CN111626861A

CN111626861A - Information display method and device, storage medium and electronic device

Info

Publication number: CN111626861A
Application number: CN202010122388.8A
Authority: CN
Inventors: 徐长焕; 孔祥威; 任鹏远; 谷金冬; 宋佳骏; 苏杰
Original assignee: JD Digital Technology Holdings Co Ltd
Current assignee: JD Digital Technology Holdings Co Ltd
Priority date: 2020-02-26
Filing date: 2020-02-26
Publication date: 2020-09-04

Abstract

The application provides a display method and device of information, a storage medium and an electronic device, wherein the method comprises the following steps: acquiring product reference information corresponding to a target object, wherein the product reference information is reference information for determining a product exchanged with a target exchange resource of the target object; determining a target product combination to be exchanged with a target exchange resource of a target object according to the matching relation between the product reference information and the products in the product pool; and sending the combination information of the target product combination to a client corresponding to the target object for displaying. By the method and the device, the problem that in the related technology, the product exchange scheme is unreasonable in configuration in a mode that a user manually exchanges products 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

Currently, products (e.g., financial products) in a market (e.g., financial market) are of a large variety and quantity. A user (e.g., an investor) may exchange products by manually selecting the product to be exchanged.

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, in the related art, the product exchange scheme is unreasonable in configuration due to the manual product exchange manner of the user.

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 at least solve the problem that in the related art, the product exchange scheme is unreasonable in configuration in a mode that a user manually exchanges products.

According to an aspect of an embodiment of the present application, there is provided a method for displaying information, including: acquiring product reference information corresponding to a target object, wherein the product reference information is reference information for determining a product exchanged with a target exchange resource of the target object; determining a target product combination to be exchanged with a target exchange resource of a target object according to the matching relation between the product reference information and the products in the product pool; and sending the combination information of the target product combination to a client corresponding to the target object for displaying.

Optionally, after sending the combination information of the target product combination to the client corresponding to the target object for display, the method further includes: under the condition that the target object allows the exchange of the target exchange resource and the target product combination, exchanging the target exchange resource and the target product combination according to the product information of the exchange product in the target product combination; and displaying the exchange quantity information of the exchange products exchanged by the target object through the client.

Optionally, the target product combination comprises: after the target product platform sends the combination information of the target product combination to the client corresponding to the target object for display, the method further comprises the following steps: determining a product exchange account number established for a target object in a target product platform; and exchanging the target sub-exchange resources in the target exchange resources into target products with the target quantity under the product exchange account through the product exchange platform.

Optionally, displaying, by the client, exchange quantity information of exchange products exchanged by the target object includes: determining target exchange information and exchange detail information of a target object according to a product type to which each exchange product in a target product combination belongs and a sub-exchange resource corresponding to each exchange product, wherein the target exchange information comprises first exchange resource information used for representing a first exchange resource corresponding to each of a plurality of product types in the target exchange resource, each product type allows one or more products to be exchanged, and the exchange detail information comprises second exchange resource information used for representing a second exchange resource corresponding to each exchange product in each product type in the first exchange resource; and sending the target exchange information and the exchange detail information to the client for display.

Optionally, after sending the combination information of the target product combination to the client corresponding to the target object for display, the method further includes: under the condition that the target object allows the exchange of the target exchange resource and the target product combination, acquiring a resource deviation degree corresponding to the target product combination, wherein the resource deviation degree is a deviation degree between current resource configuration information and target resource configuration information of the target exchange resource, which corresponds to the target product combination; determining a target exchange product in the target product combination under the condition that the resource deviation degree is greater than or equal to the deviation degree threshold value, wherein the target exchange product is a product of the corresponding exchange resource to be adjusted; and adjusting the exchange resources corresponding to the target exchange product to adjust the resource deviation degree.

Optionally, the obtaining the resource deviation degree corresponding to the target product combination includes: acquiring a current resource ratio corresponding to a target product combination, wherein the current resource ratio is used for expressing the proportion of current exchange resources of each product type in a plurality of product types in target exchange resources, and each product type allows one or more products to be exchanged; determining a target resource ratio of the target object, wherein the target resource ratio is the ratio of the exchange resource of each product type to the target exchange resource, which is set by the target object; and determining the resource deviation degree according to the current resource ratio and the target resource ratio.

Optionally, determining, according to the matching relationship between the product reference information and the products in the product pool, a target product combination to be exchanged with the exchange resource of the target object includes: determining a target product type to be exchanged with a target exchange resource of a target object from a plurality of product types according to the product reference information, wherein each product type in the plurality of product types allows one or more products to be exchanged; determining the target quantity of products to be exchanged under the target product type, wherein the products to be exchanged are products to be exchanged with the target exchange resources of the target object; and acquiring target quantity of products to be exchanged according to the grading information of the products belonging to the target product type in the product pool, wherein the target product combination comprises the target quantity of the products to be exchanged.

According to another aspect of embodiments of the present application, there is provided a display device of information, including: the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring product reference information corresponding to a target object, and the product reference information is used for determining a product exchanged with a target exchange resource of the target object; the first determining unit is used for determining a target product combination to be exchanged with the target exchange resource of the target object according to the matching relation between the product reference information and the products in the product pool; and the sending unit is used for sending the combination information of the target product combination to a client corresponding to the target object for displaying.

Optionally, the apparatus further comprises: the first exchange unit is used for exchanging the target exchange resource with the target product combination according to the product information of the exchange product in the target product combination under the condition that the target object allows the exchange of the target exchange resource and the target product combination after the combination information of the target product combination is sent to the client corresponding to the target object for display; and the display unit is used for displaying the exchange quantity information of the exchange products exchanged by the target object through the client.

Optionally, the target product combination comprises: the target product platform shows and the target product of exchange through the product exchange platform, above-mentioned device still includes: the second determining unit is used for determining a product exchange account number established for the target object in the target product platform after the combination information of the target product combination is sent to the client corresponding to the target object for display; and the second exchange unit is used for exchanging the target sub-exchange resources in the target exchange resources into target products with target quantity under the product exchange account through the product exchange platform.

Optionally, the display unit comprises: a first determining module, configured to determine target exchange information and exchange detail information of a target object according to a product type to which each exchange product in a target product combination belongs and a sub-exchange resource corresponding to each exchange product, where the target exchange information includes first exchange resource information used to represent a first exchange resource corresponding to each of a plurality of product types in the target exchange resource, each product type allows exchange of one or more products, and the exchange detail information includes second exchange resource information used to represent a second exchange resource corresponding to each exchange product in each product type in the first exchange resource; and the sending module is used for sending the target exchange information and the exchange detail information to the client for displaying.

