CN115203525A

CN115203525A - Resource information recommendation method, system, device, computer equipment and storage medium

Info

Publication number: CN115203525A
Application number: CN202110395861.4A
Authority: CN
Inventors: 胡炘; 伍沙沙; 张晗; 傅桔选; 尹方亮; 张越
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-04-13
Filing date: 2021-04-13
Publication date: 2022-10-18

Abstract

The application relates to a resource information recommendation method, a resource information recommendation device, computer equipment and a storage medium. The method comprises the following steps: acquiring user data; predicting user resource information based on the current user resource information to obtain target user resource information; predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired; acquiring a target to-be-acquired replacement factor, wherein the current to-be-acquired replacement factor is calculated according to the ratio information of the resource information to be acquired and the target user resource information; performing new resource prediction according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain new resource information to be acquired; and acquiring a transfer resource newly-increased factor matched with the time information, and acquiring the information of the transfer resource to be recommended based on the transfer resource newly-increased factor and the newly-increased resource information to be acquired. By adopting the method, the accuracy of the information of the resource to be recommended to be transferred can be improved.

Description

Resource information recommendation method, system, device, computer equipment and storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a resource information recommendation method, system, apparatus, computer device, and storage medium.

Background

With the development of computer technology, people increasingly acquire various recommended resource information through a resource information recommendation application, for example, acquire the recommended resource information through the resource information recommendation application. At present, resource information recommendation application generally obtains simple basic information of a user or randomly recommends resource information, and then recommends the resource information according to the simple basic information of the user or randomly, the obtained recommended resource information is not accurate enough, so that the user can refresh the recommended resource information through the resource information recommendation application continuously, that is, the resource is continuously recommended again, and computer equipment resources are wasted.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource information recommendation method, device, computer device, and storage medium, which can improve the accuracy of recommended resource information and further save network resources.

A method for resource information recommendation, the method comprising:

acquiring user data, wherein the user data comprises time information, current user resource information and current average resource information;

predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information;

predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired;

acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than the current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user;

predicting newly added resources according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain newly added resource information to be acquired;

acquiring a transfer resource newly-increased factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource newly-increased factor and newly-increased resource information to be acquired;

and pushing and displaying the information of the transfer resources to be recommended.

A resource information recommendation system comprises a terminal and a server;

the terminal is used for acquiring user data from the user data acquisition page, wherein the user data comprises time information, current user resource information and current average resource information; predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information; predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired; acquiring a target to-be-acquired replacement factor, wherein the target to-be-acquired replacement factor is larger than a current to-be-acquired replacement factor, and the current to-be-acquired replacement factor is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user; predicting newly added resources according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain newly added resource information to be acquired; acquiring a transfer resource newly-increased factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource newly-increased factor and newly-increased resource information to be acquired; displaying the information of the resources to be recommended and transferred through a resource transfer page, and sending the user data and the information of the resources to be recommended and transferred to a server;

the server is used for acquiring the user data and the information of the transfer resources to be recommended and storing the user data and the information of the transfer resources to be recommended in a correlation mode.

A resource information recommendation apparatus, the apparatus comprising:

the data acquisition module is used for acquiring user data, wherein the user data comprises time information, current user resource information and current average resource information;

the target information obtaining module is used for predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information;

the to-be-acquired information obtaining module is used for predicting the to-be-acquired resource information based on the time information, the current user resource information and the current average resource information to obtain the to-be-acquired resource information;

the factor acquisition module is used for acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than a current replacement factor to be acquired, and the current replacement factor to be acquired is obtained by calculation according to the resource information to be acquired and the proportion information of the target user resource information;

a newly added information acquisition module, configured to perform newly added resource prediction according to the target replacement factor to be acquired, the current replacement factor to be acquired, and the target user resource information, so as to obtain newly added resource information to be acquired;

a to-be-recommended information obtaining module, configured to obtain a transfer resource addition factor matched with the time information, and obtain to-be-recommended transfer resource information based on the transfer resource addition factor and the resource information to be obtained through addition;

and the information to be recommended display module is used for pushing and displaying the information of the transferred resources to be recommended.

A computer device comprising a memory storing a computer program and a processor implementing the following steps when the computer program is executed:

and pushing and displaying the information of the resources to be recommended and transferred.

A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:

acquiring a target to-be-acquired replacement factor, wherein the target to-be-acquired replacement factor is larger than a current to-be-acquired replacement factor, and the current to-be-acquired replacement factor is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user;

According to the resource information recommendation method, the resource information recommendation system, the resource information recommendation device, the computer equipment and the storage medium, user data are obtained, and the user data comprise time information, current user resource information and current average resource information; then, using the time information, the current user resource information and the current average resource information to obtain resource information to be obtained, enabling the obtained resource information to be obtained to be more accurate by using the time information, the current user resource information and the current average resource information, and then obtaining a target replacement factor to be obtained; the method comprises the steps of predicting new resources according to a target replacement factor to be obtained, a current replacement factor to be obtained and target user resource information to obtain new resource information to be obtained, so that the obtained new resource information to be obtained can be more accurate, then obtaining a transfer resource new factor matched with time information, obtaining transfer resource information to be recommended by using the transfer resource new factor and the new resource information to be obtained, so that the obtained transfer resource information to be recommended is more accurate, and then displaying the transfer resource information to be recommended, so that the problem that inaccurate transfer resource information to be recommended causes a user to continuously and repeatedly obtain recommended transfer resource information through a resource information recommendation application can be avoided.

Drawings

FIG. 1 is a diagram of an application environment of a resource information recommendation method in one embodiment;

FIG. 2 is a flowchart illustrating a resource information recommendation method according to an embodiment;

FIG. 3 is a schematic flow chart illustrating obtaining resource information to be obtained in one embodiment;

FIG. 4 is a flow diagram illustrating the determination of base resource weights in one embodiment;

FIG. 5 is a flow diagram illustrating obtaining current storage resource information in one embodiment;

FIG. 6 is a flow diagram illustrating obtaining persistent transfer resource information in one embodiment;

FIG. 7 is a flowchart illustrating the process of obtaining information on the resources to initiate the transfer in one embodiment;

FIG. 8 is a flowchart illustrating obtaining information of a target to-be-recommended transfer resource in one embodiment;

FIG. 9 is a flowchart illustrating transferring resource information to be recommended according to an embodiment;

FIG. 10 is a flowchart illustrating a resource information recommendation method in an exemplary embodiment;

FIG. 11 is a flowchart illustrating a resource information recommendation method in another embodiment;

FIG. 12 is a diagram illustrating a user data acquisition page in the embodiment of FIG. 11;

FIG. 13 is a schematic illustration of an investment scenario customization page in the embodiment of FIG. 11;

FIG. 14 is a schematic illustration of a scenario presentation page in the embodiment of FIG. 11;

FIG. 15 is a schematic illustration of an investment page in the embodiment of FIG. 11;

FIG. 16 is a schematic illustration of an investment information presentation page in the embodiment of FIG. 11;

FIG. 17 is a schematic diagram of a resource information recommendation system in one embodiment;

FIG. 18 is a block diagram showing the configuration of a resource information recommending apparatus according to an embodiment;

FIG. 19 is a diagram illustrating the internal structure of a computer device in one embodiment;

fig. 20 is an internal structural view of a computer device in another embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The resource information recommendation method provided by the application can be applied to the application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The terminal 102 provides a service for recommending resource information through interaction with the server 104. That is, the terminal 102 obtains user data through the resource information recommendation application, where the user data includes time information, current user resource information, and current average resource information; the terminal 102 predicts the user resource information based on the current user resource information to obtain target user resource information matched with the time information; the terminal 102 predicts the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired; the terminal 102 acquires a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than a current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user; performing new resource prediction according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain new resource information to be acquired; the terminal 102 acquires a transfer resource adding factor matched with the time information, and obtains transfer resource information to be recommended based on the transfer resource adding factor and resource information to be acquired; the terminal 102 pushes and displays the information of the transfer resource to be recommended, and stores the information of the transfer resource to be recommended and the user data in the database 106 of the server 104. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the server 104 may be implemented by an independent server or a server cluster formed by a plurality of servers.

In an embodiment, as shown in fig. 2, a resource information recommendation method is provided, which is described by taking the method as an example applied to the terminal in fig. 1, and it is understood that the method may also be applied to a server, and may also be applied to a system including the terminal and the server, and is implemented through interaction between the terminal and the server. In this embodiment, the method comprises the following steps:

step 202, user data is obtained, wherein the user data comprises time information, current user resource information and current average resource information.

The user data refers to data related to a user required for resource information recommendation. Including time information, current user resource information, and current average resource information, etc. The resource information is resource information that can be distributed via the internet, and can be distributed via the internet to obtain ownership of the resource information. For example, the resource information may be network resource information, such as audio/video, news information, etc., and the resource information may also be financial resource information, such as an electronic monetary amount, an electronic invoice, etc. The current user resource information refers to resource information which can be acquired by a user at the current time, and the current time refers to the time when resource information recommendation is performed. The current average resource information refers to resource information that all users can obtain on average at the current time point. The time information refers to a time limit during which the user can acquire the resource information, and may be a time period from a start time to an end time. The starting time refers to a time point when the user starts to acquire the resource information, and the ending time refers to a time point when the user terminates to acquire the resource information, wherein the starting time can be the current time when the resource information is recommended, and the ending time can be user-defined. For example, the time information may be a current age of the user, and the termination time may be a target age set by the user.

Specifically, the user enters a resource information recommendation application through the terminal, and the resource information recommendation application refers to an application capable of recommending resource information.

User data including, but not limited to, time information, current user resource information, and current average resource information is input through a data collection page in the resource information recommendation application. And then when the terminal receives a resource information recommendation instruction, the terminal acquires user data input by the user through the data acquisition page. Different resource information recommending applications exist in different service scenes, and different resource information can be recommended by the different resource information recommending applications. For example, in a financial service recommendation scenario, the application may be a financial resource information recommendation application, and for example, in a network resource information recommendation scenario, the application may be a network resource information recommendation application, such as a video recommendation application, a music recommendation application, and the like.

