CN113313597B - Product combination recommendation method, device and system, storage medium and electronic device - Google Patents

Product combination recommendation method, device and system, storage medium and electronic device Download PDF

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CN113313597B
CN113313597B CN202010121643.7A CN202010121643A CN113313597B CN 113313597 B CN113313597 B CN 113313597B CN 202010121643 A CN202010121643 A CN 202010121643A CN 113313597 B CN113313597 B CN 113313597B
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account
platform
combination scheme
scheme
target combination
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CN113313597A (en
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徐长焕
孔祥威
任鹏远
苏杰
宋佳骏
谷金冬
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Jingdong Technology Holding Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0631Item recommendations
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

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Abstract

The application discloses a recommendation method, device and system for product combination, a storage medium and an electronic device. Wherein the method comprises the following steps: acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform; searching a target combination scheme from a first scheme set according to account information of a first account, wherein the combination scheme in the first scheme set is a combination scheme for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of a second account of the second platform; and displaying a target combination scheme recommended to the first account on the recommendation interface under the condition that the first account enters the recommendation interface of the second platform. The application solves the technical problem of lower service providing efficiency in the related technology.

Description

Product combination recommendation method, device and system, storage medium and electronic device
Technical Field
The application relates to the field of finance, in particular to a recommendation method, a recommendation device, a recommendation system, a storage medium and an electronic device for product combination.
Background
With the improvement of the living standard of people, the available funds in the hands are more and more, and more economic benefits can be obtained through the investment of some financial and financial products. The financial products (Financial Products) refer to various carriers of the funds-transfer process, including currency, gold, foreign exchange, securities, etc. That is, these financial products are the buying and selling objects of the financial market, and the suppliers and the consumers form the price of the financial products, such as the interest rate or the yield rate, through the market competition principle, and finally complete the transaction, thereby achieving the purpose of financing. Such as stocks, futures, options, policies, etc., are Financial Assets (Financial Assets), also called Financial instruments (Financial Instruments), also called Securities (Securities).
With the deep promotion of the construction of the multilevel capital market system in China, the competition of securities industry is aggravated, investors need more targeted and more effective investment services, and the communication between the investment consultants and the investors is mostly in telephone and interview modes at present, so that the working efficiency is low and the investment cost is high.
Similarly, in the fields of games, social interactions and the like, each game platform or social platform needs to establish a transaction system of products such as own game props and social props, and users have similar problems in the process of using the system and need to search web pages, game descriptions and the like to find out required game props, social props and the like.
In view of the above problems, no effective solution has been proposed at present.
Disclosure of Invention
The embodiment of the application provides a recommending method, device and system for product combination, a storage medium and an electronic device, which are used for at least solving the technical problem of low service providing efficiency in the related technology.
According to an aspect of the embodiment of the present application, there is provided a recommendation method for a product combination, including: acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform; searching a target combination scheme from a first scheme set according to account information of a first account, wherein the combination scheme in the first scheme set is a combination scheme for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of a second account of the second platform; and displaying a target combination scheme recommended to the first account on the recommendation interface under the condition that the first account enters the recommendation interface of the second platform.
According to another aspect of the embodiment of the present application, there is also provided a recommendation device for product combination, including: the system comprises an acquisition unit, a storage unit and a storage unit, wherein the acquisition unit is used for acquiring account information of a first account in a first database of a first platform, the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform; the searching unit is used for searching a target combination scheme from the first scheme set according to the account information of the first account, wherein the combination scheme in the first scheme set is a combination scheme for recommending on the second platform, and the target combination scheme is a combination scheme under a sub-account of the second platform; and the recommending unit is used for displaying a target combination scheme recommended to the first account on the recommending interface under the condition that the first account enters the recommending interface of the second platform.
According to another aspect of the embodiment of the present application, there is also provided a recommendation system for product combination, including: the system comprises a first platform, a second platform and a target combination scheme, wherein the first platform is used for acquiring account information of a first account from a first database, searching a target combination scheme from a first scheme set according to the account information of the first account, the first database is a database which is associated with a second platform in the first platform, the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account; and the second platform is used for displaying a target combination scheme recommended to the first account number on the recommendation interface under the condition that the first account number enters the recommendation interface of the second platform, wherein the first account number is the account number used in the second platform.
According to another aspect of the embodiments of the present application, there is also provided a storage medium including a stored program that executes the above-described method when running.
According to another aspect of the embodiments of the present application, there is also provided an electronic device including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor executing the method described above by the computer program.
