventive exercise.

FIG. 1 is a block diagram of an alternative server hardware configuration according to an embodiment of the present application;

FIG. 2 is a schematic flow chart diagram illustrating an alternative method for recommending financial products according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative method of recommending financial products according to an embodiment of the present application;

FIG. 4 is a schematic flow chart diagram illustrating an alternative method for recommending financial products according to an embodiment of the present application;

FIG. 5 is a schematic flow chart diagram illustrating an alternative method for recommending financial products according to an embodiment of the present application;

fig. 6 is a block diagram illustrating an alternative recommendation apparatus for financial products according to an embodiment of the present application.

Detailed Description

The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments. It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict.

It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order.

First, partial nouns or terms appearing in the process described for the present embodiment are applicable to the following explanations:

(1) the intelligent investment (intelligent investment for short) is also called robot investment (robo-advisor), which applies the technologies of cloud computing, big data, artificial intelligence and the like to apply other financial investment theories such as asset combination theory and the like to a model, then inputs variables such as risk preference, financial status, financing planning and the like of investors into the model, generates automatic, intelligent and personalized asset configuration suggestions for users, and realizes tracking and automatic adjustment on the combination, namely, automatically configures an investment scheme for the investors according to investment parameter information of the investors.

(2) Risk bearing Capacity grade the risk bearing capacity grade is used for evaluating the strength of the risk bearing capacity of an investor on financial products such as funds, and the grade can be divided into five grades, wherein the grades are respectively from low to high: a1 (conservative), a2 (robust), A3 (balanced), a4 (growth), a5 (access), the product risk grades corresponding to them can be classified as: r1 (cautious), R2 (robust), R3 (equilibrium), R4 (invasive), R5 (aggressive).

(3) Financial products refer to various carriers of the process of financing, corresponding to different asset types of investors. Financial products may be classified into different categories according to different classification criteria. For example, by broad classification, asset types can be classified as: cash, bonds, stocks, gold, overseas.

It should be noted that the above-mentioned classification of the risk tolerance level and the financial product name are only examples, and other risk tolerance classification manners (for example, the number of grades, the grade name, etc.), the tolerance evaluation manner, and the financial product classification manner may be applied to the embodiments of the present application.

According to an aspect of an embodiment of the present application, there is provided a recommendation method of a financial product. Alternatively, the method may be performed in a server, a smart patron back-office, or similar device. Taking an example of an application running on a server, fig. 1 is a block diagram of a hardware structure of an optional server according to an embodiment of the present application. As shown in fig. 1, the server 10 may include one or more processors 102 (only one is shown in fig. 1) (the processor 102 may include, but is not limited to, a processing device such as an MCU (micro controller unit) or an FPGA (Field Programmable Gate Array)) and a memory 104 for storing data, and optionally, a transmission device 106 for communication function and an input/output device 108. It will be understood by those skilled in the art that the structure shown in fig. 1 is only an illustration, and is not intended to limit the structure of the server. For example, the server 10 may also include more or fewer components than shown in FIG. 1, or have a different configuration than shown in FIG. 1.

The memory 104 may be used to store computer programs, for example, software programs and modules of application software, such as computer programs corresponding to the recommendation method for financial products in the embodiment of the present application, and the processor 102 executes various functional applications and data processing by running the computer programs stored in the memory 104, so as to implement the above-mentioned methods. The memory 104 may include high speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory located remotely from processor 102, which may be connected to server 10 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.

The transmission device 106 is used to receive or transmit data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider of the server 10. In one example, the transmission device 106 includes a NIC (Network Interface Controller) that can be connected to other Network devices through a base station to communicate with the internet. In one example, the transmission device 106 may be an RF (Radio Frequency) module, which is used for communicating with the internet in a wireless manner.

In this embodiment, a method for recommending a financial product running on the server is provided, and fig. 2 is a schematic flowchart of an alternative method for recommending a financial product according to an embodiment of the present application, as shown in fig. 2, the flowchart includes the following steps:

step S202, determining a target asset proportion of the target object according to the intelligent investment grade and the object information of the target object, wherein the target asset proportion is the proportion of the investment sum of each asset type in a plurality of asset types allocated to the target object by the intelligent investment system, and one or more financial products are allowed to be allocated to each asset type;

step S204, determining the investment amount of each asset type according to the target asset proportion and the total investment amount;

step S206, determining recommended financial products and recommended purchase amounts of the recommended financial products under each asset type according to the investment amount of each asset type;

step S208, recommending the recommended financial products and the recommended purchase amount of the recommended financial products to the target object.

Optionally, the executing subject of the above steps may be a server, an intelligent commissioning background, and the like, but is not limited thereto, and other devices (devices running with an intelligent commissioning system) capable of recommending financial products may be used to execute the method in the embodiment of the present application.

Through the embodiment, the financial product recommendation method and the financial product recommendation system have the advantages that the financial product recommendation method and the financial product recommendation system are used for recommending financial products according to the intelligent investment level and the object information of investors, the problem that in the related technology, the product purchase scheme is unreasonable in configuration in the manual financial product purchase mode of users is solved, the energy consumption of the users is reduced, and the fact that the recommended financial products meet the purchase expectation of the investors is guaranteed.

The following explains a recommendation method of a financial product in the embodiment of the present application with reference to fig. 2.

In step S202, a target asset allocation ratio of the target object is determined according to the intelligent investment level and the object information of the target object, wherein the target asset allocation ratio is a ratio of an investment amount of each asset type of a plurality of asset types configured for the target object by the intelligent investment system to a total investment amount, and each asset type allows configuration of one or more financial products.

A user (investor, customer of the intelligent commissioning system, target object) may log in to a client of a target application, which may provide intelligent commissioning services, using a target account number.

In the client's home page or other page, access to the smart-cast interface may be provided. The intelligent delivery interface is an interface corresponding to an intelligent delivery system (intelligent delivery system for short), and various business interfaces related to intelligent delivery service can be provided on the intelligent delivery interface. The intelligent delivery system can provide various services related to intelligent delivery, such as financial product service, position taking and clearing service, transaction service, customer service, strategy service, report inquiry service and the like.

It should be noted that, as shown in fig. 3, the client and the smart casting background (background server, running with the smart casting system) may pass through a plurality of intermediate nodes, for example, the network may include: specific gateways such as an operator gateway, a client gateway, and an interior gateway, and a relay node, which are not specifically limited in this embodiment. There may be various ways to determine that the user enters the smart projection interface of the smart projection system for the first time, which is not limited in this embodiment.

