CN114092261A - Financial product information pushing method and device - Google Patents
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Abstract
The invention discloses a financial product information pushing method and device, wherein the method comprises the following steps: determining a user balance rule according to historical balance information of the user; according to the user collection rule and the historical property sum information of the user, determining the predicted property sum of the user at a specified future time point; determining a financial product recommended to a user according to the difference value between the expected total amount of the property and the predicted total amount of the property of the user at a specified future time point and historical operation behavior data of the user on the financial product; and pushing the related information of the financial product to the user. The invention can improve the pushing precision of the financial product information and improve the user experience.
Description
Technical Field
The invention relates to the technical field of big data, in particular to a financial product information pushing method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when a user purchases a financial product by using a financial APP (Application), the APP does not recommend a proper financial product for each user, and recommends a hot financial product for each user, so that some users are blind in purchasing and cannot purchase a financial product suitable for the users, the purchasing intention is reduced, and the user experience is poor; for banks, the recommendation accuracy of financial products is low, resource waste of banks is caused, and the cost is too high.
Disclosure of Invention
The embodiment of the invention provides a financial product information pushing method, which is used for improving the pushing precision of financial product information and improving user experience, and comprises the following steps:
determining a user balance rule according to historical balance information of the user;
determining the predicted property sum of the user at a specified future time point according to the user collection rule and the historical property sum information of the user;
determining a financial product recommended to a user according to the difference value between the expected total amount of the property and the predicted total amount of the property of the user at a specified future time point and historical operation behavior data of the user on the financial product;
and pushing the related information of the financial product to the user.
The embodiment of the invention also provides a financial product information pushing device, which is used for improving the pushing precision of the financial product information and improving the user experience, and comprises the following components:
the system comprises a receiving and paying rule determining module, a receiving and paying rule determining module and a paying rule determining module, wherein the receiving and paying rule determining module is used for determining a receiving and paying rule of a user according to historical receiving and paying information of the user;
the system comprises a user collection module, a property total forecasting module and a property total forecasting module, wherein the user collection module is used for collecting user collection information and historical property total information of a user;
the financial product determining module is used for determining a financial product recommended to the user according to the difference value between the expected property sum and the predicted property sum of the user at the appointed future time point and the historical operation behavior data of the user on the financial product;
and the financial product pushing module is used for pushing the related information of the financial product to the user.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the financial product information pushing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for pushing the financial product information is realized.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and the computer program realizes the financial product information pushing method when being executed by a processor.
In the embodiment of the invention, the user income and expenditure rules are determined according to the historical income and expenditure information of the user; determining the predicted property sum of the user at a specified future time point according to the user collection rule and the historical property sum information of the user; determining a financial product recommended to a user according to the difference value between the expected total amount of the property and the predicted total amount of the property of the user at a specified future time point and historical operation behavior data of the user on the financial product; compared with the technical scheme that every user recommends a popular financial product in the prior art, the method and the system for pushing the related information of the financial product to the user can improve the pushing accuracy of the information of the financial product, avoid wasting bank resources, reduce cost and improve user experience.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of a financial product information pushing method in an embodiment of the invention;
FIG. 2 is a flowchart of an embodiment of a method for pushing financial product information according to the present invention;
FIG. 3 is a flowchart of an embodiment of a method for pushing financial product information according to the present invention;
FIG. 4 is a schematic diagram of a financial product information pushing device in an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
In order to improve the pushing accuracy of the financial product information and improve the user experience, the embodiment of the invention provides a financial product information pushing method, as shown in fig. 1, the financial product information pushing method in the embodiment of the invention may include the following steps:
102, determining the predicted property sum of the user at a specified future time point according to the user collection and payment rule and the historical property sum information of the user;
103, determining a financial product recommended to a user according to a difference value between the expected property sum and the predicted property sum of the user at a specified future time point and historical operation behavior data of the user on the financial product;
and 104, pushing the related information of the financial product to the user.
It can be known from the flow shown in fig. 1 that the method for pushing the information of the financial product according to the embodiment of the present invention is different from the technical scheme in the prior art that each user recommends a popular financial product, and the method determines the financial product recommended to the user according to the difference between the expected total amount of property and the predicted total amount of property of the user at the specified future time point and the historical operation behavior data of the user on the financial product, and further pushes the related information of the financial product to the user, so that the pushing accuracy of the information of the financial product can be improved, the waste of bank resources can be avoided, the cost can be reduced, and the user experience can be improved.