In one embodiment, the user may input the user information through a user data collection page in the resource information recommendation application, where the user information refers to relevant information of the user, and may include, for example, time information, current user resource information, and a user location. The user location refers to a location where the user recommends the resource information. And then the terminal can acquire the location of the user through the data acquisition page, and find the corresponding current average resource information from the configuration file according to the location of the user, so as to acquire the user data, wherein the configuration file can be acquired from the server in advance and stored in the terminal. In one embodiment, the terminal may also find the corresponding current average resource information from the internet according to the location of the user. In a specific embodiment, the time information may refer to a time difference between the target time and the current time. The current user resource information refers to resource information that can be obtained by a user at the current time, and the current average resource information is average resource information that can be obtained by all users at the current time.

And step 204, predicting the user resource information based on the current user resource information to obtain target user resource information matched with the time information.

The target user resource information refers to user resource information corresponding to the time when the time information is terminated, that is, refers to resource information owned by the user when the time information is terminated. For example, in a financial resource information recommendation application, the target user resource information may be resource information that the target time user may obtain.

Specifically, the terminal performs user resource information prediction according to the current user resource information and the time information to obtain target user resource information matched with the time information, for example, the terminal may calculate user resource information at the time of termination according to the time period in the time information by using the current user resource information to obtain the target user resource information. For example, the terminal may predict the network information that can be acquired at the time of the obtained termination time from the network information that can be acquired at the current time. The financial resource information acquired by the user at the time of termination can be obtained according to the financial resource information acquired by the user at the current time.

And step 206, predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired.

The resource information to be acquired refers to resource information that can be acquired in a time period corresponding to the time information, for example, in a financial resource information recommendation application scenario, the resource information to be acquired may be financial resource information that can be acquired in the time information

Specifically, the terminal calculates the resource information that can be acquired under the time information by using the current user resource information and the current average resource information, and obtains the resource information to be acquired.

And 208, acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than the current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the ratio information of the resource information to be acquired and the resource information of the target user.

The to-be-acquired replacement factor is used for representing the difference between the to-be-acquired resource information and the target user resource information, when the to-be-acquired replacement factor is larger, the difference between the to-be-acquired resource information and the target user resource information is smaller, namely, the to-be-acquired resource information is closer to the target user resource information, and when the to-be-acquired replacement factor is smaller, the difference between the to-be-acquired resource information and the target user resource information is larger, namely, the to-be-acquired resource information is farther from the target user resource information. The current replacement factor to be acquired refers to the replacement factor to be acquired, which is calculated when the user currently recommends the resource information. The target replacement factor to be acquired refers to a replacement factor to be acquired expected by a user, and can be set according to a user definition, and the target replacement factor to be acquired is larger than the current replacement factor to be acquired.

Specifically, the terminal acquires a preset target to-be-acquired replacement factor, wherein the target to-be-acquired replacement factor is larger than a current to-be-acquired replacement factor, and the current to-be-acquired replacement factor is calculated according to the ratio information of the resource information to be acquired and the resource information of the target user. In an embodiment, the terminal calculates the ratio information of the resource information to be acquired and the resource information of the target user to obtain the current replacement factor to be acquired, and simultaneously obtains the set replacement factor to be acquired, for example, an increase value of the replacement factor to be acquired may be preset in the resource information recommendation application, calculates the sum of the current replacement factor to be acquired and the increase value of the replacement factor to be acquired to obtain the replacement factor to be acquired set by the application, and displays the current replacement factor to be acquired and the replacement factor to be acquired set by the application. And then the terminal acquires the adjusted value of the replacement factor to be acquired, which is set by the user for the displayed application, so as to acquire the target replacement factor to be acquired.

And step 210, predicting newly added resources according to the target replacement factor to be obtained, the current replacement factor to be obtained and the target user resource information to obtain newly added resource information to be obtained.

The newly added to-be-acquired resource information refers to resource information which needs to be acquired and is added on the basis of the target to-be-acquired replacement factor.

Specifically, the terminal may calculate a difference between the target replacement factor to be acquired and the current replacement factor to be acquired, and use the difference and the target user resource information to predict the newly added resource, so as to obtain the newly added resource information to be acquired.

Step 212, obtaining a transfer resource increasing factor matched with the time information, obtaining transfer resource information to be recommended based on the transfer resource increasing factor and the newly-increased resource information to be obtained, and pushing and displaying the transfer resource information to be recommended.

The transfer resource newly-increased factor is used for representing the probability which can be increased after the information of the transfer resource to be recommended is transferred. The resource information to be recommended is resource information which is recommended to the user and can be transferred, and the transfer refers to the transfer of the resource information to be recommended to a resource information newly-added product corresponding to the resource transfer increasing factor. The resource information product is a product for acquiring resource information, and different resource information products have different new factors for transferring resources.

Specifically, the terminal acquires a matched resource information newly added product according to the time information, acquires a transfer resource newly added factor of the resource information newly added product, calculates according to newly added to-be-acquired resource information and the transfer resource newly added factor to acquire to-be-recommended transfer resource information, and pushes and displays the to-be-recommended transfer resource information in the resource information recommendation application.

In the resource information recommendation method, user data is acquired, wherein the user data comprises time information, current user resource information and current average resource information; then, the time information, the current user resource information and the current average resource information are used for obtaining resource information to be obtained, the obtained resource information to be obtained can be more accurate, and then a target replacement factor to be obtained is obtained; the method comprises the steps of predicting new resources according to a target replacement factor to be acquired, a current replacement factor to be acquired and target user resource information to obtain new resource information to be acquired, so that the obtained new resource information to be acquired can be more accurate, then acquiring a transfer resource new factor matched with time information, obtaining the transfer resource information to be recommended by using the transfer resource new factor and the new resource information to be acquired, so that the obtained transfer resource information to be recommended is more accurate, and then displaying the transfer resource information to be recommended, so that the situation that a user continuously and repeatedly acquires the recommended transfer resource information to be recommended through a resource information recommendation application due to inaccurate transfer resource information to be recommended can be avoided, and a large amount of computer equipment resources can be occupied due to the fact that the calculation of the transfer resource information to be recommended is continuously and repeatedly performed through the resource information recommendation application, and therefore the resource waste of computer equipment can be reduced on the basis of improving the accuracy of the transfer resource information to be recommended.

In one embodiment, predicting user resource information based on current user resource information to obtain target user resource information matched with time information includes: acquiring a user resource growth factor from a preset configuration file, and calculating new user resources by using current user resource information and the user resource growth factor based on time information to obtain new user resource information; and fusing the newly added user resource information and the current user resource information to obtain target user resource information.

The preset configuration file refers to a preset text of configuration information. The configuration information configures information for resource information recommendation, including but not limited to a user resource growth factor. The user resource growth factor is used for indicating the probability of the user resource information growing. The new user resource information refers to user resource information newly added in the time information.

Specifically, the configuration file may be preset in the resource information recommendation application in the terminal, for example, the preset configuration file may be set in an installation package of the resource information recommendation application, and when the installation package of the resource information recommendation application is downloaded by the terminal to install the resource information recommendation application, the terminal stores the preset configuration file. The preset configuration file can be directly read by the terminal in the preset configuration file every time, so that downloading from the server is not needed every time, and waste of network resources is reduced. In an embodiment, the terminal may also download a preset configuration file from the server for saving when the resource information recommendation application is started. In an embodiment, the terminal may also send a preset configuration file downloading request to the server when detecting that the preset configuration file is needed, and then download the preset configuration file from the server for use.

And then the terminal acquires the user resource increase factor from the preset configuration file, and calculates the newly added user resource in the time information by using the current user resource information and the user resource increase factor to obtain newly added user resource information. And then calculating the sum of the newly added user resource information and the current user resource information to obtain target user resource information. In a specific embodiment, in the financial resource information recommendation application scenario, the current user resource information may be a user monthly income amount at a current age, the user resource increase factor may be a yearly income increase rate, and the target user resource information may be a monthly income amount one year before a retirement age. The terminal reads the annual income growth rate from the preset configuration file and then calculates the user monthly income amount 1 year before retirement using the current user monthly income amount and the annual income growth rate.

In an embodiment, as shown in fig. 3, in step 206, performing resource information prediction to be obtained based on the time information, the current user resource information, and the current average resource information, to obtain resource information to be obtained, includes:

and 302, predicting average resource information based on the current average resource information to obtain target average resource information matched with the time information.

The target average resource information refers to average resource information corresponding to the termination time in the time information, and the average resource information refers to resource information that can be obtained on average.

Specifically, the terminal may calculate the target average resource information corresponding to the termination time in the time information using the current average resource information according to the increase condition of the average resource information in the time information. In a specific embodiment, in the financial resource information recommendation application scenario, the current average resource information may refer to a current monthly average income amount. The resource information to be acquired refers to the monthly pension amount. The target average resource information may refer to an average monthly revenue amount for the previous year of retirement. The income amount refers to income before tax is not paid. The server may calculate the average monthly income amount of the previous year of retirement using the current average monthly income amount and the increase in the average income monthly amount to the retirement age.

And 304, performing resource weight calculation based on the current user resource information and the current average resource information to obtain basic resource weight, and performing weighting calculation by using the target average resource information and the basic resource weight to obtain basic resource information to be obtained.

The basic resource weight refers to a resource weight corresponding to the target average resource information. The basic resource information to be acquired refers to basic resource information that can be acquired in the time information.

