CN114723568A - Recommendation method, device, server, medium and product for financial product - Google Patents
Recommendation method, device, server, medium and product for financial product Download PDFInfo
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Abstract
The application discloses a recommendation method, device, server, medium and product of financial products, which can be applied to the financial field or other fields. Firstly, receiving transfer application information sent by a client, wherein the transfer application information comprises: transfer-in account, transfer-out account and transfer amount; under the condition that the transfer amount contained in the transfer application information is larger than the preset threshold value, the probability that the transfer application is the investment application is high, and at the moment, the transfer application corresponding to the transfer application information needs to be obtained. If the transfer purpose is the investment purpose, the user is indicated as a potential user. Since the user has an own favorite investment product at present, it is necessary to provide the user with a target financial product having equity information higher than or equal to the first equity information of the product to be invested by the user. At the moment, the target financing product is a financing product suitable for the user, so that the aim of recommending the financing product suitable for the potential user is fulfilled.
Description
Technical Field
The application relates to the technical field of finance, in particular to a recommendation method, device, server, medium and product for financial products.
Background
At present, a user may have a demand for purchasing a financial product, and in the process of recommending the financial product for the user, the user preference can be determined based on the historical purchasing of the financial product by the user, so that the financial product suitable for the user is recommended for the user. Not all users have the needs of financial products.
If the financial products are pushed to all users, not only is network resources wasted, but also the users who do not need to purchase the financial products are troubled, so that the problem that potential customers with the willingness of purchasing the financial products are determined from a large number of users, and the financial products are recommended to the potential customers is urgently needed to be solved by the technical personnel in the field.
Disclosure of Invention
In view of the above, the present application provides a method, an apparatus, a server, a medium, and a product for recommending financial products.
In order to achieve the above purpose, the present application provides the following technical solutions:
according to a first aspect of the embodiments of the present disclosure, there is provided a recommendation method of a financial product, including:
receiving transfer application information sent by a client, wherein the transfer application information comprises: transfer-in account, transfer-out account and transfer amount;
if the transfer amount is larger than or equal to a preset threshold value, obtaining a transfer application corresponding to the transfer application information;
if the transfer use is the investment use, determining first rights and interests information of a product to be invested;
searching a target financing product of which the equity information is higher than or equal to the first equity information from a preset corresponding relation between the equity information and the financing product;
and sending invitation information to the client, wherein the invitation information comprises the information of the target financial product, and the invitation information is sent to the client before the transfer application agreement corresponding to the transfer application information.
According to a second aspect of the embodiments of the present disclosure, there is provided an apparatus for recommending financial products, comprising:
the receiving module is used for receiving the transfer application information sent by the client, and the transfer application information comprises: transfer-in account, transfer-out account and transfer amount;
the obtaining module is used for obtaining the transfer application corresponding to the transfer application information if the transfer amount is larger than or equal to a preset threshold value;
the determining module is used for determining first right information of a product to be invested if the transfer application is an investment application;
the searching module is used for searching a target financing product of which the equity information is higher than or equal to the first equity information from the preset corresponding relation between the equity information and the financing product;
the first sending module is used for sending invitation information to the client, the invitation information comprises information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
According to a third aspect of the embodiments of the present disclosure, there is provided a server, including:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement the method of recommending financial products as described in the first aspect.
According to a fourth aspect of embodiments of the present disclosure, there is provided a computer-readable storage medium having instructions thereon which, when executed by a processor of a server, enable the server to perform the method of recommending a financial product according to the first aspect.
According to a fifth aspect of the embodiments of the present disclosure, there is provided a computer program product directly loadable into an internal memory of a computer, wherein the memory is included in the server according to the third aspect and contains software codes, and the computer program can be loaded into and executed by the computer to implement the method for recommending a financial product according to the first aspect.
