CN117273947A - Intelligent fund fixed casting method and system - Google Patents

Abstract

The application discloses an intelligent fund fixed casting method and system, which can be applied to the field of cloud computing, the field of big data or the field of finance. Acquiring a fixed-throw combination strategy corresponding to the fixed-throw configuration operation of the fund of the user; determining a plurality of first funds from the respective funds according to the funds scope, and determining at least one second funds associated with each first funds; determining a third fund from the respective funds according to the bank fund sales; recommending at least one recommended fund selected from the respective second, third and fourth funds to the user; when detecting the selection operation of the user on each recommended fund, taking the recommended fund and each first fund corresponding to the selection operation as investment funds; generating a fund combination according to the fund combination name and each investment fund and the investment proportion thereof; and when responding to the account binding operation of the user on the fund combination, utilizing the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination to invest each investment fund.

Description

Intelligent fund fixed casting method and system

Technical Field

The invention relates to the technical field of finance, in particular to an intelligent fund fixed-casting method and system.

Background

With the continuous expansion of various banking businesses, various banks utilize mobile phone banks or apps to pay funds to customers to attract more customers.

At present, when a mobile phone bank or an App is used for carrying out fund fixed casting, each fund needs to be purchased independently, and clients need to set and operate the funds to be purchased one by one in advance, so that the fixed casting of the fund combination cannot be directly carried out, namely, a plurality of funds cannot be simultaneously cast; the conventional foundation fixed-casting function is single, and the actual investment requirements of the diversification of clients cannot be met.

Disclosure of Invention

In view of the above, the present invention provides a method, a system, an electronic device and a storage medium for intelligent fund allocation, which solve the problem that in the prior art, the fund allocation function is single and the actual investment needs of clients cannot be diversified in the market.

The first aspect of the application provides a fund intelligent fixed-casting method, which is applied to a mobile phone bank, and comprises the following steps:

responding to the fund definite casting configuration operation of the user, and acquiring a corresponding definite casting combination strategy; wherein the fixed-investment combination strategy comprises a fund combination name and a fund range;

determining a plurality of first funds from each of the funds according to the funds scope, and determining at least one second funds associated with each of the first funds;

Acquiring the sales of a bank fund, and determining a third fund from each fund according to the sales of the bank fund;

screening at least one recommended fund from the second fund, the third fund and the preset fourth fund, and recommending each recommended fund to the user;

when detecting the selection operation of the user on each recommended fund, taking the recommended fund corresponding to the selection operation and each first fund as investment funds;

acquiring the investment ratio configured by the user for each investment fund, and generating a fund combination according to the fund combination name and each investment fund and the investment ratio thereof;

when the account binding operation of the user on the fund combination is detected, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination.

Optionally, determining a plurality of first funds from the respective funds according to the funds scope, and determining at least one second funds associated with each of the first funds, including:

determining a first fund corresponding to each fund code within the scope of the fund from the respective fund, and determining a fund type and a metal fund company of each first fund;

For each first fund, determining at least one second fund related to the first fund from each first fund according to the fund type of the first fund and the fund company of the metal.

Optionally, obtaining a bank fund sales volume, and determining a third fund from each of the funds according to the bank fund sales volume, including:

acquiring a bank fund sales volume, wherein the bank fund sales volume comprises the fund sales volume of each fund;

and determining the fund with the highest sales amount in each fund as a third fund.

Optionally, screening a plurality of recommended funds from the second funds, the third funds and the preset fourth funds, and recommending each recommended funds to the user, including:

determining a sales ranking of each of the second fund and the fourth fund in the respective fund;

determining a recommendation score of each second fund according to a preset first weight, a sales ranking of the second fund, a preset second weight and a comparison result of the second fund and the fourth fund;

determining a recommendation score of the third fund according to a preset second weight, a comparison result of the third fund and each second fund and a comparison result of the third fund and the fourth fund;

Determining a recommendation score of a fourth fund according to a preset third weight, a sales ranking of the fourth fund, the second weight and a comparison result of the fourth fund and each second fund;

sorting the second funds, the third funds and the fourth funds according to the recommendation score of the second funds, the recommendation score of the third funds and the recommendation score of the fourth funds to obtain a fund sequence;

and determining each fund in the fund sequence before a preset ranking as a recommended fund, and recommending each recommended fund to the user.

