CN116777226A - Information display system based on quantization processing model - Google Patents
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Abstract
The application discloses an information display system based on a quantitative processing model, wherein the technical scheme in the specification adopts a technical means of the quantitative processing model, so that users corresponding to user accounts are quantized, and the technical problem that the attribute difficult to quantitatively analyze cannot be understood by a computer is solved. Based on the information, the system in the specification predicts risks based on the quantized result and sends out information such as first risk prompt information based on the predicted result, so that a user corresponding to the user account can make a decision according to the prompt, and the user experience is improved. In addition, the technical solution in this specification focuses on the fact that the upcoming redemption of a target asset results in a user account balance being changed from possible, and provides guidance for whether the user account is suitable for redemption of the target asset from the perspective of the user account's own fund turnover.
Description
Technical Field
The application relates to the technical field of computer systems based on specific calculation models, in particular to an information display system based on a quantitative processing model.
Background
With the development of economy, the awareness of asset management has matured, and an investment management platform is created on the market, which can be used to achieve the docking between users and asset management servers (e.g., finance companies). In most cases, the investment management platform does not have management qualification of an asset project (such as a financial product) with financial properties, but the investment management platform can provide services such as information display, transaction interfaces and the like of the asset project managed by the asset management server to users so as to realize smooth achievement of transactions with the asset management server. In the field, some aspects of users are quantized, so that information which cannot be processed by a computer originally can be processed by the computer, and prediction of user behaviors based on quantized results becomes one of main research directions.
The quantization is usually implemented by constructing a user portrait for the user, for example, in the patent application with publication number CN 114372573B: user portrait information identification method, apparatus, computer device, and storage medium (main class number: G06N 7/00). After quantifying the user by behavioral parameters, the investment risk is also assessed. The technical schemes take people as the basis, serve users, improve user experience, can apply technical means (algorithm adopted when quantization is realized and equipment is constrained by natural law) to quantization and investment scenes, and can naturally solve technical problems (for example, the technical problem that people difficult to quantize are quantized).
However, in some cases, information required for constructing a user portrait, such as the age of the user, belongs to private information, and the difficulty in obtaining the information is great. Therefore, how to quantify users based on information other than the age of the users and provide services for the users based on the quantified results, so as to improve the user experience, and the method and the device are the problems to be solved.
Disclosure of Invention
The embodiment of the application provides an information display system based on a quantization processing model, which aims to at least partially solve the technical problems.
The embodiment of the application adopts the following technical scheme:
in a first aspect, an embodiment of the present application provides an information presentation system based on a quantization processing model, where the system is configured on a client, and the system includes:
an acquisition module configured to: determining assets to be redeemed for a user account under authorization of the user account;
a detection module configured to: upon detecting that the redemption period of the redemption-requiring asset meets a preset condition, determining the redemption-requiring asset as a target asset;
a quantization module configured to: determining a first quantized value based on a record of a small payout of the user account in a historical time period of a first time period from a current moment by adopting a preset quantized processing model; wherein the first quantization value is positively correlated with a total amount of the small payout, a frequency of the small payout, and a fluctuation amount of the small payout; determining a second quantized value based on a record of the large payout of the user account over a historical period of time that is a second duration from the current time; wherein the second quantitative value is positively correlated with a difference between a maximum payout in the record of the large payout and the balance of the user account, and with non-periodicity exhibited by each payout in the record of the large payout; and is associated with the type of each payout in the record of the large payout; determining a payout quantization value based on the first quantization value and the second quantization value; wherein the payout quantized value is positively correlated with both the first quantized value and the second quantized value; determining a third quantified value, wherein the third quantified value is inversely related to the length of time from the current time for the redemption period limits for all of the assets to be redeemed for the user account and is positively related to the total amount of the assets to be redeemed for a future period of time that is a third length of time from the current time;
an information display module configured to: displaying first risk prompt information through the client under the condition that the ratio of the expenditure quantized value to the third quantized value is larger than a preset ratio threshold; wherein the first risk cue information is used to characterize a fund turnover risk that would result if the target asset were not redeemed, to direct the user account to perform an operation on the target asset based on the first risk cue information.