According to the technical scheme, in the recommendation method of financial products, transfer application information sent by a client is received, and the transfer application information comprises the following steps: transfer-in account, transfer-out account and transfer amount; under the condition that the transfer amount contained in the transfer application information is larger than the preset threshold value, the probability that the transfer application is the investment application is high, and at the moment, the transfer application corresponding to the transfer application information needs to be obtained. If the transfer purpose is the investment purpose, the user is indicated as a potential user. Since the user has an own favorite investment product at present, it is necessary to provide the user with a target financial product having equity information higher than or equal to the first equity information of the product to be invested by the user. At the moment, the target financing product is a financing product suitable for the user, so that the aim of recommending the financing product suitable for the potential user is fulfilled.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a block diagram of a hardware architecture according to an embodiment of the present application;
FIG. 2 is a flow chart of a recommendation method for financial products provided by an embodiment of the application;
FIG. 3 is a schematic diagram of one implementation of a transfer application user interface provided by an embodiment of the present application;
FIG. 4 is a schematic view of a financial product recommendation device provided in an embodiment of the present application;
fig. 5 is a block diagram illustrating an apparatus for a server in accordance with an example embodiment.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The embodiment of the application provides a recommendation method, a recommendation device, a server, a medium and a product of a financial product, and before introducing the technical scheme provided by the application, a hardware architecture related to the application is explained.
As shown in fig. 1, a block diagram of a hardware architecture according to an embodiment of the present application is shown, where the hardware architecture includes: an electronic device 11 and a server 12.
For example, the electronic device 11 may be any electronic product capable of interacting with a user through one or more modes of a keyboard, a touch PAD, a touch screen, a remote controller, voice interaction, or a handwriting device, for example, a mobile phone, a notebook computer, a tablet computer, a palm computer, a personal computer, a wearable device, a smart television, a PAD, and the like.
It should be noted that fig. 1 is only an example, and the types of electronic devices may be various and are not limited to the smart phone in fig. 1.
The server 13 may be, for example, one server, a server cluster composed of multiple servers, or a cloud computing server center. The server 13 may include a processor, memory, and a network interface, among others.
The electronic device 11 may operate as a client, and the user may log in the client operated by the electronic device 11 through a user account, for example, the client may be a web page version client or an application client, and for example, the client is a bank client.
The server 12 may operate the recommendation method for financial products provided by the present application to obtain a target financial product suitable for the user, and send the invitation information to the client. The invitation information includes information of the target financial product.
It will be understood by those skilled in the art that the foregoing electronic devices and servers are merely exemplary and that other existing or future electronic devices or servers may be suitable for use with the present disclosure and are intended to be included within the scope of the present disclosure and are hereby incorporated by reference.
The following describes a recommendation method for financial products according to an embodiment of the present application with reference to the above hardware architecture.
As shown in fig. 2, a flowchart of a recommendation method for financial products according to an embodiment of the present application may be applied to the server 12, and the method may include the following steps S21 to S25.
Step S21: receiving transfer application information sent by a client, wherein the transfer application information comprises: transfer-in to account, transfer-out of account, and transfer amount.
Exemplary transfer types may include: account number transfer, mobile phone number transfer, cross border remittance.
The transfer type corresponding to the transfer application information in the application can be any transfer type.
If the transfer type is account number transfer, transferring to the account comprises the following steps: the transfer-out account comprises a payment account number, a payee name and a collection bank.
If the transfer type is the mobile phone number transfer, the transferred account comprises the mobile phone number of the receiver and the name of the receiver. The roll-out account is a payment account.
Fig. 3 is a schematic diagram illustrating an implementation manner of a transfer application user interface provided in the embodiment of the present application.
Fig. 3 illustrates an example of transfer using the transfer type as an account.
Illustratively, the user may enter in the transfer application user interface shown above FIG. 3: payment account, transfer amount, payee name, collection account number, collection bank, and additional words; the user clicks the next step to generate a transfer confirmation information interface shown below the figure 3, the user can select a safety tool through the transfer confirmation information interface, and after the user clicks the confirmation step, the client can generate transfer application information.
Illustratively, the transfer application information may be generated after the user clicks on "next" step.
Illustratively, the transfer application information may further include: safety tools. The server 12 may determine the type of passcode sent for the client based on the security tool, for example, if the security tool is: the server 12 can send the transaction code to the mobile phone held by the user, namely, the type of the verification code is the transaction code; if the safety tool is: the mobile phone transaction code + dynamic password, the server 12 may send the transaction code to the mobile phone held by the user and send the dynamic password to the U shield, that is, the type of the verification code includes the transaction code and the dynamic password.