Optionally, determining the recommended score of the second fund according to the first weight corresponding to the second fund, the comparison result of the second fund and the third fund, and the comparison result of the second fund and the fourth fund includes:

if the comparison result of the second fund and the fourth fund is that the second fund and the fourth fund are the same fund, calculating a recommendation score of the second fund according to a preset first weight, a sales ranking of the second fund, a preset second weight and a preset third weight;

If the comparison result of the fourth fund of the second fund is that the second fund and the fourth fund are not the same fund, calculating a recommendation score of the second fund according to a preset first weight, sales ranking of the second fund and a preset second weight.

Optionally, determining the recommendation score of the third fund according to the preset second weight, the comparison result of the third fund and each second fund, and the comparison result of the third fund and the fourth fund, includes:

if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, calculating a recommendation score of the third fund according to a first weight, a second weight and a third weight;

if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the second weight;

If the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the first weight and the second weight;

if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, calculating the recommendation score of the third fund according to the second weight and the third weight.

Optionally, determining the recommendation score of the fourth fund according to the preset third weight, the sales ranking of the fourth fund, the second weight and the comparison result of the fourth fund and each second fund includes:

if the comparison result of the fourth fund and each second fund is that the fourth fund is the fund in each second fund, calculating a recommendation score of the fourth fund according to a first weight, sales ordering of the fourth fund, the second weight and the third weight;

And if the comparison result of the fourth fund and each second fund is that the fourth fund is not the fund in each second fund, calculating a recommendation score of the fourth fund according to the second weight, the sales ordering of the fourth fund and the third weight.

Optionally, before each investment fund is invested by using the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination, the method further comprises;

for each of the investment funds in the fund combination, detecting in real time whether the investment funds exist corresponding investment conditions;

if the investment fund has investment conditions, judging whether the investment fund meets the investment conditions or not;

correspondingly, when detecting that the user performs account binding operation on the fund combination, using the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination to invest each investment fund comprises the following steps:

and when the account binding operation is detected to be carried out on the fund combination by the user and the investment funds meet the investment conditions, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment proportion of each investment fund in the fund combination.

The second aspect of the present application provides a fund intelligent fixed-cast system, applied to mobile banking, the system includes:

the fixed-throwing combination strategy acquisition unit is used for responding to the fund fixed-throwing configuration operation of the user and acquiring a corresponding fixed-throwing combination strategy; wherein the fixed-investment combination strategy comprises a fund combination name and a fund range;

a first determining unit, configured to determine a plurality of first funds from the respective funds according to the funds range, and determine at least one second funds related to each of the first funds;

the second determining unit is used for obtaining the sales volume of the bank funds and determining a third fund from the funds according to the sales volume of the bank funds;

the recommending unit is used for screening out a plurality of recommended funds from the second funds, the third funds and the preset fourth funds and recommending the recommended funds to the user;

a third determining unit, configured to, when detecting a selection operation of each recommended fund by the user, take the recommended fund and each first fund corresponding to the selection operation as investment funds;

a fund combination generating unit, configured to obtain an investment ratio configured by the user for each investment fund, and generate a fund combination according to the fund combination name and each investment fund and the investment ratio thereof;

And the investment unit is used for investing each investment fund by utilizing an account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination when the account binding operation of the user on the fund combination is detected.

Optionally, the first determining unit includes:

a fourth determining unit configured to determine, from respective funds, a first fund corresponding to each of the fund codes within the range of the funds, and determine a fund type and a metal fund company of each of the first funds;

a fifth determining unit, configured to determine, for each of the first funds, at least one second funds related to the first funds from each of the funds according to a type of the first funds and a company of the metal.