In the embodiment of the application, through the capability of the first platform to output (such as through the provided first interface, second interface and the like) the external intelligence, for the second platform, the second platform does not need to pay attention to complex logics such as attribute analysis, recommendation, exchange and the like of products, and can be directly realized by calling the first platform, and the second platform can provide corresponding exchange ways for users as required, such as establishing APP application clients, HTTP webpage clients, public numbers of instant messaging applications and the like.
In the embodiment of the application, the account information of the first account is acquired in the first database of the first platform, the target combination scheme is searched from the first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme for recommendation on the second platform, and when the first account enters the recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface without providing services in the forms of telephone, interview form, web page searching and the like, so that the technical problem of lower service providing efficiency in the related technology can be solved, and the technical effect of improving service efficiency is further achieved.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings:
FIG. 1 is a schematic diagram of a hardware environment of a recommendation method for product portfolios in accordance with an embodiment of the present application;
FIG. 2 is a flow chart of a recommendation method for an alternative product portfolio in accordance with an embodiment of the present application;
FIG. 3 is a flow chart of a recommendation method of an alternative financial scheme according to an embodiment of the present application;
FIG. 4 is a schematic illustration of a recommendation device for an alternative product combination in accordance with an embodiment of the present application; the method comprises the steps of,
fig. 5 is a block diagram of a structure of a terminal according to an embodiment of the present application.
Detailed Description
In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
The financial products in the current market are complex in category and huge in quantity, and are not difficult for professional investors to select investment targets, and if each platform online APP establishes own system, the operation is complex and the cost is high.
Similarly, in the fields of games, social contact and the like, products are complicated in types and large in quantity, and for users, especially new users, it is difficult to find products such as game props and social props required by the users when the users start to use the products, and if each game or online APP of the social contact platform establishes own system, the operation is complex and the cost is high.
In order to overcome the problem, according to an aspect of the embodiments of the present application, a method embodiment of a product combination recommendation method is provided, where the method may be applied to fields of finance, games, social interaction, etc., and the system formed by the method is equivalent to a financial system, for example, applied to the finance field. The system analyzes the process of matching customer needs to financial assets by means of artificial intelligence. According to the characteristics of personal investors such as risk preference, financial condition, financial goal and the like, an intelligent algorithm and a portfolio theory model (generally, the portfolio theory proposed by Markov) are applied to provide intelligent investment management service for users, continuously track market dynamics and adjust asset allocation schemes. The core features of financial financing also embody standardization of service flows and discipline of investment decisions by means of objective investment portfolio models. The main advantages are that: intelligent, passive and low management cost. Similarly, when the method is applied to the fields of games and social contact, the method can recommend proper virtual products for the users according to the current game stage, game scene, social contact scene and the like of the users so as to meet the game or social contact requirements.
Alternatively, in the present embodiment, the recommendation method of the above product combination may be applied to the hardware environment shown in fig. 1. The environment (i.e., the first platform) mainly includes: the product service subsystem is used for receiving the management instruction of the manager on the second platform through the first interface and managing the target product according to the instruction of the management instruction. And the exchange service subsystem (also called as a transaction service subsystem) is provided with a second interface and is used for receiving a exchange request sent by an investor on the second platform through the second interface and exchanging a target product by using the virtual resource according to the indication of the exchange request.
The service subsystem manages the target product according to the instruction of the management instruction, and can be used for carrying out product configuration of financial products, carrying out customer analysis on customers, carrying out recommendation of the financial products and the like. The exchange service subsystem uses virtual resources to exchange target products (or financial products) according to the indication of exchange requests (or transaction requests), for example, obtains account information of a first account in a first database of a first platform, searches a target combination scheme matched with the first account from a first scheme set based on the account information of the first account, displays the target combination scheme recommended to the first account on a recommendation interface when the first account enters a recommendation interface of a second platform, and the first account can conduct transactions according to the recommendation, wherein the transactions comprise: purchase, add, store, sell, remove, etc.
The recommending method of the product combination according to the embodiment of the present application may be performed by the first platform, and fig. 2 is a flowchart of an optional recommending method of the product combination according to the embodiment of the present application, and as shown in fig. 2, the method may include the following steps:
step S11, acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account of an investor used in the second platform. The first account number can be an account number used by an investor, each second platform uses independent databases, the databases can be physically isolated, the second platform can exist in the situations of APP application clients, HTTP webpage clients, public numbers of instant messaging applications and the like, and the first platform provides services for the second platform in the form of services.