In one embodiment, in the step 101, the annual revenue and expenditure rules of the user may be determined according to the income and expenditure information of the user in the past five years. For example, in the last five years, the income of each year is respectively 11 ten thousand yuan, 12 ten thousand yuan, 13 ten thousand yuan, 14 ten thousand yuan and 15 ten thousand yuan, the expenditure of each year is respectively 1 ten thousand yuan, 2 ten thousand yuan, 3 ten thousand yuan, 4 ten thousand yuan and 5 ten thousand yuan, and the income and expenditure rules of each year of the user are the remaining 10 ten thousand yuan.
In one embodiment, in the step 102, it may be determined that the predicted property sum of the user after the specified five years is 100 ten thousand yuan according to the balance rule of the user remaining 10 ten thousand yuan per year and the historical property sum information of the user of 50 ten thousand yuan.
In one embodiment, in the step 103, the user may expect that the total amount of the property reaches 150 ten thousand yuan after five years, calculate a financial product which can enable the property of the user to reach 150 ten thousand yuan after five years according to a difference value of 150 ten thousand yuan between the expected total amount of the property of the user after the specified five years and 100 ten thousand yuan of the predicted total amount of the property and a historical purchase record of the financial product by the user, and recommend the financial product to the user. For example, the user purchased A, B, C three financial products, and based on the difference of 50 ten thousand yuan between the expected total amount of the property 150 ten thousand yuan after five years and the predicted total amount of the property 100 ten thousand yuan, and respectively calculates the profits of A, B, C three financial products to be 40 ten thousand yuan, 45 ten thousand yuan and 50 ten thousand yuan after five years, and recommends the C financial product to the user.
Fig. 2 is a flowchart of an embodiment of a financial product information pushing method according to an embodiment of the present invention. As shown in fig. 2, step 103 of the financial product information pushing method in the embodiment of the present invention may include:
step 201, determining a financial product preferred by a user according to historical operation behavior data of the user on the financial product;
In one embodiment, in step 201, the financial products preferred by the user are determined to be the D financial product and the E financial product according to the fact that the user frequently purchases D, E two financial products.
In one embodiment, the financial products preferred by the user are determined according to the historical click times and/or the historical browsing duration of the financial products.
In one embodiment, determining a financial product preferred by a user based on historical operational behavior data of the user on the financial product comprises: determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products and the personal information of the user; wherein, the personal information of the user comprises: one or more of occupational information, residence information, health record information, family member status information, or risk assessment information for the user.
In one embodiment, in the step 202, a financial product with a five-year rate of being closest to 50 ten thousand yuan may be calculated and recommended to the user according to a difference value of 50 ten thousand yuan between the total amount of the expected property of the user after five years and 100 ten thousand yuan of the total amount of the predicted property, and the preferred D financial product and the preferred E financial product of the user.
Fig. 3 is a flowchart of an embodiment of a financial product information pushing method according to an embodiment of the present invention. As shown in fig. 2, step 202 of the financial product information pushing method in the embodiment of the present invention may include:
and step 302, when the expected property sum is not more than the predicted property sum, determining the financial product preferred by the user as the financial product recommended to the user.
In one embodiment, in step 301, when the total expected property amount is 150 ten thousand yuan greater than the total predicted property amount of 100 ten thousand yuan, a financial product which can reach or exceed a difference of 50 ten thousand yuan after five years according to the historical benefit rate is selected from A, B, C financial products preferred by the user, and the selected financial product is determined as the financial product recommended to the user.
In one embodiment, in step 302 above, the user's preferred A, B, C three financial products may be determined as the recommended financial products to the user when the expected property total is 80 ten thousand dollars and not greater than the predicted property total is 100 ten thousand dollars.
In one embodiment, in the step 104, the information related to the financial product may be pushed to the user through the financial APP. For example, the related information of the financial product is pushed to the user through the mobile banking APP.
The embodiment of the invention also provides a financial product information pushing device, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the financial product information pushing method, the implementation of the device can refer to the implementation of the financial product information pushing method, and repeated parts are not described again.