The invention provides an intelligent fund fixed-casting method and system, which are applied to a mobile phone bank and are used for obtaining a corresponding fixed-casting combination strategy by responding to fund fixed-casting configuration operation of a user; the fixed casting combination strategy comprises a fund combination name and a fund range; determining a plurality of first funds from the respective funds according to the funds scope, and determining at least one second funds associated with each first funds; acquiring the sales volume of the bank funds, and determining a third fund from each fund according to the sales volume of the bank funds; screening at least one recommended fund from the second fund, the third fund and the preset fourth fund, and recommending each recommended fund to a user; when detecting the selection operation of the user on each recommended fund, taking the recommended fund and each first fund corresponding to the selection operation as investment funds; acquiring the investment ratio configured by a user for each investment fund, and generating a fund combination according to the fund combination name and each investment fund and the investment ratio thereof; when the account binding operation of the user on the fund combination is detected, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment proportion of each investment fund in the fund combination. According to the technical scheme provided by the invention, the corresponding fixed-throwing combination strategy can be customized by a user, the corresponding fund combination is generated according to the fixed-throwing combination strategy customized by the user, and each investment fund in the fund combination is purchased for the user by one key, so that the fund investment experience of the user is improved, the actual investment requirements of the user in diversity are met, and the recommended fund related to the fixed-throwing combination strategy formulated by the user can be intelligently recommended to the user according to the fixed-throwing combination strategy formulated by the user, so that the fund which possibly is interested by the user is deeply excavated, the investment experience of the user is further improved, and the actual investment requirements of the user in diversity are met.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic flow chart of a method for intelligently fixing funds according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a system for intelligent fund distribution according to an embodiment of the present invention;

fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.

Detailed Description

The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

The term "including" and variations thereof as used herein are intended to be open-ended, i.e., including, but not limited to. The term "based on" is based at least in part on. The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments. Related definitions of other terms will be given in the description below.

It should be noted that the terms "first," "second," and the like in this disclosure are merely used for distinguishing between different devices, modules, or units and not for limiting the order or interdependence of the functions performed by these devices, modules, or units.

It should be noted that references to "one" or "a plurality" in this disclosure are intended to be illustrative rather than limiting, and those of ordinary skill in the art will appreciate that "one or more" is intended to be interpreted as "one or more" unless the context clearly indicates otherwise.

It should be noted that the fund intelligent fixed-casting method provided by the invention can be used in the field of cloud computing, the field of big data or the financial field. The foregoing is merely an example, and is not intended to limit the application field of the intelligent fund fixed casting method provided by the present invention.

Referring to fig. 1, a flow chart of an intelligent fund fixed-casting method provided by the embodiment of the invention is shown, the intelligent fund fixed-casting method is applied to a mobile banking, and the intelligent fund fixed-casting method specifically comprises the following steps:

s101: responding to the fund definite casting configuration operation of the user, and acquiring a corresponding definite casting combination strategy; the fixed throwing combination strategy comprises a fund combination name and a fund range.

In the embodiment of the application, when a user wants to perform fund investment, corresponding fund allocation operation can be performed through a client personal investment combination strategy allocation interface on a mobile phone bank; when detecting the fund allocation operation of the user, the mobile phone bank can acquire the allocation combination strategy corresponding to the fund allocation operation.

It should be noted that, the fixed-throw combination strategy at least comprises a fund combination name and a fund range; where the fund scope may include a fund code for each fund that the user wants to invest.

It should be further noted that, when configuring the corresponding fund scope, the user may also configure the investment ratio and the investment condition of the funds corresponding to each fund code in the generated fund combination, and the embodiment of the present application is not limited herein.

It should also be noted that the investment conditions may include investment amount, investment time, and investment frequency, etc., and the embodiments of the present application are not limited herein.

In this embodiment, the user may individually configure the corresponding fixed-throw combination policy through the customer personal investment combination policy configuration interface on the mobile banking, so as to meet the own actual investment requirement.

S102: a plurality of first funds are determined from the respective funds according to the extent of the funds, and at least one second funds associated with each first funds are determined.