Specifically, the terminal calculates user resource information and average resource information corresponding to each time point in the time information by using the current user resource information and the current average resource information, and then calculates the sum of ratios between each corresponding user resource information and average resource information, thereby obtaining the basic resource weight. Then, weighted calculation is carried out by using the target average resource information and the basic resource weight to obtain basic resource information to be acquired

In a specific embodiment, in the application scenario of recommending financial resource information, the basic resource information to be acquired may be basic pension. The terminal uses the current user monthly income amount and the current average monthly income amount to carry out resource weight calculation to obtain the basic pension weight, and then uses the target average income amount and the basic pension weight to carry out weighting calculation to obtain the basic pension. For example, the basic pension can be calculated using formula (1) shown below.

Basic pension = [ c = ₁ *(1+N)]2 n% formula (1)

Wherein N represents the weight of the basic pension, and N is the age difference between the retirement age and the current age. c. C ₁ Is the target average monthly income amount, i.e. the average income amount of the local on Shift working months of the year before retirement.

Step 306, obtaining the current storage resource information, and obtaining the resource storage factor from the preset configuration file.

And 308, calculating newly added storage resources by using the current user resource information and the resource storage factors based on the time information to obtain newly added storage resources, and fusing the newly added storage resource information and the current storage resource information to obtain total storage resource information to be obtained.

The current storage resource information refers to resource information which is currently stored. The resource storage factor is used for representing the growth degree of the storage resource information, and the larger the resource storage factor is, the higher the growth degree of the storage resource information is. The new storage resource is resource information which is newly added on the basis of the current storage resource information in the time information. The total resource information to be acquired and stored refers to the resource information stored after the time information.

Specifically, the terminal acquires the current storage resource information, and can acquire the current storage resource information from a service party providing the resource information storage service through the resource information recommendation application. And then acquiring the resource storage factor from a preset configuration file. And calculating the newly added storage resource in the time information by using the current user resource information and the resource storage factor to obtain a newly added storage resource, and then calculating the sum of the newly added storage resource information and the current storage resource information to obtain total storage resource information to be obtained. In a specific embodiment, the current stored resource information may be a current personal pension balance, and the resource storage factor refers to a billing interest rate of a personal pension account and a total amount of the personal pension to be acquired and stored with the total resource information. And then the terminal acquires the current personal pension balance and the personal pension account billing interest rate from a preset configuration file, calculates the increase amount in the time period from the current age to the retirement age according to the current personal pension balance and the personal pension account billing interest rate, and acquires the total retired personal pension amount according to the increase amount and the current personal pension balance.

And 310, acquiring the resource distribution time number matched with the time information, and calculating the ratio of the total resource information to be acquired to the resource distribution time number to obtain the storage resource information to be acquired.

The resource distribution time number is a time value for distributing the resource information. For example, in a financial application, the number of months for issuing retired pension may be obtained according to the retirement age in the time information. The storage resource information to be acquired refers to the resource information which can be acquired and stored and corresponds to each resource distribution time.

Specifically, the terminal may obtain the resource distribution time number matched with the time information according to the corresponding relationship between the termination time and the resource distribution time number in the time information, and then calculate a ratio of the total resource information to be obtained to the resource distribution time number to obtain the storage resource information to be obtained. In a specific embodiment, in the application scenario of financial resource information recommendation, the ratio of the total amount of the personal pension to the number of months of issued pension is calculated to obtain the personal pension issued each month after the user retires.

And step 312, fusing the basic resource information to be acquired and the storage resource information to be acquired to obtain the resource information to be acquired.

Specifically, the terminal calculates the sum of the basic resource information to be acquired and the storage resource information to be acquired to obtain the resource information to be acquired. In a particular embodiment, in the financial resource information recommendation application scenario, the monthly royalty fund that the user retires may be the sum of the monthly base royalty amount and each of the individual royalty amounts that may be eared.

In the above embodiment, the to-be-acquired storage resource information is obtained by calculating the to-be-acquired total resource information and then calculating the ratio of the to-be-acquired total resource information to the resource distribution time, so that the to-be-acquired storage resource information can be more accurate. And then calculating the information of the storage resources to be acquired, and calculating the sum of the information of the basic resources to be acquired and the information of the storage resources to be acquired, thereby obtaining the information of the resources to be acquired, and enabling the obtained information of the resources to be acquired to be more accurate.

In one embodiment, performing average resource information prediction based on the current average resource information to obtain target average resource information matched with the time information includes: acquiring an average resource growth factor from a preset configuration file, and calculating newly increased average resources by using the current average resource information and the average resource growth factor based on time information to obtain newly increased average resource information; and fusing the newly added average resource information and the current average resource information to obtain target average resource information.

The average resource growth factor refers to the probability of the average resource information growing. The newly added average resource refers to average resource information which is newly added on the basis of the current average resource information in the time information

Specifically, the terminal obtains an average resource growth factor from a preset configuration file, and calculates average resource information newly added when the current average resource information and the average resource growth factor reach the termination time in the time information to obtain newly added average resource information. In a specific embodiment, in a financial resource information recommendation application scenario, an average resource growth factor refers to an average income amount growth rate, a terminal obtains the average income amount growth rate from a preset configuration file, calculates an average income amount newly added in the year before retirement by using the average income amount growth rate and the current average income amount, and then calculates the sum of the newly added average income amount and the current average income amount to obtain the average income amount in the year before retirement.

In one embodiment, as shown in fig. 4, step 304, performing resource weight calculation based on the current user resource information and the current average resource information to obtain a basic resource weight, includes:

step 402, obtaining an average resource growth factor, a user resource growth factor and user resource restriction information from a preset configuration file.

And step 404, calculating user resource information corresponding to each time point in the time information based on the current user resource information and the user resource growth factor.

The user resource restriction information is resource information for restricting user resource information, and may include upper limit user resource information and lower limit user resource information. Each time point refers to each time point from the starting time to the ending time, and may be divided in advance, for example, the time period of the starting time and the ending time is one year, and is 12 time points corresponding to 12 months obtained by dividing according to months.

Specifically, the terminal reads an average resource growth factor, a user resource growth factor and user resource limitation information from a preset configuration file. And then the terminal uses the current user resource information and the user resource increase calculation to obtain the user resource information corresponding to each time point. For example, the time periods of the current year and the final year may be divided by year, and user resource information corresponding to each year in the time periods is calculated.

Step 406, determining specific resource information corresponding to each time point based on the user resource restriction information and the user resource information corresponding to each time point.

The specific resource information is resource information corresponding to each time point obtained by comparing the user resource limitation information with the user resource information.

Specifically, the terminal compares the user resource information corresponding to each time point with the upper limit user resource information and the lower limit user resource information in the user resource restriction information to obtain a comparison result, and then determines specific resource information according to the comparison result, wherein when the user resource information corresponding to the time point is smaller than the lower limit user resource information, the specific resource information corresponding to the time point is the lower limit user resource information. When the user resource information corresponding to the time point is greater than the lower limit user resource information, the specific resource information corresponding to the time point is the upper limit user resource information. And when the user resource information corresponding to the time point is larger than the user resource information and smaller than the upper limit used for the resource information, directly taking the user resource information corresponding to the time point as the specific resource information corresponding to the time point.

And step 408, calculating average resource information corresponding to each time point in the time information based on the current average resource information and the average resource growth factor.

The average resource information corresponding to each time point refers to the average resource information corresponding to each divided time point in the time information.

Specifically, the terminal may calculate an average resource growth factor corresponding to each time point according to the average resource growth factor, and then calculate a product of the average resource growth factors corresponding to each time point by using the current average resource information, to obtain average resource information corresponding to each time point in the time information.

Step 410, calculating the ratio of the specific resource information corresponding to each time point to the average resource information corresponding to each time point to obtain the resource weight corresponding to each time point.

Step 412, obtaining the number of time points in the time information, and determining the basic resource weight based on the resource weight and the number of time points corresponding to each time point.

Specifically, the terminal calculates a ratio of specific resource information corresponding to each time point to average resource information, and obtains a resource weight corresponding to each time point. Then, the number of time points at each time point is obtained, the resource weights corresponding to each time point are added to obtain a resource weight sum, and then the ratio of the resource weight sum to the number of the time points is calculated to obtain an average resource weight, namely the average resource weight is used as a basic resource weight.

In a particular embodiment, in the context of a financial resource information recommendation application, the underlying resource weight may be calculated using equation (2) as shown below,

where n represents the retirement age minus the current age. c. C ₁ ,c ₂ ,...,c _n Respectively representing the average income amount of the working month currently on duty 1 year, 2 years and up to n years before retirement. a is ₁ ,a ₂ ,...,a _n Respectively representing the base numbers of the social security payment income amount 1 year, 2 years and up to n years before retirement. Wherein, c _j ＝c _n *(1+avg_wage_growth) ^n-j The average monthly income amount of local on Shift workers j years before retirement is shown, and avg _ way _ growth shows the average income amount increase rate of the on Shift workers in year, which can be set by self-definition, for example, 5%. Then use b _j ＝b _n *(1+wage_growth) ^n-j Calculating the monthly income amount of the user j years before retirement, wherein b ₁ ,b ₂ ,...,b _n Respectively representing the monthly income amounts of the users 1 year, 2 years and up to n years before retirement, and the way _ growth represents the annual growth rate of the income amounts. When b is _j Less than the lower limit of the base number of the social security payment income amount, a _j And (4) a lower limit of the base number of the social security payment income amount. When b is _j A is greater than the upper limit of the base number of the social security payment income amount _j The base upper limit of the amount of the social security payment is set when b _j At the upper limit of the cardinal number of the social security payment income sum and the social security payment income sumBetween the lower limits of the cardinality, a _j Is equal to b _j The values of (a) are the same. The social security payment income amount base upper limit and the social security payment income amount base lower limit can be set in a self-defined mode, for example, the social security payment income amount base upper limit can be 3 times of the income amount of the user in the month, and the social security payment income amount base lower limit can be 60% of the income amount of the user. The terminal may then use the monthly base pension for the user as calculated by equation (1) as shown above.