Optionally, the apparatus further comprises: the second acquisition unit is used for acquiring a resource deviation degree corresponding to the target product combination under the condition that the target object allows the exchange of the target exchange resource and the target product combination after the combination information of the target product combination is sent to the client corresponding to the target object for display, wherein the resource deviation degree is a deviation degree between the current resource configuration information of the target exchange resource corresponding to the target product combination and the target resource configuration information; a third determining unit, configured to determine a target exchange product in the target product combination when the resource deviation degree is greater than or equal to the deviation degree threshold, where the target exchange product is a product of the exchange resource to be adjusted; and the adjusting unit is used for adjusting the exchange resources corresponding to the target exchange product so as to adjust the resource deviation degree.

Optionally, the second obtaining unit includes: the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a current resource ratio corresponding to a target product combination, the current resource ratio is used for expressing the proportion of current exchange resources of each product type in a plurality of product types in target exchange resources to the target exchange resources, and each product type allows one or more products to be exchanged; the first determining module is used for determining a target resource ratio of the target object, wherein the target resource ratio is the ratio of the exchange resource of each product type in the target exchange resource, which is set by the target object; and the second determining module is used for determining the resource deviation degree according to the current resource ratio and the target resource ratio.

Optionally, the first determination unit includes: the second determining module is used for determining a target product type to be exchanged with the target exchange resource of the target object from the plurality of product types according to the product reference information, wherein each product type in the plurality of product types allows one or more products to be exchanged; the third determining module is used for determining the target quantity of the products to be exchanged under the target product type, wherein the products to be exchanged are the products to be exchanged with the target exchange resources of the target object; and the second acquisition module is used for acquiring the target number of products to be exchanged according to the grading information of the products belonging to the target product type in the product pool, wherein the target product combination comprises the target number of products to be exchanged.

According to a further aspect of an embodiment of the present 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-mentioned method embodiments when executed.

According to a further aspect of an embodiment of the present application, there is also provided an electronic apparatus, including a memory and a processor, the memory storing a computer program therein, the processor being configured to execute the computer program to perform the steps in any of the above method embodiments.

According to the method and the device, the product reference information corresponding to the target object is obtained in a mode of automatically recommending the product according to the matching of the product configuration and the product reference information of the user, wherein the product reference information is the reference information used for determining the product exchanged with the target exchange resource of the target object; determining a target product combination to be exchanged with a target exchange resource of a target object according to the matching relation between the product reference information and the products in the product pool; the combination information of the target product combination is sent to the client corresponding to the target object for display, and exchange products (such as financial products) are recommended according to the matching degree of the product configuration and the product reference information of the user, so that the energy consumption of the user can be reduced, the recommended exchange products are ensured to be in line with the purchase expectation of investors, and the problem that the product exchange scheme is unreasonably configured in a manual product exchange mode of the user in the related art 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 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 displaying information according to an embodiment of the present application;

FIG. 3 is a schematic diagram of an alternative method of displaying information according to an embodiment of the present application;

FIG. 4 is a schematic flow chart diagram illustrating an alternative method for displaying information according to an embodiment of the present application; and the number of the first and second groups,

fig. 5 is a block diagram of an alternative information display device 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 description of the embodiments of the present application are applicable to the following explanations:

(1) intelligent casting (Intelligent casting for short)

The intelligent investment is also called robot investment (robo-advisor), which applies other financial investment theories such as asset portfolio theory and the like to a model by using technologies such as cloud computing, big data, artificial intelligence and the like, 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 allocation suggestions for users, and realizes tracking and automatic adjustment on the portfolio, namely, automatically allocates investment schemes for the investors according to investment parameter information of the investors.

(2) Grade of risk tolerance

The risk tolerance level is used for evaluating the strength of the risk tolerance of investors to financial products such as funds, and the rating can be divided into five grades, wherein the five 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 product

Financial products refer to various carriers of the financing process, 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 method of displaying information. Alternatively, the method may be performed in a server, a product exchange platform (e.g., a backend server of a smart casting platform), 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), wherein the processors 102 may include, but are 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, the server may further include 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 a computer program, for example, a software program and a module of application software, such as a computer program corresponding to the information display method in the embodiment of the present application, and the processor 102 executes various functional applications and data processing by running the computer program stored in the memory 104, so as to implement the method described above. 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 displaying information running on the server is provided, and fig. 2 is a schematic flowchart of an optional method for displaying information according to an embodiment of the present application, and as shown in fig. 2, the flowchart includes the following steps:

step S202, product reference information corresponding to a target object is obtained, wherein the product reference information is reference information used for determining a product exchanged with a target exchange resource of the target object;

step S204, determining a target product combination to be exchanged with a target exchange resource of a target object according to the matching relation between the product reference information and the products in the product pool;

and step S206, sending the combination information of the target product combination to a client corresponding to the target object for displaying.

Optionally, the main body of the above steps may be a server, an intelligent delivery backend, and the like, but is not limited thereto, and other devices capable of displaying information (devices running the intelligent delivery system) may be used to execute the method in the embodiment of the present application.

According to the embodiment, a mode of automatically recommending products according to the matching of the product configuration and the product reference information of the user is adopted, and since the exchanged products (for example, financial products) are recommended according to the matching degree of the product configuration and the product reference information of the user, the problem that in the related art, the product exchange scheme is unreasonably configured in a mode of manually exchanging products by the user is solved, the energy consumption of the user is reduced, the recommended exchanged products are ensured to be in line with the purchase expectation of investors, and the user experience is improved.

The following explains a display method of information in the embodiment of the present application with reference to fig. 2.

In step S202, product reference information corresponding to the target object is acquired, where the product reference information is reference information for determining a product to be exchanged with the target exchange resource of the target object.

A user (investor, user of the intelligent cast system, target object) may log in to a client of a target application, which may provide a product exchange service, e.g. an intelligent cast service, using a target account number. For the intelligent delivery service, the target application may be an application of an intelligent delivery mechanism, or an application of a docking mechanism of the intelligent delivery mechanism, and may correspond to a financial service platform, where the financial service platform may be an intelligent delivery platform of the intelligent delivery mechanism, or a client platform of the docking mechanism.