In the process of specifically executing step S102, after the user-configured fixed-throw combination policy is obtained, a fund corresponding to each of the fund codes within the range of the fund may be determined from the respective funds set by the bank (for convenience of distinction, the fund corresponding to the fund code is referred to as a first fund), so as to further determine at least one second fund related to each first fund.

Optionally, the specific process of determining a plurality of first funds from each of the funds according to the range of the funds and determining at least one second funds associated with each of the first funds may be: determining a first fund corresponding to each fund code within the scope of the fund from the respective funds, and determining the fund type and the fund company of each first fund; for each first fund, determining at least one second fund related to the first fund from the respective funds according to the fund type of the first fund and the affiliated fund company.

In a specific application process, for each first fund, all funds under the fund type of the first fund in each fund can be used as second funds related to the first fund; and obtaining the fund sales of each fund under the foundation company to which the first fund belongs, and determining the first funds with higher fund sales so as to take the funds in the respective funds belonging to the bank arrangement in the first funds with higher fund sales as the second funds related to the first funds.

It should be noted that, the first several funds with higher fund sales may be the first three funds, the first four funds, etc. with higher fund sales, which are not limited in this embodiment.

It should also be noted that the fund types may be index fund types, strategy type fund types, industry fund types, currency fund types, etc., and the embodiments of the present application are not limited herein.

S103: and acquiring the sales quantity of the bank funds, and determining a third fund from the funds according to the sales quantity of the bank funds.

In the embodiment of the application, the sales of the bank funds in the bank can be obtained, wherein the sales of the bank funds comprise the sales of each fund; the fund with the highest sales in each fund is determined as the third fund.

In this embodiment, the fund with the highest sales amount in each fund may be regarded as the top-priced fund in the current banking market, and further, the top-priced fund in the current banking market may be regarded as the third fund.

In this embodiment of the present application, a fourth fund recommended by a bank may be further set from each fund, for example, the bank is currently configured with 10 funds, the fourth fund in the 10 funds may be used as the fourth fund recommended by the bank, and the determination condition of the fourth fund may be set according to practical application.

S104: and screening a plurality of recommended funds from the second funds, the third funds and the preset fourth funds, and recommending the recommended funds to the user.

In this embodiment of the present application, a first weight corresponding to a first fund corresponding to each fund code in the range of funds, a second weight corresponding to a third fund that is the hottest in the current banking market, and a third weight corresponding to a fourth fund that is preferably recommended by the bank may be preset. It should be noted that the first weights of the first funds corresponding to each of the fund codes in the fund range are equal.

It should be noted that, the first weight may be set to 0.5, the second weight may be set to 0.3, and the third weight may be set to 0.2, which may be set according to practical applications, which is not limited in this embodiment of the present application.

After determining the second, third and fourth funds, the step S104 is specifically performed, at least one recommended fund may be selected from the second, third and fourth funds according to the comparison result of the second, third and second weights, fourth and third weights, and the third and fourth funds, and the comparison result between the second, third and fourth funds, and the first recommended fund may be recommended to the user.

Optionally, the process of screening at least one recommended fund from each of the second fund, the third fund and the preset fourth fund and recommending each recommended fund to the user may specifically be: determining a sales ranking of each of the second fund and the fourth fund in the respective fund; determining a recommendation score of each second fund according to the preset first weight, the sales ranking of the second fund, the preset second weight and the comparison result of the second fund and the fourth fund; determining a recommendation score of the third fund according to a preset second weight, a comparison result of the third fund and each second fund and a comparison result of the third fund and the fourth fund; determining a recommendation score of the fourth fund according to the preset third weight, the sales ranking of the fourth fund, the second weight and the comparison result of the fourth fund and each second fund; sorting the second funds, the third funds and the fourth funds according to the recommendation score of the second funds, the recommendation score of the third funds and the recommendation score of the fourth funds to obtain a fund sequence; each fund in the sequence of funds preceding the preset ranking is determined to be a recommended fund and the respective recommended fund is recommended to the user.