In the above embodiment, the average resource increase factor, the user resource increase factor, and the user resource restriction information are obtained from the preset configuration file. Calculating user resource information corresponding to each time point in the time information by using the current user resource information and the user resource growth factor, calculating average resource information corresponding to each time point in the time information based on the current average resource information and the average resource growth factor, and calculating the ratio of the specific resource information corresponding to each time point to the average resource information corresponding to each time point to obtain the resource weight corresponding to each time point. And then, carrying out average calculation based on the resource weight corresponding to each time point and the number of the time points to obtain the basic resource weight, so that the obtained basic resource weight is more accurate.

In one embodiment, historical time information is also included in the user data;

as shown in fig. 5, step 306, acquiring current storage resource information, including:

step 502, obtaining a user resource growth factor, user resource restriction information and a resource storage factor from a preset configuration file.

Step 504, historical user resource information corresponding to each historical time point in the historical time information is calculated based on the current user resource information and the user resource growth factor.

The historical time information refers to a time period when the storage resource information is acquired historically, and may be a time period before the time information and connected with the time information. For example, it may be a working year, for example, 3 years.

Specifically, when acquiring the current storage resource information, the terminal may first read the user resource growth factor, the user resource restriction information, and the resource storage factor from the preset configuration file. And then, the terminal is used for obtaining historical user resource information corresponding to each historical time point by using the current user resource information and user resource increase calculation. For example, the product of the current user resource information and the user resource growth may be calculated to obtain the increased resource information, and then the current user resource information is used to subtract the increased resource information to obtain the historical user resource information.

Step 506, obtaining the user resource restriction information, and determining historical specific resource information corresponding to each historical time point based on the user resource restriction information and the historical user resource information corresponding to each historical time point.

The historical specific resource information refers to resource information corresponding to each historical time point obtained by comparing the user resource limitation information with the historical user resource information.

Specifically, the terminal compares the historical user resource information corresponding to each historical time point with the upper limit user resource information and the lower limit user resource information in the user resource limiting information to obtain a comparison result, and then determines the historical specific resource information according to the comparison result, wherein when the historical user resource information corresponding to the historical time point is less than the lower limit user resource information, the historical specific resource information corresponding to the historical time point is the lower limit user resource information. And when the historical user resource information corresponding to the historical time point is greater than the lower limit user resource information, the historical specific resource information corresponding to the historical time point is the upper limit user resource information. And when the historical user resource information corresponding to the historical time point is greater than the user resource information and less than the upper limit user resource information, directly taking the historical user resource information corresponding to the historical time point as the historical specific resource information corresponding to the historical time point.

And step 508, calculating historical storage resource information based on the historical specific resource information and the resource storage factors corresponding to the historical time points to obtain historical storage resources, and obtaining current storage resource information based on the historical storage resources.

Specifically, the server calculates the product of the history specific resource information and the resource storage factor corresponding to each history time point, then obtains the storage resource corresponding to each history time point, then calculates the sum of the storage resources corresponding to each history time point, obtains the history storage resource, and can use the history storage resource as the current storage resource information.

In a specific embodiment, in the application scenario of recommending financial resource information, the historical storage resource, that is, the current personal endowment amount, can be calculated by using the following formula (3).

Wherein A is _i And representing the base number of the social insurance payment income corresponding to the ith year in the historical time information. return2 refers to the personal pension account billing interest rate. m means the working life. A. The ₁ ,A ₂ ,...,A _m Respectively representing the base numbers of the social security payment income amount from 1 year to m years of work. B is ₁ ＝B _m *(1+wage_growth) ^i-1 The monthly income amount of the 1 st year of work is indicated, and the monthly income amount of the mth year of work, that is, the current monthly income amount, is indicated. B is _m The way _ growth represents an annual growth rate of the income amount. B _i ＝B ₁ *(1+wage_growth) ^i-1 Indicating the amount of monthly income corresponding to the ith year of work. When B is present _i Less than the lower limit of the base number of the social security payment income amount, A _i And (4) providing a lower limit of the social security payment income amount base number. When B is present _i When the amount of the social security payment income is larger than the upper limit of the cardinal number of the social security payment income, A _i The base upper limit of the social security payment income amount is worked out when B _i When the social security payment income basic number upper limit and the social security payment income basic number lower limit are between, A _i The value of (A) is equal to B _i The values of (a) are the same. The historical storage resource can then be directly used as the current storage resource information.

In a specific embodiment, in the application scenario of recommending financial resource information, the stored resource information to be obtained, i.e. the personal pension,

wherein, the first and the second end of the pipe are connected with each other,

indicating the calculated current amount of personal endowment,

the calculated additional personal pension amount is expressed, and then the expected user pension is obtained by calculating the sum of the personal pension and the basic pension.

In the above embodiment, the historical storage resource information is obtained by performing historical storage resource information calculation based on the historical specific resource information and the resource storage factor corresponding to each historical time point, and the current storage resource information is obtained based on the historical storage resource, so that the obtained current storage resource information can be more accurate.

In one embodiment, the information of the transfer resource to be recommended comprises information of a starting transfer resource and information of a fixed transfer resource. As shown in fig. 6, in step 212, obtaining the information of the transfer resource to be recommended based on the transfer resource addition factor and the information of the resource to be obtained newly added includes:

step 602, obtaining the initial transfer resource information, and performing resource information calculation based on the initial transfer resource information and the transfer resource increasing factor to obtain the initial increased resource information.

The resource information to be transferred initially refers to resource information to be transferred for the first time. The fixed transfer resource information refers to resource information that needs to be fixedly transferred each time after the transfer of the transfer resource information is started. The initial newly added resource information refers to resource information that can be added after the transfer is performed by the initial transfer resource information. The transfer resource addition factor refers to the probability of the increase of the transferred resource information.

Specifically, the terminal acquires the initial transfer resource information, may acquire the initial transfer resource information configured by the server from a preset configuration file, and may also acquire the initial transfer resource information input by the user through the resource information recommendation application. And then calculating the product of the initial transfer resource information and the transfer resource newly-increased factor to obtain initial newly-increased resource information.

Step 604, calculating the difference between the newly added resource information to be acquired and the initially newly added resource information to obtain the fixed resource information to be acquired.

Step 606, obtaining the fixed transfer resource information based on the ratio information of the fixed resource information to be obtained and the transfer resource increasing factor.

The fixed resource information to be acquired refers to resource information to be acquired after the fixed transfer resource information is transferred.

Specifically, the terminal calculates the difference between the newly added to-be-acquired resource information and the initial newly added resource information to obtain the fixed to-be-acquired resource information. And then calculating the ratio of the fixed resource information to be acquired and the transfer resource newly-increased factor to obtain fixed transfer resource information, and finally recommending the fixed transfer resource information and the initial transfer resource information to the user.

In an embodiment, the user may adjust the initial transfer resource information, and the terminal obtains the adjusted initial transfer resource information, recalculates the obtained new fixed transfer resource information, and displays the new fixed transfer resource information to the user.

In a specific embodiment, in the application scenario of recommending financial resource information, the initial transfer resource information may be an initial investment amount to be recommended, and the fixed transfer resource information may be a fixed investment amount to be recommended. When the initial investment amount to be recommended is acquired, the fixed investment amount to be recommended may be calculated using the following formula (5).

Wherein, the amt _ year represents the amount of money to be recommended for the fixed investment per year, cost _sum Indicating the pension gap amount. invent _ first tableAnd showing the initial amount to be recommended. return1 indicates the expected annual rate of return, and different fund products have different annual rates, and in this example, three portfolio funds are included, with the first portfolio fund having an expected annual rate of 8.7%, the second portfolio fund having an expected annual rate of 9.5%, and the third portfolio having an expected annual rate of 10.2%. Then, the monthly fixed investment amount to be recommended can be calculated by the annual fixed investment amount to be recommended, namely, the monthly fixed investment amount to be recommended is calculated by using the amt _ month = amt _ year/12. The terminal can also calculate the amount of the fixed investment to be recommended every half month. Namely, the amount of the fixed investment to be recommended is calculated to be obtained every half month by using the amt _ month = amt _ year/24.

In the above embodiment, the initial transfer resource information is obtained, the resource information is calculated based on the initial transfer resource information and the transfer resource increasing factor to obtain the initial increased resource information, and the difference between the newly-increased resource information to be obtained and the initial increased resource information is calculated to obtain the fixed resource information to be obtained. The fixed transfer resource information is obtained based on the ratio information of the fixed resource information to be obtained and the transfer resource newly-increased factor, namely the fixed transfer resource information can be calculated according to the initial transfer resource information input by the user and then displayed, so that the interactivity between the terminal and the user is improved, and the problem that the user cannot interact with the transfer resource information is solved.

In one embodiment, the information of the transfer resource to be recommended comprises information of an initial transfer resource and information of a fixed transfer resource;

as shown in fig. 7, in step 212, obtaining the information of the transfer resource to be recommended based on the transfer resource addition factor and the information of the resource to be obtained newly added includes:

step 702, acquiring the fixed transfer resource information, and performing resource information calculation based on the fixed transfer resource information and the transfer resource addition factor to obtain the fixed addition resource information.

The fixed newly added resource information refers to resource information that can be acquired after the transfer is performed by using the fixed transfer resource information.

Specifically, the terminal may also obtain the fixed transfer resource information from a preset configuration file, and the terminal may also obtain the fixed transfer resource information input by the user through the resource information recommendation application. The terminal can also acquire the fixed transfer resource information from the server. And then calculating the product of the fixed transfer resource information and the transfer resource newly-increased factor to obtain the fixed newly-increased resource information.

Step 704, calculating the difference between the newly added resource information to be acquired and the fixedly added resource information to obtain the initial resource information to be acquired.

Step 706, obtaining the initial transfer resource information based on the ratio information of the initial to-be-obtained resource information and the transfer resource addition factor.

The starting to-be-acquired resource information means that the resource information which needs to be acquired by starting to transfer the resource information is.