Within the client's home page or other page, access to a product exchange interface (e.g., a smart-cast interface) may be provided. The product exchange interface is an interface corresponding to a product exchange platform at which product exchange related services can be provided.

For example, the smart casting interface is an interface corresponding to a smart casting system (referred to as a smart casting system for short), and various business interfaces related to the smart casting service can be provided on the smart casting interface. The intelligent delivery system can provide a plurality of services related to intelligent delivery, such as financial product services, position taking and clearing services, transaction services, customer services, strategy services, report inquiry services 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 specifically limited in this embodiment.

At the product exchange interface, the user may perform product exchange authorization so that the product exchange platform or the transaction platform may provide product exchange services for the user, which may include:

(1) recommending the exchanged product combinations to the target object;

the product exchange platform may determine a target product combination configured for the target object according to the product exchange level of the target object and the object information of the target object (and the target exchange resource of the target object), where the target product combination may be a combination of products to be exchanged recommended for the target object, that is, a combination of products to be exchanged for the target exchange resource of the target object through the target exchange platform.

The product to be exchanged can be a financial product sold by the sales platform, the corresponding product exchange platform can run an intelligent investment platform with an intelligent investment system, and the target exchange resource can be a virtual resource, such as exchange amount.

(2) Exchanging product combinations for the user according to the confirmation operation of the user.

After user authorization, the user may be exchanged for the target exchange resource and target product portfolio, e.g., purchasing a certain amount of financial product portfolio for the user.

The above process is described below by taking the product exchange interface as the intelligent investment interface, the product exchange platform as the intelligent investment platform, and the product as the financial product sold by the sales platform as an example.

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.

The intelligent delivery system can provide intelligent delivery service for users, and can comprise: recommending a purchased financial product combination to the user; and applying for purchasing the financial products in the financial product combination for the user according to the confirmed purchasing information of the user.

In order to determine that a target product combination (e.g., a financial product combination) to be purchased is recommended to a user, product reference information of a target object, which is reference information for determining a product to be exchanged with a target exchange resource of the target object, may be first acquired.

The product reference information may be investment attribute information of the target object, the investment attribute information corresponding to an investment attribute of the target object, and may include: the investment risk preference of the user is used for representing the risk bearing capacity of the user, and the investment total amount of the user can be further included. The manner in which the risk tolerance of the user is represented may not be exactly the same in different commissioning systems.

In a smart projection system, a user's investment risk preferences may be represented by a smart projection rating. The intelligent delivery grade of the intelligent delivery system can be set according to the risk bearing capacity of the target object, and can correspond to the risk bearing capacity grade evaluated by the traditional delivery and review system for the user, or can be the grade evaluated by the intelligent delivery system according to the rating test paper and the answer of the user rating test paper. The acquiring investment attribute information of the target object may include: and acquiring the intelligent casting grade of the target object in the intelligent casting system.

In step S204, a target product combination to be exchanged with a target exchange resource of the target object is determined according to the matching relationship between the product reference information and the products in the product pool.

The product exchange platform can automatically determine a target product combination to be exchanged with the target exchange resource of the target object according to the matching relationship between the product reference information and the products in the product pool, and the target product combination can comprise one or more exchange products.

For financial products, the product pool is a financial product pool, the target product portfolio is a financial product portfolio, the exchange product is a financial product, and the product exchange platform can be an intelligent investment platform.

In the case where the product reference information includes investment attribute information, after acquiring the investment attribute information (e.g., a smart cut level), the smart cut system may determine a recommended combination of financial products for the target object, i.e., a target product combination, according to a degree of matching of the investment attribute with a product configuration of financial products in the pool of financial products.

A pool of financial products may be first generated prior to using the pool of financial products. The financial product pool can be dynamically updated according to product configuration information of financial products which are acquired from the sales platform and sold by the intelligent delivery system through the sales platform. The sales platform refers to a platform for selling financial products through the intelligent commissioning system, such as a fund sales platform, a bank financing sales platform, a security dealer resource management plan sales platform, and the like, but is not limited thereto.

The sales platform can send the product configuration information of the financial product sold by the sales platform to the intelligent delivery system, the intelligent delivery system can receive the product configuration information of the financial product, and the product configuration information of the financial product can be any information related to the financial product. Based on the received product configuration information, the sales platform may update the pool of financial products. The product configuration information may use a particular data format, and different fields in the data format may carry different information related to the financial product.

According to different division standards, the product information of products to be exchanged of different product platforms and the product information of products to be exchanged of the same product platform are different, and the product type division standards of different product platforms are greatly different. In order to facilitate management and recommendation of products exchanged by different product platforms, the product exchange platform may divide the products displayed and exchanged by the product exchange platform into a plurality of product types, and the plurality of product types are types of exchanged products set by the product exchange platform.

The following describes the product types by taking the product exchange platform as an intelligent investment platform, the target product as a financial product, the target platform as a target sales platform for selling the financial product, and the product type as an asset type divided for the financial product by the intelligent investment platform as an example.

In order to facilitate management and recommendation of financial products sold by different sales platforms, the intelligent delivery 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 delivery system. For example, according to a broad asset partition, the partitioned asset types may include all or part of the following types: cash, bonds, stocks, gold, overseas.

By identifying a specific field in the product configuration information of the financial product sent by the sales platform, the financial product can be matched with the asset type, and the asset type corresponding to the financial product can be determined.

The way of matching the financial product with the asset type may be manual matching or automatic matching. For the matched asset type, the corresponding relationship between the financial product and the asset type (indicating that the financial product belongs to the matched asset type) may be saved in the database.

According to the information stored in the database, a financial product white list (simply referred to as a white list), a fund pool and the like can be determined to be configured from the financial product pool, wherein the white list can be a financial product with higher income and better credibility set in the intelligent delivery system. The white list may contain one or more financial products for each asset type. The fund pool may contain financial products in the pool of financial products other than the financial products in the whitelist (if any). The white list and the fund pool are configured in a specific manner, which is not limited in this embodiment.

For each of the plurality of asset types, a predetermined number of base financial products may be configured, the base financial products being used to determine recommended financial products under each asset type for the user. Configuring the predetermined number of base financial products may be: a predetermined number of base financial products are configured for each asset type using a white list of financial products and/or a fund pool.

The number of base financial products under each asset type may be preset, and the number of base financial products under each asset type may be the same or different. For example, the number of configurable base financial products under each asset type may be set separately.

The whitelist may be queried for asset types to obtain a first quantity of first financial products in the whitelist that belong to each asset type. 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.