In an alternative embodiment of the present specification, the information presentation module is further configured to:
acquiring the predicted risk of the asset project to which the target asset belongs in the next investment period from the asset management server for managing the target asset under the condition that the ratio of the expenditure quantized value to the third quantized value is not greater than the ratio threshold;
acquiring the risk bearing capacity of the user account;
if the predicted risk is greater than the risk bearing capacity, displaying second risk prompt information through the client; wherein the second risk cue information is used to characterize a risk of a loss of funds resulting from the target asset not being redeemed to direct the user account to perform an operation on the target asset based on the second risk cue information.
In an alternative embodiment of the present disclosure, the detection module is specifically configured to:
determining a designated time length; the appointed duration is positively correlated with the historical fund transfer frequency, average transfer amount and balance of the user account, and is positively correlated with the amount of the last asset to be redeemed of the user account from the current moment, and is negatively correlated with the frequency of the user account purchasing the asset item of the last asset to be redeemed;
if the redemption period of the redemption asset is less than the specified duration, determining that the redemption asset meets the preset condition;
determining the redemption-to-asset as the target asset.
In an alternative embodiment of the present specification, the first duration is inversely related to the credit of the user account and positively related to the user account balance.
In an alternative embodiment of the present description, the second time period is positively correlated with the frequency of the large payout in the user account history, is positively correlated with the user account balance, and is greater than the first time period.
In an alternative embodiment of the present description, the third time period is inversely related to the frequency of the large payout in the user account history and positively related to the amount of the single maximum funds historically paid out to the associated account by the user account.
In an alternative embodiment of the present description, the acquisition module is in communication with an investment management platform.
In a second aspect, an embodiment of the present application further provides an electronic device, including:
a processor; and
a memory arranged to store computer executable instructions which, when executed, cause the processor to perform the steps performed by the system of the first aspect.
In a third aspect, embodiments of the present application also provide a computer-readable storage medium storing one or more programs, which when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the steps performed by the system of the first aspect.
The above at least one technical scheme adopted by the embodiment of the application can achieve the following beneficial effects:
according to the technical scheme, a technical means of a quantization processing model is adopted, so that the user corresponding to the user account is quantized, and the technical problem that the attribute difficult to quantitatively analyze cannot be understood by a computer is solved. Based on the information, the system in the specification predicts risks based on the quantized result and sends out information such as first risk prompt information based on the predicted result, so that a user corresponding to the user account can make a decision according to the prompt, and the user experience is improved. In addition, the technical solution in this specification focuses on the fact that the upcoming redemption of a target asset results in a user account balance being changed from possible, and provides guidance for whether the user account is suitable for redemption of the target asset from the perspective of the user account's own fund turnover. In this process, the historical expense and future asset redemption conditions of the user account are comprehensively considered to provide asset redemption risk assessment to the user on the premise that the user has sufficient turnaround funds in the future time period. The real fund environment is often difficult to fully anticipate, the system in the specification considers the worst case, namely, the user account is assumed to have no fund transfer in the future time period, the fund turnover of the user account can only be maintained by means of asset redemption, and in the worst case, whether the user account is possibly at risk of being inflexible in fund turnover is evaluated, and accordingly, risk prompt information is sent to the user. Therefore, the system in the specification does not recommend and spay asset items to the user uniformly, but combines the fund status of the user account, provides guidance for fund management of the user account, and is beneficial to improving user experience.
Drawings
The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the application and do not constitute a limitation on the application. In the drawings:
fig. 1 is a schematic structural diagram of an information display system based on a quantization processing model according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.
Detailed Description
The application will be described in further detail below with reference to the drawings by means of specific embodiments. Wherein like elements in different embodiments are numbered alike in association. In the following embodiments, numerous specific details are set forth in order to provide a better understanding of the present application. However, one skilled in the art will readily recognize that some of the features may be omitted, or replaced by other elements, materials, or methods in different situations. In some instances, related operations of the present application have not been shown or described in the specification in order to avoid obscuring the core portions of the present application, and may be unnecessary to persons skilled in the art from a detailed description of the related operations, which may be presented in the description and general knowledge of one skilled in the art.
Furthermore, the described features, operations, or characteristics of the description may be combined in any suitable manner in various embodiments. Also, various steps or acts in the method descriptions may be interchanged or modified in a manner apparent to those of ordinary skill in the art. Thus, the various orders in the description and drawings are for clarity of description of only certain embodiments, and are not meant to be required orders unless otherwise indicated.
The numbering of the components itself, e.g. "first", "second", etc., is used herein merely to distinguish between the described objects and does not have any sequential or technical meaning. The term "coupled" as used herein includes both direct and indirect coupling (coupling), unless otherwise indicated.
