CN116245625A - Information processing method, device, equipment and computer storage medium - Google Patents
Information processing method, device, equipment and computer storage medium Download PDFInfo
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Abstract
The application discloses an information processing method, an information processing device, information processing equipment and a computer storage medium, wherein the information processing method comprises the following steps: acquiring service information of a first periodical stock service, a current stock service interest rate, fluctuation parameters and an interest rate fluctuation curve at the current moment; determining the regular earnings of the first regular stock service according to the contract term and the regular service interest rate; determining the stock service interest rate in the continuous time limit according to the fluctuation parameters and the interest rate fluctuation curve; predicting the transfer benefit of the first periodic stock service according to the live stock service interest rate, the stored duration, the time limit and the stock service interest rate at the current moment; and predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits. According to the method and the device for predicting the probability of the first periodic stock service to be drawn in advance, the periodic benefits and the transfer benefits are compared, the characteristic of benefit maximization is utilized, the probability of the first periodic stock service to be drawn in advance is predicted, and the accuracy of predicting the probability of the first periodic stock service to be drawn in advance is improved.
Description
Technical Field
The application belongs to the technical field of data processing, and particularly relates to an information processing method, an information processing device, information processing equipment and a computer storage medium.
Background
With the development of society, more and more customers of banking products are rational customers with a certain financial or financial experience, and in the case of fluctuation of interest rate, the rational customers can decide whether to terminate original business and start new business, and more consider the gain and loss between the two business, which makes it possible for the rational customers to take out regular stock business before the regular stock business is less than the expiration period.
However, at present, the application and measurement technology of customer behavior is based on bank history data, and the problem of whether the customer is a rational customer is not considered by counting the parameters of the periodical stock service in advance and directly applying the parameters to the measurement and calculation process of interest balance.
Therefore, the interest balance change condition caused by the client behavior under the interest rate change scene cannot be accurately measured, so that accurate stock service cannot be obtained, further, service personnel cannot predict the structure, price and speed increase of future incremental service by taking the stock service as a reference, and the management capability of banks on the asset liability list cannot be effectively improved.
Disclosure of Invention
The embodiment of the application provides an information processing method, an information processing device, information processing equipment and a computer storage medium, which can improve the accuracy of probability prediction for the early retrieval of a periodic stock service.
According to a first aspect of the present application, an embodiment of the present application provides an information processing method, including:
acquiring service information of a first periodical stock service, a current live stock service interest rate, fluctuation parameters and an interest rate fluctuation curve at the current moment, wherein the service information comprises: contract deadlines, lifetime and periodic business interest rates;
determining the regular earnings of the first regular stock service according to the contract term and the regular service interest rate;
determining the stock service interest rate in the continuous time limit according to the interest rate fluctuation curve and the interest rate fluctuation curve;
predicting the transfer benefit of the first periodic stock service according to the live stock service interest rate, the stored duration, the time limit and the stock service interest rate at the current moment, wherein the stored duration is the difference value between the contract duration and the time limit;
and predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits.
Optionally, acquiring service information of the first periodic stock service, a current time of interest rate of the periodic stock service, a fluctuation parameter and a interest rate fluctuation curve includes:
the page is displayed, and the page comprises a selection control for whether to transfer the benefit or not;
and receiving the selected input of the user for the transfer benefit of the selection control, and acquiring the service information of the first scheduled stock service, the interest rate of the live stock service at the current moment and the interest rate fluctuation curve.
Optionally, the method further comprises:
receiving a selection input of a user for not performing the saving return on the selection control;
acquiring service information and advance acquisition parameters of a first periodical stock service;
and determining the probability of the user to withdraw the first scheduled storage service in advance according to the service information and the advance withdraw parameter of the first scheduled storage service.
Optionally, predicting the probability that the user draws the first periodic inventory service in advance according to the periodic benefit and the transfer benefit includes:
if the periodic benefit is greater than the transfer benefit, determining that the probability that the user takes the first periodic stock service in advance is smaller than a first threshold;
if the transfer benefit is greater than the periodic benefit, determining that the probability that the user takes the first periodic stock service in advance is greater than a second threshold.