When the user enters the intelligent projection interface or after the user enters the intelligent projection interface, related authorization of intelligent projection is performed according to a prompt (for example, through a text prompt, a popup prompt, a voice prompt and the like) sent by the intelligent projection system through the intelligent projection interface, so that the intelligent projection system is allowed to provide intelligent projection service for the intelligent projection system.

Financial products may be classified into different categories according to different classification criteria. In order to facilitate management and recommendation of financial products sold by the same sales platform, the intelligent investment system can divide financial products sold by different sales platforms into a plurality of asset types, and the plurality of asset types are the financial product categories set by the intelligent investment platform. For example, by broad categorization, asset types may include: cash, bonds, stocks, gold, overseas.

The intelligent casting system sets an intelligent casting grade of the target object according to the risk bearing capacity of the target object, and the intelligent casting grade can correspond to the risk bearing capacity grade set for the target object by the traditional casting and caring system.

The intelligent investment system can determine the target asset proportion of the target object according to the intelligent investment grade of the user (corresponding to the risk bearing capacity grade of the user) and the user information. The target asset proportion is the proportion of the investment amount of each asset type in the plurality of asset types to the total investment amount, which is configured for the target object by the intelligent investment system.

The subject information may be at least one of a financial status and a financing plan. The financial condition may be represented by the user's financial-related information, which may include, but is not limited to, at least one of: deposit information, housing and vehicle information (whether a housing or a vehicle is purchased, whether a housing or vehicle purchasing plan is provided, whether a housing loan or a vehicle loan is provided), child and elder information (whether children need to be supported or old people need to be supported), and the like. The specific object information may be set as needed, which is not specifically limited in this embodiment.

As an optional embodiment, determining the target asset allocation of the target object according to the intelligent investment level of the target object and the object information of the target object includes: determining a standard asset ratio corresponding to the intelligent investment grade according to the intelligent investment grade of the target object; and adjusting the standard asset proportion according to the object information of the target object to obtain the target asset proportion of the target object.

Each smart cut level may correspond to a standard asset allocation (standard asset allocation), and different smart cut levels may correspond to different standard asset allocations. The asset allocation is used to indicate the investment proportion of each of a plurality of asset types in the total investment amount of the target object.

For example, if the intelligent level is a2 (robust), its standard asset mix may be: 35% of cash, 30% of bond, 5% of stock, 25% of gold and 5% of overseas.

According to the object information of the target object, the occupation ratio of each asset type in the standard asset proportion can be adjusted, and the asset proportion (target asset proportion) configured for the target object is obtained.

For example, if the intellectual investment level is a2 (robust type), if the target object needs house credit and car credit every month, the cash share in the standard asset mix may be adjusted, and the adjusted asset mix may be: 40% of cash, 30% of bond, 5% of stock, 20% of gold and 5% of overseas.

It should be noted that, because the object information of different objects may vary greatly, the adjusted asset allocation ratio may be various, so as to provide personalized asset allocation modes for different users, and achieve "people in front of a thousand".

Through the embodiment, the standard asset matching corresponding to the intelligent investment level of the target object is adjusted according to the object information of the target object, personalized asset matching can be provided for different users, the rationality of the asset matching is improved, and further the user experience is improved.

In addition to the asset allocation configured for the target object by the intelligent delivery system, the user may set an object followed by the asset allocation, i.e. a reference object, which is generally an authorized authority having a certain hope in finance, economics or related fields. For the user with the reference object, the asset proportion can be set according to the asset proportion of the reference object. The reference object may be referred to as a followed object, and correspondingly, an object following the reference object is referred to as a follow-up object.

In step S204, the investment amount of each asset type is determined according to the target asset allocation and the total investment amount.

After the target asset allocation is determined, the investment amount of each asset type can be determined according to the proportion of the total investment amount of the target object to each asset type in the target asset allocation.

For example, the target asset mix of the target object is: cash 40%, bond 30%, stock 5%, gold 20%, overseas 5%, and total investment of the target object is 100 ten thousand, the investment amount of each asset type: 40 ten thousand, 30 ten thousand bonds, 5 thousand stocks, 20 ten thousand gold and 5 ten thousand overseas.

In step S206, a recommended financial product and a recommended purchase amount of the recommended financial product under each asset type are determined according to the investment amount of each asset type.

After determining the investment amount for each asset type, a recommended financial product and a recommended purchase amount for the recommended financial product for each asset type may be determined. Each asset type allows one or more financial products to be configured, and the number of the recommended financial products is one or more, and the corresponding recommended purchase amount of different recommended financial products can be the same or different.

As an alternative embodiment, determining the recommended financial product and the recommended purchase amount for the recommended financial product for each asset type based on the investment amount for each asset type includes: inquiring a financial product white list and/or a fund pool according to the asset types to obtain a recommended financial product under each asset type; and allocating the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

The manner in which the recommended financial products under each asset type are determined may be varied, for example, for each asset type, the recommended financial products may be randomly chosen, with the financial products having a score above a score threshold being randomly chosen.

For each asset type (target asset type), the financial products in the financial product white list and/or the fund pool may be queried according to the asset type to obtain the recommended financial products under each asset type. The financial product white list can be a financial product with higher income and better credibility set by the intelligent investment system. The financial product white list may contain one or more financial products for each asset type. The fund pool may contain financial products other than financial products in the financial product white list, if any.

After the recommended financial products are determined, the investment money of each asset type is distributed to the recommended financial products under each asset type according to the target proportion, and the recommended purchase money of the recommended financial products is obtained.

According to the embodiment, the recommended financial products are obtained by inquiring the white list and/or the fund pool, and the investment money of each asset type is distributed to the recommended financial products under each asset type according to a specific proportion, so that the accuracy of determining the financial products and the reasonability of distribution of the investment money can be improved.

The number of recommended financial products under each asset type may be preset, or may be determined according to information such as the investment amount of each asset type, the score of the financial product under each asset type, the minimum investment amount, and the like. The number of recommended financial products for each asset type may or may not be the same. For example, the number of financial products configurable under each asset type may be set to a target number.

As an alternative embodiment, the financial product white list and/or the fund pool are queried according to the asset types, and the obtaining of the recommended financial product under each asset type may be a manner of querying the financial product white list first and then querying the fund pool.