Step S12, searching a target combination scheme from a first scheme set according to account information of a first account, wherein the combination scheme in the first scheme set is a combination scheme for recommendation on a second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account. The second account may be a manager or other investor account different from the first account, and the target combination may be one or more combinations, each combination being a combination of at least two products. The attribute information of the sub-account of the second account is matched with the account information of the first account, for example, the attribute information of the user, such as the aggressive type, the conservative type, etc., can be determined according to the account information of the user, and each sub-account can also correspond to the attribute information of the aggressive type, the conservative type, etc., so that the matched combination can be recommended to the user, such as the aggressive type product combination is recommended to the aggressive type user.
Step S13, displaying a target combination scheme recommended to the first account on a recommendation interface under the condition that the first account enters the recommendation interface of the second platform.
The products can be different according to different application fields, such as financial products of stocks, funds, bonds and the like in the financial field, game characters, game props and the like in the game field, and social products of social props and the like in the social field; the virtual resources are also different according to the application fields, such as currency in the financial field, gold coins, points and the like in the game field, virtual currency in the social field and the like; related tasks may be performed in accordance with a user-selected portfolio scheme, i.e., tasks that trade virtual resources for products, such as purchasing financial products using currency, social props using virtual currency, etc. For the sake of description unification, the following unification is described by taking application to the financial field as an example, and similar to the application of the solution of the present application in other fields, the description is omitted.
The capability of processing products is output to the outside (such as through a provided first interface, a provided second interface and the like) through the first platform, and for the second platform, the second platform can be directly realized by calling the first platform without paying attention to complex logics such as attribute analysis, recommendation, exchange and the like of target products, and the second platform can provide corresponding exchange paths for users according to the needs, for example, the second platform exists in the form of establishing public numbers of APP application clients, HTTP webpage clients, instant messaging applications and the like, and can provide required product services for account numbers in the second platform by calling the first platform.
Through the steps, the account information of the first account is obtained from the first database of the first platform, the target combination scheme is searched from the first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme for recommendation on the second platform, and when the first account enters the recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface without providing services in the forms of telephone, interview form, web page searching and the like, so that the technical problem of low service providing efficiency in the related art can be solved, and the technical effect of improving service efficiency is further achieved.
In addition, in the financial investment field, in order to obtain a good yield of financial resources, it is necessary to judge the rising and falling of financial products such as stocks so as to buy and sell the financial products according to the judgment. At present, the judgment of the rise and fall of the financial product is mainly that a user judges the rise and fall in the future by means of past financial experience after viewing the information of the financial product.
The financial experience of the user is limited, so that the accuracy of judging the rising and falling of the financial products by the user is low, and the user needs to spend a great deal of time to check one by one due to the large quantity of the financial products and the large information quantity of the financial products.
When the scheme of the application is applied to the financial field, customers (i.e. investors) can establish sub-accounts according to the investment purposes and the like, corresponding combination products can be automatically generated in a financial financing system (each sub-account designed in the system can correspond to one combination product, i.e. financing scheme), the current holding bin is the configuration detail when buying each time, and other investors can be shown to carry out follow-up investment. The following further details the technical scheme of the present application in connection with the steps shown in fig. 2.
In the technical scheme provided in step S11, account information of a first account is obtained in a first database of a first platform, where the first database is a database associated with a second platform in the first platform.
Optionally, before acquiring the account information of the first account in the first database of the first platform, the manager may configure the second platform as follows: receiving a configuration request of the second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating the target financial scheme with the sub-account of the second account; responding to the configuration request, and creating a sub-account belonging to the second account; and associating the target financial scheme (namely the target combination scheme) configured by the configuration request with the sub-account of the second account.
Alternatively, for the second account, there may be a plurality of sub-accounts, each of which may correspond to at least one financial configuration scheme.
In the above embodiment, associating the target financial scheme configured by the configuration request with the sub-account of the second account includes one of: selecting a target financial scheme from the first candidate financial schemes (namely the first candidate combination schemes) according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the first candidate financial scheme is a financial scheme provided by the first platform to the second account; selecting a target financial scheme from the second candidate financial schemes (namely the second candidate combination schemes) according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the second candidate financial scheme is a financial scheme provided by the second platform to the second account; and acquiring a target financial scheme configured by the second account carried by the configuration request, and associating the target financial scheme with the sub-account of the second account.
In the technical solution provided in step S12, a target financial solution is found from a first financial solution set (which may be simply referred to as a first solution set) according to account information of the first account, where the financial solution in the first financial solution set is a financial solution for recommendation on the second platform.