Optionally, determining the interest rate of the inventory service within the lifetime according to the interest rate fluctuation curve includes:
determining the current interest rate and the type of interest rate fluctuation according to the interest rate fluctuation curve;
and determining the stock service interest rate according to the current fluctuation parameter, the previous interest rate and the interest rate fluctuation type.
According to a second aspect of the present application, an embodiment of the present application provides an information processing apparatus, including:
the first obtaining module is configured to obtain service information of a first periodic stock service, a current-time live stock service fluctuation parameter, and a interest rate fluctuation curve, where the service information includes: contract deadlines, lifetime and periodic business interest rates;
the first determining module is used for determining the regular income of the first regular stock business according to the contract term and the regular business interest rate;
the second determining module is used for determining the stock service interest rate in the continuous time limit according to the fluctuation parameters and the interest rate fluctuation curve;
the first prediction module is used for predicting the transfer benefit of the first periodic stock service according to the current time of the living stock service interest rate, the stored time length, the time limit and the stock service interest rate, wherein the stored time length is the difference value between the contract time limit and the time limit;
and the second prediction module is used for predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits.
Optionally, the first acquisition module includes:
the page is displayed, and the page comprises a selection control for whether to transfer the benefit or not;
the acquisition element is used for receiving the selected input of the user for the transfer benefit of the selection control and acquiring the service information of the first periodical storage service, the interest rate of the periodical storage service at the current moment and the interest rate fluctuation curve.
According to a third aspect of the present application, there is provided an information processing apparatus comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the information processing method of any one of the first aspects.
According to a fourth aspect of the present application, embodiments of the present application provide a computer storage medium having stored thereon computer program instructions which, when executed by a processor, implement the information processing method of any one of the first aspects.
According to a fifth aspect of the present application, embodiments of the present application provide a computer program product, instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the information processing method of any one of the first aspects.
According to the information processing method, the information processing device, the information processing equipment and the computer storage medium, through obtaining service information of the first periodic storage service, the interest rate of the current-time periodic storage service, fluctuation parameters and an interest rate fluctuation curve, the interest rate of the storage service in the future continuous storage time limit is predicted by utilizing the fluctuation parameters and the interest rate fluctuation curve, so that the transfer benefit obtained by the first periodic storage service in advance is calculated when the interest rate of the periodic service changes; calculating the first periodic stock service to obtain periodic benefits according to the contract term and the periodic service interest rate, and comparing the periodic benefits with the transfer benefits to know which mode can obtain the maximum benefits when the periodic service interest rate changes, so that the probability of the first periodic stock service being extracted in advance can be predicted through the characteristic of benefit maximization; therefore, the accuracy of predicting the probability of the first periodic stock service to be extracted in advance is improved, so that the accurate future stock service can be predicted, further, service personnel can predict the structure, price and speed increase of the future incremental service by taking the stock service as a reference, and the management capability of banks on the asset liability list is effectively improved.
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In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.
FIG. 1 is a flow chart of a method of information processing according to an exemplary embodiment;
FIG. 2 is another flow chart of a method of information processing according to an exemplary embodiment;
FIG. 3 is a further flowchart illustrating a method of information processing according to an exemplary embodiment;
fig. 4 is a block diagram showing a structure of an information processing apparatus according to an exemplary embodiment;
fig. 5 is a block diagram showing a structure of an information processing apparatus according to an exemplary embodiment.
Detailed Description
Features and exemplary embodiments of various aspects of the present application are described in detail below to make the objects, technical solutions and advantages of the present application more apparent, and to further describe the present application in conjunction with the accompanying drawings and the detailed embodiments. It should be understood that the specific embodiments described herein are intended to be illustrative of the application and are not intended to be limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present application by showing examples of the present application.
It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
The data acquisition, storage, use, processing and the like in the technical scheme meet the relevant regulations of national laws and regulations.
As described in the background art, the interest balance change conditions caused by the customer behavior cannot be accurately measured at present under the interest rate change scene, so that an accurate stock service cannot be obtained, and further, service personnel cannot predict the structure, price and speed increase of future incremental service according to the stock service as a reference, and the management capability of banks on the asset liability list cannot be effectively improved.