The financial product white list may be queried by asset type to obtain a first quantity of first financial products belonging to each asset type in the financial product white list. Different asset types may be queried separately. The first quantity of the first financial product may be the same or different for each asset type.

If the first quantity is greater than or equal to the target quantity, a target quantity of the first financial products may be determined from the first quantity of the first financial products as recommended financial products for each asset type. The manner of determining the target number of first financial products from the first number of first financial products may be various, for example, the target number of first financial products may be sequentially selected in order of the score from high to low, and for example, the target number of first financial products may be randomly selected. The manner in which the target number of first financial products is determined from the first number of first financial products is not particularly limited in this embodiment.

If the first quantity is less than the target quantity, the fund pool may be queried according to asset types to obtain a second quantity of second financial products under each asset type, where a sum of the first quantity and the second quantity is the target quantity. The first and second quantities of the first and second financial products may be targeted quantities of the recommended financial product.

According to the method and the device for recommending the financial products, the recommended financial products are determined by preferentially inquiring the white list, the reliability of the recommended financial products can be guaranteed, the safety of user investment is improved, and then the user experience is improved.

As an alternative embodiment, querying the fund pool according to asset types to obtain a second quantity of second financial products under each asset type comprises: determining whether the target object allows for recommending financial products other than a white list of financial products; in the event that the target object allows for recommendation of financial products other than the white list of financial products, the fund pool is queried according to asset type to obtain a second quantity of second financial products under each asset type.

The user or the smart casting system may set whether the user is allowed to recommend financial products other than the white list of financial products. If the setting allows for recommending financial products other than the white list of financial products, the financial products in the fund pool may be recommended to the user when the number of financial products under a certain asset type in the white list is insufficient. If it is set that financial products other than the white list of financial products are not allowed to be recommended, financial products other than the white list are not allowed even if the number of financial products of a certain asset type in the white list is insufficient.

When the financial products are recommended, if the quantity of the financial products under a certain asset type in the white list is insufficient, whether the target object allows the recommendation of the financial products except the white list of the financial products or not can be determined; if so, the fund pool may be queried by asset type to obtain a second quantity of second financial products under each asset type.

Through this embodiment, whether to allow the financial product except financial product white list to recommend through the settlement, can compromise reliability and the variety of the financial product of recommending, improve user experience.

The second quantity of second financial products queried from the fund pool may be obtained in a variety of ways, such as randomly selecting financial products from the fund pool, and randomly selecting financial products having a score above a score threshold.

As an alternative embodiment, for a target asset type currently being processed from the plurality of asset types, querying the fund pool according to the asset type to obtain a second number of second financial products under each asset type comprises: sequentially acquiring financial products to be recommended belonging to the target asset type according to the sequence of the scores of the financial products in the fund pool from high to low; and under the condition that the financial product to be recommended needs to be subjected to face signing and the target object is subjected to face signing on the financial product to be recommended, determining the financial product to be recommended as a second financial product under the target asset type.

Financial products belonging to the target asset type in the fund pool can be sequentially selected as the financial products to be recommended according to the order of the scores from high to low. After selecting a financial product, it may be considered whether the financial product requires a face-slip (e.g., a face-slip signs a purchase authorization for the financial product, etc.). If the face-tagging is required but the target object does not face-tag the financial product to be recommended, the financial product can be ignored, and the next financial product under the target asset type in the fund pool is selected to be processed according to the score.

If the financial product to be recommended needs to be face-signed, and the target object has already been face-signed with the financial product to be recommended, the financial product to be recommended may be determined as a recommended financial product under the target asset type, that is, a second financial product.

It should be noted that, for the financial products in the white list, whether a face sign is needed or not and whether the user has performed the face sign or not may also be considered to select the recommended financial product, which is similar to the way of selecting the recommended financial product from the fund pool, and details are not repeated here.

Through this embodiment, whether the product needs the face sign is considered when selecting the recommended financial product, can guarantee that the financial product of recommending to the user is all the financial product that can purchase, avoids because the user that does not carry out the face sign and leads to can't purchase the recommended financial product to improve user experience.

In order to ensure the efficiency of the allocation of the investment money, as an alternative embodiment, the allocation of the investment money of each asset type to the recommended financial product under each asset type according to a target proportion may include: and averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

After the recommended financial products under each asset type are determined, the investment money of the asset type can be averagely distributed to the recommended financial products so as to balance the investment risk and avoid overlarge income fluctuation caused by over-concentrated investment. At the same time, the complexity of determining the recommended purchase amount may also be reduced.

Through the embodiment, the investment amount of each asset type is averagely distributed to the recommended financial products of the asset type, so that the investment risk can be balanced, the user income is ensured, and the user experience is improved.

In step S208, the recommended financial product and the recommended purchase amount of the recommended financial product are recommended to the target object.

After determining the recommended financial products and the recommended purchase amount under each asset type, recommendation information may be sent to the client of the target object, where the recommendation information includes: the recommended financial product and the recommended purchase amount of the recommended financial product under each asset type, and the recommendation information may further include a target asset allocation. The recommended financial products, the recommended purchase amount and the target asset proportion can be displayed on an intelligent investment interface of the client in a graphical mode.

The target object may send authorization information or indication information to the intelligent delivery system via the client to indicate that the target object agrees to purchase the recommended financial product for the recommended purchase amount in accordance with the target asset mix.

Based on the authorization information and the indication information, the smart casting system may make a purchase of a recommended financial product for the user and perform subsequent taken-away maintenance, such as a transfer, etc. This is not particularly limited in this embodiment.

The following description is made with reference to a method for recommending financial products according to an alternative example embodiment of the present application. In this example, the risk tolerance levels are divided into five levels: a1 (conservative), a2 (robust), A3 (balanced), a4 (growth), a5 (aggressive), corresponding to which the product risk classes are R1 (conservative), R2 (robust), R3 (balanced), R4 (aggressive), R5 (aggressive). The intelligent investment grade corresponds to the risk bearing capacity grade one by one. The asset types of financial products include: cash, bonds, stocks, gold, overseas.

As shown in fig. 4 and 5, the recommendation method of financial products in the present example may include the steps of:

step S402, calling strategy configuration according to the risk level of the user and the like to obtain the proportion of each asset.

The intelligent investment grade of a user (investor) is obtained, and strategy configuration is called according to the intelligent investment grade of the user and user information such as purchasing preference, house credit and car credit to obtain the proportion of each asset.