The account information comprises two aspects of information, wherein one of the two aspects is information related to the behavior record of the first account in the first platform, such as shopping information, endowment information, income situation and the like; and secondly, evaluating information, such as risk evaluating level, of the first account in the second system, wherein the first stage is as follows: the conservation type is suitable for low-risk financial products; second stage: robust, i.e. suitable for lower risk level products; third stage: balanced, i.e. medium risk level products; fourth stage: product fifth level of the product of the accumulation type, i.e. higher risk level: aggressive, i.e. high risk level products.
For example, a part of financial schemes can be selected according to the risk rating, and the most suitable scheme is selected according to the information related to the behavior record, for example, investors often have sudden money-consuming behaviors, and the financial scheme with a proper amount of live-period financial products is selected.
In the technical scheme provided in step S13, under the condition that the first account enters the recommendation interface of the second platform, a target financial scheme is recommended to the first account at the recommendation interface.
Optionally, after recommending the target financial scheme to the first account at the recommendation interface, if the investor is satisfied, a subscription is initiated: receiving a financial request (namely a task request) of a first account; the financial products may be purchased from the second platform, or from other platforms, such as financial products of the agent fund system, according to the total amount of purchases indicated by the financial request (i.e., total amount of resources, such as total amount of money purchased) and the proportion of purchases (i.e., the trade proportion) for each of the plurality of financial products in the second platform indicated by the target financial scheme. For example, if the purchase proportion of a financial product a, a financial product B, and a financial product C is 20%, 30%, and 50%, respectively, and the total purchase amount of the user is 100 yuan, the purchase amounts of the financial product a, the financial product B, and the financial product C are 20 yuan, 30 yuan, and 50 yuan, respectively.
Optionally, after purchasing the financial product from the second platform according to the purchase total indicated by the financial request and the purchase proportion of each of the plurality of financial products in the second platform indicated by the target financial scheme, the investor may query the financial neighborhood according to the demand: receiving a query request of a first account; searching a first financial benefit (namely a first resource increment) and a second financial benefit (namely a second resource increment) of the target financial scheme, wherein the first financial benefit comprises the financial benefit of each financial product in the target financial scheme in a time period of a purchase time of a first account, namely the benefit condition of the financial products in the period from the purchase date, and the second financial benefit comprises the financial benefit of each financial product in the target financial scheme in the time period of all accounts on a second platform, namely the benefit condition of the financial products in a complete period; and responding to the query request, and returning the purchase proportion of each financial product in the target financial scheme, the first financial benefit of the target financial scheme and the second financial benefit of the target financial scheme to the first account.
Optionally, after purchasing the financial product from the second platform according to the purchase total indicated by the financial request and the purchase proportion of each of the plurality of financial products in the second platform indicated by the target financial scheme, the user may also perform adjustment (i.e. adjustment) as needed: receiving a bin adjustment instruction (i.e. an adjustment instruction) of the second account team on the target financial scheme; increasing the holding amount of a first financial product indicated by the warehouse regulating instruction in the plurality of financial products from the first holding amount to a second holding amount indicated by the warehouse regulating instruction, and/or reducing the holding amount of a second financial product indicated by the warehouse regulating instruction in the plurality of financial products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount, and the third holding amount is higher than the fourth holding amount.
Optionally, after receiving a bin adjustment instruction of the second account team on the target financial scheme, for a certain financial scheme, the bin adjustment instruction may be adjusted as required, where a first bin adjustment prompt (i.e. a first adjustment prompt) of the target financial scheme is sent to the first account, where the first bin adjustment prompt is used to prompt that the holding amount of the first financial product is increased from the first holding amount to the second holding amount; and/or sending a second adjustment prompt (i.e. a second adjustment prompt) of the target financial proposal to the first account, wherein the second adjustment prompt is used for prompting that the holding amount of the second financial product is reduced from the third holding amount to the fourth holding amount.
The intelligent client can adopt a plurality of platform accounts to manage, each sub-account corresponds to a combination product at the moment, so data can be generated when the sub-account is newly built, and the combination is different from a combination constructed by the platform, the combination does not need to maintain combination configuration details of each period, and other investors can carry out warehouse adjustment and buying by automatically matching with the current warehouse holding of the intelligent client when the investors keep on throwing. As an alternative embodiment, details are provided below in connection with fig. 3.