Step S22: and if the transfer amount is larger than or equal to a preset threshold value, obtaining the transfer application corresponding to the transfer application information.
Illustratively, the preset threshold is preset.
For example, the highest value of the money transfer of the user in the daily shopping process can be determined based on the historical money transfer record of the user, and the highest value is determined as the preset threshold value.
Exemplary, daily shopping includes: and (5) purchasing living goods. It is possible to determine which of the historical transfer records are daily shopping records by whether the transferred account belongs to a merchant.
It can be understood that the user may use the transfer function in the process of daily shopping, and at this time, even if the user is recommended a financial product, the user will not purchase the financial product, so in order to avoid frequently recommending the financial product to the user, a preset threshold value is set. In the embodiment of the application, the user is considered to have the intention of purchasing a financial product by using the transfer amount after the transfer amount is greater than or equal to the preset threshold value.
It is understood that since the transfer amount is higher than or equal to the preset threshold, it may be called a large transfer, and the user may perform the large transfer for the following reasons: investment in products and hospital treatment. It is necessary to determine the transfer usage after detecting that the transfer application information relates to a large amount of transfer.
Exemplary, investment products include, but are not limited to: purchase financing products, purchase stocks, purchase futures, purchase real estate, and make an advance payment.
It is understood that the reason for the advance payment of the user is that the loan interest rate is too high, and if the user is provided with a financial product having a profit rate higher than the loan interest rate, the user is more inclined to purchase the financial product, so the advance payment is also called an investment product.
In an alternative implementation, the user may enter the transfer usage in the transfer application user interface, such as "baila on purchase of XXX financial products" in the appendix shown in fig. 3, at which point the transfer usage may be obtained from the transfer application information.
Step S23: and if the transfer use is the investment use, determining first rights and interests information of the product to be invested.
In an alternative implementation, the user may enter the product to be invested in the transfer application user interface, such as "baila" for buying XXX financial products "in the appendix shown in fig. 3, where the product to be invested may be obtained from the transfer application information.
Exemplary, entitlement information includes, but is not limited to: a profitability of the product, a gift available for purchase of the product, and a financial threshold for purchase of the product.
Exemplary, gifts that may be made available for purchase of a product may include, but are not limited to, at least one of: household appliances and shopping cards.
Step S24: and searching a target financing product of which the equity information is higher than or equal to the first equity information from the preset corresponding relation between the equity information and the financing product.
It can be understood that, since the equity information of the target financial product recommended to the user is higher than that of the product to be invested by the user, the user can purchase the target financial product with a high probability, that is, the purchase rate of the financial product is increased.
Step S25: and sending invitation information to the client, wherein the invitation information comprises the information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
Illustratively, after receiving the transfer application information, the server needs to check the transferred account, and if the transferred account is successfully checked and the transaction code and/or the dynamic password or the bank card password passes verification, the server generates a transfer application agreement.
The invitation information is sent to the client prior to approval of the transfer application.
In an optional implementation manner, if the information fed back by the client and determining that the target financial product is not purchased is detected, the transfer agreement application is sent to the client.
In an optional implementation mode, if the information that the client side does order to buy the target financial product is detected, the transfer approval application is forbidden to be sent to the client side.
In the recommendation method for financial products provided by the embodiment of the application, transfer application information sent by a client is received, wherein the transfer application information comprises: transfer-in account, transfer-out account and transfer amount; under the condition that the transfer amount contained in the transfer application information is larger than the preset threshold value, the probability that the transfer application is the investment application is high, and at the moment, the transfer application corresponding to the transfer application information needs to be obtained. If the transfer purpose is the investment purpose, the user is indicated as a potential user. Since the user has already had his own favorite investment product at present, it is necessary to provide the user with a target financing product whose equity information is higher than or equal to the first equity information of the product to be invested by the user. At the moment, the target financing product is a financing product suitable for the user, so that the aim of recommending the financing product suitable for the potential user is fulfilled.
In an alternative implementation manner, there are various implementation manners of step S22, and the embodiment of the present application provides, but is not limited to, the following two.
The first implementation manner of step S22 includes: and acquiring the transfer application filled by the user from the transfer application information.
Still taking FIG. 3 as an example, the user may have entered the transfer usage in the transfer application user interface, such as "baila on purchase of XXX financing product" in the appendix shown in FIG. 3, where the transfer usage may be obtained from the transfer application information as an investment usage.