Fig. 4 is a structural diagram of a financial product information pushing device in an embodiment of the present invention. As shown in fig. 4, the financial product information pushing device in this example may include:
a receive and expenditure rule determining module 401, configured to determine a receive and expenditure rule of the user according to historical receive and expenditure information of the user;
a forecast property total module 402 for determining a forecast property total of the user at a specified future time point according to the user's collection and payment rules and the user's historical property total information;
a financial product determining module 403, configured to determine a financial product recommended to the user according to a difference between the expected total amount of the property of the user at the specified future time point and the predicted total amount of the property, and historical operation behavior data of the user on the financial product;
a pushing financing product module 404 for pushing the relevant information of the financing product to the user.
In one embodiment, the determine financing product module 403 may be specifically configured to:
determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products;
and determining the financial product recommended to the user according to the difference value between the expected property sum and the predicted property sum of the user at the appointed future time point and the user-preferred financial product.
In one embodiment, the determine financing product module 403 may be specifically configured to:
and determining the financial products preferred by the user according to the historical click times and/or the historical browsing duration of the financial products by the user.
In one embodiment, the determine financing product module 403 may be specifically configured to:
determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products and the personal information of the user; wherein, the personal information of the user comprises:
one or more of occupational information, residence information, health record information, family member status information, or risk assessment information for the user.
In one embodiment, the determine financing product module 403 may be specifically configured to:
and when the total amount of the expected property is larger than the predicted total amount of the property, selecting the financial products which can reach or exceed the difference value at the appointed future time point according to the historical benefit rate from the financial products preferred by the user, and determining the financial products recommended to the user.
In one embodiment, the determine financing product module 403 may be specifically configured to:
and when the expected property sum is not more than the predicted property sum, determining the financial products preferred by the user as the financial products recommended to the user.
Based on the above inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the above financial product information pushing method.
In particular, the computer device may be a computer terminal, a server or a similar computing device.
The embodiment of the invention also provides a computer readable storage medium, wherein a computer program is stored in the computer readable storage medium, and when the computer program is executed by a processor, the method for pushing the financial product information is realized.
In particular, computer-readable storage media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable storage medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
The embodiment of the invention also provides a computer program product, which comprises a computer program, and when the computer program is executed by a processor, the financial product information pushing method is realized.
In the embodiment of the invention, the user income and expenditure rules are determined according to the historical income and expenditure information of the user; according to the user collection rule and the historical property sum information of the user, determining the predicted property sum of the user at a specified future time point; determining a financial product recommended to a user according to the difference value between the expected total amount of the property and the predicted total amount of the property of the user at a specified future time point and historical operation behavior data of the user on the financial product; compared with the technical scheme that every user recommends a popular financial product in the prior art, the method and the system for pushing the related information of the financial product to the user can improve the pushing accuracy of the information of the financial product, avoid wasting bank resources, reduce cost and improve user experience.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A financial product information pushing method is characterized by comprising the following steps:
determining a user balance rule according to historical balance information of the user;
determining the predicted property sum of the user at a specified future time point according to the user collection rule and the historical property sum information of the user;
determining a financial product recommended to a user according to a difference value between the expected property sum and the predicted property sum of the user at a specified future time point and historical operation behavior data of the user on the financial product;
and pushing the related information of the financial product to the user.
2. The method of claim 1, wherein determining the financial product recommended to the user based on the difference between the user's expected and predicted property totals at the specified future point in time and historical operating behavior data of the user on the financial product comprises:
determining financial products preferred by a user according to historical operation behavior data of the user on the financial products;
and determining the financial product recommended to the user according to the difference value between the expected property sum and the predicted property sum of the user at the appointed future time point and the user-preferred financial product.
3. The method of claim 2, wherein determining a financial product preferred by the user based on historical operational behavior data of the user on the financial product comprises:
and determining the financial products preferred by the user according to the historical click times and/or the historical browsing duration of the financial products by the user.
4. The method of claim 2, wherein determining a financial product preferred by the user based on historical operational behavior data of the user on the financial product comprises:
determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products and the personal information of the user; wherein, the personal information of the user comprises:
one or more of occupational information, residence information, health record information, family member status information, or risk assessment information for the user.