In order to solve the problems in the prior art, the inventive concept of the information processing method provided in the embodiment of the present application is as follows: the future stock service interest rate is predicted according to the current interest rate fluctuation curve, the periodic benefits of the first periodic stock service without the transfer are compared with the transfer benefits obtained by the transfer according to the stock service interest rate, and the probability of the first stock service being extracted in advance is further judged by comparing the two benefits.
Based on the method, the device and the system, the service information of the first periodic storage service, the interest rate of the current periodic storage service, the fluctuation parameter and the interest rate fluctuation curve are obtained, the interest rate of the storage service in the future continuous storage time limit is predicted by using the fluctuation parameter and the interest rate fluctuation curve, so that the transfer benefit obtained by the first periodic storage service in advance is calculated when the interest rate of the periodic service changes; calculating the first periodic stock service to obtain periodic benefits according to the contract term and the periodic service interest rate, and comparing the periodic benefits with the transfer benefits to know which mode can obtain the maximum benefits when the periodic service interest rate changes, so that the probability of the first periodic stock service being extracted in advance can be predicted through the characteristic of benefit maximization; therefore, the accuracy of predicting the probability of the first periodic stock service to be extracted in advance is improved, so that the accurate future stock service can be predicted, further, service personnel can predict the structure, price and speed increase of the future incremental service by taking the stock service as a reference, and the management capability of banks on the asset liability list is effectively improved.
Based on this, the application provides an information processing method, an information processing device, an information processing apparatus, and a computer storage medium. The information processing method provided in the embodiment of the present application will be first described below.
Fig. 1 is a flow chart of an information processing method according to an embodiment of the present application.
As shown in fig. 1, it may comprise the steps of:
s101, acquiring service information of a first periodical stock service, a current periodical stock service interest rate, fluctuation parameters and an interest rate fluctuation curve at the current moment, wherein the service information comprises: contract deadlines, lifetime and periodic business interest rates;
s102, determining the periodic income of the first periodic stock service according to the contract term and the periodic service interest rate;
s103, determining the stock service interest rate in the time limit according to the fluctuation parameters and the interest rate fluctuation curve;
s104, predicting the transfer benefit of the first periodic stock service according to the current time of the living stock service interest rate, the stored time length, the time limit and the stock service interest rate, wherein the stored time length is the difference value between the contract time limit and the time limit;
s105, predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits.
Based on the above embodiment, the present application predicts the interest rate of the stock service in the future continuous storage time limit by acquiring the service information of the first periodic stock service, the interest rate of the live stock service at the current moment, the fluctuation parameter and the interest rate fluctuation curve, and by using the fluctuation parameter and the interest rate fluctuation curve, calculates the transfer benefit obtained by the first periodic stock service in advance when the interest rate of the first periodic stock service changes; calculating the first periodic stock service to obtain periodic benefits according to the contract term and the periodic service interest rate, and comparing the periodic benefits with the transfer benefits to know which mode can obtain the maximum benefits when the periodic service interest rate changes, so that the probability of the first periodic stock service being extracted in advance can be predicted through the characteristic of benefit maximization; therefore, the accuracy of predicting the probability of the first periodic stock service to be extracted in advance is improved, so that the accurate future stock service can be predicted, further, service personnel can predict the structure, price and speed increase of the future incremental service by taking the stock service as a reference, and the management capability of banks on the asset liability list is effectively improved.
In S101, setting a selection control for selecting whether to transfer the benefit or not by a user on a display page, and acquiring service information of a first periodic stock service when the user selects to transfer the benefit prediction by operating the selection control; the first periodic stock service can be a periodic deposit or periodic financial product, and the service information corresponding to the first periodic stock service can be known according to the first periodic stock service, and the service information can comprise a corresponding contract term, a corresponding continuous time limit and a corresponding periodic service interest rate; the contract term is a storage term agreed in advance for a periodic stock service, and can be generally 1 year, 3 years, 5 years and the like, and the periodic service interest rate is an interest rate agreed in advance for the stock service.