The second implementation of step S22 includes the following steps a11 to a 12.
Step A11: acquiring user information of a user to which the transferred account belongs, wherein the user information comprises: whether the related account transferred into the account purchases at least one of the investment products with at least the transfer amount, the loan repayment information of the transferred account and whether the transferred account purchases at least one of the investment products with at least the transfer amount.
Exemplary loan repayment information includes, but is not limited to: vehicle loan repayment information, house property loan repayment information and mortgage loan repayment information.
For example, the transfer account and the transfer account may belong to the same user, e.g., the amount of money transferred to the account by the user is not sufficient to purchase the investment product, so the transfer account is required for transferring money.
For example, the user to which the transfer-in account and the transfer-out account belong may not be the same user, such as user a investing through user B, for example, user B collects funds of multiple users to purchase investment products.
Illustratively, the above reference to "having at least the transfer amount" takes into account the following three cases:
in case 1, the user who transfers the account to may buy the money-invested product from the total amount of the transferred account and the transferred account, and at this time, the value of the money-invested product is higher than the transfer amount.
And 2, the user to which the transferred account belongs purchases the investment product of the transfer amount, and at the moment, the value of the investment product is equal to the transfer amount.
And 3, the transfer account receives the transfer amount of a plurality of users, and an investment product of the sum of all the transfer amounts is purchased, wherein the value of the investment product is higher than the transfer amount.
It is possible to check whether the transferred account has purchased an investment product having at least the transfer amount in order to determine the transfer use on the basis thereof. Illustratively, if the transferred account has purchased an investment product having at least the transfer amount, the transfer use is more likely to be an investment use.
Exemplary associated users transferred to an account include, but are not limited to: the colleagues of the user to which the account belongs and/or the family of the user.
For example, the associated user may be determined through an address book in the electronic device held by the user to which the account belongs.
It is understood that the user to which the transferred account belongs may be influenced by the associated user to purchase the investment products purchased by the associated user, so that whether the user to which the transferred account belongs has an intention to purchase the investment products can be predicted by whether the associated user purchases the investment products having at least the transfer amount.
For example, if the loan repayment information includes that the amount to be repayed is higher than or equal to the transfer amount, the user who transfers the loan to the account may need to repay in advance.
Step A12: and determining the transfer application corresponding to the transfer application information based on the user information.
There are various implementation manners of step a12, and the embodiments of the present application provide, but are not limited to, the following implementation methods. The implementation method comprises the following steps: inputting the user information into a pre-constructed investment probability prediction model to obtain the investment probability output by the investment probability prediction model; and if the investment probability is higher than or equal to a preset probability, determining the transfer purpose as the investment purpose.
Illustratively, the investment probability prediction model is obtained by training a machine learning model in advance through user information of a plurality of samples, and the machine learning model can adopt at least one of a neural network model, a Support Vector Machine (SVM), a Decision Tree (Decision Tree), a logistic regression model, Adaboost, XGboost and a transform-Encoder model.
It can be understood that the sample user corresponds to the sample user information. The process of obtaining the sample user information of the sample user is the same as the process of obtaining the user information of the user, and is not described herein again.
The Neural Network model may be at least one of a Convolutional Neural Network (CNN), an Artificial Neural Network (ANN), or a Recurrent Neural Network (RNN).
Illustratively, the machine learning model may be at least one of an attention-based depth model, a memory network-based depth model, a deep learning-based short text classification model, a recurrent neural network-based model, a convolutional neural network-based model, and a depth mixture model of a transform-encoder-based classification model.
Wherein, the short text classification model based on deep learning is a Recurrent Neural Network (RNN) or a Convolutional Neural Network (CNN) or is based on a variant of the recurrent neural network or the convolutional neural network.
For example, some simple domain adaptation may be performed on a model that has been pre-trained to obtain a machine learning model.
Exemplary "simple domain adaptation" includes, but is not limited to, re-using large-scale unsupervised domain corpora for secondary pre-training on a pre-trained model, and/or model compression by model distillation on a pre-trained model.
In an alternative implementation manner, there are various implementation manners of step S23, and the embodiment of the present application provides, but is not limited to, the following two.