In the case where the first number is greater than or equal to the predetermined number, a target number of first financial products may be determined from the first number of first financial products as the recommended financial products for the 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.

In the event that the first number is less than the predetermined number, it may be determined whether configuration of financial products other than the whitelist is permitted; in the event that configuration of financial products other than the white list is permitted, the fund pool is queried by asset type for a second quantity of second financial products under each asset type, wherein the sum of the first quantity and the second quantity is a predetermined quantity. The first and second quantities of the first and second financial products may be used as the predetermined quantity of base financial products.

The intelligent delivery system may set whether configuration of financial products other than white lists is allowed. If the setting allows for the configuration of financial products other than the white list, the financial products in the fund pool may be configured as base financial products when the amount 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 are not allowed to be configured, financial products other than the white list are not allowed to be configured even if the number of financial products under a certain asset type in the white list is insufficient.

The manner of querying the fund pool to obtain the second amount of the second financial products may be various, for example, the financial products with the score higher than the score threshold may be randomly selected, the financial products may be sequentially obtained in the order of the score from high to low, or the financial products may be randomly selected from the fund pool.

Whether basic financial products except the white list are allowed to be configured or not is set, so that the reliability and diversity of the configured basic financial products can be considered, and the user experience is improved.

In this manner, a pool of financial products may be configured, as well as a base financial product under each of a plurality of asset types.

For the financial products in the financial product pool, the investment attribute information can be used in various ways to match out the recommended financial product combination for the target object.

As an alternative implementation, the investment attribute information and the product configuration of the financial products in the financial product pool may be directly used for matching, the financial products matched with the investment attribute information of the target object sequentially acquire a certain number of recommended financial products (preset or determined according to the minimum purchase amount, the maximum purchase amount, and the like of the financial products) according to the order of scores from high to low, and determine the recommended purchase amount of each recommended financial product according to average distribution or according to the minimum purchase amount, the maximum purchase amount, and the like of the financial products.

As another alternative, matching of financial products under multiple asset types may be performed according to the investment attribute information. The investment attribute information may affect the recommended purchase amount for a plurality of asset types or, alternatively, the recommended target asset type and the recommended purchase amount for the target asset type.

For example, a first asset allocation ratio of a plurality of asset types may be determined according to the investment attribute information of the target object, and then a recommended financial product and a recommended purchase amount under each asset type may be determined according to the first asset allocation ratio, or a second asset allocation ratio of the target asset type may be determined by matching a recommended target asset type from the plurality of asset types according to the investment attribute information of the target object, and a recommended financial product and a recommended purchase amount under each target asset type may be determined according to the second asset allocation ratio.

As an alternative embodiment, the smart throwing system may determine the first asset proportion of the target object according to the investment attribute information (which may include the smart throwing level and the user information) of the target object. The first 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 financial status, financial plan. The financial condition may be represented by user financial 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.

According to the intelligent investment grade of the target object, the standard asset ratio corresponding to the intelligent investment grade can be determined; and adjusting the standard asset matching ratio according to the object information of the target object to obtain a first asset matching ratio 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 proportion is used to represent the investment proportion of each of a plurality of asset types (or, target 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 first asset proportion configured for the target object is obtained.

For example, the user's intellectual investment level is a2 (robust type), if the user needs house credit and car credit every month, the cash share in the standard asset allocation can be adjusted, and the adjusted asset allocation can 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 is very different, the asset proportion after adjustment may be various, thereby realizing the personalized asset configuration modes of different users, that is, realizing the front of thousands of people. The standard asset matching corresponding to the intelligent investment level of the user is adjusted according to the object information of the user, so that personalized asset matching can be provided for different users, the rationality of the asset matching is improved, and the user experience is further improved.

In addition to the asset allocation configured by the intelligent delivery system for the user, 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.

After the first asset allocation is obtained, an investment amount for each asset type may be determined in accordance with the first asset allocation and the total investment amount. And determining the investment amount of each asset type according to the proportion of the total investment amount of the target object to each asset type in the first asset proportion.

For example, the first asset mix of the user is: cash 40%, bond 30%, stock 5%, gold 20%, overseas 5%, and the total investment of the user 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.

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 recommended quantity of the recommended financial products may be one or more, and the corresponding recommended purchase amounts of different recommended financial products may be the same or different.

The recommended number of recommended financial products for each asset type may be a system-set number or a number set by the target object through a setting interface. The recommended financial products for each asset type may be configured in such a manner that a recommended number of basic financial products are obtained from the basic financial products for each asset type, for example, the basic financial products are randomly extracted, or the basic financial products are sequentially extracted in order of high to low according to product scores of the financial products.

After the recommended financial products are determined, the investment amount of each asset type may be allocated to the recommended financial products under each asset type according to a target proportion (the target proportion may be preset, for example, evenly allocated), the recommended purchase amount of the recommended financial products is obtained, and the recommended financial products and the recommended purchase amount of the recommended financial products are recommended to the user.

It should be noted that the asset type is a form of a product type, and for other exchange products except financial products, the product type division and the determination manner of recommending the exchange products and the like may be performed in a manner similar to the financial products, which is not described herein again.

As another optional implementation, determining a target product combination to be exchanged with an exchange resource of a target object according to a matching relationship between the product reference information and the products in the product pool includes: determining a target product type to be exchanged with a target exchange resource of a target object from a plurality of product types according to the product reference information, wherein each product type in the plurality of product types allows one or more products to be exchanged; determining the target quantity of products to be exchanged under the target product type, wherein the products to be exchanged are products to be exchanged with the target exchange resources of the target object; and acquiring target quantity of products to be exchanged according to the grading information of the products belonging to the target product type in the product pool, wherein the target product combination comprises the target quantity of the products to be exchanged.

A target product type to be exchanged with the target exchange resource of the target object may be determined from a plurality of product types using the product reference information. The matching relationship between the product reference information and the target product type can be preset.

For the target product type, the target number of the products to be exchanged under the target product type can be determined, and the products to be exchanged with the target number are selected from the product pool, and the basis for selecting the products to be exchanged can be as follows: and (4) grading information of the product.

For a financial product, a target asset type recommended for a target object may be determined from a plurality of asset types using investment attribute information (e.g., a level of intelligent investment). The recommended target asset types may be: the risk level is not higher than the investment risk preference (intelligent investment level) of the target object. The number of target asset types may be one or more.

For example, if the user's level of mental projection is A2 (robust), the target asset types configured for it may include: cash, bond.