The following describes in detail the technical solutions provided by the embodiments of the present application with reference to the accompanying drawings.
With the development of economy, the awareness of asset management has matured, and an investment management platform is created on the market, which can be used to achieve the docking between users and asset management servers (e.g., finance companies). In most cases, the investment management platform does not have management qualification of an asset project (such as a financial product) with financial properties, but the investment management platform can provide services such as information display, transaction interfaces and the like of the asset project managed by the asset management server to users so as to realize smooth achievement of transactions with the asset management server.
In general, the investment management platform has a function of the asset management server, and more, the asset items provided by the asset management server are fully shown to the user to attract the user to complete the transaction through the investment management platform, however, not every transaction is beneficial to the user. On the one hand, the investment of the asset project can have a certain risk to a greater or lesser extent, and if the asset is a bad asset, the investment loss of the user can be possibly caused; on the other hand, the funds of the user cannot be completely used for the investment of the asset projects, and the demands of the funds on the investment of the asset projects, daily expenditure, turnover of the funds and the like are not ignored, and the demands often need the user to decide at the discretion. Just like the need of the user to find the way by himself in the running process of the vehicle, the burden of the user is increased on one hand, and errors are possible.
The present specification provides an information presentation system based on a quantization processing model, the system being configured at a client. The client in this specification may be an application running on a user's handheld terminal. Optionally, the acquisition module 100 of the system shown in FIG. 1 is in communication with an investment management platform.
The investment management platform may be comprised of several (one or more) servers with algorithm execution capabilities. The asset management server is used for managing asset projects. Asset items such as bonds, insurance financing, and the like. Optionally, the asset management server corresponds to the asset management company one by one. The client is used for interfacing with the user to communicate with the investment management platform according to the user's instructions. The user's assets are managed in the user account, while the investment management platform may manage the user account under certain rights (e.g., information presentation rights). In an alternative embodiment of the present description, the investment management platform may also be communicatively coupled to a bank account to facilitate the transfer of funds (e.g., withdrawals, transfers, etc.) between the user account and the bank account. In addition, the investment management platform may also be communicatively coupled to the merchant account to enable the transfer (e.g., consumption) of funds between the user account and the merchant account.
As shown in fig. 1, the information presentation system based on the quantization processing model in the present specification includes the following modules:
an acquisition module 100 configured to: under authorization of a user account, a redemption asset of the user account is determined. The acquisition module 100 in this specification has a communication function or a function of calling a communication resource.
A detection module 102 configured to: upon detecting that the redemption period of the redemption-requiring asset meets a preset condition, determining the redemption-requiring asset as a target asset. The system in this specification is applicable to situations where a user account has at least one asset to be redeemed. Illustratively, the client may contain a "financial" tab, upon entering a page corresponding to the financial tab based on user action (e.g., clicking), may view the status of each asset to be redeemed, such as redemption amount, redemption date, asset type (e.g., bond, insurance, etc.), and the like.
In the event that the redemption assets of the user account are not unique, the system of the present specification may be implemented for each redemption asset.
In an alternative embodiment of the present description, the preset condition may be a preset time condition, for example, 7 days, etc. Illustratively, if the redemption date for redemption of asset A is 7 days from the current time, then the preset condition is determined to be met. In addition, other ways of determining the preset conditions are described in the present specification, and other alternative embodiments will be described below.
Quantization module 104 configured to: determining a first quantized value based on a record of a small payout of the user account in a historical time period of a first time period from a current moment by adopting a preset quantized processing model; wherein the first quantization value is positively correlated with a total amount of the small payout, a frequency of the small payout, and a fluctuation amount of the small payout; determining a second quantized value based on a record of the large payout of the user account over a historical period of time that is a second duration from the current time; wherein the second quantitative value is positively correlated with a difference between a maximum payout in the record of the large payout and the balance of the user account, and with non-periodicity exhibited by each payout in the record of the large payout; and is associated with the type of each payout in the record of the large payout; determining a payout quantization value based on the first quantization value and the second quantization value; wherein the payout quantized value is positively correlated with both the first quantized value and the second quantized value; a third quantified value is determined, wherein the third quantified value is inversely related to the time period from the current time of the redemption period limits for all of the assets to be redeemed for the user account and positively related to the total amount of the assets to be redeemed for a future time period of a third time period from the current time.