The first implementation manner of step S23 includes: and obtaining the product to be invested from the transfer application information.
The user may enter the product to be invested in the transfer application user interface, such as "baila on purchase of XXX financing product" in the appendix shown in fig. 3, at which point the product to be invested may be obtained from the transfer application information.
The second implementation of step S23 includes the following step B11.
Step B11: and inputting the user information of the user to which the transferred account belongs to a pre-constructed financial product recommendation model to obtain a target financial product output by the financial product recommendation model.
Illustratively, the financial product recommendation model is obtained by training a machine learning model in advance through a plurality of sample user information, and the machine learning model may adopt at least one of a neural network model, a Support Vector Machine (SVM), a Decision Tree (Decision Tree), a logistic regression model, Adaboost, XGboost, and a transform-Encoder model.
The process of obtaining the sample user information of the sample user is the same as the process of obtaining the user information of the user, and is not described herein again.
The Neural Network model may be at least one of a Convolutional Neural Network (CNN), an Artificial Neural Network (ANN), or a Recurrent Neural Network (RNN).
Illustratively, the machine learning model may be at least one of an attention-based depth model, a memory network-based depth model, a deep learning-based short text classification model, a recurrent neural network-based model, a convolutional neural network-based model, and a depth mixture model of a transform-encoder-based classification model.
Wherein, the short text classification model based on deep learning is a Recurrent Neural Network (RNN) or a Convolutional Neural Network (CNN) or is based on a variant of the recurrent neural network or the convolutional neural network.
For example, some simple domain adaptation may be performed on a model that has been pre-trained to obtain a machine learning model.
Exemplary "simple domain adaptation" includes, but is not limited to, re-using large-scale unsupervised domain corpora to perform secondary pre-training on a pre-trained model, and/or performing model compression on a pre-trained model by model distillation.
In an alternative implementation, step S25 may include the following steps C11 through C12.
Step C11: and generating invitation information based on the second interest information of the target financial product and the purchase link of the target financial product.
Step C12: and sending the invitation information to the client.
In an optional implementation manner, the future income situation of the target financial product can be predicted according to the historical income situation of the target financial product, and the invitation information further comprises the future income situation.
Illustratively, the invitation template may be preset, assuming that the invitation information template includes: the method comprises the steps that a client [ a first parameter for representing the name of the client ] [ a second parameter for representing the transfer amount ] [ a third parameter for representing the transfer amount ] seconds before ten thousands yuan is transferred out, a special product [ a fifth parameter for representing a purchasing link of a target financing product ] is pushed for purchasing invitation through a channel such as a short message and a mobile phone bank screen flicking [ a fourth parameter for representing the showing form of invitation information ], the client purchases before the sixth parameter for representing the time, the amount reaches [ a seventh parameter for representing the purchasing fund of the target financing product ], and the interest amount [ an eighth parameter for representing the second interest information ] can be obtained.
In order for those skilled in the art to quickly find placeholders from the invitation template, the exhibition placeholders are marked with "[ in ] in the invitation template, and in practical applications, the placeholders in the invitation template may not be marked with" [ in ] and may be marked with other symbols, e.g.,', or may not be marked with any character.
For example, the corresponding relationship between the placeholder and the parameter at each position may be preset, for example, a character string in the placeholder in the invitation template may represent the corresponding relationship between the placeholder and the parameter, and then based on the corresponding relationship, the placeholder included in the invitation template is replaced with the corresponding parameter, so that the invitation information may be obtained.
Illustratively, the user may purchase the targeted financial product via the purchase link in the invitation message.
Illustratively, after the user knows the target financial product through the invitation information, the user can purchase the target financial product through the client.
In an optional implementation manner, the invitation information may be presented in the client in a pop-up window form, or the invitation information may be presented in the client in a short message form, or the invitation information may be presented in the client in a 5G short message form.
The method is described in detail in the embodiments disclosed in the present application, and the method of the present application can be implemented by various types of apparatuses, so that an apparatus is also disclosed in the present application, and the following detailed description is given of specific embodiments.
