CN115170324A - Asset information pushing method and device - Google Patents

Asset information pushing method and device Download PDF

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CN115170324A
CN115170324A CN202210667369.2A CN202210667369A CN115170324A CN 115170324 A CN115170324 A CN 115170324A CN 202210667369 A CN202210667369 A CN 202210667369A CN 115170324 A CN115170324 A CN 115170324A
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金蕾
鲁忆
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Boc Financial Technology Co ltd
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Abstract

The invention provides an asset information pushing method and device, wherein the method comprises the following steps: acquiring configuration information of a combination of a user investment risk type and an investment deadline type, and acquiring major asset target proportion corresponding to the configuration information one by one from a preset major asset template library according to the configuration information; acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio; and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio after the adjustment of the large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota. The method can improve the accuracy and efficiency of asset allocation and avoid the problems of large time consumption of users and high possibility of error adjustment.

Description

Asset information pushing method and device
Technical Field
The invention relates to the technical field of internet, in particular to an asset information pushing method and device.
Background
A broad category of assets refers to a certain category of investable financial assets having similar properties. When the assets are classified, the assets in the same major class have similar attributes, different major classes have obviously different investment attributes, and the same asset cannot belong to a plurality of major class asset types. The customers hold different categories of assets for the purposes of decentralizing risks and pursuing earnings, but the customers often do not have enough investment experience and time to adjust the product structure, so that asset information push is required.
In the current asset information pushing method, investors also need to spend a great deal of time for market observation and analysis, and after the market observation and analysis, the investors manually adjust the exchange products. However, the above-described observation, analysis and manual adjustment of the product exchange method requires a complicated process, consumes a lot of time by the user, and is prone to erroneous adjustment. Therefore, in the related art, the asset information pushing mode of the user has the problems of complex adjustment process, easy error adjustment and low efficiency.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides an asset information pushing method and device.
The invention provides an asset information pushing method, which comprises the following steps: acquiring configuration information of a combination of a user investment risk type and an investment deadline type, and acquiring major asset target proportion corresponding to the configuration information one by one from a preset major asset template library according to the configuration information; acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio; and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio after the adjustment of the large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
According to the asset information pushing method provided by the invention, the step of determining the sending result of the recommendation information of the large-class assets according to the current ratio and the target ratio comprises the following steps: determining a large-class asset matching score value according to the current matching and the target matching; and determining to send the recommendation information when the ratio score value is smaller than a preset threshold value.
According to the asset information pushing method provided by the invention, the method further comprises the following steps: and sending the ratio score value to a human-computer interface for displaying to a user.
According to the asset information pushing method provided by the invention, the step of determining the grading value of the large-class asset matching according to the current matching and the target matching comprises the following steps:
Figure BDA0003692076810000021
wherein n is the total number of the assets in the major category, x i 、y i Respectively the current ratio and the target ratio of the ith type of large-class assets.
According to the asset information pushing method provided by the invention, the step of determining the sending result of the recommendation information of the large-class assets according to the current ratio and the target ratio comprises the following steps: and determining to send the recommendation information when the current ratio of any major asset is less than the floating ratio parameter after the target ratio is subtracted from the current ratio of any major asset.
According to the asset information pushing method provided by the invention, before determining the product recommendation information, the method further comprises the following steps: acquiring the latest attribute data of each product in real time; correspondingly, the determining the product recommendation information according to the current asset information and the target ratio of the user comprises the following steps: determining product recommendation information according to the current asset information of the user, the latest attribute data of each product and the target ratio;
wherein the attribute data comprises any one or more of recommendation priority, risk level, product purchase amount, product remaining amount, sale time and sale state.
According to the asset information pushing method provided by the invention, the recommendation information is an option including different product types and quotas, and after the product recommendation information is determined, the method further comprises the following steps: displaying the latest attribute data of each recommended product, and receiving a product configuration result selected by a user; calculating the updated current ratio and the target ratio according to different product configuration results selected by a user, and determining the ratio score value of the large-class assets; and sending the updated ratio score value to a human-computer interface for displaying to a user.