For the determined target asset type, a second asset allocation for the target asset type may be determined, as well as a recommended financial product and a recommended purchase amount for each target asset type.

It should be noted that the target asset type may be configured by setting the standard asset matching ratio corresponding to each intelligent investment level, that is, the matching ratio between the standard asset matching ratio and other asset types of the plurality of asset types except the target asset type is set to 0, and then the standard matching ratio is adjusted according to the object information to obtain the second asset matching ratio, and the recommended financial product and the recommended purchase amount under each target asset type are determined in a similar manner to the foregoing, which is not described herein again

By the method and the device, the target product type recommended for the target object is determined according to the product reference information, the risk of exchanging products recommended for the user can be prevented from exceeding the bearing capacity of the user, and the user experience is improved.

In step S206, the combination information of the target product combination is sent to the client corresponding to the target object for display.

For the determined target product combination, the combination information of the target product combination can be sent to the client corresponding to the target object, and the client displays the combination information of the target product combination.

For financial products, after determining the recommended financial products and the recommended purchase amount under each asset type, recommendation information can be sent to the client of the user, wherein the recommendation information comprises: the recommended financial product and the recommended purchase amount of the recommended financial product for each asset type, and the recommendation information may further include a recommended asset mix (e.g., a first asset mix, a second asset mix). The recommended financial products, the recommended purchase amount and the recommended asset proportion can be displayed on the intelligent investment interface of the client in a graphical mode.

The user may send authorization information or indication information to the intelligent delivery system through the client to indicate that the user agrees to purchase the recommended financial product in accordance with the recommended asset mix and the recommended purchase amount. Based on the authorization information and the indication information, the smart casting system may purchase a recommended financial product of the set of financial products for the user.

As an optional embodiment, after the combination information of the target product combination is sent to the client corresponding to the target object for display, and in the case that the target object allows the exchange of the target exchange resource and the target product combination, the target exchange resource is exchanged with the target product combination according to the product information of the exchange product in the target product combination; and displaying the exchange quantity information of the exchange products exchanged by the target object through the client.

If the target object allows the exchange of the target exchange resource and the target product combination, the product exchange platform can exchange the target exchange resource and the target product combination according to the product information of the exchange product in the target product combination, and display the exchange quantity information of the exchange product exchanged by the target object through the client after the exchange is successful.

For example, if the user agrees to purchase the recommended financial product in the financial product portfolio in accordance with the configured recommended purchase amount, each financial product in the financial product portfolio may be declared for the target object based on product information (e.g., belonging sales platform, product number, etc.) of the financial product in the financial product portfolio. The financial products of the financial product portfolio can be automatically placed in batch at a time.

After the financial products in the financial product combination are successfully purchased, the intelligent delivery system can determine the position taken by the target object for the financial products in the financial product combination, obtain position taken information of the target object, and send the obtained position taken information to the client side of the target object for display.

After the position taking information of the target object on the financial products in the financial product combination is received, the client can display the position taking information through the intelligent delivery interface.

Through the embodiment, when the user allows the exchange of the target exchange resource and the target product combination, the order is automatically issued for the user, so that the user operation can be reduced, and the user experience is improved.

It should be noted that the target product combination may include: and the target product platform displays and exchanges the target product through the product exchange platform. The target product portfolio may be a target financial product portfolio, the target product may be a financial product, and exchanging the exchange resources and the target product may refer to: a certain amount of financial products is purchased.

As an optional embodiment, after sending the combination information of the target product combination to the client corresponding to the target object for display, the product exchange account established for the target object in the target product platform may be determined; and exchanging the target sub-exchange resources in the target exchange resources into target products with the target quantity under the product exchange account through the product exchange platform.

The target product platform of the target product can be determined whether an available product exchange account is established for the target object, and if the available product exchange account is established, the target sub-exchange resources in the target exchange resources can be exchanged for the target products with the target quantity under the product exchange account.

For a financial product, there may be multiple financial products in a financial product portfolio, and different financial products may belong to different sales platforms. For each of the financial products, a purchase of the financial product may be made using a transaction account opened for the target object in a sales platform to which the respective financial product belongs.

For a first financial product in the set of financial products, the first financial product belonging to a first sales platform, and the target object having a first account for purchasing the first financial product, the first financial product may be purchased for the target object using the first account.

For a second financial product in the financial product combination, the second financial product may belong to a second sales platform, and the target object does not purchase an account of the second financial product, a second account for purchasing the second financial product may be opened for the target object in a request response manner through the intelligent delivery system and the second sales platform, and then the second financial product may be purchased for the target object by using the second account.

According to the embodiment, an account is opened or an order is placed according to the product configuration details of the combined product (financial product combination), so that the success rate of product exchange can be improved.

As an alternative embodiment, displaying, by the client, exchange quantity information of exchange products exchanged by the target object includes: determining target exchange information and exchange detail information of a target object according to a product type to which each exchange product in a target product combination belongs and a sub-exchange resource corresponding to each exchange product, wherein the target exchange information comprises first exchange resource information used for representing a first exchange resource corresponding to each of a plurality of product types in the target exchange resource, each product type allows one or more products to be exchanged, and the exchange detail information comprises second exchange resource information used for representing a second exchange resource corresponding to each exchange product in each product type in the first exchange resource; and sending the target exchange information and the exchange detail information to the client for display.

The product exchange platform can analyze the overall situation, the details, the income and other dimensions of the target product combination exchanged by the target object to obtain the total exchange information and the exchange details information of the target object, and display the information of each dimension through the client, wherein,

(1) the total exchange information is target exchange information and may include: first exchange resource information for representing a first exchange resource of the target exchange resource corresponding to each of a plurality of product types, each product type allowing exchange of one or more products;

(2) the exchange detail information may include second exchange resource information indicating a second exchange resource corresponding to each exchange product under each product type among the first exchange resources.

For example, for a financial product, the smart projection system may analyze the overall situation and details of the position taken by the target object and the dimensions such as income to obtain the total position taken information and position taken details information of the target object.

The total position information is used for representing the total position of the target object to the financial product, and can be position information of the target object to each asset type in a plurality of asset types. The total position taken information may further include at least one of the following information: current asset value, asset value of each asset type, occupation ratio of each asset type, income increase amplitude, net worth, daily position margin, daily income amount.

The position taken details information is used for representing position taken information of the financial products under each asset type, and may include at least one of the following information: financial product name, asset type to which it belongs, date of purchase, current holding amount, lowest holding amount, highest holding amount, estimated income, cumulative income, historical income, details of the diversion (e.g., date of diversion, holding amount before diversion, holding amount after diversion, etc.).