Specifically, the server calculates the difference between the newly-added resource information to be acquired and the fixedly-added resource information to obtain initial resource information to be acquired, then calculates the proportion information of the initial resource information to be acquired and the newly-added factors of the transfer resources to obtain initial transfer resource information, and then displays the initial transfer resource information and the fixedly-added resource information through resource information recommendation application. In one embodiment, the user may adjust the fixed transfer resource information, and the terminal obtains the adjusted fixed transfer resource information, recalculates the obtained new initial transfer resource information, and displays the new initial transfer resource information to the user.

In a specific embodiment, in the application scenario of recommending financial resource information, the initial transfer resource information may be an initial investment amount to be recommended, and the fixed transfer resource information may be a fixed investment amount to be recommended. When the fixed investment amount to be recommended is acquired, the initial investment amount to be recommended may be calculated using the following formula (6).

Wherein, the amt-year represents the amount of the fixed investment to be recommended each year,cost _sum indicating the amount of pension gap. invent _ first represents the initial investment amount to be recommended, and return1 represents the annual rate.

In the above embodiment, the fixed newly added resource information is obtained by obtaining the fixed transfer resource information and calculating the difference between the newly added resource information to be obtained and the fixed newly added resource information, so as to obtain the initial resource information to be obtained. The initial transfer resource information is obtained based on the initial resource information to be obtained and the proportion information of the transfer resource newly-increased factor, so that the obtained initial transfer resource information can be more accurate, the initial transfer resource information is obtained by obtaining the fixed transfer resource information input by the user, the personalized requirements of the user can be better met, the calculation is carried out at the front end, the interaction with the server is avoided, and the problem that the network resource and the server resource are wasted because the user continuously interacts with the server when the user continuously updates the requirements is solved.

In an embodiment, as shown in fig. 8, after step 210, that is, after performing new resource prediction according to the target replacement factor to be acquired, the current replacement factor to be acquired, and the target user resource information to obtain new resource information to be acquired, the method further includes:

step 802, obtaining a resource attenuation factor from a preset configuration file, and calculating attenuation resource information based on the time information, the resource information to be obtained and the resource attenuation factor to obtain the attenuation resource information.

And step 804, calculating the difference between the newly added resource information to be acquired and the attenuation resource information to obtain the essential resource information to be acquired.

Wherein the resource attenuation factor is used for representing the probability of the attenuation of the resource information along with the time. The fading resource information refers to resource information that decreases by the termination time of the time information. The resource information to be substantially acquired means resource information that can be substantially acquired by the time information expiration time.

Specifically, the terminal may read the resource attenuation factor from the preset configuration file, and then calculate a product of the resource attenuation factor and the time information and the resource information to be acquired to obtain the attenuated resource information. And calculating the difference between the newly added resource information to be acquired and the attenuation resource information to obtain the essential resource information to be acquired.

Step 212, acquiring a transfer resource addition factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource addition factor and the resource information to be acquired newly, including:

step 806, obtaining a transfer resource addition factor matched with the time information, and obtaining target to-be-recommended transfer resource information based on the transfer resource addition factor and the substantial to-be-obtained resource information.

The target to-be-recommended transfer resource information refers to-be-recommended transfer resource information obtained by calculation by using the substantial to-be-acquired resource information.

Specifically, the terminal may calculate the target to-be-recommended transfer resource information by using the substantial to-be-acquired resource information and the transfer resource addition factor, that is, calculate the target initial transfer resource information and the target fixed transfer resource information by using the substantial to-be-acquired resource information and the transfer resource addition factor. In a specific embodiment, the terminal may obtain the matched fund product according to the time information, and match the retirement age in the time information with the target date corresponding to the fund product to obtain the expected annual profit rate corresponding to the fund product. And when the year difference value between the year corresponding to the target date and the retirement age is minimum and the year corresponding to the target date is less than or equal to the retirement age, the fund product corresponding to the target date is a fund product matched with the time information, and the expected annual profit rate of the fund product is obtained, namely the transfer resource newly-increased factor matched with the time is obtained. And then obtaining target to-be-recommended transfer resource information based on the transfer resource addition factor and the substantial to-be-acquired resource information.

In a specific embodiment, in the application scenario of recommending financial resource information, the information of the newly added resource to be acquired may be calculated by using the following formula (7).

cost _sum ＝(r ₂ -r ₁ )*b ₁ * mons formula (7)

Wherein, cost _sum Indicates the total amount of pension gap, r ₂ Representing the target amount of endowment substitution, r representing the current amount of endowment substitution, b ₁ Representing the amount of monthly income one year prior to retirement. mons indicates the number of months of pension release. The actual pension gap total can then be calculated using equation (8) as shown below.

gap _sum ＝cost _sum -pension*(1+inf lation_fate) ⁿ Formula (8)

Wherein, gap _sum Representing the real pension gap total. pension represents the amount of endowment, nflation _ date represents the expected annual general inflation rate, and n is the age difference between the retirement age and the current age.

In a specific embodiment, the current amount corresponding to the resource information to be acquired, that is, the amount of retirement pension, may be calculated, for example, using the following formula (9).

Wherein, the version _ cv represents the current amount corresponding to the retirement pension amount.

In the embodiment, the attenuation resource information is obtained by obtaining the resource attenuation factor from the preset configuration file and calculating, then, the difference between the newly-added resource information to be obtained and the attenuation resource information is calculated to obtain the substantial resource information to be obtained, and the substantial resource information to be obtained is used for recommendation, that is, the target resource information to be recommended is obtained by calculation, so that the obtained target resource information to be recommended can be more accurate.

In one embodiment, after the pushing and displaying of the information of the transfer resource to be recommended, the method further includes: and storing the user data, the target replacement factor to be obtained, the current replacement factor to be obtained, the newly-added resource information to be obtained and the to-be-recommended transfer resource information in a server in an associated manner.

Specifically, when the information of the transfer resource to be recommended is obtained by calculation and displayed by the terminal, the user data, the target replacement factor to be acquired, the current replacement factor to be acquired, the newly-added information of the transfer resource to be recommended and the information of the transfer resource to be recommended can be sent to the server, the user data comprises a user identifier, and the user identifier is used for uniquely identifying the user. The server stores the user data and the target replacement factor to be acquired, the current replacement factor to be acquired, the newly-added resource information to be acquired and the to-be-recommended transfer resource information in an associated manner, so that the subsequent user can conveniently search and adjust the user data, and the user can conveniently use the user data.

In an embodiment, the user data, the target replacement factor to be acquired, the current replacement factor to be acquired, the newly-added resource information to be acquired, and the resource information to be recommended to be transferred may also be stored in association with the block chain, that is, the server may be a node on the block chain, which may ensure that the data is not tampered, and improve the security.

In a specific embodiment, in the application scenario of recommending financial resource information, the replacement factor to be acquired may be a pension replacement rate, which is a ratio between a pension amount earning level when a worker retires and a pre-retirement income amount level. The current replacement factor to be obtained refers to the calculated replacement rate of the current pension. The target to-be-acquired replacement factor refers to a target pension replacement rate expected by a user. The terminal obtains the pension replacement rate expected by the user, and the pension replacement rate input by the user can be obtained through a pension replacement rate adjustment page and is used as the target pension replacement rate. The newly-added resource information to be acquired refers to the amount of endowment money which is still lacked in the case of the target endowment money substitution rate. The terminal can acquire the number of endowment fund issuing months corresponding to the retirement age of the user, then calculate the difference between the target endowment fund substitution rate and the current endowment fund substitution rate, and calculate the amount of the lacking endowment money by using the difference, the monthly income amount of the previous year of retirement and the number of endowment fund issuing months. The resource information product may be a fund product, and the transfer resource addition factor may be an expected annual benefit rate of the fund product. The information of the transfer resource to be recommended refers to the investment amount to be recommended. The method comprises the steps that a terminal obtains matched fund products according to time information, obtains expected annual benefit rate of the fund products, then calculates investment amount by using the lacking endowment amount and the expected annual benefit rate to obtain investment amount to be recommended, then recommends the investment amount to be recommended to a user, and meanwhile, user data including the current age, the retirement age, the current monthly income amount, the average monthly income amount, the working years, the target endowment alternative rate, the current endowment alternative rate and the investment amount to be recommended can be stored in a server in a correlated mode. In one embodiment, as shown in fig. 9, after storing the user data in association with the target replacement factor to be acquired, the current replacement factor to be acquired, the resource information to be newly added and the resource information to be recommended to be transferred in the server, the method further includes:

step 902, receiving a to-be-recommended transfer resource information display instruction, and acquiring a target to-be-acquired replacement factor, a current to-be-acquired replacement factor, newly-added to-be-acquired resource information and to-be-recommended transfer resource information from a server according to the to-be-recommended transfer resource information display instruction.

Specifically, when a user needs to check the information of the to-be-recommended transfer resource after a period of time, the terminal receives a display instruction of the to-be-recommended transfer resource information through the resource information recommendation application, then the display instruction of the to-be-recommended transfer resource information is sent to the server, then the server finds the target to-be-acquired replacement factor, the current to-be-acquired replacement factor, the newly-added to-be-acquired resource information and the information of the to-be-recommended transfer resource according to the user identifier in the display instruction of the to-be-recommended transfer resource information, the server returns the target to-be-acquired replacement factor, the current to-be-acquired replacement factor, the newly-added to-be-acquired resource information and the information of the to-be-recommended transfer resource to the terminal, and the terminal acquires the target to-be-acquired replacement factor, the current to-acquired replacement factor, the newly-added to-acquired resource information and the information of the to-be-recommended transfer resource returned by the server.

And 904, acquiring the current transfer resource information, and calculating the acquired resource information based on the current transfer resource information and the transfer resource addition factor to obtain the acquired resource information.

The current transfer resource information refers to resource information which is transferred currently. The acquired resource information refers to resource information that has been acquired on the basis of the current transfer resource information.