In the related art, algorithms that can acquire attributes of a user account and calculate the attributes can be used as quantization models in the present specification. The quantization model in the present specification is a set of a series of sub-algorithms including a sub-algorithm capable of performing multiplication, a sub-algorithm capable of performing subtraction, and the like, and each sub-algorithm is called when a certain calculation target needs to be achieved. For example, the first quantization value is positively correlated with the fluctuation amount of the small payout, the total amount of the small payout, and the frequency of the small payout, and then a product of the fluctuation amount of the small payout, the total amount of the small payout, and the frequency of the small payout (the "product" is a calculation implemented by a sub-algorithm) may be used as the first quantization value.
The first quantitative value in this specification is used to characterize the situation of micropayment of a user account. The first quantization value is positively correlated with a total amount of the small payout, a frequency of the small payout, and a fluctuation amount of the small payout.
The amount of fluctuation is used to characterize the difference between the two small payouts over the first long historical period. In an alternative embodiment of the present description, the amount of fluctuation may be the difference between the maximum amount of the small payout and the minimum amount of the small payout divided by the average of the small payouts over the historical period of time. In another alternative embodiment of the present specification, the difference may be directly taken as the fluctuation amount.
In this specification, the determination of whether a transaction (including payout) record is large or small may be based on an empirically derived threshold, large being greater than the threshold and small being less than the threshold. In another alternative embodiment of the present description, the threshold may also be positively correlated with a single payout average of the user account over the last year, with an average of account balances over the last year, and with a difference between the current account balance and the average of account balances over the last year.
In an alternative embodiment of the present disclosure, the first time period may be a preset empirical value, such as one month, two months, etc. In another alternative embodiment of the present description, the first time period is inversely related to the credit of the user account and positively related to the balance of the user account. In the related art, the technical means for determining the credit of the user account are applicable to the specification under the condition of permission.
The second quantitative value in this specification is used to characterize the situation of a user account paid in large amounts. The second quantitative value is positively correlated with the difference between the maximum payout in the record of large payouts and the balance of the user account, and the non-periodicity exhibited by each payout in the record of large payouts; and is associated with the type of payout in the record of the large payout.
Illustratively, the user account has a large payout of 2 ten thousand yuan per month No. 5, and the large payout of the user account shows a strong periodicity. If the large amount of expenditure and the expenditure date of a user account are random and irregular, the aperiodicity is strong.
Quantification of the type of payout may be empirically formed. For example, the type of payment may be repayment, credit card repayment, consumption, etc. Wherein, the quantization value of repayment is highest, and the quantization value of consumption is lowest.
In an alternative embodiment of the present description, the second time period may be a preset empirical value, such as two months, one year, etc. In another alternative embodiment of the present specification, the second time period is positively correlated with the frequency of historically large spending for the user account, is positively correlated with the user account balance, and is greater than the first time period.
In this specification, a first quantized value and a second quantized value are synthesized while paying out a quantized value, and the paying out quantized value is positively correlated with both the first quantized value and the second quantized value. In an alternative embodiment of the present disclosure, the first quantized value and the second quantized value may be summed to obtain the payout quantized value. In another alternative embodiment of the present disclosure, the first quantized value and the second quantized value may be weighted by a preset weight value, and the weighted results may be summed to obtain the payout quantized value. Wherein the weight value is positively correlated with the amount of the small or large payout of each quantized value in its respective corresponding historical period, and the ratio of the amount of payout corresponding to the previous historical period.
The third quantified value in this specification is used to quantify the increase in account balance over a future period of time by way of asset redemption. The third quantified value is inversely related to the length of time from the current time of the redemption period limits for all of the assets to be redeemed for the user account (the lower the timeliness of increasing the account balance by redemption, the smaller the third quantified value) and positively related to the total amount of assets to be redeemed for a future time period from the current time of the third length of time (the higher the degree of increasing the account balance by redemption, the greater the third quantified value).
The account balance that is increased by way of redemption may continue to be used in the future to purchase the asset item, as well as for spending.
In an alternative embodiment of the present description, the third duration may be an empirical value, such as 2 months, one year, etc. In another alternative embodiment of the present specification, the third time period is inversely related to the frequency of the historical large payout for the user account (representing the probability that funds obtained to redeem the asset may be used for the large payout), and is positively related to the amount of the single maximum funds historically paid out to the associated account by the user account.
The associated account is an account that corresponds to the same user ID (e.g., identification number, cell phone number, etc.) as the user account and/or the associated account is an account that historically has a large amount of funds to and from the user account.