As shown in fig. 4, a schematic diagram of a financial product recommendation device provided in an embodiment of the present application is shown, where the device includes: a receiving module 41, an obtaining module 42, a determining module 43, a searching module 44, and a first sending module 45, wherein:
the receiving module 41 is configured to receive transfer application information sent by a client, where the transfer application information includes: transfer-in account, transfer-out account and transfer amount;
the obtaining module 42 is configured to obtain a transfer application corresponding to the transfer application information if the transfer amount is greater than or equal to a preset threshold;
a determining module 43, configured to determine first right information of a product to be invested if the transfer usage is an investment usage;
the searching module 44 is used for searching a target financing product of which the interest information is higher than or equal to the first interest information from the preset corresponding relation between the interest information and the financing product;
and the first sending module 45 is used for sending invitation information to the client, wherein the invitation information comprises the information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
In an optional implementation manner, the obtaining module includes:
a first obtaining unit, configured to obtain user information of a user to which the transferred account belongs, where the user information includes: whether the related account transferred into the account purchases at least one of the investment products with at least the transfer amount, the loan repayment information of the transferred account and whether the transferred account purchases at least one of the investment products with at least the transfer amount;
and the determining unit is used for determining the transfer application corresponding to the transfer application information based on the user information.
In an optional implementation manner, the obtaining module includes:
and the second acquisition unit is used for acquiring the transfer application filled by the user from the transfer application information.
In an optional implementation, the first sending module includes:
the generating unit is used for generating invitation information based on second interest information of the target financial product and a purchase link of the target financial product;
and the sending unit is used for sending the invitation information to the client.
In an optional implementation manner, the method further includes:
and the second sending module is used for sending the transfer agreement application to the client side if the information fed back by the client side and confirming that the target financial product is not purchased is detected.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
Fig. 5 is a block diagram illustrating an apparatus for a server in accordance with an example embodiment.
Servers include, but are not limited to: a processor 51, a memory 52, a network interface 53, an I/O controller 54, and a communication bus 55.
It should be noted that the structure of the server shown in fig. 5 is not limited to the server, and the server may include more or less components than those shown in fig. 5, or some components may be combined, or a different arrangement of components may be used, as will be understood by those skilled in the art.
The following describes each component of the server in detail with reference to fig. 5:
the processor 51 is a control center of the server, connects various parts of the entire server using various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 52 and calling data stored in the memory 52, thereby performing overall monitoring of the server. Processor 51 may include one or more processing units; illustratively, the processor 51 may integrate an application processor, which primarily handles operating systems, user interfaces, applications, etc., and a modem processor, which primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 51.
The processor 51 may be a Central Processing Unit (CPU), or an application Specific Integrated circuit (asic), or one or more Integrated circuits configured to implement embodiments of the present invention, etc.;
the Memory 52 may include a Memory, such as a Random-Access Memory (RAM) 521 and a Read-Only Memory (ROM) 522, and may also include a mass storage device 523, such as at least 1 disk storage. Of course, the server may also include hardware needed for other services.
The memory 52 is used for storing the executable instructions of the processor 51. The processor 51 has the following functions: receiving transfer application information sent by a client, wherein the transfer application information comprises: transfer-in account, transfer-out account and transfer amount;
if the transfer amount is larger than or equal to a preset threshold value, obtaining a transfer application corresponding to the transfer application information;
if the transfer use is the investment use, determining first rights and interests information of a product to be invested;
searching a target financing product of which the equity information is higher than or equal to the first equity information from a preset corresponding relation between the equity information and the financing product;
and sending invitation information to the client, wherein the invitation information comprises the information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
A wired or wireless network interface 53 is configured to connect the server to a network.
The processor 51, the memory 52, the network interface 53, and the I/O controller 54 may be connected to each other by a communication bus 55, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc.
In an exemplary embodiment, the server may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described method for recommending financial products.
In an exemplary embodiment, the disclosed embodiments provide a storage medium comprising instructions, such as a memory 52 comprising instructions, executable by a processor 51 of a server to perform the above-described method. Alternatively, the storage medium may be a non-transitory computer readable storage medium, which may be, for example, a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
In an exemplary embodiment, there is also provided a computer-readable storage medium directly loadable into the internal memory of a computer, such as the memory 52 described above, and containing software code which, when loaded and executed by a computer, is able to carry out the method of recommending a financial product described above.