For example, the proportions of the assets obtained are: 30% of cash, 20% of bonds, 15% of stocks, 25% of gold and 10% of overseas, if the total amount of investment of the user is 10 ten thousand, the amount of investment of each asset type is respectively: 3 thousands of cash, 2 thousands of bonds, 1.5 thousands of stocks, 2.5 thousands of gold and 1 million overseas.

And S404, inquiring the fund pool through the corresponding relation of the model assets to find out the optimal fund.

The best fund is found by querying the fund for each asset type in the white list and the fund in the fund pool (base product pool) according to the configurable amount of financial products under each asset type.

For an asset type, if the asset type may allow the purchase of 3 basic financial products simultaneously, two financial products belonging to the asset type in the white list, if financial products other than the white list are allowed, one financial product with the highest score or higher of the asset type is searched from the fund pool, and three financial products are added to the two financial products in the white list as configured financial products under the asset type.

If whether the product type needs surface labeling is considered, when each financial product under each asset type is carried out, if the financial product does not need surface labeling or the surface labeling is needed and the user already carries out surface labeling, the financial product is used as one configured financial product under the asset type for each financial product to be configured (the financial product of the asset type in the white list or the financial product of the asset type found in the fund pool), and if the financial product does not need surface labeling and the user does not carry out surface labeling, the financial product is ignored, and the next financial product is selected to be continuously judged.

For the selected financial products under each asset type, the allocation is made on average according to the configurable amount of financial products (i.e., amount of funds) for each asset type, and the allocated amount of investment is for that asset type.

For example, for bond-like assets, the total investable amount is: 2 ten thousand yuan, the configurable number of financial products is 2, and if the bond A and the bond B meeting the requirement are found, the investable amount is averagely distributed, the amount of purchasing the bond A is 1 ten thousand yuan, and the amount of purchasing the bond B is 1 ten thousand yuan.

And S406, searching basic information to be combined in the combined information table according to the intelligent casting grade value to obtain a final purchase scheme.

After obtaining information of financial products to be purchased under each asset type, purchase amount of each financial product and the like, finding basic information to be combined (each asset grade to be combined and basic information of each financial product) in the combined information table according to the intelligent investment grade value to obtain a final purchase scheme, wherein the final purchase scheme can include but is not limited to information of at least one of the following: (1) a mix of a plurality of asset types; (2) total purchase amount for each asset type; (3) the number of financial products to be purchased, purchase proportion, purchase amount, and the like under each asset type; (4) product information of the financial product.

By the method and the system, the recommended financial product combination and the investment amount are configured for the customer according to the intelligent investment level and the user information of the user, so that the operation of the customer can be reduced, and the reasonable configuration of the purchasing scheme can be improved.

Through the above description of the embodiments, those skilled in the art can clearly understand that the method according to the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but the former is a better implementation mode in many cases. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present application.

According to another aspect of an embodiment of the present application, there is provided a recommendation apparatus for a financial product for implementing the recommendation method for a financial product in the above-described embodiment. Optionally, the apparatus is used to implement the above embodiments and preferred embodiments, and details are not repeated for what has been described. As used below, the term "module" may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.

Fig. 6 is a block diagram illustrating a structure of an alternative financial product recommendation apparatus according to an embodiment of the present application, as shown in fig. 6, the apparatus including: (1) a first determining unit 62, configured to determine a target asset allocation ratio of the target object according to the intelligent investment level and the object information of the target object, where the target asset allocation ratio is a ratio of an investment amount of each asset type of a plurality of asset types, which are configured for the target object by the intelligent investment system, to a total investment amount, and each asset type allows configuration of one or more financial products;

(2) a second determining unit 64 connected to the first determining unit 62 for determining an investment amount for each asset type according to the target asset allocation and the total investment amount;

(3) a third determining unit 66 connected to the second determining unit 64, for determining the recommended financial product and the recommended purchase amount of the recommended financial product under each asset type according to the investment amount of each asset type;

(4) and a recommending unit 68 connected to the third determining unit 66 for recommending the recommended financial product and the recommended purchase amount of the recommended financial product to the target object.

Alternatively, the first determining unit 62 may be used in step S202 in the above-mentioned embodiment, the second determining unit 64 may be used in step S204 in the above-mentioned embodiment, the third determining unit 66 may be used in step S206 in the above-mentioned embodiment, and the recommending unit 68 may be used in step S208 in the above-mentioned embodiment.

Through the embodiment, the financial product recommendation method and the financial product recommendation system have the advantages that the financial product recommendation method and the financial product recommendation system are used for recommending financial products according to the intelligent investment level and the object information of investors, the problem that in the related technology, the product purchase scheme is unreasonable in configuration in the manual financial product purchase mode of users is solved, the energy consumption of the users is reduced, and the fact that the recommended financial products meet the purchase expectation of the investors is guaranteed. .

As an alternative embodiment, the third determining unit includes: (1) the query module is used for querying a financial product white list and/or a fund pool according to the asset types to obtain recommended financial products under each asset type;

(2) and the allocation module is used for allocating the investment amount of each asset type to the recommended financial products under each asset type according to the target proportion to obtain the recommended purchase amount of the recommended financial products.

As an alternative embodiment, the query module comprises: (1) the first query submodule is used for querying the financial product white list according to the asset types to obtain a first quantity of first financial products belonging to each asset type in the financial product white list;

(2) a determining submodule for determining a target number of first financial products as recommended financial products for each asset type if the first number is greater than or equal to the target number;

(3) the second inquiry submodule is used for inquiring the fund pool according to the asset types under the condition that the first quantity is smaller than the target quantity to obtain a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is the target quantity, and the recommended financial products comprise the first financial products and the second financial products;

wherein the target quantity is a quantity of financial products configurable under each asset type.

As an alternative embodiment, the second query submodule includes: (1) a first determining subunit for determining whether the target object allows recommendation of a financial product other than the financial product white list;

(2) and the first query subunit is used for querying the fund pool according to the asset types to obtain a second quantity of second financial products under each asset type under the condition that the target object allows the recommendation of financial products except the financial product white list.

As an alternative embodiment, the second query submodule includes: (1) the system comprises an acquisition subunit, a recommendation processing subunit and a recommendation processing subunit, wherein the acquisition subunit is used for sequentially acquiring the financial products to be recommended belonging to a target asset type according to the order from high to low of the scores of the financial products in the fund pool, and the target asset type is the currently processed asset type in a plurality of asset types;

(2) and the second determining subunit is used for determining the financial product to be recommended as a second financial product under the target asset type when the financial product to be recommended needs to be face signed and the target object has been face signed with the financial product to be recommended.