It should be noted that the preset ranking may be third, fourth, fifth, etc., and the embodiments of the present application are not limited herein.

For example, a predetermined ranking may be fourth, and the funds preceding the fourth funds in the sequence of funds may be determined as recommended funds, i.e., the funds ranked as the first, second, and third corresponding funds in the sequence of funds may be determined as recommended funds.

As a specific real-time manner of the embodiment of the present application, for each second fund, it may be determined whether the comparison result of the second fund and the fourth fund is the same fund, and if the comparison result of the second fund and the fourth fund is the same fund, the recommendation score of the second fund is calculated according to the preset first weight, the sales ranking of the second fund, the preset second weight and the preset third weight; if the comparison result of the fourth fund of the second fund is that the second fund and the fourth fund are not the same fund, calculating a recommendation score of the second fund according to the preset first weight, the sales ranking of the second fund and the preset second weight.

In the specific application process, if the comparison result of the second fund and the fourth fund is that the second fund and the fourth fund are the same fund, the ranking weight corresponding to the sales ranking of the second fund can be multiplied by the second weight, and the product obtained is added with the first weight and then added with the third weight, so that the recommendation score of the second fund is obtained; if the comparison result of the fourth fund of the second fund is that the second fund and the fourth fund are not the same fund, multiplying the ranking weight corresponding to the sales ranking of the second fund by the second weight, and adding the first weight to the obtained product to obtain the score of the second fund.

For example, the first weight may be set to 0.5, the second weight may be set to 0.3, and the third weight may be set to 0.2; if the comparison result of the second fund and the fourth fund is that the second fund and the fourth fund are the same fund, and the corresponding weight of the sales ranking of the second fund is 0.7, the product of the sales ranking of the second fund and the ranking weight of the second fund can be multiplied by the second weight, the obtained product is added with the first weight, and then the third weight is added, namely 0.7 x 0.3+0.5+0.2, and the score of the second fund is 0.91.

As a specific implementation manner of the embodiment of the application, whether the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund and whether the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund can be judged;

if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, calculating the recommendation score of the third fund according to the first weight, the second weight and the third weight;

If the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the second weight;

if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the first weight and the second weight;

if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same, calculating the recommendation score of the third fund according to the second weight and the third weight.

In a specific application process, if the comparison result of the third fund and each second fund is that the third fund is a fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, the first weight, the second weight and the third weight can be added to obtain a recommendation score of the third fund; if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, directly taking the second weight as the score of the third fund;

If the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, adding the second weight to the first weight to obtain a recommendation score of the third fund; and if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, adding a third weight to the second weight, and obtaining the recommendation score of the third fund.

As a specific implementation manner of the embodiment of the application, determining whether the comparison result of the fourth fund and each second fund is that the fourth fund is the fund in each second fund; if the comparison result of the fourth fund and each second fund is that the fourth fund is the fund in each second fund, calculating a recommendation score of the fourth fund according to the first weight, the sales ordering of the fourth fund, the second weight and the third weight; if the comparison result of the fourth fund and each second fund is that the fourth fund is not the fund in each second fund, calculating the recommendation score of the fourth fund according to the second weight, the sales ordering of the fourth fund and the third weight.

In the specific application process, if the comparison result of the fourth fund and each second fund is that the fourth fund is the fund in each second fund, multiplying the ranking weight corresponding to the sales ranking of the fourth fund by the second weight, adding the first weight to the obtained product, and adding the third weight to the obtained product to obtain the recommendation score of the fourth fund; if the comparison result of the fourth fund and each second fund is that the fourth fund is not the fund in each second fund, multiplying the ranking weight corresponding to the sales ranking of the fourth fund by the second weight, and adding the third weight to the obtained product to obtain the score of the fourth fund.

For example, the first weight may be set to 0.5, the second weight may be set to 0.3, and the third weight may be set to 0.2; if the comparison result of the fourth fund and each second fund is that the fourth fund is not any fund in each second fund, and the corresponding weight of the sales ranking of the fourth fund is 0.8, then the product of the sales ranking of the fourth fund and the ranking weight of the fourth fund can be multiplied by the second weight, and the third weight is added to the obtained product, namely 0.8×0.3+0.2, so that the score of the fourth fund is 0.44.