Specifically, the beginning of the duration time is the beginning of the storage contract, the ending is the ending of the storage contract, that is, the number of days from the beginning to the ending is the duration of the first regular storage business stored in the contract duration, and the duration is converted into an integer according to a preset rule, so as to facilitate calculation, and in an embodiment, the preset rule may be as shown in the following table 1:
table 1: preset rules
Accordingly, the interest rate of the live stock business can be the interest rate of the live deposit or the live financial product; the interest rate fluctuation curve may be a curve obtained from a change in interest rate over a period of time; the fluctuation parameter is a hypothetical interest rate fluctuation parameter value entered by the user.
In S102, the periodic benefit may be a benefit rate or interest benefit; the different contract period limits correspond to different periodic service interest rates, so that the corresponding periodic service interest rate can be known according to the contract period of the first periodic stock service, and then the principal of the first periodic stock service is utilized to obtain interest benefits of the first periodic stock service in the contract period, and the periodic service interest rate can be regarded as the benefit rate of the first periodic stock service in the contract period.
In S103, according to the change rule of the interest rate fluctuation curve, by analyzing and predicting and combining with the fluctuation parameters, the interest rate corresponding to the continuous storage time limit in the future, that is, the stock service interest rate, can be known.
In S104, the stored duration is the duration that the first stored amount of service is stored in the contract duration, if the first stored amount of service is taken out and stored continuously, the first stored amount of service is divided into a live part and a periodic part; the storage time of the live part is a continuous time limit, and the storage time of the regular part is a continuous time limit.
Therefore, the transfer benefit of the first periodic stock service is predicted, the live part and the periodic part are required to be calculated respectively, the benefit of the live part can be obtained according to the live stock service interest rate and the continuous time limit at the current moment, the benefit of the periodic part can be obtained according to the continuous time limit and the stock service interest rate, and the transfer benefit can be obtained by combining the benefit of the live part and the benefit of the periodic part.
As an example, a term of interest is 3%, a contract term is 5 years, a fixed deposit of 10000 yuan of civil coins is deposited for 2 years, a remaining term is 3 years, a live deposit amount business interest rate is 0.35%, and a deposit amount business interest rate is 7.5%.
Regular earnings: 3% ×10000×=1500 yuan
Transfer benefit: 0.35% ×10000×2+7.5% ×10000×3=70+2250=2320 elements
In S105, comparing the periodic benefit with the transfer benefit, if the periodic benefit is greater than the transfer benefit, it is indicated that the first periodic inventory service is drawn in advance to obtain a higher benefit, and when the user is considered, the first periodic inventory service is drawn in advance with a high probability, and the probability that the first periodic inventory service is drawn in advance by the user is smaller than a first threshold; otherwise, if the transfer benefit is greater than the periodic benefit, determining that the probability that the user takes the first periodic inventory service in advance is greater than a second threshold.
It should be noted that, since the probability that the user takes the first scheduled storage traffic in advance is predicted, the first threshold may be 1%; similarly, the second threshold may be 99%.
For the prediction accuracy of the first scheduled storage traffic, another implementation of the information processing method is also provided.
Fig. 2 is a schematic flow chart of an information processing method according to an embodiment of the present application, and as shown in fig. 2, the embodiment of the present application may further include the following steps:
s201, receiving a selection input that a user does not restore benefits to a selection control;
s202, acquiring service information and advance acquisition parameters of a first periodical stock service;
s203, determining the probability of the user to take the first periodic stock service in advance according to the service information and the advance taking parameter of the first periodic stock service.
Based on the embodiment, the user can select to transfer the first scheduled storage traffic and can select not to transfer the first scheduled storage traffic, more choices are provided for the user, different assumption schemes are provided, and therefore the effective processing capacity of the information processing method is enhanced; and by providing a prediction mode of the early extraction probability of the first periodic stock service under different conditions and integrating the early extraction probabilities under two conditions, the accuracy of the information processing method for predicting the early extraction probability of the first periodic stock service is improved.
In S201, the user may operate a selection control to select not to dump the benefit.
In S202, the advance extraction parameter is an advance extraction rate of the periodic stock service in the history by advance statistics, and the advance extraction parameter corresponding to the first periodic stock service is selected from the advance extraction rates according to the duration of the first periodic stock service.
In S203, the advance extraction probability of the first periodic traffic can be determined by analyzing the advance extraction parameter.