The intelligent delivery system can convert the total position taking information and the position taking details information of the target object into a chart form, and sends the converted total position taking information and the converted position taking details information to a client of the target object so as to be displayed to the target object.

Through this embodiment, through carrying out analysis and show to the user to each dimension such as the whole condition and the detail of the product combination that the user exchanged, and income, can be convenient for the user to know the exchange product details, improve user experience.

For financial products purchased by a user, the position taking maintenance can be periodically carried out, the position adjusting prompt is carried out according to the deviation degree calculated on line every day or when the user logs in, and the position adjusting treatment is carried out according to the will of the user.

As an optional embodiment, in a case that the target object allows exchanging the target exchange resource and the target product combination, obtaining a resource deviation degree corresponding to the target product combination, where the resource deviation degree is a deviation degree between current resource configuration information of the target exchange resource and target resource configuration information corresponding to the target product combination; determining a target exchange product in the target product combination under the condition that the resource deviation degree is greater than or equal to the deviation degree threshold value, wherein the target exchange product is a product of the corresponding exchange resource to be adjusted; and adjusting the exchange resources corresponding to the target exchange product to adjust the resource deviation degree.

If the target object allows the target exchange resource and the target product combination to be exchanged, the resource deviation degree corresponding to the target product combination can be periodically acquired. The resource deviation degree is the deviation degree between the current resource configuration information and the target resource configuration information of the target exchange resource corresponding to the target product combination. The resource configuration may be any resource configuration, for example, a relationship between the exchange resources corresponding to the respective exchange products, a relationship between the exchange resources corresponding to the exchange products having the relationship, and the like.

For the financial product, the asset deviation condition of the user can be calculated off-line periodically (daily or every two days), for example, after the end of a day, the deviation condition of each user with position taking is calculated, and the position adjusting is carried out according to the asset deviation condition. The calculated degree of deviation may be: the degree of deviation between the user's latest actual asset mix (current asset mix) and the latest configured asset mix.

If the resource deviation is greater than or equal to the deviation threshold, it may be determined that the current resource allocation of the target object is not reasonable and an exchange product adjustment (e.g., adjusting a taken position of a financial product) is required. The adjustment may be divided into a call-in (an amount of resources to be increased) and a call-out (an amount of resources to be decreased), and the exchange product having a high degree of deviation may be determined as a target exchange product to be adjusted, for example, a target financial product.

For a financial product, if the asset deviation is greater than or equal to the deviation threshold, it may be determined that the user's current asset mix is not reasonable and a position adjustment (position taken adjustment) is required. The transfer bin can be divided into a transfer in and a transfer out, and the financial product with a high degree of deviation can be determined as the financial product to be transferred, i.e., the target financial product.

According to the deviation degree of each asset type, the asset type to be called out and the asset type to be called in a plurality of asset types can be determined firstly; and then determining the financial products to be called out and the financial products to be called in the financial product combination.

For example, the asset type with a high degree of deviation may be determined as the asset type to be called out and the asset type to be called in.

For the type of asset to be called out, the financial product with the lowest product score, or the financial product less than or equal to the first score threshold value, may be selected as the financial product to be called out. For the type of asset to be called in, the financial product with the highest product score, or the financial product with a score less than or equal to the second score threshold value, may be selected as the financial product to be called in.

It should be noted that the financial product to be called may be a financial product belonging to the type of asset to be called except for a combination of financial products purchased by the user, and the score of the financial product may be greater than or equal to the third score threshold.

And determining the type of the assets to be called out and the type of the assets to be called in according to the deviation degree of each asset type, and further determining the financial products to be called out and the financial products to be called in, so that the accuracy and the order of determining the financial products to be called out can be ensured.

For a target financial product, a taken position of the target financial product may be adjusted (i.e., a position adjustment). The warehousing of the target financial product requires authorization of the target object. The authorization may be pre-acquired, i.e., the target object allows the intelligent delivery system to automatically reconcile the financial product, or may be acquired through interaction with the target object after the target financial product is determined.

There are various ways to adjust the taken position of the target financial product, for example, the taken position can be adjusted according to the purchase limit (the lowest purchase limit, the highest purchase limit, etc.) of the financial product, the adjustable position time, the estimated position amount and/or the estimated position percentage, etc. In this embodiment, the specific manner of adjusting the bin is not particularly limited.

Through this embodiment, transfer the storehouse according to the skew degree of financial product combination, can improve the rationality of transferring the storehouse, avoid wrong transfer the storehouse.

As an alternative embodiment, the obtaining the resource deviation degree corresponding to the target product combination includes: acquiring a current resource ratio corresponding to a target product combination, wherein the current resource ratio is used for expressing the proportion of current exchange resources of each product type in a plurality of product types in target exchange resources, and each product type allows one or more products to be exchanged; determining a target resource ratio of the target object, wherein the target resource ratio is the ratio of the exchange resource of each product type to the target exchange resource, which is set by the target object; and determining the resource deviation degree according to the current resource ratio and the target resource ratio.

In order to calculate the resource deviation degree of the target object, the current resource ratio and the target resource ratio of the target object may be obtained respectively. And determining the resource deviation degree of the target object according to the difference degree between the target resource ratio and the current resource ratio.

Taking a financial product as an example, in order to calculate the asset bias (acting-resource bias) of the target object, the current asset proportion and the target asset proportion of the target object may be obtained respectively. And determining the asset deviation degree of the target object according to the difference degree between the target asset ratio and the current asset ratio.

The current asset allocation is the current actual asset allocation of the target object. From the large class (asset type) to which each financial product in the financial product portfolio belongs, the current investment share for each of the plurality of asset types, i.e., the proportion of the investment amount of each asset type to the current total investment amount of the target object, can be determined.

The latest target asset allocation matched with the target object of the intelligent delivery system can be determined as the target asset allocation of the target object. The target asset matching ratio can be the latest asset matching ratio determined by the intelligent delivery system for the user according to the intelligent delivery grade of the target object, the user information and the like, and can also be the latest asset matching ratio of the reference object.

The current asset mix and the target asset mix of the target object are different due to the change of the income of the target object, the expiration of the financial product, the update of the asset mix of the reference object and the like. After the current asset allocation and the target asset allocation of the target object are obtained, the deviation degree of the current asset allocation and the target asset allocation can be used as the asset deviation degree of the target object, wherein the deviation degree can be used for evaluating the deviation degree.