As an alternative embodiment, the allocation module comprises: (1) and the distribution submodule is used for averagely distributing the investment amount of each asset type to the recommended financial products under each asset type to obtain the recommended purchase amount of the recommended financial products.

As an alternative embodiment, the first determination unit includes: (1) determining a standard asset ratio corresponding to the intelligent investment grade according to the intelligent investment grade of the target object;

(2) and adjusting the standard asset proportion according to the object information of the target object to obtain the target asset proportion of the target object.

It should be noted that, the above modules may be implemented by software or hardware, and for the latter, the following may be implemented, but not limited to: the modules are all positioned in the same processor; alternatively, the modules are respectively located in different processors in any combination.

According to yet another aspect of embodiments herein, there is provided a computer-readable storage medium. Optionally, the storage medium has a computer program stored therein, where the computer program is configured to execute the steps in any one of the methods provided in the embodiments of the present application when the computer program is executed.

Alternatively, in the present embodiment, the storage medium may be configured to store a computer program for executing the steps of:

s1, determining a target asset proportion of the target object according to the intelligent investment grade and the object information of the target object, wherein the target asset proportion is the proportion of the investment sum of each asset type in a plurality of asset types which are configured for the target object by the intelligent investment system to the total investment sum, and each asset type allows one or more financial products to be configured;

s2, determining the investment amount of each asset type according to the target asset proportion and the total investment amount;

s3, determining the recommended financial products and the recommended purchase amount of the recommended financial products under each asset type according to the investment amount of each asset type;

s4, recommending the recommended financial products and the recommended purchase amount of the recommended financial products to the target object.

Optionally, in this embodiment, the storage medium may include, but is not limited to: a variety of media that can store computer programs, such as a usb disk, a ROM (Read-only Memory), a RAM (Random Access Memory), a removable hard disk, a magnetic disk, or an optical disk.

According to still another aspect of an embodiment of the present application, there is provided an electronic apparatus including: a processor (which may be the processor 102 in fig. 1) and a memory (which may be the memory 104 in fig. 1) having a computer program stored therein, the processor being configured to execute the computer program to perform the steps of any of the above methods provided in embodiments of the present application.

Optionally, the electronic apparatus may further include a transmission device (the transmission device may be the transmission device 106 in fig. 1) and an input/output device (the input/output device may be the input/output device 108 in fig. 1), wherein the transmission device is connected to the processor, and the input/output device is connected to the processor.

Optionally, in this embodiment, the processor may be configured to execute the following steps by a computer program:

According to another aspect of the embodiment of the application, a method for displaying information is provided. Alternatively, the method may be performed in a server (as shown in FIG. 1), a product exchange platform (backend server), or similar device.

In this embodiment, a method for displaying information running on the server is provided, and a flow of the method for displaying information includes the following steps:

s1, determining a target resource ratio of the target object according to the product exchange level and the object information of the target object, wherein the target resource ratio is the ratio of the exchange resource of each product type in a plurality of product types, which is set for the target object by the product exchange platform, to the total exchange resource of the target object, and each product type allows the exchange of one or more products; s2, determining the exchange resource of each product type according to the target resource proportion and the total exchange resource; s3, determining a target exchange product and a target exchange resource of the target exchange product under each product type according to the exchange resource of each product type; and S4, displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

Optionally, the executing body of the above steps may be a server, a product exchange platform (e.g., a backend server), and the like, but is not limited thereto, and other devices capable of displaying information may be used to execute the method in the embodiment of the present application.

By the method and the device, the exchange product recommendation is carried out according to the product exchange grade and the object information of the target object, the problem that in the related technology, the configuration of an article adjustment scheme is unreasonable due to the fact that a user manually adjusts the exchange article is solved, energy consumption of the user is reduced, and the recommended exchange product is guaranteed to meet the expectation of the user.

The following explains a method of displaying the above information in the embodiment of the present application.

In an alternative embodiment, the product exchange platform (a backend server, or other similar device, which is described in this embodiment by taking the product exchange platform as an example) may determine the target resource allocation of the target object according to the product exchange level and the object information of the target object.

A user (target object) may log into a client of a target application, which may provide a financial service, using a target account number.

Within the client's home page or other page, access to the product exchange interface may be provided. The product exchange interface is an interface corresponding to a product exchange system (e.g., a financial services system) on which a plurality of product exchange service-related business interfaces can be provided.

It should be noted that, one implementation manner of the product exchange system may be the aforementioned smart projection system, and one implementation manner of the product exchange interface may be the aforementioned smart projection interface.

When the user enters the product exchange interface, or after the user enters the product exchange interface, the product exchange system can perform related authorization according to a prompt (for example, through a text prompt, a pop-up window prompt, a voice prompt, and the like) sent by the product exchange interface, so as to allow the product exchange system to provide product exchange services for the product exchange system.

The product exchange system can operate on a product exchange platform (background server), the product exchange platform is a third-party platform (a financial service system can operate to provide financial services), and the platform can be used as a proxy of products (exchange products) required to be exchanged by different product platforms to collect and popularize the products and the like. The product platform is a platform that obtains the usage right of the exchange resource by exchanging the exchange resource between the product and a specific object, and can also provide adjustment of the exchange resource for different objects (for example, increase the resource amount of the exchange resource according to the profit, reduce the resource amount of the exchange resource, etc.).

The exchange products may be classified into different types according to different classification criteria. In order to facilitate management and recommendation of exchanged products required to be exchanged by different product platforms, the product exchange system may divide products exchanged by different product platforms into a plurality of product types, and the plurality of product types are exchange product categories set by the product exchange platform. For example, by broad classification, product types may include: product type 1, product type 2, … …, product type (N-1), product type N, where N is a positive integer greater than 2.

It should be noted that, one implementation manner of the product exchange platform is the above intelligent investment platform; one implementation of the product platform is the sales platform; one implementation of the specific object is the above target object (user); one implementation of exchanging resources is funds (or, the amount of a resource), but also other types of resources, such as vouchers or other types of resources that can be substituted for funds; the product type is one implementation of the asset type described above.

The product exchange system may set a product exchange level (e.g., the aforementioned intelligent investment level) of the target object according to a reference exchange level of the target object, which may correspond to a reference exchange level (e.g., the aforementioned risk tolerance level) set for the target object by an existing financial services system.