An information presentation module 106 configured to: displaying first risk prompt information through the client under the condition that the ratio of the expenditure quantized value to the third quantized value is larger than a preset ratio threshold; wherein the first risk cue information is used to characterize a fund turnover risk that would result if the target asset were not redeemed, to direct the user account to perform an operation on the target asset based on the first risk cue information.
In an alternative embodiment of the present description, the proportional threshold may be an empirical value. In another alternative embodiment of the present disclosure, the proportion threshold may be obtained by the type of the user account, and by way of example, the user account may be determined to be the main account of the user through the historical use condition of the user account, and the value of the proportion threshold may be higher; if it is determined that the user account is a non-primary account (which may be understood as a small number, a secondary number) for the user, the ratio threshold may be low.
The first risk cues in this specification are used to characterize the risk of funds turnover that results if the target asset is not redeemed. That is, the user does not have to decide by himself whether the asset needs to be redeemed or not, and the system gives instruction. In the driving process, the driver does not need to plan a route by himself, but can drive according to navigation. The ratio being greater than a predetermined ratio threshold, indicating a higher risk of the funds transfer, suggesting that the user redeem the asset to be redeemed to relieve future funds transfer pressure; the ratio being greater than a predetermined ratio threshold, indicates that the risk of turnover of funds is low. The first risk prompting message may be a short message, voice message, etc.
The technical scheme in the specification focuses on the situation that the balance of a user account is possibly changed due to the fact that the target asset is about to be redeemed, and provides guidance for whether the user account is suitable for redeeming the target asset or not according to the fund turnover situation of the user account. In this process, the historical expense and future asset redemption conditions of the user account are comprehensively considered to provide asset redemption risk assessment to the user on the premise that the user has sufficient turnaround funds in the future time period. The real fund environment is often difficult to fully anticipate, the system in the specification considers the worst case, namely, the user account is assumed to have no fund transfer in the future time period, the fund turnover of the user account can only be maintained by means of asset redemption, and in the worst case, whether the user account is possibly at risk of being inflexible in fund turnover is evaluated, and accordingly, risk prompt information is sent to the user. Therefore, the system in the specification does not recommend and spay asset items to the user uniformly, but combines the fund status of the user account, provides guidance for fund management of the user account, and is beneficial to improving user experience.
In an actual investment environment, users may be exposed to risks associated with the asset project itself, in addition to the risk of funds turnover. It will be appreciated that if the subject matter contained in the asset item is subject to default, a risk may be incurred.
In view of this, in an alternative embodiment of the present description, where the ratio of the payout quantized value to the third quantized value is not greater than a preset proportional threshold, indicating that a fund turnover risk is not currently the most significant risk, an estimated risk of an asset project to which the target asset belongs in a next investment period (the estimated risk may be provided by an investment manager of the asset project) may be obtained from the asset management server that manages the target asset. The risk bearing capacity of the user account is obtained (in the related art, the technical means for determining the risk bearing capacity of the user account is applicable to the specification if the conditions allow, for example, the risk bearing capacity of the user account can be obtained by questionnaire of the user account). And if the predicted risk is greater than the risk bearing capacity, sending a second risk prompt message to the user account. The second risk cue information is used to characterize the risk of a funds deficit resulting if the target asset is not redeemed (e.g., equity falls beyond the bearing capacity of the user account, etc.). The second risk prompt may be a short message, voice message, or the like.
How the target asset is determined in other alternative embodiments of the present description will now be described.
First, a specified duration is determined that is inversely related to the historical frequency of funds transfer (which may be transfers from other accounts, bank cards, etc.), the average transfer amount, and the balance of the user account (which characterizes the user account's current ability to handle funds transfer), and the amount of the last (which may or may not be a historically determined target asset) asset to be redeemed (the greater the amount, the greater the flexibility in indicating that the user account may use the asset's amount to handle funds transfer), the frequency of purchasing the last item of the asset to be redeemed (e.g., a financial product uniquely identified as Xaaaa) by the user account (which indicates that the item of the asset is not attractive to the user account). And if the redemption period of the assets to be redeemed is less than the specified duration, determining that the assets to be redeemed meet a preset condition. The redemption-to-asset is determined to be a target asset.
Fig. 2 is a schematic structural view of an electronic device according to an embodiment of the present application. Referring to fig. 2, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 2, but not only one bus or type of bus.
And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form an information display device based on the quantization processing model on a logic level. And the processor is used for executing the program stored in the memory and particularly used for executing any information display system based on the quantitative processing model.