The invention also provides an asset information pushing device, comprising: the target acquisition module is used for acquiring configuration information of a combination of the investment risk type and the investment deadline type of a user and acquiring the target proportion of the large assets corresponding to the configuration information one by one from a preset large asset template library according to the configuration information; the diagnosis scoring module is used for acquiring the current ratio of the large assets configured by the user and determining the sending result of the recommended information of the large assets according to the current ratio and the target ratio; and the product recommendation module is used for determining product recommendation information according to the current asset information and the target ratio of the user under the condition of determining to send the recommendation information, so that the ratio of the adjusted large-class assets configured according to the product recommendation information is consistent with the target ratio, and the product recommendation information comprises a product type and a quota.
The invention also provides an electronic device, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor executes the program to realize the asset information pushing method.
The present invention also provides a non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the asset information pushing method as described in any one of the above.
The present invention also provides a computer program product comprising a computer program, which when executed by a processor, implements the asset information push method according to any of the above.
According to the asset information pushing method and device, the recommendation standard can be quickly obtained through the corresponding relation between the configuration information and the target ratio, and the product recommendation information is determined according to the current asset information and the target ratio of the user, so that the asset configuration accuracy and the asset configuration efficiency can be improved, and the problems that a large amount of time is consumed by the user and the adjustment is prone to errors are solved.
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In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed for the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
FIG. 1 is a schematic flow chart of an asset information pushing method provided by the present invention;
FIG. 2 is a second schematic flowchart of an asset information pushing method provided by the present invention;
FIG. 3 is a schematic structural diagram of an asset information pushing device provided by the present invention;
fig. 4 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
The asset information pushing method and device of the present invention are described below with reference to fig. 1 to 4. Fig. 1 is a schematic flow diagram of an asset information pushing method provided by the present invention, and as shown in fig. 1, the asset information pushing method provided by the present invention includes:
101. acquiring configuration information of a combination of a user investment risk type and an investment deadline type, and acquiring major asset target proportion corresponding to the configuration information one by one from a preset major asset template library according to the configuration information.
Before 101, a large-class asset benchmark matching template, namely a target matching, of each combination is set according to a combination of factors such as the preference of the risk type and the preference of the investment period type of the client. For example, risk preference types are five-level, conservative, robust, balanced, growing, and aggressive from low to high; the types of investment period are season, year, 5 years and the like, and the types of major assets are four. And setting target proportions of four types of major assets corresponding to each combination according to different combinations of risk preference types and investment term types.
When recommending a user, first obtaining configuration information of a combination of an investment risk type and an investment term type of the user, for example, outputting options to the user through a human-computer interface of a mobile terminal, and receiving the investment risk type and the investment term type selected by the user through the mobile terminal.
102. And acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio.
Before the current ratio is obtained, user asset information is obtained, assets are divided according to asset classes, and the current ratio is obtained.
And calculating whether the current matching target matching is consistent or not, and recommending products if the current matching target matching is not consistent, namely recommending information of the large assets.
103. And under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio after the adjustment of the large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
And when the recommendation information of the major assets needs to be sent, calculating the difference value of the sum of money to reach the target ratio to obtain the sum of money to be increased. And presetting a plurality of recommended products for each large class of assets, and screening products suitable for current purchase according to a series of conditions such as configured recommendation priority, product purchase starting amount and the like, so that the current ratio of the adjusted large class of assets meets the target ratio of the template library.
According to the asset information pushing method, the recommendation standard can be quickly obtained through the corresponding relation between the configuration information and the target ratio, and the product recommendation information is determined according to the current asset information and the target ratio of the user, so that the asset configuration accuracy and the asset configuration efficiency can be improved, and the problems that a large amount of time is consumed by the user and the adjustment is prone to errors are solved.
In one embodiment, the determining a sending result of the recommendation information of the large-scale assets according to the current matching and the target matching includes: determining a large-class asset matching score value according to the current matching and the target matching; and determining to send the recommendation information when the ratio score value is smaller than a preset threshold value.