User U1 creates different types of sub-accounts (e.g., different risk level types, different fund uses, different asset types, etc.) through the APP client, selects whether to show to other users; after selecting and displaying other users, other APP users Ux (such as Ux1, ux2, uxx and the like) can see the holding combination of the users, and can conduct ordering transaction and bin adjustment on the intelligent projection platform through the holding of the U1. The sub-account holding bin created by the user U1 is visible to users of different grades and can do transaction operation, and the platform does not do excessive risk grade limitation aiming at the sub-account holding bin. Other APP users automatically match the sub-account user U1 in a mode that after other APP users inquire that the U1 is held in a bin combination, a purchasing scheme is generated for user verification according to mirror image equal ratio of the U1 to provide a transaction ordering entrance, when the U1 is held in the bin to change, other follow-up users can be prompted whether to carry out bin adjustment operation, if so, bin adjustment operation is carried out according to the mirror image equal ratio of the U1 held in the bin combination data after bin adjustment is carried out.
The intelligent throwing clients can perform self-built combination, such as financial card-holding mechanism and platform cooperate, the card-holding mechanism can establish combination according to the identity of investors, the combination corresponds to a sub-account under the name of the investors, the details of the combination can be configured regularly, and the system automatically prompts the buying clients to adjust the warehouse according to the details; the card holding mechanism client creates the combination information under the sub-account by using the APP as the investor role and shows that other users (i.e. investors) of the platform can select the trade order through the current combination, and when the policy model and the combination detail change, the users buying the current combination are matched to prompt the users to carry out the warehouse adjustment operation.
It should be noted that, for simplicity of description, the foregoing method embodiments are all described as a series of acts, but it should be understood by those skilled in the art that the present application is not limited by the order of acts described, as some steps may be performed in other orders or concurrently in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required for the present application.
From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method according to the embodiments of the present application.
According to another aspect of the embodiment of the application, a recommending device for product combination is also provided, wherein the recommending device is used for implementing the recommending method for the product combination. FIG. 4 is a schematic diagram of an alternative product combination recommendation device, as shown in FIG. 4, according to an embodiment of the present application, which may include:
an obtaining unit 11, configured to obtain account information of a first account in a first database of a first platform, where the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform;
The searching unit 12 is configured to search a target combination scheme from a first scheme set according to account information of a first account, where the combination scheme in the first scheme set is a combination scheme for recommendation on a second platform, and the target combination scheme is a combination scheme under a sub-account of the second platform;
and the recommending unit 13 is used for displaying a target combination scheme recommended to the first account on the recommending interface when the first account enters the recommending interface of the second platform.
It should be noted that, the acquiring unit 11 in this embodiment may be used to perform step S11 in the embodiment of the present application, the searching unit 12 in this embodiment may be used to perform step S12 in the embodiment of the present application, and the recommending unit 13 in this embodiment may be used to perform step S13 in the embodiment of the present application.
It should be noted that the above modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to what is disclosed in the above embodiments. It should be noted that the above modules may be implemented in software or hardware as a part of the apparatus in the hardware environment shown in fig. 1.
The capability of the first platform to output the external output (such as through the provided first interface, second interface and the like) intelligently is realized, and for the second platform, complex logics such as attribute analysis, recommendation, exchange and the like of products do not need to be paid attention to any more, the second platform can be directly realized by calling the first platform, and the second platform can provide corresponding exchange ways for users according to the needs, such as establishing an APP application client, an HTTP webpage client, public numbers of instant messaging applications and the like.
Through the module, the account information of the first account is acquired from the first database of the first platform, the target combination scheme is searched from the first scheme set according to the account information of the first account, the combination scheme in the first scheme set is a combination scheme for recommendation on the second platform, and when the first account enters the recommendation interface of the second platform, the target combination scheme recommended to the first account is displayed on the recommendation interface without providing financial services in forms such as telephone, interview form and the like, so that the technical problem of lower service providing efficiency in the related technology can be solved, and the technical effect of improving service efficiency is further achieved.
Optionally, the device of the present application may further include a configuration unit, configured to, before acquiring the account information of the first account in the first database of the first platform: receiving a configuration request of the second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating the target combination scheme with the sub-account of the second account; responding to the configuration request, and creating a sub-account belonging to the second account; and associating the target combination scheme configured by the configuration request with the sub-account of the second account.
Optionally, the configuration unit of the present application may be further configured to perform at least one of the following when associating the target combination scheme configured by the configuration request with the sub-account of the second account: selecting a target combination scheme from the first candidate combination schemes according to the configuration request, and associating the target combination scheme with the sub-account of the second account, wherein the first candidate combination scheme is a combination scheme provided by the first platform to the second account; selecting a target combination scheme from the second candidate combination schemes according to the configuration request, and associating the target combination scheme with a sub-account of the second account, wherein the second candidate combination scheme is a combination scheme provided by the second platform to the second account; and acquiring a target combination scheme of the second account configuration carried by the configuration request, and associating the target combination scheme with the sub-account of the second account.