Specifically, when the terminal transfers the resource information according to the resource information to be recommended, the transferred resource information is recorded, and the recording result is stored in the memory. Then, when the resource information needs to be displayed, the terminal can acquire the current transferred resource information from the record stored in the memory. And then, calculating the acquired resource information by using the current transferred resource information and the transferred resource newly-increased factor to obtain the acquired resource information.

Step 906, calculating the difference between the newly added resource information to be acquired and the acquired resource information to obtain the target resource information to be acquired.

And 908, calculating the replacement factor to be acquired based on the replacement factor to be acquired of the target and the resource information to be acquired of the target, so as to obtain the replacement factor to be acquired in the middle.

The target resource information to be acquired refers to resource information which needs to be acquired. The intermediate replacement factor to be obtained is a replacement factor to be obtained between the target replacement factor to be obtained and the current replacement factor to be obtained, and is used for representing the replacement factor to be obtained during display.

Specifically, the server calculates the difference between the newly-added resource information to be acquired and the acquired resource information to obtain the target resource information to be acquired. And calculating the replacement factor to be acquired based on the replacement factor to be acquired of the target and the resource information to be acquired of the target to obtain the replacement factor to be acquired in the middle.

Step 910, displaying the target resource information to be acquired, the acquired resource information, the target replacement factor to be acquired, the intermediate replacement factor to be acquired, and the information of the transfer resource to be recommended.

Specifically, the terminal displays the target to-be-acquired resource information, the target to-be-acquired replacement factor, the intermediate to-be-acquired replacement factor and the to-be-recommended transfer resource information through a resource information display page.

In a specific embodiment, in the application scenario of recommending financial resource information, when the user needs to view the pension investment plan, the latest pension gap calculated by using the following formula (10) is used.

gap _new ＝cost _sum User's holding amount (++ 1 return 1) ⁿ Formula (10)

Wherein, gap _new Indicating the latest pension gap. The blessing amount of the user means that the user has invested money in the fund invested by the current pension. The latest pension replacement rate can then be calculated using equation (11) shown below.

Wherein r is _new Representing the latest pension replacement rate. And then displaying the latest pension gap, the latest pension substitution rate and the target pension substitution rate.

In the embodiment, the intermediate to-be-acquired replacement factor and the target to-be-acquired resource information are obtained through real-time calculation, and the target to-be-acquired resource information, the target to-be-acquired replacement factor, the intermediate to-be-acquired replacement factor and the to-be-recommended transfer resource information are displayed, so that a user can know the latest resource information transfer condition in real time, and the use by the user is facilitated.

In a specific embodiment, as shown in fig. 10, a resource information recommendation method is provided, which specifically includes the following steps:

step 1002, obtaining user data, wherein the user data comprises time information, current user resource information and current average resource information;

step 1004, acquiring a user resource growth factor from a preset configuration file, and calculating new user resources by using the current user resource information and the user resource growth factor based on time information to obtain new user resource information; and fusing the newly added user resource information and the current user resource information to obtain target user resource information.

Step 1006, performing average resource information prediction based on the current average resource information to obtain target average resource information matched with the time information, performing resource weight calculation based on the current user resource information and the current average resource information to obtain basic resource weight, and performing weighting calculation using the target average resource information and the basic resource weight to obtain basic resource information to be obtained.

And 1008, acquiring current storage resource information, acquiring a resource storage factor from a preset configuration file, calculating a newly added storage resource by using the current user resource information and the resource storage factor based on the time information to obtain a newly added storage resource, and fusing the newly added storage resource information and the current storage resource information to obtain total storage resource information to be acquired.

Step 1010, acquiring the resource distribution time number matched with the time information, calculating the ratio of the total resource information to be acquired to the resource distribution time number to obtain the storage resource information to be acquired, and fusing the basic resource information to be acquired and the storage resource information to be acquired to obtain the resource information to be acquired.

Step 1012, acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than the current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the ratio information of the resource information to be acquired and the resource information of the target user; and predicting newly added resources according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain newly added resource information to be acquired.

And 1014, acquiring a transfer resource newly-increased factor matched with the time information and acquiring fixed transfer resource information, and calculating resource information based on the fixed transfer resource information and the transfer resource newly-increased factor to obtain the fixed newly-increased resource information.

Step 1016, calculating the difference between the newly added resource information to be obtained and the fixedly added resource information to obtain the initial resource information to be obtained; and obtaining initial transfer resource information based on the initial resource information to be obtained and the proportion information of the transfer resource newly-increased factors, and pushing and displaying the transfer resource information to be recommended.

The application also provides an application scene, and the resource information recommendation method is applied to the application scene. In particular, the amount of the solvent to be used,

the method is applied to network resource information recommendation application, and the terminal obtains user data through the network resource information recommendation application, wherein the user data comprises time information, flow required by current video browsing and flow required by current average video browsing; predicting user resource information based on the flow required by the current browsed video to obtain the flow required by the browsed video at the target time matched with the time information; and predicting the required network flow based on the time information, the flow required by the current video browsing and the flow required by the target time video browsing to obtain the network flow to be acquired. Acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than a current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the network flow to be acquired and the proportion information of the flow required by browsing the video at the target time; and predicting newly added resources according to the target replacement factor to be obtained, the current replacement factor to be obtained and the flow required by browsing the video at the target time to obtain the newly added network flow required to be obtained. The terminal acquires a transfer resource increasing factor matched with the time information, and acquires the network traffic package cost to be recommended based on the transfer resource increasing factor and newly-increased network traffic required to be acquired; the network traffic package cost to be recommended is pushed and displayed, so that the network traffic required by a user for browsing the audio and video after time information can be met.

The application also provides an application scenario, and the resource information recommendation method is applied to the application scenario. In particular, the amount of the solvent to be used,

fig. 11 is a schematic flowchart of a resource information recommendation method. Specifically, the method comprises the following steps: when a user logs in the financial resource information recommendation application through a terminal to perform pension recommendation, the user data is input through a user data acquisition page, and as shown in fig. 12, a schematic diagram of the user data acquisition page is obtained. When a user data acquisition page clicks an analysis start button to recommend an aging investment scheme, the terminal acquires the current age of 30 years, the retirement age of 60 years and the working life of 5 years which are input by the user through the user data acquisition page, the location is Guangdong province, and the income of a month before tax is 30000 yuan, so that the user data are obtained. And then the terminal jumps to an investment scheme customization page as shown in fig. 13, calculates the investment scheme, namely the terminal performs local pension analysis firstly, namely average income of the Guangdong province and the like, calculates basic pension and calculates personal pension so as to obtain user pension, and calculates the pension substitution rate according to the user pension. And then obtaining the adjusted pension gold substitution rate, calculating to obtain the pension gold substitution rate according to the calculated pension gold substitution rate and the adjusted pension gold substitution rate to obtain a pension gold notch, and further calculating to obtain a real pension gold notch. And then calculating the retired years according to the current age of the user and the selected retired age, further matching the most suitable target date fund combination product from the target date fund combination products, and calculating the first investment amount and the fixed investment amount according to the real pension gap. And then the terminal jumps to a scheme display page shown in figure 14 to perform recommendation display on the pension substitution rate, the adjusted pension substitution rate, the real pension gap, the first investment amount and the fixed investment amount which are calculated, and simultaneously sends the displayed information to a server for storage. The user can adjust the target pension substitution rate through the scheme display page, and the terminal recalculates the pension gap, the initial investment amount and the fixed investment amount of the information by using the adjusted target pension substitution rate and displays the calculated values. The user can also adjust the investment object, i.e. the fund product, and the user can also adjust the first investment amount and the fixed investment amount. Then, the user can invest according to the recommended first investment amount and the fixed investment amount by clicking a button for opening the endowment plan, i.e., the terminal jumps to an investment page as shown in fig. 15 to invest. After a period of time, when the user views the investment plan, the terminal acquires the first investment amount and the fixed investment amount from the server, then calculates the latest pension gap and the latest pension substitution rate, and then displays the latest pension gap and the latest pension substitution rate through an investment information display page as shown in fig. 16.

In one embodiment, as shown in fig. 17, a resource information recommendation system is provided, which specifically includes: a terminal 1702 and a server 1704 that, among other things,

the terminal 1702 is configured to obtain user data from a user data obtaining page, where the user data includes time information, current user resource information, and current average resource information; predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information; predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired; acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than the current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user; predicting newly added resources according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain newly added resource information to be acquired; acquiring a transfer resource newly-increased factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource newly-increased factor and newly-increased resource information to be acquired; displaying the information of the resources to be recommended and transferred through a resource transfer page, and sending the user data and the information of the resources to be recommended and transferred to a server;

the server 1704 is configured to obtain the user data and the information of the to-be-recommended transfer resource, and store the user data and the information of the to-be-recommended transfer resource in an associated manner.

Specifically, the terminal in the resource recommendation system is configured to implement the steps in the above-mentioned method embodiments when executed. The server is used for acquiring the user data and the information of the transfer resources to be recommended and storing the user data and the information of the transfer resources to be recommended in a correlation mode. In one embodiment, when the server receives a to-be-recommended transfer resource information display instruction sent by the terminal, the target to-be-acquired replacement factor, the current to-be-acquired replacement factor, the newly-added to-be-acquired resource information and the to-be-recommended transfer resource information are sent to the terminal, and the terminal receives and displays the target to-be-acquired replacement factor, the current to-be-acquired replacement factor, the newly-added to-be-acquired resource information and the to-be-recommended transfer resource information. In an embodiment, the server is further configured to acquire the target to-be-acquired resource information, the target to-be-acquired replacement factor, the intermediate to-be-acquired replacement factor, and the to-be-recommended transfer resource information sent by the terminal, and store the user data in association with the target to-be-acquired resource information, the target to-be-acquired replacement factor, the intermediate to-be-acquired replacement factor, and the to-be-recommended transfer resource information. In one embodiment, the server may send the preset configuration file to the terminal in advance, and the terminal stores the preset registration file. In one embodiment, the terminal may also read various information in the preset registration file from the server, and then perform the corresponding steps.