In an exemplary embodiment, there is further provided a computer program product directly loadable into an internal memory of a computer, such as a memory included in the server, and including software code, which is loaded into and executed by the computer to implement the method for recommending a financial product as described above.
The recommendation method, device, server, medium and product of financial products provided by the invention can be used in the financial field or other fields, for example, can be used in a financial product recommendation application scene in the financial field. The above description is only an example, and does not limit the application fields of the method, apparatus, server, medium, and product for recommending financial products provided by the present invention.
Note that the features described in the embodiments in the present specification may be replaced with or combined with each other. For the embodiments of the apparatus or system, since they are substantially similar to the embodiments of the method, the description is simple, and reference may be made to the partial description of the embodiments of the method for relevant points.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method of recommending financial products, comprising:
receiving transfer application information sent by a client, wherein the transfer application information comprises: transfer-in account, transfer-out account and transfer amount;
if the transfer amount is larger than or equal to a preset threshold value, obtaining the transfer application corresponding to the transfer application information;
if the transfer use is the investment use, determining first rights and interests information of a product to be invested;
searching a target financing product of which the interest information is higher than or equal to the first interest information from a preset corresponding relation between the interest information and the financing product;
and sending invitation information to the client, wherein the invitation information comprises the information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
2. The recommendation method of financial products according to claim 1, wherein said obtaining the transfer use corresponding to said transfer application information comprises:
acquiring user information of a user to which the transferred account belongs, wherein the user information comprises: whether the related account transferred into the account purchases at least one of the investment products with at least the transfer amount, the loan repayment information of the transferred account and whether the transferred account purchases at least one of the investment products with at least the transfer amount;
and determining the transfer application corresponding to the transfer application information based on the user information.
3. The recommendation method of financial products according to claim 1, wherein said obtaining the transfer use corresponding to said transfer application information comprises:
and acquiring the transfer application filled by the user from the transfer application information.
4. The method for recommending a financial product according to any one of claims 1 to 3, wherein said step of sending an invitation message to said client comprises:
generating invitation information based on second right information of the target financial product and a purchase link of the target financial product;
and sending the invitation information to the client.
5. A recommendation method for financial products according to any one of claims 1 to 3, further comprising:
and if the information fed back by the client and confirming that the target financial product is not purchased is detected, sending the transfer agreement application to the client.
6. A recommendation device for financial products, comprising:
the receiving module is used for receiving the transfer application information sent by the client, and the transfer application information comprises: transfer-in account, transfer-out account and transfer amount;
the obtaining module is used for obtaining the transfer application corresponding to the transfer application information if the transfer amount is larger than or equal to a preset threshold value;
the determining module is used for determining first right information of a product to be invested if the transfer application is an investment application;
the searching module is used for searching a target financing product of which the equity information is higher than or equal to the first equity information from the preset corresponding relation between the equity information and the financing product;
the first sending module is used for sending invitation information to the client, the invitation information comprises information of the target financing product, and the invitation information is sent to the client before the transfer application is agreed corresponding to the transfer application information.
7. The recommendation device for financial products according to claim 6, wherein said acquisition module comprises:
a first obtaining unit, configured to obtain user information of a user to which the transferred account belongs, where the user information includes: whether the related account transferred into the account purchases at least one of the investment products with at least the transfer amount, the loan repayment information of the transferred account and whether the transferred account purchases at least one of the investment products with at least the transfer amount;
and the determining unit is used for determining the transfer application corresponding to the transfer application information based on the user information.
8. A server, comprising:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement the method of recommending a financial product according to any of claims 1 to 4.
9. A computer-readable storage medium in which instructions, when executed by a processor of a server, enable the server to perform the method of recommending a financial product according to any one of claims 1 to 4.
10. A computer program product directly loadable into the internal memory of a computer, said memory being the memory comprised by the server according to claim 8 and containing software code, said computer program being loadable and executable by the computer to carry out the method of recommendation of a financial product according to any of claims 1 to 4.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115482116A (en) * | 2022-09-30 | 2022-12-16 | 北京百度网讯科技有限公司 | Asset investment strategy information recommendation method, device, equipment and medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115482116A (en) * | 2022-09-30 | 2022-12-16 | 北京百度网讯科技有限公司 | Asset investment strategy information recommendation method, device, equipment and medium |
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