The information presentation system based on the quantization processing model disclosed in the embodiment of fig. 1 of the present application can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above system may be implemented by integrated logic circuits of hardware in a processor or instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The disclosed systems, steps, and logic blocks in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the system disclosed in connection with the embodiments of the present application may be embodied directly in the execution of a hardware decoding processor, or in the execution of a combination of hardware and software modules in a decoding processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above system.
The electronic device may also execute an information display system based on the quantization processing model in fig. 1, and implement the functions of the embodiment shown in fig. 1, which is not described herein.
The embodiments of the present application also provide a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by an electronic device comprising a plurality of application programs, perform any of the foregoing quantization processing model-based information presentation systems.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or 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, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
It should also be noted that 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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The foregoing is merely exemplary of the present application and is not intended to limit the present application. Various modifications and variations of the present application will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. which come within the spirit and principles of the application are to be included in the scope of the claims of the present application.
Claims (9)
1. An information presentation system based on a quantization processing model, the system being configured at a client, the system comprising:
an acquisition module configured to: determining assets to be redeemed for a user account under authorization of the user account;
a detection module configured to: upon detecting that the redemption period of the redemption-requiring asset meets a preset condition, determining the redemption-requiring asset as a target asset;
a quantization module configured to: determining a first quantized value based on a record of a small payout of the user account in a historical time period of a first time period from a current moment by adopting a preset quantized processing model; wherein the first quantization value is positively correlated with a total amount of the small payout, a frequency of the small payout, and a fluctuation amount of the small payout; determining a second quantized value based on a record of the large payout of the user account over a historical period of time that is a second duration from the current time; wherein the second quantitative value is positively correlated with a difference between a maximum payout in the record of the large payout and the balance of the user account, and with non-periodicity exhibited by each payout in the record of the large payout; and is associated with the type of each payout in the record of the large payout; determining a payout quantization value based on the first quantization value and the second quantization value; wherein the payout quantized value is positively correlated with both the first quantized value and the second quantized value; determining a third quantified value, wherein the third quantified value is inversely related to the length of time from the current time for the redemption period limits for all of the assets to be redeemed for the user account and is positively related to the total amount of the assets to be redeemed for a future period of time that is a third length of time from the current time;
an information display module configured to: displaying first risk prompt information through the client under the condition that the ratio of the expenditure quantized value to the third quantized value is larger than a preset ratio threshold; wherein the first risk cue information is used to characterize a fund turnover risk that would result if the target asset were not redeemed, to direct the user account to perform an operation on the target asset based on the first risk cue information.
2. The system of claim 1, wherein the information presentation module is further configured to:
acquiring the predicted risk of the asset project to which the target asset belongs in the next investment period from an asset management server for managing the target asset under the condition that the ratio of the expenditure quantized value to the third quantized value is not greater than the ratio threshold;
acquiring the risk bearing capacity of the user account;
if the predicted risk is greater than the risk bearing capacity, displaying second risk prompt information through the client; wherein the second risk cue information is used to characterize a risk of a loss of funds resulting from the target asset not being redeemed to direct the user account to perform an operation on the target asset based on the second risk cue information.
3. The system of claim 1, wherein the detection module is specifically configured to:
determining a designated time length; the appointed duration is positively correlated with the historical fund transfer frequency, average transfer amount and balance of the user account, and is positively correlated with the amount of the last asset to be redeemed of the user account from the current moment, and is negatively correlated with the frequency of the user account purchasing the asset item of the last asset to be redeemed;
if the redemption period of the redemption asset is less than the specified duration, determining that the redemption asset meets the preset condition;
determining the redemption-to-asset as the target asset.
4. The system of claim 1, wherein the first time period is inversely related to the credit of the user account and positively related to the user account balance.
5. The system of claim 1, wherein the second time period is positively correlated with the frequency of the large payout in the user account history, positively correlated with the user account balance, and greater than the first time period.
6. The system of claim 1, wherein the third time period is inversely related to the frequency of the large payout in the user account history and positively related to the amount of a single maximum funds historically payout to an associated account by the user account.
7. The system of claim 1, wherein the acquisition module is in communication with an investment management platform.
8. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions which, when executed, cause the processor to perform the steps performed by the system of any of claims 1 to 7.
9. A computer readable storage medium storing one or more programs, which when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the steps performed by the system of any of claims 1-7.
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