As an example, the first periodic stock service is 5 years, and in the early-counted early-rate, it can be known that the early-rate is 5% when the first periodic stock service is stored for 2 years and 7% when the first periodic stock service is stored for 3 years, and the early-rate corresponding to the first periodic stock service is 7% when the first periodic stock service is stored for 3 years.
For the prediction accuracy of the first scheduled storage traffic, the present application also provides another implementation manner of the information processing method.
Fig. 3 shows a schematic flow chart of another information processing method according to an embodiment of the present application, as shown in fig. 3, S103 may further include the following steps:
s301, determining the current interest rate and the type of interest rate fluctuation according to the interest rate fluctuation curve;
s302, determining the stock service interest rate according to the fluctuation parameter, the current interest rate and the interest rate fluctuation type.
Based on the embodiment, the accuracy of the inventory service interest rate prediction is improved by calculating the inventory service interest rate under different interest rate fluctuation types according to the interest rate fluctuation curve, and the accuracy of the information processing method for the first scheduled service inventory advance withdrawal prediction is further improved.
In S301, by acquiring the interest rate fluctuation curves of the interest rate changes on the respective time nodes that have been completed, the current interest rate on the current time node can be known by querying the interest rate fluctuation curves, and the future interest rate fluctuation types can also be predicted and analyzed, specifically, the interest rate fluctuation types can include three types of point differences, proportions, and absolute values.
In S302, the stock service interest rate under each interest rate fluctuation type is calculated according to the fluctuation parameter, the current interest rate, and the interest rate fluctuation type, respectively.
As an example, the current interest rate is 5%
When the change type is "dot difference": if the fluctuation parameter is filled with '50', the fluctuation parameter is increased by 0.5% on the basis of the original interest rate, namely, the stock service interest rate is 5.5%;
when the change type is "ratio": if the fluctuation parameter is filled with '20', the fluctuation parameter represents 20% of the original interest rate, namely the stock service interest rate is 6%;
when the change type is "absolute value": if the fluctuation parameter is filled with "7", it represents that the post-fluctuation utilization value is 7%, that is, the stock service utilization is 7%.
It should be noted that, the application scenario described in the foregoing embodiments of the present application is to more clearly describe the technical solution of the embodiments of the present application, and does not constitute a limitation on the technical solution provided in the embodiments of the present application, and as a person of ordinary skill in the art can know, with the appearance of a new application scenario, the technical solution provided in the embodiments of the present application is also applicable to similar technical problems.
Based on the same inventive concept, the present application also provides an information processing apparatus 400. This is described in detail with reference to fig. 4.
Fig. 4 shows a schematic hardware configuration of an information processing apparatus 400 according to an embodiment of the present invention.
As shown in fig. 4, the apparatus includes:
the first obtaining module 410 is configured to obtain service information of the first scheduled storage service, a current time period storage service fluctuation parameter, and a interest rate fluctuation curve, where the service information includes: contract deadlines, lifetime and periodic business interest rates;
a first determining module 420, configured to determine a periodic benefit of the first periodic inventory service according to the contract term and the periodic service interest rate;
a second determining module 430, configured to determine the interest rate of the inventory service within the lifetime according to the fluctuation parameter and the interest rate fluctuation curve;
a first prediction module 440, configured to predict a transfer benefit of the first periodic storage service according to the current time of interest rate of the live storage service, the stored time length, the time limit of the live storage service, and the interest rate of the storage service, where the stored time length is a difference between the contract time limit and the time limit of the live storage service;
the second prediction module 450 is configured to predict a probability that the user draws the first periodic inventory service in advance according to the periodic benefit and the transfer benefit.