In an embodiment, the terminal 1702 is further configured to receive, through the resource transfer page, a transfer instruction of the resource information to be recommended, and send a resource transfer request to the server according to the transfer instruction.

The server 1704 is further configured to receive the resource transfer request, and transfer resource information according to the resource transfer request and the resource information to be recommended.

The resource transfer page refers to a page for transferring information of the resource to be recommended. The resource transfer request refers to a request for transferring the information of the resource to be recommended.

Specifically, the terminal may transfer the resource information to be recommended through a resource transfer page in the resource information recommendation application. The terminal receives a transfer instruction of resource information to be recommended through the resource transfer page, sends a resource transfer request to the server according to the transfer instruction, and transfers the resource information according to the resource transfer request and the resource information to be recommended when the server receives the resource transfer request. For example, the user may invest according to the recommended initial investment amount and the fixed investment amount through the endowment investment page in the terminal, that is, the endowment investment page of the terminal receives the investment instruction, and when the server receives the investment instruction, the server pays to the corresponding fund product according to the initial investment amount and the fixed investment amount.

In the resource information recommendation system, user data is acquired from a user data acquisition page through a terminal, wherein the user data comprises time information, current user resource information and current average resource information; predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information; predicting the resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain the resource information to be acquired; acquiring a target to-be-acquired replacement factor, wherein the target to-be-acquired replacement factor is larger than a current to-be-acquired replacement factor, and the current to-be-acquired replacement factor is calculated according to the ratio information of the resource information to be acquired and the resource information of a target user; predicting newly added resources according to the target replacement factor to be acquired, the current replacement factor to be acquired and the target user resource information to obtain newly added resource information to be acquired; acquiring a transfer resource newly-increased factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource newly-increased factor and newly-increased resource information to be acquired; the resource information to be recommended and transferred is displayed through a resource transfer page, the user data and the resource information to be recommended and transferred are sent to a server, the server obtains the user data and the resource information to be recommended and transferred, the user data and the resource information to be recommended and transferred are stored in a correlated mode, namely calculation is carried out in a terminal to obtain the resource information to be recommended and the server is only used for storing the user data and the resource information to be recommended and transferred, therefore, multiple interactions between the terminal and the server are avoided, and network resources are saved.

It should be understood that although the various steps in the flow diagrams of fig. 2-11 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not limited to being performed in the exact order illustrated and, unless explicitly stated herein, may be performed in other orders. Moreover, at least some of the steps in fig. 2-11 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed in turn or alternately with other steps or at least some of the other steps.

In one embodiment, as shown in fig. 18, there is provided a resource information recommendation apparatus 1800, which may be a part of a computer device by using a software module or a hardware module, or a combination of the two modules, and specifically includes: a data obtaining module 1802, a target information obtaining module 1804, an information to be obtained obtaining module 1806, a factor obtaining module 1808, a new information obtaining module 1810, an information to be recommended obtaining module 1812, and an information to be recommended displaying module 1814, wherein:

a data obtaining module 1802, configured to obtain user data, where the user data includes time information, current user resource information, and current average resource information;

a target information obtaining module 1804, configured to perform user resource information prediction based on the current user resource information, so as to obtain target user resource information matched with the time information;

an information to be acquired obtaining module 1806, configured to perform resource information to be acquired prediction based on the time information, the current user resource information, and the current average resource information, to obtain resource information to be acquired;

a factor obtaining module 1808, configured to obtain a target replacement factor to be obtained, where the target replacement factor to be obtained is greater than a current replacement factor to be obtained, and the current replacement factor to be obtained is obtained by calculation according to ratio information of resource information to be obtained and resource information of a target user;

a newly added information obtaining module 1810, configured to perform newly added resource prediction according to the target replacement factor to be obtained, the current replacement factor to be obtained, and the target user resource information, so as to obtain newly added resource information to be obtained;

a to-be-recommended information obtaining module 1812, configured to obtain a transfer resource addition factor matched with the time information, and obtain to-be-recommended transfer resource information based on the transfer resource addition factor and resource information to be obtained by addition;

the information to be recommended displaying module 1814 is configured to push and display the information of the transfer resource to be recommended.

In an embodiment, the target information obtaining module 1804 is further configured to obtain a user resource growth factor from a preset configuration file, and perform new user resource calculation by using the current user resource information and the user resource growth factor based on the time information to obtain new user resource information; and fusing the newly added user resource information and the current user resource information to obtain target user resource information.

In an embodiment, the to-be-acquired information obtaining module 1806 is further configured to perform average resource information prediction based on the current average resource information, so as to obtain target average resource information matched with the time information; performing resource weight calculation based on the current user resource information and the current average resource information to obtain basic resource weight, and performing weighting calculation by using the target average resource information and the basic resource weight to obtain basic resource information to be obtained; acquiring current storage resource information, and acquiring resource storage factors from a preset configuration file; calculating newly added storage resources by using the current user resource information and the resource storage factors based on the time information to obtain newly added storage resources, and fusing the newly added storage resource information and the current storage resource information to obtain total storage resource information to be obtained; acquiring the resource distribution time number matched with the time information, and calculating the ratio of the total resource information to be acquired to the resource distribution time number to obtain the storage resource information to be acquired; and fusing the basic resource information to be acquired and the storage resource information to be acquired to obtain the resource information to be acquired.

In an embodiment, the to-be-acquired information obtaining module 1806 is further configured to obtain an average resource growth factor from a preset configuration file, and perform a newly-increased average resource calculation using the current average resource information and the average resource growth factor based on the time information to obtain newly-increased average resource information; and fusing the newly increased average resource information and the current average resource information to obtain target average resource information.

In an embodiment, the information to be obtained obtaining module 1806 is further configured to obtain an average resource growth factor, a user resource growth factor, and user resource restriction information from a preset configuration file; calculating user resource information corresponding to each time point in the time information based on the current user resource information and the user resource growth factor; determining specific resource information corresponding to each time point based on the user resource limitation information and the user resource information corresponding to each time point; calculating average resource information corresponding to each time point in the time information based on the current average resource information and the average resource growth factor; calculating the ratio of the specific resource information corresponding to each time point to the average resource information corresponding to each time point to obtain the resource weight corresponding to each time point; and acquiring the number of time points in the time information, and determining the weight of the basic resource based on the resource weight and the number of the time points corresponding to each time point.

In one embodiment, historical time information is also included in the user data; the to-be-acquired information obtaining module 1806 further acquires a user resource growth factor, user resource restriction information, and a resource storage factor from a preset configuration file; historical user resource information corresponding to each historical time point in the historical time information is calculated based on the current user resource information and the user resource growth factor; acquiring user resource limiting information, and determining historical specific resource information corresponding to each historical time point based on the user resource limiting information and the historical user resource information corresponding to each historical time point; historical storage resource information calculation is carried out on the basis of the historical specific resource information and the resource storage factors corresponding to the historical time points to obtain historical storage resources, and current storage resource information is obtained on the basis of the historical storage resources.

In one embodiment, the information of the resources to be recommended to be transferred comprises information of starting transfer resources and information of fixed transfer resources; the information to be recommended obtaining module 1812 is further configured to obtain initial transfer resource information, and perform resource information calculation based on the initial transfer resource information and the transfer resource increasing factor to obtain initial increased resource information; calculating the difference between the newly added to-be-acquired resource information and the initially newly added resource information to obtain fixed to-be-acquired resource information; and obtaining the fixed transfer resource information based on the ratio information of the fixed resource information to be obtained and the transfer resource newly-increased factor.

In one embodiment, the information of the transfer resource to be recommended comprises information of an initial transfer resource and information of a fixed transfer resource; the information to be recommended obtaining module 1812 is further configured to obtain fixed transfer resource information, and perform resource information calculation based on the fixed transfer resource information and the transfer resource addition factor to obtain fixed addition resource information; calculating the difference between the newly added resource information to be obtained and the fixedly added resource information to obtain initial resource information to be obtained; and obtaining initial transfer resource information based on the initial resource information to be obtained and the proportion information of the transfer resource newly-increased factor.

In one embodiment, the resource information recommending apparatus 1800 further includes:

the essential information obtaining module is used for obtaining the resource attenuation factor from a preset configuration file, and calculating attenuation resource information based on the time information, the resource information to be obtained and the resource attenuation factor to obtain the attenuation resource information; calculating the difference between the newly added resource information to be acquired and the attenuation resource information to obtain the essential resource information to be acquired;

the information to be recommended obtaining module 1812 is further configured to obtain a transfer resource increasing factor matched with the time information, and obtain target information of the transfer resource to be recommended based on the transfer resource increasing factor and the resource information to be obtained substantially.

and the storage module is used for storing the user data, the target replacement factor to be acquired, the current replacement factor to be acquired, the newly-added resource information to be acquired and the resource information to be recommended to be transferred into the server in an associated manner.

In one embodiment, the resource information recommendation apparatus 1800 further includes:

the current display module is used for receiving a to-be-recommended transfer resource information display instruction, and acquiring a target to-be-acquired replacement factor, a current to-be-acquired replacement factor, newly-added to-be-acquired resource information and to-be-recommended transfer resource information from a server according to the to-be-recommended transfer resource information display instruction; acquiring current transfer resource information, and calculating the acquired resource information based on the current transfer resource information and a transfer resource addition factor to obtain the acquired resource information; calculating the difference between the newly-added resource information to be acquired and the acquired resource information to obtain target resource information to be acquired; calculating the replacement factor to be acquired based on the replacement factor to be acquired and the resource information to be acquired to obtain an intermediate replacement factor to be acquired; displaying the target resource information to be acquired, the acquired resource information, the target replacement factor to be acquired, the intermediate replacement factor to be acquired and the transfer resource information to be recommended

For specific limitations of the resource information recommendation device, reference may be made to the above limitations on the resource information recommendation method, which is not described herein again. All or part of the modules in the resource information recommending device can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent of a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 19. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer equipment is used for storing user data, information of resources to be recommended and transferred and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource information recommendation method.