And determining corresponding score values according to the current ratio and the target ratio, and determining whether to send recommendation information after comparing the score values with a target threshold value. For example, a score value normalized to 60 to 100 is set. And if the recommendation information is less than 80, sending the recommendation information.
In one embodiment, the method further comprises: and sending the ratio score value to a human-computer interface for displaying to a user. And displaying the ratio credit value of the current asset allocation to the user so as to facilitate the user to intuitively obtain the rationality of the asset allocation.
In one embodiment, the determining a broad asset mix score value based on the current mix and the target mix comprises:
Figure BDA0003692076810000061
wherein n is the total number of the assets in the major category, x i 、y i Respectively the current ratio and the target ratio of the ith type of large-class assets.
As shown in the specific calculation method, the embodiment of the invention normalizes the ratio score value to an interval of not less than 60 and 100 as full score so as to accord with the understanding habit of a client, has friendliness and improves the user experience.
In one embodiment, the determining a sending result of the recommendation information of the large-scale assets according to the current matching and the target matching includes: and determining to send the recommendation information when the target ratio subtracted from the current ratio of any of the major assets is smaller than the floating ratio parameter.
Optionally, when setting the target mix ratio, a floating ratio parameter is also set for each large class of assets. For example, the float ratio parameter is 5%. And subtracting the floating proportion parameter from the target proportion of any large-class asset to obtain an ideal interval lower limit of the large-class occupation ratio, and sending recommendation information when the current occupation ratio of the large-class asset is lower than the calculated lower limit.
In one embodiment, before the determining the product recommendation information, the method further includes: acquiring the latest attribute data of each product in real time; correspondingly, the determining the product recommendation information according to the current asset information and the target ratio of the user comprises the following steps: determining product recommendation information according to the current asset information of the user, the latest attribute data of each product and the target ratio; wherein the attribute data comprises any one or more of recommendation priority, risk level, product purchase amount, product remaining amount, sale time and sale state.
As shown in FIG. 2, the invention acquires the latest attribute data of each product in real time, including the attribute influencing whether the product can be sold in real time through timing polling, so as to acquire the real-time information of the product, make the recommendation information diverse and accurate and ensure timeliness. For example, the shell script is called by using the crontab at regular time to update real-time sales information of the products in the product pool, such as surplus, whether to stop selling, whether to increase the risk level, bid for buying and selling, and the like. And setting corresponding information needing to be updated in real time according to different product types. And updating the information into the corresponding database table.
Correspondingly, when the product recommendation information is determined, a plurality of products suitable for current purchase are screened from the recommendation pool according to a series of conditions such as configured recommendation priority, risk level, product purchase starting amount, product remaining amount, sale time, sale state and the like to obtain the product recommendation information in 103.
In one embodiment, after determining the product recommendation information, the method further includes: displaying the latest attribute data of the recommended products, and receiving a product configuration result selected by a user; calculating the updated current ratio and the target ratio according to different product configuration results selected by a user, and determining the ratio score value of the major assets; and sending the updated ratio credit value to a human-computer interface for displaying to a user.
In the embodiment of the invention, different real-time product information (such as net value, bid and offer, fluctuation range, profitability and the like) is displayed for selection according to key display elements of different types of products. And the client adjusts the large class ratio according to the recommendation information to achieve the purpose of optimizing the asset configuration, and calculates the product ratio score value according to the selection result of the user so as to facilitate the user to determine the adjusted reasonable degree. Meanwhile, the ratio scores can be respectively calculated according to different selection configuration results, so that the user can conveniently select the highest ratio score as an optimal adjustment scheme.
The method of the embodiment of the invention further improves the asset configuration accuracy and the asset configuration efficiency, saves the time of the user and avoids the problem of wrong adjustment of the user.
The asset information pushing device provided by the present invention is described below, and the asset information pushing device described below and the asset information pushing method described above may be referred to in correspondence with each other.
Fig. 3 is a schematic structural diagram of an asset information pushing apparatus provided in the present invention, and as shown in fig. 3, the asset information pushing apparatus includes: a goal acquisition module 301, a diagnostic scoring module 302, and a product recommendation module 303. The target acquisition module 301 is configured to acquire configuration information of a combination of an investment risk type and an investment deadline type of a user, and acquire a large-class asset target proportion corresponding to the configuration information one by one from a preset large-class asset template library according to the configuration information; the diagnosis scoring module 302 is configured to obtain a current ratio of the large assets configured by the user, and determine a sending result of the recommendation information of the large assets according to the current ratio and the target ratio; the product recommendation module 303 is configured to determine product recommendation information according to the current asset information of the user and the target ratio under the condition that it is determined to send the recommendation information, so that the ratio after adjusting the general assets configured according to the product recommendation information is consistent with the target ratio, where the product recommendation information includes a product type and a quota.