In the information processing apparatus 400 provided in this embodiment, the first obtaining module 410 obtains the service information of the first periodic storage service, the interest rate of the current periodic storage service, the fluctuation parameter and the interest rate fluctuation curve, and the second determining module 430 predicts the interest rate of the storage service in the future continuous storage time period by using the fluctuation parameter and the interest rate fluctuation curve, so that the first predicting module 440 calculates the transfer benefit obtained by taking the re-storage energy of the first periodic storage service in advance when the interest rate of the periodic service changes; the first determining module 420 calculates the first periodic stock service again to obtain periodic benefits according to the contract term and the periodic service interest rate, and by comparing the periodic benefits with the transfer benefits, the first predicting module 450 can know which mode can obtain the maximum benefits when the periodic service interest rate changes, and further can predict the probability of the first periodic stock service being extracted in advance according to the characteristic of benefit maximization; therefore, the accuracy of predicting the probability of the first periodic stock service to be extracted in advance is improved, so that the accurate future stock service can be predicted, further, service personnel can predict the structure, price and speed increase of the future incremental service by taking the stock service as a reference, and the management capability of banks on the asset liability list is effectively improved.
Optionally, the first obtaining module 410 may further include:
the method comprises the steps that a page is displayed, and a selection control for whether to transfer benefits is included on the page;
the acquisition element is used for receiving the selected input of the user for the transfer benefit of the selection control and acquiring the service information of the first periodic stock service, the interest rate of the current periodic stock service and the interest rate fluctuation curve.
Optionally, the information processing apparatus 400 may further include:
the receiving module is used for receiving the selected input that the user does not restore the benefits to the selection control;
the second acquisition module is used for acquiring service information and advance acquisition parameters of the first periodical stock service;
and the third determining module is used for determining the probability of the user to take the first periodic stock service in advance according to the service information and the advance taking parameter of the first periodic stock service.
Optionally, the second prediction module 450 may further include:
a fourth determining module, configured to determine that a probability that the user draws the first periodic stock service in advance is smaller than a first threshold if the periodic benefit is greater than the dump benefit;
and a fifth determining module, configured to determine that the probability that the user draws the first periodic stock service in advance is greater than the second threshold if the transfer benefit is greater than the periodic benefit.
Optionally, the second determining module 430 may further include:
the sixth determining module is used for determining the current interest rate and the type of interest rate fluctuation according to the interest rate fluctuation curve;
and a seventh determining module, configured to determine the stock service interest rate according to the current fluctuation parameter, the previous interest rate and the interest rate fluctuation type.
The controller information processing apparatus 400 provided in this embodiment of the present application can implement each process implemented by the embodiments of the methods of fig. 1 to 3, and can achieve the same technical effects, and for avoiding repetition, a detailed description is omitted here.
Fig. 5 shows a schematic hardware configuration of an information processing apparatus according to an embodiment of the present invention.
The information processing device may comprise a processor 501 and a memory 502 storing computer program instructions.
In particular, the processor 501 may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits that implement embodiments of the present invention.
In particular embodiments, memory 502 may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, memory 502 includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by the one or more processors 501) it is operable to perform the operations described with reference to a method according to an aspect of the present application.
The processor 501 implements any one of the information processing methods of the above embodiments by reading and executing computer program instructions stored in the memory 502.
In one example, the information processing device may also include a communication interface 503 and a bus 504. Wherein, as shown, processor 501, memory 502, and communication interface 503 are coupled to and communicate with each other via bus 504.
The communication interface 503 is mainly used to implement communication between each module, apparatus, unit and/or device in the embodiments of the present invention.
The information processing apparatus may implement the information processing method and device described in connection with fig. 1 to 4 based on the current information processing method.
In addition, the embodiment of the present application further provides a computer program product, which includes computer program instructions, where the computer program product can implement the steps of the foregoing method embodiment and corresponding content when executed by the processor 501.
It should be clear that the present application is not limited to the particular arrangements and processes described above and illustrated in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and illustrated, and those skilled in the art can make various changes, modifications, and additions, or change the order between steps, after appreciating the spirit of the present application.
The functional blocks shown in the above-described structural block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the present application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be different from the order in the embodiments, or several steps may be performed simultaneously.
Aspects of the present disclosure are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the disclosure. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present application, which are intended to be included in the scope of the present application.