The product exchange system can determine the target resource ratio of the target object according to the product exchange level of the user and the user information. The target resource ratio is a proportion of exchange resources of each product type in the plurality of product types, which are set for the target object by the product exchange platform, to total exchange resources of the target object.

The subject information of the target subject may be at least one of a financial status, a financing plan of the target subject. The foregoing description has been provided and will not be repeated herein.

As an optional embodiment, determining the target resource ratio of the target object according to the product exchange level and the object information of the target object includes: determining a standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object; and adjusting the standard resource ratio according to the object information of the target object to obtain the target resource ratio of the target object.

Each product exchange level may correspond to a standard resource allocation (standard resource allocation), and different product exchange levels may have different standard resource allocations. The resource allocation is used to indicate the investment proportion of each of a plurality of product types in the total investment amount of the target object.

It should be noted that, one implementation of the resource matching is the asset matching described above.

According to the object information of the target object, the proportion of each product type in the standard resource proportion can be adjusted to obtain the resource proportion (target resource proportion) configured for the target object.

It should be noted that, because the object information of different objects may vary greatly, the adjusted resource allocation ratio may be various, so as to provide personalized resource allocation modes for different users, and achieve "thousands of people ahead".

According to the embodiment, the standard resource ratio corresponding to the product exchange level of the target object is adjusted according to the object information of the target object, so that personalized resource ratios can be provided for different users, the rationality of the resource ratios is improved, and the user experience is further improved. Except for the resource ratio configured for the target object by the product exchange system, the user may set an object followed by the resource ratio, that is, a reference object, which is similar to the foregoing object and is not described herein again.

In an alternative embodiment, the product exchange platform may determine the exchange resources for each product type according to the target resource allocation and the total exchange resources.

After determining the target resource ratio, the product exchange platform may determine the exchange resource (e.g., the investment amount) of each product type according to the ratio of the total exchange resource (e.g., the total investment amount) of the target object to each product type in the target resource ratio. For example, the product of the occupation ratio of each product type and the total exchange resource is the exchange resource of each product type.

In an alternative embodiment, the product exchange platform may determine the target exchange product and the target exchange resource of the target exchange product under each product type according to the exchange resource of each product type.

After the exchange resources for each product type are determined, the target exchange product and the target exchange resources for each product type may be determined. Each product type allows one or more exchange products to be configured, the number of the target exchange products is one or more, and the corresponding target exchange resources of different target exchange products can be the same or different. It should be noted that one implementation of the target exchange product may be the recommended financial product, and one implementation of the target exchange resource may be the recommended purchase amount.

As an alternative embodiment, determining the target exchange product and the target exchange resource of the target exchange product under each product type according to the exchange resource of each product type includes: inquiring a product white list and/or a product pool according to the product types to obtain a target exchange product under each product type; and distributing the exchange resources of each product type to the target exchange product under each product type according to the target proportion to obtain the target exchange resources of the target exchange product.

The target exchange product under each product type may be determined in a variety of ways, for example, for each product type, the target exchange product may be randomly selected, and the exchange product with a score above a score threshold may be randomly selected.

For each product type (target product type), the exchange products in the product white list and/or the product pool can be queried according to the product type to obtain the target exchange product under each product type. The product white list may be an exchange product with higher revenue and better credibility set by the product exchange system. The product white list may contain one or more exchange products for each product type. The product pool may contain other exchange products in addition to the exchange products in the product white list (if any).

It should be noted that one implementation of the product white list may be the financial product white list, and one implementation of the product pool may be the fund pool.

After the target exchange product is determined, the exchange resources of each product type are distributed to the target exchange product under each product type according to the target proportion, and the target exchange resources are obtained.

According to the embodiment, the target exchange product is obtained by inquiring the white list and/or the product pool, and the exchange resource of each product type is distributed to the target exchange product under each product type according to a specific proportion, so that the accuracy of determining the exchange product and the reasonability of distributing the exchange resource can be improved.

The number of target exchange products in each product type can be preset, and can also be determined according to information such as exchange resources of each product type, scores of exchange products in each product type, minimum exchange money and the like. The number of recommended financial products under each product type may be the same or different. For example, the number of exchange products configurable under each product type may be set to a target number.

As an optional embodiment, the product white list and/or the product pool are queried according to the product types, and the manner of obtaining the target exchange product under each product type may be to query the product white list first and then query the product pool.

The product white list may be queried by product type to obtain a first quantity of first exchange products (first products) in the product white list that belong to each product type. Different product types may be queried separately. The first number of first exchange products may be the same or different for each product type.

If the first quantity is greater than or equal to the target quantity, a target quantity of first exchange products may be determined from the first quantity of first exchange products as the target exchange products for each product type. The target number of first exchange products may be determined from the first number of first exchange products in various manners, for example, the target number of first exchange products may be selected sequentially in order of the score from high to low, or the target number of first exchange products may be selected randomly, for example. The method for determining the target number of first exchange products from the first number of first exchange products is not specifically limited in this embodiment.

If the first quantity is less than the target quantity, the product pool can be queried according to the product types to obtain a second quantity of second exchange products (second products) under each product type, wherein the sum of the first quantity and the second quantity is the target quantity. The first quantity of the first exchange product and the second quantity of the second exchange product may be targeted exchange products of the targeted quantity.

It is noted that one implementation of the first exchange product may be a first financial product and one implementation of the second exchange product may be a second financial product.

Through the embodiment, the target exchange product is determined by preferentially inquiring the white list, so that the reliability of the target exchange product can be ensured, and the user experience is further improved.

As an alternative embodiment, querying the product pool according to the product types to obtain the second quantity of the second products under each product type includes: determining whether to allow setting of other exchange products for the target object except the exchange products in the product white list; and under the condition that other exchange products except the exchange products in the product white list are allowed to be recommended for the target object, querying the product pool according to the product types to obtain a second quantity of second products under each product type.

The user or the product exchange system may set for the user whether to allow the recommendation of an exchange product other than the product white list. If the setting allows the exchange products except the product white list to be recommended, the exchange products in the product pool can be recommended for the user when the quantity of the exchange products under a certain product type in the white list is insufficient. If it is set that the exchange products other than the white list of products are not allowed to be recommended, the exchange products other than the white list are not allowed even if the number of exchange products in a certain product type in the white list is insufficient.