The asset bias may be calculated in a variety of ways, for example, the asset bias may be determined based on the difference between the target asset allocation and the occupation ratio of each asset type in the current asset allocation (i.e., the difference in the proportions).

The proportion difference of the proportion of each asset type in the current asset proportion and the target asset proportion can be determined; and determining the asset deviation degree of the target object according to the proportion difference value of each asset type. For example, the proportional differences for each asset type may be weighted and summed to obtain the asset bias.

The weight value of each asset type may be set according to an empirical value, and for simple setup, the weight values of each asset type may be set to 1 (or 0.5). The above description is merely an example, and this is not specifically limited in this embodiment.

According to the embodiment, the resource deviation degree is calculated according to the current resource ratio and the target resource ratio, and the deviation degree calculation efficiency can be improved.

The following description is made with reference to a display method of information of an alternative example embodiment of the present application. In this example, the exchanged resource is a purchase amount, the exchanged product is a financial product sold by the sales platform, the product exchange platform is an intelligent investment platform, the product type is an asset type, and the resource deviation is an asset deviation.

Fig. 4 is a schematic flowchart of another optional information display method according to an embodiment of the present application, and as shown in fig. 4, the flowchart may include the following steps:

and step S402, the system automatically carries out product recommendation and detail display according to the matching of the product configuration and the user investment attribute.

The intelligent delivery system can show the financial products recommended to a user (investor) to the details of the user according to the matching degree of the configuration information of the products and the investment attributes of the user, wherein the recommendation is a combination of a plurality of financial products.

And S404, opening an account according to the basic financial product configuration details of the combined product.

The intelligent delivery system opens an account or places an order (automatically places the order in batch at a time) according to the configuration details of the basic financial products of the combined products.

Step S406, displaying information for the user.

The intelligent delivery system can display information to the user through the client of the user, and the user finally sees the analysis of all dimensions such as the whole situation and detail of taking a position and income.

And step S408, periodic position taking maintenance.

Calculating deviation degree on line according to each day (for example, after the end of each day) or when the user logs in, saving the deviation degree to a daily deviation table, performing a transferring prompt, and performing transferring according to the transferring desire of the user or default transferring setting.

In performing revenue calculations, the combined revenue case may be calculated offline (e.g., current calculations or calculations performed 10 o' clock the day). The calculated information may include, but is not limited to, the following: current asset value, income increase, net value, daily position-holding income amount, daily income amount.

In the post-clearing processing, the daily combined revenue table is processed, and the information can be counted according to the following modes:

(1) the current asset value is share + net value, the property bought on the day is sum (combined bought additional confirmation amount), the property sold on the day is sum (combined sold total confirmation amount), the combined total share is the total share on the day + property bought on the day/(net value on day,

(2) net value-current asset value/current total share,

(3) the daily yield of taking a position is sum (thinning yield),

(4) the income increase (total income of the current total income-last day)/current property,

(5) the daily profit amount is the current asset-the last day asset.

According to the embodiment, product recommendation is automatically carried out according to the matching of product configuration and user investment attributes, so that the product purchase rationality of a user is improved, and the time occupation of the user is reduced; the information of all dimensions such as the whole situation, the details, the income and the like of the taken position is displayed to the user, so that the knowledge of the user on the assets can be improved, and the user experience is improved; and maintenance is performed according to the deviation degree, so that the rationality of purchasing products is 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 the embodiments of the present application, there is provided an information display apparatus for implementing the display method of information in the above embodiments. 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. 5 is a block diagram of an alternative information display device according to an embodiment of the present application, and as shown in fig. 5, the device includes:

(1) a first obtaining unit 52, configured to obtain product reference information corresponding to a target object, where the product reference information is reference information used to determine a product exchanged with a target exchange resource of the target object;

(2) a first determining unit 54, connected to the first obtaining unit 52, configured to determine, according to a matching relationship between the product reference information and a product in a product pool, a target product combination to be exchanged with the target exchange resource of the target object;

(3) and the sending unit 56 is connected to the first determining unit 54, and is configured to send the combination information of the target product combination to a client corresponding to the target object for display.

Alternatively, the first acquiring unit 52 may be used in step S202 in the above-described embodiment, the first determining unit 54 may be used in step S204 in the above-described embodiment, and the sending unit 56 may be used to execute step S206 in the above-described embodiment.

By adopting the method of automatically recommending products according to the matching of the product configuration and the product reference information of the user, since the exchanged products (for example, financial products) are recommended according to the matching degree of the product configuration and the product reference information of the user, the problem that the product exchange scheme configuration is unreasonable in the method of manually exchanging products by the user in the related art is solved, the energy consumption of the user is reduced, the recommended exchanged products are ensured to meet the purchase expectation of investors, and the user experience is improved.

As an alternative embodiment, the apparatus further comprises:

(1) the first exchange unit is used for exchanging the target exchange resource with the target product combination according to the product information of the exchange product in the target product combination under the condition that the target object allows the exchange of the target exchange resource and the target product combination after the combination information of the target product combination is sent to the client corresponding to the target object for display;

(2) and the display unit is used for displaying the exchange quantity information of the exchange products exchanged by the target object through the client.

As an alternative embodiment, the target product combination comprises: the target product platform shows and the target product of exchange through the product exchange platform, above-mentioned device still includes:

(1) the second determining unit is used for determining a product exchange account number established for the target object in the target product platform after the combination information of the target product combination is sent to the client corresponding to the target object for display;

(2) and the second exchange unit is used for exchanging the target sub-exchange resources in the target exchange resources into target products with target quantity under the product exchange account through the product exchange platform.

As an alternative embodiment, the display unit includes:

(1) a first determining module, configured to determine target exchange information and exchange detail information of a target object according to a product type to which each exchange product in a target product combination belongs and a sub-exchange resource corresponding to each exchange product, where the target exchange information includes first exchange resource information used to represent a first exchange resource corresponding to each of a plurality of product types in the target exchange resource, each product type allows exchange of one or more products, and the exchange detail information includes second exchange resource information used to represent a second exchange resource corresponding to each exchange product in each product type in the first exchange resource;

(2) and the sending module is used for sending the target exchange information and the exchange detail information to the client for displaying.