In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 20. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operating system and the computer program to run on the non-volatile storage medium. The communication interface of the computer device is used for communicating with an external terminal in a wired or wireless manner, and the wireless manner can be realized through WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a resource information recommendation method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the configurations shown in fig. 19 and 20 are only block diagrams of some of the configurations relevant to the present application, and do not constitute a limitation on the computer apparatus to which the present application is applied, and a particular computer apparatus may include more or less components than those shown in the drawings, or may combine some components, or have a different arrangement of components.

In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, in which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In one embodiment, a computer program product or computer program is provided that includes computer instructions stored in a computer readable storage medium. The computer instructions are read by a processor of a computer device from a computer-readable storage medium, and the computer instructions are executed by the processor to cause the computer device to perform the steps in the above-mentioned method embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.

All possible combinations of the technical features in the above embodiments may not be described for the sake of brevity, but should be considered as being within the scope of the present disclosure as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, and these are all within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A resource information recommendation method, characterized in that the method comprises:

predicting resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain resource information to be acquired;

acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than a current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the resource information to be acquired and the proportion information of the target user resource information;

acquiring a transfer resource newly-increased factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource newly-increased factor and the newly-increased resource information to be acquired;

2. The method of claim 1, wherein the predicting user resource information based on the current user resource information to obtain target user resource information matching the time information comprises:

acquiring a user resource growth factor from a preset configuration file, and calculating new user resources by using the current user resource information and the user resource growth factor based on the time information to obtain new user resource information;

and fusing the newly added user resource information and the current user resource information to obtain target user resource information.

3. The method of claim 1, wherein the predicting resource information to be obtained based on the time information, the current user resource information, and the current average resource information to obtain resource information to be obtained comprises:

predicting average resource information based on the current average resource information to obtain target average resource information matched with the time information;

performing resource weight calculation based on the current user resource information and the current average resource information to obtain basic resource weight, and performing weighting calculation by using the target average resource information and the basic resource weight to obtain basic resource information to be obtained;

acquiring current storage resource information, and acquiring resource storage factors from a preset configuration file;

calculating newly added storage resources by using the current user resource information and the resource storage factors based on the time information to obtain newly added storage resources, and fusing the newly added storage resource information and the current storage resource information to obtain total storage resource information to be obtained;

acquiring the resource distribution time number matched with the time information, and calculating the ratio of the total resource information to be acquired to the resource distribution time number to obtain the storage resource information to be acquired;

and fusing the basic resource information to be acquired and the storage resource information to be acquired to obtain the resource information to be acquired.

4. The method of claim 3, wherein the performing average resource information prediction based on the current average resource information to obtain target average resource information matching the time information comprises:

acquiring an average resource growth factor from a preset configuration file, and calculating newly increased average resources by using the current average resource information and the average resource growth factor based on the time information to obtain newly increased average resource information;

and fusing the newly increased average resource information and the current average resource information to obtain target average resource information.

5. The method of claim 3, wherein the performing resource weight calculation based on the current user resource information and the current average resource information to obtain a base resource weight comprises:

acquiring an average resource growth factor, a user resource growth factor and user resource limitation information from a preset configuration file;

calculating user resource information corresponding to each time point in the time information based on the current user resource information and the user resource growth factor;

determining specific resource information corresponding to each time point based on the user resource limitation information and the user resource information corresponding to each time point;

calculating average resource information corresponding to each time point in the time information based on the current average resource information and the average resource growth factor;

calculating the ratio of the specific resource information corresponding to each time point to the average resource information corresponding to each time point to obtain the resource weight corresponding to each time point;

and acquiring the number of time points in the time information, and determining the basic resource weight based on the resource weight corresponding to each time point and the number of the time points.

6. The method of claim 3, wherein the user data further comprises historical time information;

the acquiring current storage resource information includes:

acquiring a user resource growth factor, user resource limitation information and a resource storage factor from a preset configuration file;

historical user resource information corresponding to each historical time point in the historical time information is calculated based on the current user resource information and the user resource growth factor;

acquiring user resource limiting information, and determining historical specific resource information corresponding to each historical time point based on the user resource limiting information and the historical user resource information corresponding to each historical time point;

and calculating historical storage resource information based on the historical specific resource information corresponding to each historical time point and the resource storage factor to obtain historical storage resources, and obtaining current storage resource information based on the historical storage resources.

7. The method according to claim 1, wherein the information of the transfer resource to be recommended comprises information of a starting transfer resource and information of a fixed transfer resource;

the obtaining of the information of the transfer resources to be recommended based on the transfer resource addition factor and the information of the resources to be obtained newly added comprises:

acquiring initial transfer resource information, and calculating resource information based on the initial transfer resource information and the transfer resource increasing factor to obtain initial increased resource information;

calculating the difference between the newly added resource information to be acquired and the initial newly added resource information to obtain fixed resource information to be acquired;

and obtaining the fixed transfer resource information based on the ratio information of the fixed resource information to be obtained and the transfer resource newly-increased factor.

8. The method according to claim 1, wherein the information of the transfer resource to be recommended comprises information of a starting transfer resource and information of a fixed transfer resource;

the obtaining of the information of the transfer resources to be recommended based on the transfer resource addition factor and the information of the resources to be obtained by adding comprises the following steps:

acquiring fixed transfer resource information, and calculating resource information based on the fixed transfer resource information and the transfer resource increasing factor to obtain fixed increased resource information;

calculating the difference between the newly added to-be-acquired resource information and the fixed newly added resource information to obtain initial to-be-acquired resource information;

and obtaining the initial transfer resource information based on the ratio information of the initial resource information to be obtained and the transfer resource increasing factor.

9. The method according to claim 1, wherein after performing new resource prediction according to the target replacement factor to be obtained, the current replacement factor to be obtained, and the target user resource information to obtain new resource information to be obtained, the method further comprises:

acquiring a resource attenuation factor from a preset configuration file, and calculating attenuation resource information based on the time information, the resource information to be acquired and the resource attenuation factor to obtain attenuation resource information;

calculating the difference between the newly added resource information to be acquired and the attenuation resource information to obtain the essential resource information to be acquired;

the acquiring of the transfer resource increasing factor matched with the time information and the acquiring of the transfer resource information to be recommended based on the transfer resource increasing factor and the resource information to be acquired newly comprise:

and acquiring a transfer resource increasing factor matched with the time information, and acquiring target to-be-recommended transfer resource information based on the transfer resource increasing factor and the substantial to-be-acquired resource information.

10. The method according to claim 1, further comprising, after the push presentation of the to-be-recommended migration resource information:

and storing the user data, the target replacement factor to be acquired, the current replacement factor to be acquired, the newly-added resource information to be acquired and the resource information to be recommended to be transferred in a server in an associated manner.

11. The method according to claim 10, wherein after storing the user data in association with the target replacement factor to be acquired, the current replacement factor to be acquired, the information on the newly added resource to be acquired, and the information on the transfer resource to be recommended in a server, the method further comprises:

receiving a to-be-recommended transfer resource information display instruction, and acquiring the target to-be-acquired replacement factor, the current to-be-acquired replacement factor, the newly-added to-be-acquired resource information and the to-be-recommended transfer resource information from a server according to the to-be-recommended transfer resource information display instruction;

acquiring current transfer resource information, and calculating the acquired resource information based on the current transfer resource information and the transfer resource newly-increased factor to obtain the acquired resource information;

calculating the difference between the newly added resource information to be acquired and the acquired resource information to obtain target resource information to be acquired;

calculating a replacement factor to be acquired based on the replacement factor to be acquired of the target and the resource information to be acquired of the target to obtain a replacement factor to be acquired in the middle;

and displaying the target resource information to be acquired, the acquired resource information, the target replacement factor to be acquired, the intermediate replacement factor to be acquired and the information of the transfer resource to be recommended.

12. A resource information recommendation system is characterized by comprising a terminal and a server;

the terminal is used for acquiring user data from a user data acquisition page, wherein the user data comprises time information, current user resource information and current average resource information; predicting user resource information based on the current user resource information to obtain target user resource information matched with the time information; predicting resource information to be acquired based on the time information, the current user resource information and the current average resource information to obtain resource information to be acquired; acquiring a target replacement factor to be acquired, wherein the target replacement factor to be acquired is larger than a current replacement factor to be acquired, and the current replacement factor to be acquired is calculated according to the resource information to be acquired and the proportion information of the target user resource information; performing newly added resource prediction according to the target replacement factor to be obtained, the current replacement factor to be obtained and the target user resource information to obtain newly added resource information to be obtained; acquiring a transfer resource increasing factor matched with the time information, and acquiring transfer resource information to be recommended based on the transfer resource increasing factor and the newly-increased resource information to be acquired; displaying the resource information to be recommended and transferred through a resource transfer page, and sending the user data and the resource information to be recommended and transferred to the server;

the server is used for acquiring the user data and the information of the to-be-recommended transfer resources and storing the user data and the information of the to-be-recommended transfer resources in a correlation mode.

13. An apparatus for recommending resource information, the apparatus comprising:

a target information obtaining module, configured to perform user resource information prediction based on the current user resource information, so as to obtain target user resource information matched with the time information;

the information to be recommended obtaining module is used for obtaining a transfer resource increasing factor matched with the time information and obtaining information of transfer resources to be recommended based on the transfer resource increasing factor and the resource information to be obtained;

and the information display module to be recommended is used for pushing and displaying the information of the transferred resources to be recommended.

14. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor realizes the steps of the method of any one of claims 1 to 11 when executing the computer program.

15. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 11.