When recommending the exchange products, if the quantity of the exchange products in a certain product type in the white list is insufficient, whether the target object allows the exchange products except the product white list to be recommended or not can be determined; if so, the product pool may be queried by product type to obtain a second quantity of second exchange products under each product type.

The determination of the target exchange product under each product type may be at any time before the target exchange product needs to be determined for the target object or after the target exchange product needs to be determined for the target object. For example, before the user uses the product exchange platform, after determining the target resource mix for the target object, after determining the exchange resources for each product type, and so on.

It should be noted that, in order to improve the efficiency of determining the target exchange product, the target exchange product may be determined in advance. For example, the target exchange product under each product type is determined in advance before the target resource allocation of the target object is determined according to the product exchange level and the object information of the target object.

Through the embodiment, whether the exchange products except the product white list are allowed to be recommended or not is set, so that the reliability and diversity of the recommended exchange products can be considered, and the user experience is improved.

The second quantity of second financial products may be queried from the product pool in a variety of ways, such as randomly selecting swap products from the product pool, and randomly selecting swap products having a score above a score threshold.

As an alternative embodiment, for a target product type currently processed in the plurality of product types, querying the product pool according to the product type to obtain a second number of second products under each product type includes: sequentially acquiring candidate exchange products belonging to a target product type according to the sequence of scores of the exchange products in the product pool from high to low, wherein the target product type is a currently processed product type in the multiple product types; and under the condition that the candidate exchange product needs to be subjected to face labeling, and the target object is subjected to face labeling of the candidate exchange product, determining the candidate exchange product as a second product under the target product type.

The exchange products belonging to the target product type in the product pool can be sequentially selected as candidate exchange products (for example, the above-mentioned financial products to be recommended) in the order of the scores from high to low. After selecting an exchange product, it may be considered whether the exchange product requires a face-label (e.g., when the face signs the exchange authorization for the exchange product, etc.). If the face-tagging is needed but the target object does not face-tag the candidate exchange product, the exchange product can be ignored, and the next exchange product under the target product type in the product pool is selected to be processed according to the score.

If the candidate exchange product requires face-tagging and the target object has already face-tagged the candidate exchange product, the candidate exchange product may be determined to be a target exchange product, i.e., a second product, under the target product type.

It should be noted that, for the exchange products in the white list, whether to need a face-to-face label or not may also be considered, and whether to select the candidate exchange product is determined by considering whether the user has performed the face-to-face label or not, which is similar to the manner of selecting the candidate exchange product from the product pool, and is not described herein again.

It should be noted that one implementation of the candidate exchange product may be the above-mentioned financial product to be recommended.

Through the embodiment, whether the product needs to be subjected to surface signing or not is considered when the candidate exchange product is selected, the exchange products recommended to the user can be guaranteed to be purchasable exchange products, the problem that the user cannot exchange the target financial product due to the fact that the surface signing is not carried out is avoided, and therefore user experience is improved.

In order to ensure the efficiency of the exchange resource allocation, as an optional embodiment, the exchange resource of each product type is allocated to the target exchange product in each product type according to a target proportion, and obtaining the target exchange resource of the target exchange product includes: and averagely distributing the exchange resources of each product type to the target exchange product under each product type to obtain the target exchange resources of the target exchange product.

After the target exchange products under each product type are determined, the exchange resources of the product type can be averagely distributed to the target exchange products so as to balance the exchange risk. At the same time, the complexity of determining the target switching resource may also be reduced.

Through the embodiment, the investment risk can be balanced and the user benefit is ensured by averagely distributing the exchange resources, so that the user experience is improved.

In an alternative embodiment, the product exchange platform may present the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

After determining the target exchange product and the target exchange resource under each product type, target information can be sent to a client of the target object, wherein the target information includes: the product information of the target exchange product and the resource information of the target exchange resource under each product type, and the target information may further include a target resource ratio. The target exchange product, the target exchange resource and the target resource ratio can be displayed on the product exchange interface of the client in a graphical mode.

The target object can send authorization information or indication information to the product exchange system through the client to indicate that the target object agrees to purchase the target exchange product according to the target exchange resource according to the target resource proportion.

According to the authorization information and the indication information, the product exchange system can exchange target exchange products for the user and perform subsequent maintenance. This is not particularly limited in this embodiment.

In another embodiment of the present application, an information displaying apparatus for implementing the information displaying method is provided. Optionally, the apparatus is used to implement the above embodiments and preferred embodiments, and details are not repeated for what has been described. Optionally, an optional implementation of the device is the above recommendation device for financial products.

Optionally, the display device of the information provided in this embodiment may include: (1) the first determining unit is used for determining a target resource ratio of the target object according to the product exchange grade and the object information of the target object, wherein the target resource ratio is the ratio of exchange resources of each product type in a plurality of product types, which are set for the target object by the product exchange platform, to total exchange resources of the target object, and each product type allows one or more products to be exchanged;

(2) the second determining unit is connected with the first determining unit and used for determining the exchange resources of each product type according to the target resource ratio and the total exchange resources; (3) the third determining unit is connected with the second determining unit and used for determining the target exchange product and the target exchange resource of the target exchange product under each product type according to the exchange resource of each product type; (4) and the display unit is connected with the third determination unit and used for displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

As an alternative embodiment, the third determining unit includes: (1) the query module is used for querying the product white list and/or the product pool according to the product types to obtain target exchange products under each product type; (2) and the distribution module is used for distributing the exchange resources of each product type to the target exchange product under each product type according to the target proportion to obtain the target exchange resources of the target exchange product. As an alternative embodiment, the query module comprises: (1) the first query submodule is used for querying the product white list according to the product types to obtain a first quantity of first products belonging to each product type in the product white list; (2) the determining submodule is used for determining a target number of first products in the first number of first products as target exchange products under each product type under the condition that the first number is larger than or equal to the target number, wherein the product white list comprises one or more products which are allowed to be preferentially set as the target exchange products; (3) the second query submodule is used for querying the product pool according to the product types under the condition that the first quantity is smaller than the target quantity to obtain a second quantity of second products under each product type, wherein the product pool comprises one or more products except products in a product white list, the sum of the first quantity and the second quantity is the target quantity, and the target exchange products comprise the first products and the second products; wherein the target number is the number of exchange products allowed to be set for the target object per product type.

As an alternative embodiment, the second query submodule includes: (1) a first determining subunit, configured to determine whether to allow setting of other exchange products for the target object, except for the exchange products in the product white list; (2) and the first query subunit is used for querying the product pool according to the product types under the condition that other exchange products except the exchange products in the product white list are allowed to be recommended for the target object setting, so as to obtain a second quantity of second products under each product type.