In one embodiment, the diagnostic scoring module 302 is specifically configured to: determining a large class asset matching score value according to the current matching and the target matching; and determining to send the recommendation information when the ratio score value is smaller than a preset threshold value.
In one embodiment, the data transceiver module is further included for: and sending the ratio score value to a human-computer interface for displaying to a user.
In one embodiment, the diagnostic scoring module 302 is specifically configured to: and determining to send the recommendation information when the current ratio of any major asset is less than the floating ratio parameter after the target ratio is subtracted from the current ratio of any major asset.
In one embodiment, the system further includes a data update module, specifically configured to: acquiring the latest attribute data of each product in real time; correspondingly, the product recommendation module 303 is specifically configured to: determining product recommendation information according to the current asset information of the user, the latest attribute data of each product and the target ratio; wherein the attribute data comprises any one or more of recommendation priority, risk level, product purchase amount, product remaining amount, sale time and sale state.
In one embodiment, the recommendation information includes options of different product types and quotas, and the data transceiver module is further configured to, after determining the product recommendation information, display latest attribute data of each recommended product, receive a product configuration result selected by a user, and correspondingly, the diagnostic scoring module 302 calculates an updated current ratio and the target ratio according to the different product configuration results selected by the user, and determines a broad-class asset ratio score value; and the data transceiver module sends the updated ratio credit value to a human-computer interface for display to a user.
The device embodiment provided in the embodiment of the present invention is for implementing the above method embodiments, and for specific flows and details, reference is made to the above method embodiment, which is not described herein again.
The asset information pushing device provided in the embodiment of the present invention has the same implementation principle and technical effect as those of the asset information pushing method embodiment, and for brief description, reference may be made to corresponding contents in the asset information pushing method embodiment for a part not mentioned in the embodiment of the asset information pushing device.
Fig. 4 is a schematic structural diagram of an electronic device provided in the present invention, and as shown in fig. 4, the electronic device may include: a processor (processor) 401, a communication Interface (Communications Interface) 402, a memory (memory) 403 and a communication bus 404, wherein the processor 401, the communication Interface 402 and the memory 403 communicate with each other through the communication bus 404. Processor 401 may invoke logic instructions in memory 403 to perform an asset information push method comprising: acquiring configuration information of a combination of an investment risk type and an investment deadline type of a user, and acquiring a major asset target ratio corresponding to the configuration information one by one from a preset major asset template library according to the configuration information; acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio; and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio of the adjusted large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
In addition, the logic instructions in the memory 403 may be implemented in the form of software functional units and stored in a computer readable storage medium when the software functional units are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
In another aspect, the present invention also provides a computer program product, where the computer program product includes a computer program, the computer program can be stored on a non-transitory computer readable storage medium, and when the computer program is executed by a processor, a computer can execute the asset information pushing method provided by the above methods, and the method includes: acquiring configuration information of a combination of an investment risk type and an investment deadline type of a user, and acquiring a major asset target ratio corresponding to the configuration information one by one from a preset major asset template library according to the configuration information; acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio; and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio after the adjustment of the large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
In still another aspect, the present invention also provides a non-transitory computer-readable storage medium, on which a computer program is stored, the computer program being implemented by a processor to execute an asset information pushing method provided by the above methods, the method including: acquiring configuration information of a combination of a user investment risk type and an investment deadline type, and acquiring major asset target proportion corresponding to the configuration information one by one from a preset major asset template library according to the configuration information; acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio; and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio after the adjustment of the large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one position, or may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. Based on the understanding, the above technical solutions substantially or otherwise contributing to the prior art may be embodied in the form of a software product, which may be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the various embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, and not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.