5. The method of claim 2, wherein determining the financial product recommended to the user based on the difference between the user's expected and predicted property totals at the specified future point in time and the user's preferred financial product comprises:
and when the expected property sum is larger than the predicted property sum, selecting the financial products which can reach or exceed the difference value at the appointed future time point according to the historical benefit rate from the financial products preferred by the user, and determining the financial products recommended to the user.
6. The method of claim 2, wherein determining the financial product recommended to the user based on the difference between the user's expected and predicted property totals at the specified future point in time and the user's preferred financial product comprises:
and when the expected property sum is not more than the predicted property sum, determining the financial products preferred by the user as the financial products recommended to the user.
7. The utility model provides a financial product information pusher which characterized in that includes:
the system comprises a receiving and paying rule determining module, a receiving and paying rule determining module and a paying rule determining module, wherein the receiving and paying rule determining module is used for determining a receiving and paying rule of a user according to historical receiving and paying information of the user;
the system comprises a predicted property total module, a property collection module and a property collection module, wherein the predicted property total module is used for determining the predicted property total of a user at a specified future time point according to a user collection rule and historical property total information of the user;
the financial product determining module is used for determining a financial product recommended to the user according to the difference value between the expected property sum and the predicted property sum of the user at the appointed future time point and the historical operation behavior data of the user on the financial product;
and the financial product pushing module is used for pushing the related information of the financial product to the user.
8. The apparatus of claim 7, wherein the determine financing product module is specifically configured to:
determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products;
and determining the financial product recommended to the user according to the difference value between the expected property sum and the predicted property sum of the user at the appointed future time point and the user-preferred financial product.
9. The apparatus of claim 8, wherein the determine financial products module is specifically configured to:
and determining the financial products preferred by the user according to the historical click times and/or the historical browsing duration of the financial products by the user.
10. The apparatus of claim 8, wherein the determine financing product module is specifically configured to:
determining the financial products preferred by the user according to the historical operation behavior data of the user on the financial products and the personal information of the user; wherein, the personal information of the user comprises:
one or more of occupational information, residence information, health record information, family member status information, or risk assessment information for the user.
11. The apparatus of claim 8, wherein the determine financial products module is specifically configured to:
and when the expected property sum is larger than the predicted property sum, selecting the financial products which can reach or exceed the difference value at the appointed future time point according to the historical benefit rate from the financial products preferred by the user, and determining the financial products recommended to the user.
12. The apparatus of claim 8, wherein the determine financing product module is specifically configured to:
and when the expected property sum is not more than the predicted property sum, determining the financial products preferred by the user as the financial products recommended to the user.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 6.
15. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 6.
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| CN202111407696.6A CN114092261A (en) | 2021-11-24 | 2021-11-24 | Financial product information pushing method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111407696.6A CN114092261A (en) | 2021-11-24 | 2021-11-24 | Financial product information pushing method and device |
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| CN108921703A (en) * | 2018-06-14 | 2018-11-30 | 阿里巴巴集团控股有限公司 | Financing recommended method, device and electronic equipment |
| CN109934721A (en) * | 2019-01-18 | 2019-06-25 | 深圳壹账通智能科技有限公司 | Finance product recommended method, device, equipment and storage medium |
| CN110598120A (en) * | 2019-10-16 | 2019-12-20 | 信雅达系统工程股份有限公司 | Behavior data based financing recommendation method, device and equipment |
| CN111506801A (en) * | 2015-09-07 | 2020-08-07 | 阿里巴巴集团控股有限公司 | Sequencing method and device for sub-applications in application App |
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2021
- 2021-11-24 CN CN202111407696.6A patent/CN114092261A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111506801A (en) * | 2015-09-07 | 2020-08-07 | 阿里巴巴集团控股有限公司 | Sequencing method and device for sub-applications in application App |
| CN108921703A (en) * | 2018-06-14 | 2018-11-30 | 阿里巴巴集团控股有限公司 | Financing recommended method, device and electronic equipment |
| CN109934721A (en) * | 2019-01-18 | 2019-06-25 | 深圳壹账通智能科技有限公司 | Finance product recommended method, device, equipment and storage medium |
| CN110598120A (en) * | 2019-10-16 | 2019-12-20 | 信雅达系统工程股份有限公司 | Behavior data based financing recommendation method, device and equipment |
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