As an alternative embodiment, the second query submodule includes: (1) the acquisition subunit is used for inquiring the product pool according to the product types under the condition that other exchange products except the exchange products in the product white list are allowed to be recommended to the target object, so as to obtain a second number of second products in each product type; (2) and the second determining subunit is used for determining the candidate exchange product as a second product under the target product type under the condition that the candidate exchange product needs to be subjected to face labeling and the target object is subjected to face labeling of the candidate exchange product.

As an alternative embodiment, the allocation module comprises: (1) and the distribution submodule is used for averagely distributing the exchange resources of each product type to the target exchange product under each product type to obtain the target exchange resources of the target exchange product.

As an alternative embodiment, the first determination unit includes: (1) the first determining module is used for determining a standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object; (2) and the second determining module is used for determining the standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object.

According to yet another aspect of embodiments herein, there is provided a computer-readable storage medium. Optionally, the storage medium stores a computer program, wherein the computer program is configured to execute the steps in any one of the methods provided in the embodiments of the present application (for example, the steps in the method for presenting information).

According to still another aspect of an embodiment of the present application, there is provided an electronic apparatus including: a processor (which may be the processor 102 in fig. 1) and a memory (which may be the memory 104 in fig. 1) in which a computer program is stored, the processor being configured to execute the computer program to perform the steps of any of the above methods (e.g., the steps of the above information presentation method) provided in the embodiments of the present application.

Optionally, in this embodiment, reference may be made to the examples in the foregoing embodiment and optional implementation manners, which are not described herein again.

It will be apparent to those skilled in the art that the modules or steps of the present application described above may be implemented by a general purpose computing device, they may be centralized on a single computing device or distributed across a network of multiple computing devices, and alternatively, they may be implemented by program code executable by a computing device, such that they may be stored in a storage device and executed by a computing device, and in some cases, the steps shown or described may be performed in an order different than that described herein, or they may be separately fabricated into individual integrated circuit modules, or multiple ones of them may be fabricated into a single integrated circuit module. Thus, the present application is not limited to any specific combination of hardware and software.

The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for displaying information is characterized by comprising the following steps:

determining a target resource ratio of a target object according to the product exchange level and the object information of the target object, wherein the target resource ratio is the proportion of exchange resources of each product type in a plurality of product types, which are set for the target object by a product exchange platform, in the total exchange resources of the target object, and each product type allows for exchanging one or more products;

determining the exchange resource of each product type according to the target resource ratio and the total exchange resource;

determining a target exchange product under each product type and a target exchange resource of the target exchange product according to the exchange resource of each product type;

and displaying the product information of the target exchange product and the resource information of the target exchange resource of the target exchange product to the target object.

2. The method of claim 1, wherein the determining the target exchange product and the target exchange resource of the target exchange product under each product type according to the exchange resource of each product type comprises:

inquiring a product white list and/or a product pool according to the product types to obtain the target exchange product under each product type;

and allocating the exchange resources of each product type to the target exchange product under each product type according to a target proportion to obtain the target exchange resources of the target exchange product.

3. The method of claim 2, wherein said querying a white list of products and/or a product pool by product type to obtain said target exchange product under each product type comprises:

querying the product white list according to product types to obtain a first number of first products belonging to each product type in the product white list;

determining the target number of the first products in the first number of the first products as the target exchange products under each product type if the first number is greater than or equal to the target number, wherein the product white list comprises one or more products allowed to be preferentially set as the target exchange products;

under the condition that the first quantity is smaller than a target quantity, inquiring a product pool according to product types to obtain a second quantity of second products under each product type, wherein the product pool comprises one or more products except products in the product white list, the sum of the first quantity and the second quantity is the target quantity, and the target exchange product comprises the first product and the second product;

wherein the target number is the number of exchange products allowed to be set for the target object under each product type.

4. The method of claim 3, wherein said querying the product pool by product type to obtain a second quantity of second products under each product type comprises:

determining whether to allow setting of other exchange products for the target object except the exchange products in the product white list;

and under the condition that other exchange products except the exchange products in the product white list are allowed to be recommended for the target object, querying the product pool according to product types to obtain the second products of the second quantity under each product type.

5. The method of claim 4, wherein said querying the product pool by product type to obtain a second quantity of second products under each product type comprises:

sequentially acquiring candidate exchange products belonging to a target product type according to the sequence of the scores of the exchange products in the product pool from high to low, wherein the target product type is the currently processed product type in the multiple product types;

and determining the candidate exchange product as one second product under the target product type under the condition that the candidate exchange product needs to be subjected to surface tagging and the target object is subjected to surface tagging of the candidate exchange product.

6. The method of claim 2, wherein the allocating the exchange resources of each product type to the target exchange product under each product type according to a target proportion to obtain the target exchange resources of the target exchange product comprises:

and averagely distributing the exchange resources of each product type to the target exchange product under each product type to obtain the target exchange resources of the target exchange product.

7. The method according to any one of claims 1 to 6, wherein the determining the target resource allocation of the target object according to the product exchange level and the object information of the target object comprises:

determining a standard resource ratio corresponding to the product exchange grade according to the product exchange grade of the target object;

and adjusting the standard resource ratio according to the object information of the target object to obtain the target resource ratio of the target object.

8. An apparatus for displaying information, comprising:

the system comprises a first determination unit, a second determination unit and a third determination unit, wherein the first determination unit is used for determining a target asset proportion of a target object according to the intelligent investment grade and object information of the target object, the target asset proportion is the proportion of the investment sum of each asset type in a plurality of asset types which are configured for the target object by an intelligent investment system to the total investment sum, and each asset type allows one or more financial products to be configured;

a second determining unit, configured to determine an investment amount of each asset type according to the target asset allocation and the total investment amount;

a third determining unit, configured to determine, according to the investment amount of each asset type, a recommended financial product and a recommended purchase amount of the recommended financial product under each asset type;

a recommending unit for recommending the recommended financial product and the recommended purchase amount of the recommended financial product to the target object.

9. A computer-readable storage medium, in which a computer program is stored, wherein the computer program is configured to carry out the method of any one of claims 1 to 7 when executed.

10. An electronic device comprising a memory and a processor, characterized in that the memory has stored therein a computer program, the processor being arranged to execute the method of any of claims 1 to 7 by means of the computer program.