Claims (10)

1. An asset information pushing method, comprising:
acquiring configuration information of a combination of a user investment risk type and an investment deadline type, and acquiring major asset target proportion corresponding to the configuration information one by one from a preset major asset template library according to the configuration information;
acquiring the current ratio of the large assets configured by the user, and determining the sending result of the recommendation information of the large assets according to the current ratio and the target ratio;
and under the condition of determining to send the recommendation information, determining product recommendation information according to the current asset information of the user and the target ratio, so that the ratio of the adjusted large-class assets configured according to the product recommendation information is consistent with the target ratio, wherein the product recommendation information comprises a product type and a quota.
2. The asset information pushing method according to claim 1, wherein the determining a sending result of the recommendation information of the large class of assets according to the current matching ratio and the target matching ratio includes:
determining a large class asset matching score value according to the current matching and the target matching;
and determining to send the recommendation information when the ratio score value is smaller than a preset threshold value.
3. The asset information pushing method according to claim 1, wherein the method further comprises:
and sending the ratio score value to a human-computer interface for displaying to a user.
4. The method as claimed in claim 2, wherein the determining a major asset matching score value according to the current matching and the target matching comprises:
Figure FDA0003692076800000011
wherein n is the total number of the assets in the major category, x i 、y i Respectively the current ratio and the target ratio of the ith major asset.
5. The asset information pushing method according to claim 1, wherein the determining a sending result of the recommendation information of the large class of assets according to the current matching ratio and the target matching ratio includes:
and determining to send the recommendation information when the current ratio of any major asset is less than the floating ratio parameter after the target ratio is subtracted from the current ratio of any major asset.
6. The asset information pushing method according to claim 2, wherein before determining the product recommendation information, further comprising:
acquiring the latest attribute data of each product in real time;
correspondingly, the determining the product recommendation information according to the current asset information and the target ratio of the user comprises the following steps:
determining product recommendation information according to the current asset information of the user, the latest attribute data of each product and the target ratio;
wherein the attribute data comprises any one or more of recommendation priority, risk level, product purchase amount, product remaining amount, sale time and sale state.
7. The asset information pushing method according to claim 6, wherein the recommendation information includes options of different product types and quotas, and after determining the product recommendation information, the method further comprises:
displaying the latest attribute data of each recommended product, and receiving a product configuration result selected by a user;
calculating the updated current ratio and the target ratio according to different product configuration results selected by a user, and determining the grading value of the large-class asset ratio;
and sending the updated ratio score value to a human-computer interface for displaying to a user.
8. An asset information pushing apparatus, comprising:
the target acquisition module is used for acquiring configuration information of a combination of the investment risk type and the investment deadline type of a user and acquiring the target proportion of the large assets corresponding to the configuration information one by one from a preset large asset template library according to the configuration information;
the diagnosis scoring module is used for acquiring the current ratio of the large assets configured by the user and determining the sending result of the recommended information of the large assets according to the current ratio and the target ratio;
and the product recommendation module is used for determining product recommendation information according to the current asset information and the target ratio of the user under the condition of determining to send the recommendation information, so that the ratio of the adjusted large-class assets configured according to the product recommendation information is consistent with the target ratio, and the product recommendation information comprises a product type and a quota.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the asset information pushing method according to any one of claims 1 to 7 when executing the program.
10. A non-transitory computer-readable storage medium on which a computer program is stored, the computer program implementing the asset information push method according to any one of claims 1 to 7 when executed by a processor.
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* Cited by examiner, † Cited by third party
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CN116051199A (en) * 2022-12-06 2023-05-02 上海贝耳塔信息技术有限公司 Method, device, equipment and medium for evaluating combined structure

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116051199A (en) * 2022-12-06 2023-05-02 上海贝耳塔信息技术有限公司 Method, device, equipment and medium for evaluating combined structure

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