As an alternative embodiment, the apparatus further comprises:

(1) the second acquisition unit is used for acquiring a resource deviation degree corresponding to the target product combination under the condition that the target object allows the exchange of the target exchange resource and the target product combination after the combination information of the target product combination is sent to the client corresponding to the target object for display, wherein the resource deviation degree is a deviation degree between the current resource configuration information of the target exchange resource corresponding to the target product combination and the target resource configuration information;

(2) a third determining unit, configured to determine a target exchange product in the target product combination when the resource deviation degree is greater than or equal to the deviation degree threshold, where the target exchange product is a product of the exchange resource to be adjusted;

(3) and the adjusting unit is used for adjusting the exchange resources corresponding to the target exchange product so as to adjust the resource deviation degree.

As an alternative embodiment, the second obtaining unit includes:

(1) the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a current resource ratio corresponding to a target product combination, the current resource ratio is used for expressing the proportion of current exchange resources of each product type in a plurality of product types in target exchange resources to the target exchange resources, and each product type allows one or more products to be exchanged;

(2) the first determining module is used for determining a target resource ratio of the target object, wherein the target resource ratio is the ratio of the exchange resource of each product type in the target exchange resource, which is set by the target object;

(3) and the second determining module is used for determining the resource deviation degree according to the current resource ratio and the target resource ratio.

As an alternative embodiment, the first determination unit includes:

(1) the second determining module is used for determining a target product type to be exchanged with the target exchange resource of the target object from the plurality of product types according to the product reference information, wherein each product type in the plurality of product types allows one or more products to be exchanged;

(2) the third determining module is used for determining the target quantity of the products to be exchanged under the target product type, wherein the products to be exchanged are the products to be exchanged with the target exchange resources of the target object;

(3) and the second acquisition module is used for acquiring the target number of products to be exchanged according to the grading information of the products belonging to the target product type in the product pool, wherein the target product combination comprises the target number of products to be exchanged.

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, acquiring product reference information corresponding to the target object, wherein the product reference information is reference information for determining a product exchanged with the target exchange resource of the target object;

s2, determining a target product combination to be exchanged with the target exchange resource of the target object according to the matching relation between the product reference information and the products in the product pool;

and S3, sending the combination information of the target product combination to the client corresponding to the target object for display.

Optionally, in this embodiment, the storage medium may include, but is not limited to, at least one of the following: various media capable of storing 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:

Optionally, for an optional example in this embodiment, reference may be made to the examples described in the above embodiment and optional implementation, and this embodiment is 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 of displaying information, comprising:

acquiring product reference information corresponding to a target object, wherein the product reference information is reference information used for determining a product exchanged with a target exchange resource of the target object;

determining a target product combination to be exchanged with the target exchange resource of the target object according to the matching relation between the product reference information and the products in the product pool;

and sending the combination information of the target product combination to a client corresponding to the target object for displaying.

2. The method of claim 1, wherein after the sending the combination information of the target product combination to the client corresponding to the target object for display, the method further comprises:

under the condition that the target object allows the target exchange resource and the target product combination to be exchanged, exchanging the target exchange resource and the target product combination according to product information of an exchange product in the target product combination;

displaying, by the client, exchange quantity information of the exchange product exchanged by the target object.

3. The method of claim 2, wherein the target product portfolio comprises: the target product platform displays and exchanges the target product through the product exchange platform, and after the combination information of the target product combination is sent to the client corresponding to the target object for display, the method further comprises the following steps:

determining a product exchange account number established for the target object in the target product platform;

and exchanging the target sub-exchange resources in the target exchange resources into the target products with the target quantity under the product exchange account through the product exchange platform.

4. The method of claim 2, wherein the displaying, by the client, exchange quantity information for the exchange product exchanged by the target object comprises:

determining target exchange information and exchange detail information of the target object according to a product type to which each exchange product in the target product combination belongs and a sub-exchange resource corresponding to each exchange product, wherein the target exchange information comprises first exchange resource information used for representing a first exchange resource corresponding to each product type in a plurality of product types in the target exchange resource, each product type allows exchange of one or more products, and the exchange detail information comprises second exchange resource information used for representing a second exchange resource corresponding to each exchange product in each product type in the first exchange resource;

and sending the target exchange information and the exchange detail information to the client for display.

5. The method of claim 1, wherein after the sending the combination information of the target product combination to the client corresponding to the target object for display, the method further comprises:

under the condition that the target object allows the target exchange resource and the target product combination to be exchanged, acquiring a resource deviation degree corresponding to the target product combination, wherein the resource deviation degree is a deviation degree between current resource configuration information and target resource configuration information of the target exchange resource, which correspond to the target product combination;

determining a target exchange product in the target product combination under the condition that the resource deviation degree is greater than or equal to a deviation degree threshold value, wherein the target exchange product is a product of the corresponding exchange resource to be adjusted;

and adjusting the exchange resources corresponding to the target exchange product to adjust the resource deviation degree.

6. The method of claim 5, wherein the obtaining the resource deviation corresponding to the target product combination comprises:

obtaining a current resource ratio corresponding to the target product combination, wherein the current resource ratio is used for representing the proportion of current exchange resources of each product type in a plurality of product types in the target exchange resources, and each product type allows for exchanging one or more products;

determining a target resource ratio of the target object, wherein the target resource ratio is a ratio of the exchange resource of each product type to the target exchange resource, which is set by the target object;

and determining the resource deviation degree according to the current resource ratio and the target resource ratio.

7. The method according to any one of claims 1 to 6, wherein the determining a target product combination to be exchanged with the exchange resource of the target object according to the matching relationship between the product reference information and the products in the product pool comprises:

determining a target product type to be exchanged with the target exchange resource of the target object from a plurality of product types according to the product reference information, wherein each product type in the plurality of product types allows one or more products to be exchanged;

determining the target quantity of products to be exchanged under the target product type, wherein the products to be exchanged are products to be exchanged with the target exchange resources of the target object;

and acquiring the target number of the products to be exchanged according to the grading information of the products belonging to the target product type in the product pool, wherein the target product combination comprises the target number of the products to be exchanged.

8. A display device for information, comprising:

the system comprises a first acquisition unit, a second acquisition unit and a third acquisition unit, wherein the first acquisition unit is used for acquiring product reference information corresponding to a target object, and the product reference information is used for determining a product exchanged with a target exchange resource of the target object;

a first determining unit, configured to determine, according to a matching relationship between the product reference information and a product in a product pool, a target product combination to be exchanged with the target exchange resource of the target object;

and the sending unit is used for sending the combination information of the target product combination to a client corresponding to the target object for displaying.

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.