Optionally, the device of the present application may further include a transaction unit, configured to, after displaying the target combination recommended to the first account on the recommendation interface: receiving a task request of a first account; and exchanging the products from the second platform according to the total amount of resources indicated by the task request and the exchange proportion of each product in the plurality of products in the second platform indicated by the target combination scheme.
Optionally, the device of the present application may further include a query unit, configured to receive a query request of the first account number after exchanging the product from the second platform according to the total amount of resources indicated by the task request and the exchange ratio of each of the plurality of products in the second platform indicated by the target combination scheme; searching a first resource increment and a second resource increment of the target combination scheme, wherein the first resource increment comprises the resource increment of each product in the target combination scheme in a time period of time exchange for the first account, and the second resource increment comprises the resource increment of each product in the target combination scheme in the time period of all accounts on the second platform; and responding to the query request, and returning the exchange proportion of each product in the target combination scheme, the first resource increment of the target combination scheme and the second resource increment of the target combination scheme to the first account.
Optionally, the apparatus of the present application may further include an adjusting unit for, after exchanging the product from the second platform for the exchange ratio of each of the plurality of products in the second platform according to the total amount of resources indicated by the task request and the target combination scheme: receiving an adjustment instruction of a second account team on the target combination scheme; increasing the holding amount of the first product indicated by the adjustment instruction in the plurality of products from the first holding amount to a second holding amount indicated by the adjustment instruction, and/or decreasing the holding amount of the second product indicated by the adjustment instruction in the plurality of products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount and the third holding amount is higher than the fourth holding amount.
Optionally, the device of the present application may further include a prompting unit, configured to, after receiving an adjustment instruction of the second account team on the target combination scheme: sending a first adjustment prompt of the target combination scheme to the first account, wherein the first adjustment prompt is used for prompting to increase the holding amount of the first product from the first holding amount to the second holding amount; and/or sending a second adjustment prompt of the target combination scheme to the first account, wherein the second adjustment prompt is used for prompting to reduce the holding amount of the second product from the third holding amount to the fourth holding amount.
It should be noted that the above modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to what is disclosed in the above embodiments. It should be noted that the above modules may be implemented in software or in hardware as part of the apparatus shown in fig. 1, where the hardware environment includes a network environment.
According to another aspect of the embodiment of the application, a server or a terminal for implementing the recommendation method of the product combination is also provided.
Fig. 5 is a block diagram of a terminal according to an embodiment of the present application, and as shown in fig. 5, the terminal may include: one or more (only one is shown in fig. 5) processors 21, memory 22, and transmission means 23, as shown in fig. 5, the terminal may further comprise an input-output device 24.
The memory 22 may be used to store software programs and modules, such as program instructions/modules corresponding to the method and apparatus for recommending a product combination in the embodiment of the present application, and the processor 21 executes the software programs and modules stored in the memory 22 to perform various functional applications and data processing, that is, implement the method for recommending a product combination. Memory 22 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, the memory 22 may further comprise memory remotely located with respect to the processor 21, which may be connected to the terminal 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 above-mentioned transmission means 23 are used for receiving or transmitting data via a network, and can also be used for data transmission between the processor and the memory. Specific examples of the network described above may include wired networks and wireless networks. In one example, the transmission means 23 comprises a network adapter (Network Interface Controller, NIC) which can be connected to other network devices and routers via network lines to communicate with the internet or a local area network. In one example, the transmission device 23 is a Radio Frequency (RF) module, which is used to communicate with the internet wirelessly.
Wherein in particular the memory 22 is used for storing application programs.
The processor 21 may call the application program stored in the memory 22 via the transmission means 23 to perform the following steps:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform;
searching a target financial scheme from a first financial scheme set according to account information of a first account, wherein the financial scheme in the first financial scheme set is a financial scheme for recommending on a second platform, and the target financial scheme is a financial scheme under a sub-account of a second account of the second platform;
and under the condition that the first account enters a recommendation interface of the second platform, recommending a target financial scheme to the first account on the recommendation interface.
The processor 21 is further configured to perform the steps of:
selecting a target financial scheme from the first candidate financial schemes according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the first candidate financial scheme is a financial scheme provided by the first platform to the second account;
Selecting a target financial scheme from the second candidate financial schemes according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the second candidate financial scheme is a financial scheme provided by the second platform to the second account;
and acquiring a target financial management scheme configured by the second account carried by the configuration request, and associating the target financial management scheme with the sub-account of the second account.