Claims (10)
1. An information processing method, characterized by comprising:
acquiring service information of a first periodical stock service, a current daily stock service interest rate, fluctuation parameters and an interest rate fluctuation curve at the current moment, wherein the service information comprises: contract deadlines, lifetime and periodic business interest rates;
determining a periodic benefit of the first periodic stock service according to the contract term and the periodic service interest rate;
determining the interest rate of the stock service in a continuous time limit according to the fluctuation parameters and the interest rate fluctuation curve, wherein the continuous time limit is the difference value between the contract time limit and the continuous time limit;
predicting the transfer benefit of the first regular stock service according to the live stock service interest rate, the time limit and the stock service interest rate at the current moment;
and predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits.
2. The information processing method according to claim 1, wherein the acquiring the service information of the first periodic stock service, the interest rate of the current time of the periodic stock service, the fluctuation parameter, and the interest rate fluctuation curve includes:
the method comprises the steps that a display page is provided, and a selection control for selecting whether to transfer the benefit is included on the display page;
and receiving the selected input of the user for the transfer benefit of the selection control, and acquiring the service information of the first periodical storage service, the interest rate of the periodical storage service at the current moment and the interest rate fluctuation curve.
3. The information processing method according to claim 2, characterized in that the method further comprises:
receiving a selection input of the user for not restoring benefits to the selection control;
acquiring the service information and the advance acquisition parameters of the first periodical storage service;
and determining the probability of the user to withdraw the first periodic stock service in advance according to the service information and the advance withdraw parameter of the first periodic stock service.
4. The information processing method as claimed in claim 1, wherein predicting a probability that the user will take the first periodic stock service ahead of time based on the periodic yields and the transfer yields comprises:
if the periodic benefit is greater than the transfer benefit, the probability that the user takes the first periodic stock service in advance is smaller than a first threshold;
and if the transfer benefit is greater than the periodic benefit, the probability that the user takes the first periodic storage service in advance is greater than a second threshold.
5. The information processing method according to claim 1, wherein said determining the interest rate of the stock service within the persistence time period based on the fluctuation parameter and the interest rate fluctuation curve includes:
determining the current interest rate and the type of interest rate fluctuation according to the interest rate fluctuation curve;
and determining the stock service interest rate according to the fluctuation parameter, the current interest rate and the interest rate fluctuation type.
6. An information processing apparatus, characterized in that the apparatus comprises:
the first acquisition module is used for acquiring service information of a first periodic stock service, a current time living stock service interest rate, fluctuation parameters and an interest rate fluctuation curve, wherein the service information comprises: contract deadlines, lifetime and periodic business interest rates;
the first determining module is used for determining the periodic income of the first periodic stock service according to the contract term and the periodic service interest rate;
the second determining module is used for determining the stock service interest rate in the continuous time limit according to the fluctuation parameter and the interest rate fluctuation curve;
the first prediction module is used for predicting the transfer benefit of the first periodic stock service according to the current time of the living stock service interest rate, the stored time length, the time limit and the stock service interest rate, wherein the stored time length is the difference value between the contract time length and the time limit;
and the second prediction module is used for predicting the probability that the user takes the first periodic stock service in advance according to the periodic benefits and the transfer benefits.
7. The information processing apparatus according to claim 6, wherein the first acquisition module includes:
the method comprises the steps that a page is displayed, and a selection control for whether to transfer benefits is included on the page;
the acquisition element is used for receiving the selected input of the user for the transfer benefit of the selection control and acquiring the service information of the first periodic stock service, the interest rate of the current periodic stock service and the interest rate fluctuation curve.
8. An information processing apparatus, characterized in that the apparatus comprises: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the method for processing information according to any one of claims 1-5.
9. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon computer program instructions which, when executed by a processor, implement the information processing method according to any of claims 1-5.
10. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the information processing method according to any of claims 1-5.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310254139.8A CN116245625A (en) | 2023-03-16 | 2023-03-16 | Information processing method, device, equipment and computer storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310254139.8A CN116245625A (en) | 2023-03-16 | 2023-03-16 | Information processing method, device, equipment and computer storage medium |
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| Publication Number | Publication Date |
|---|---|
| CN116245625A true CN116245625A (en) | 2023-06-09 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202310254139.8A Pending CN116245625A (en) | 2023-03-16 | 2023-03-16 | Information processing method, device, equipment and computer storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN116245625A (en) |
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2023
- 2023-03-16 CN CN202310254139.8A patent/CN116245625A/en active Pending
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