By adopting the embodiment of the application, through the capability of the first platform to output (such as through the provided first interface, second interface and the like) the intelligent accounting, the second platform can be directly realized by calling the first platform without paying attention to complex logics such as attribute analysis, recommendation, purchase and the like of financial products, and the second platform can provide corresponding purchasing paths for users according to the needs, such as establishing APP application clients, HTTP webpage clients, public numbers of instant messaging applications and the like.
The account information of the first account is obtained from a first database of the first platform, the target financial scheme is searched from a first financial scheme set according to the account information of the first account, the financial scheme in the first financial scheme set is a financial scheme for recommending on the second platform, and the target financial scheme is recommended to the first account at a recommendation interface without providing financial services in forms such as telephone, interview form and the like under the condition that the first account enters a recommendation interface of the second platform, so that the technical problem of lower service providing efficiency in the related technology can be solved, and further the technical effect of improving service efficiency is achieved.
Alternatively, specific examples in this embodiment may refer to examples described in the foregoing embodiments, and this embodiment is not described herein.
It will be appreciated by those skilled in the art that the structure shown in fig. 5 is only illustrative, and the terminal may be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a palmtop computer, a mobile internet device (Mobile Internet Devices, MID), a PAD, etc. Fig. 5 is not limited to the structure of the electronic device. For example, the terminal may also include more or fewer components (e.g., network interfaces, display devices, etc.) than shown in fig. 5, or have a different configuration than shown in fig. 5.
Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be implemented by a program for instructing a terminal device to execute in association with hardware, the program may be stored in a computer readable storage medium, and the storage medium may include: flash disk, read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), magnetic or optical disk, and the like.
The embodiment of the application also provides a storage medium. Alternatively, in the present embodiment, the above-described storage medium may be used for executing the program code of the recommended method of product combination.
Alternatively, in this embodiment, the storage medium may be located on at least one network device of the plurality of network devices in the network shown in the above embodiment.
Alternatively, in the present embodiment, the storage medium is configured to store program code for performing the steps of:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform;
searching a target financial scheme from a first financial scheme set according to account information of a first account, wherein the financial scheme in the first financial scheme set is a financial scheme for recommending on a second platform, and the target financial scheme is a financial scheme under a sub-account of a second account of the second platform;
and under the condition that the first account enters a recommendation interface of the second platform, recommending a target financial scheme to the first account on the recommendation interface.
Optionally, the storage medium is further arranged to store program code for performing the steps of:
selecting a target financial scheme from the first candidate financial schemes according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the first candidate financial scheme is a financial scheme provided by the first platform to the second account;
Selecting a target financial scheme from the second candidate financial schemes according to the configuration request, and associating the target financial scheme with the sub-account of the second account, wherein the second candidate financial scheme is a financial scheme provided by the second platform to the second account;
and acquiring a target financial management scheme configured by the second account carried by the configuration request, and associating the target financial management scheme with the sub-account of the second account.
Alternatively, specific examples in this embodiment may refer to examples described in the foregoing embodiments, and this embodiment is not described herein.
Alternatively, in the present embodiment, the storage medium may include, but is not limited to: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The foregoing embodiment numbers of the present application are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.
The integrated units in the above embodiments may be stored in the above-described computer-readable storage medium if implemented in the form of software functional units and sold or used as separate products. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, comprising several instructions for causing one or more computer devices (which may be personal computers, servers or network devices, etc.) to perform all or part of the steps of the method described in the embodiments of the present application.
In the foregoing embodiments of the present application, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.
In several embodiments provided by the present application, it should be understood that the disclosed client may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, such as the division of the units, is merely a logical function division, and may be implemented in another manner, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application, which are intended to be comprehended within the scope of the present application.

Claims (11)

1. A method of recommending a combination of products, comprising:
acquiring account information of a first account in a first database of a first platform, wherein the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform;
searching a target combination scheme from a first scheme set according to the account information of the first account, wherein the combination scheme in the first scheme set is a combination scheme for recommendation on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account;
And displaying the target combination scheme recommended to the first account on a recommendation interface under the condition that the first account enters the recommendation interface of the second platform.
2. The method of claim 1, wherein prior to obtaining account information for the first account in the first database of the first platform, the method further comprises:
receiving a configuration request of the second account, wherein the configuration request is used for requesting to create a sub-account belonging to the second account, and associating a target combination scheme with the sub-account of the second account;
responding to the configuration request, and creating a sub-account belonging to the second account;
and associating the target combination scheme configured by the configuration request with the sub-account of the second account.
3. The method of claim 2, wherein associating the target combination scheme configured by the configuration request with a sub-account of the second account comprises one of:
selecting the target combination scheme from a first candidate combination scheme according to the configuration request, and associating the target combination scheme with a sub-account of the second account, wherein the first candidate combination scheme is a combination scheme provided by the first platform to the second account;
Selecting the target combination scheme from a second candidate combination scheme according to the configuration request, and associating the target combination scheme with a sub-account of the second account, wherein the second candidate combination scheme is a combination scheme provided by the second platform to the second account;
and acquiring the target combination scheme of the second account configuration carried by the configuration request, and associating the target combination scheme with the sub-account of the second account.
4. The method of claim 1, wherein after the recommendation interface displays the target combination scheme recommended to the first account, the method further comprises:
receiving a task request of the first account;
and exchanging products from the second platform according to the total amount of resources indicated by the task request and the exchange proportion of each product in the plurality of products in the second platform indicated by the target combination scheme.
5. The method of claim 4, wherein after exchanging products from the second platform for each of a plurality of products in the second platform in accordance with the total amount of resources indicated by the task request and the exchange ratio indicated by the target combination scheme, the method further comprises:
Receiving a query request of the first account;
searching a first resource increment amount and a second resource increment amount of the target combination scheme, wherein the first resource increment amount comprises the resource increment amount of each product in the target combination scheme in a time period of time exchange for the first account, and the second resource increment amount comprises the resource increment amount of each product in the target combination scheme in the time period of all accounts on the second platform;
and responding to the query request, and returning the exchange proportion of each product in the target combination scheme, the first resource increment of the target combination scheme and the second resource increment of the target combination scheme to the first account.
6. The method of claim 4, wherein after exchanging products from the second platform for each of a plurality of products in the second platform in accordance with the total amount of resources indicated by the task request and the exchange ratio indicated by the target combination scheme, the method further comprises:
receiving an adjustment instruction of a second account team on the target combination scheme;
increasing the holding amount of a first product indicated by the adjustment instruction in the plurality of products from a first holding amount to a second holding amount indicated by the adjustment instruction, and/or decreasing the holding amount of a second product indicated by the adjustment instruction in the plurality of products from a third holding amount to a fourth holding amount, wherein the second holding amount is higher than the first holding amount, and the third holding amount is higher than the fourth holding amount.
7. The method of claim 6, wherein after receiving the adjustment instruction of the target combination scheme by the second account team, the method further comprises:
sending a first adjustment prompt of the target combination scheme to the first account, wherein the first adjustment prompt is used for prompting to increase the holding amount of the first product from a first holding amount to a second holding amount; and/or the number of the groups of groups,
and sending a second adjustment prompt of the target combination scheme to the first account, wherein the second adjustment prompt is used for prompting that the holding amount of the second product is reduced from a third holding amount to a fourth holding amount.
8. A recommendation device for a product combination, comprising:
the system comprises an acquisition unit, a storage unit and a storage unit, wherein the acquisition unit is used for acquiring account information of a first account in a first database of a first platform, the first database is a database associated with a second platform in the first platform, and the first account is an account used in the second platform;
the searching unit is used for searching a target combination scheme from a first scheme set according to the account information of the first account, wherein the combination scheme in the first scheme set is a combination scheme for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account;
And the recommending unit is used for displaying the target combination scheme recommended to the first account on the recommending interface under the condition that the first account enters the recommending interface of the second platform.
9. A recommendation system for a product combination, comprising:
the system comprises a first platform, a second platform and a target combination scheme, wherein the first platform is used for acquiring account information of a first account from a first database, and searching a target combination scheme from a first scheme set according to the account information of the first account, the first database is a database associated with a second platform in the first platform, the combination scheme in the first scheme set is a combination scheme used for recommending on the second platform, the target combination scheme is a combination scheme under a sub-account of a second account of the second platform, and attribute information of the sub-account of the second account is matched with the account information of the first account;
and the second platform is used for displaying the target combination scheme recommended to the first account on the recommendation interface under the condition that the first account enters the recommendation interface of the second platform, wherein the first account is an account used in the second platform.
10. A storage medium comprising a stored program, wherein the program when run performs the method of any one of the preceding claims 1 to 7.
11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor performs the method of any of the preceding claims 1 to 7 by means of the computer program.
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