S105: and when detecting the selection operation of the user on each recommended fund, taking the recommended fund and each first fund corresponding to the selection operation as investment funds.

In the specific execution of step S105, after recommending each recommended fund to the user, whether a user' S selection operation for each recommended fund exists currently may be detected in real time, and when the selection operation for each recommended fund of the user exists currently is detected, the recommended fund corresponding to the selection operation may be determined, and the recommended fund corresponding to the selection operation and the first fund corresponding to each fund code in the fund range may be used as the investment fund of the user.

It should be noted that, the user may select one recommended fund from the recommended funds as the investment fund, and may also select a plurality of recommended funds as the investment fund.

S106: the investment ratio of the user configured for each investment fund is obtained, and a fund combination is generated according to each investment fund and the investment ratio thereof according to the fund combination name.

In this embodiment of the present application, a user may further configure an investment ratio of a first fund corresponding to each fund code in the fund range while configuring the corresponding fund range, that is, the fixed-investment combination policy further includes the investment ratio of the first fund corresponding to each fund code; the user selects the corresponding recommended funds from the recommended funds, and simultaneously can configure the investment ratio of the selected recommended funds so as to obtain the investment ratio of each investment fund when the user selects the recommended funds corresponding to the operation and the first funds as the investment funds, and generate the corresponding fund combination according to the fund combination name and the investment ratio of each investment fund.

It should be noted that after generating the fund combination, whether the user fund deleting operation exists at present can be detected in real time, if the user fund deleting operation exists, the fund corresponding to the user fund deleting operation in the fund combination can be deleted from the fund combination, so that the generated fund combination is adjusted by the user, and the personalized investment requirement of the user is further met.

It should be noted that after the generation of the fund combination, whether the user fund adding operation exists at present can be detected in real time, if the user fund adding operation exists, the investment ratio of the fund corresponding to the user fund adding operation can be determined, the investment ratio of each investment fund in the fund combination is correspondingly adjusted according to the investment ratio adjustment of the user based on the investment ratio of the fund corresponding to the user fund adding operation, and the fund corresponding to the user fund adding operation and the investment ratio thereof are added into the fund combination, so that the adjustment of the user to the generated fund combination is realized, and the personalized investment requirement of the user is further satisfied.

It should be noted that after the generation of the fund combination, whether there is a fund name modification operation currently can be detected in real time, if there is a fund name modification operation, corresponding fund name modification information is obtained, and the fund combination name of the fund combination is modified by using the fund name modification information.

S107: when the account binding operation of the user on the fund combination is detected, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment proportion of each investment fund in the fund combination.

In the process of specifically executing step S107, after the fund combination is generated, whether the user performs an account binding operation on the fund combination currently exists or not may be detected in real time, when the user performs the account binding operation on the fund combination is detected, the account indicated by the account binding operation is bound with each investment fund in the fund combination, and each investment fund is invested by using the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination.

It should be noted that, the user may bind one account with the fund combination, or may bind multiple accounts with the fund combination, that is, the account binding operation may indicate one or multiple accounts, which is not limited in this embodiment of the present application.

In this embodiment, if the account binding operation further indicates a deduction sequence of each investment fund in the fund combination, the account corresponding to the account binding operation may be utilized to sequentially invest each investment fund in the fund combination based on the deduction sequence.

Further, in the embodiment of the present application, the user may further configure the investment condition of each investment fund while configuring the investment ratio of each investment fund, so as to determine, for each investment fund, whether the investment fund meets the investment condition of the investment fund after binding the account indicated by the account binding operation with each investment fund in the fund combination, and if the investment fund meets the investment condition of the investment fund, invest the investment fund by using the account indicated by the account binding operation.

It should be noted that the investment conditions may include investment frequency, investment time, and investment amount conditions of the investment fund; for example, the investment time may be 2023, 9, 20, 15 points, the investment frequency may be two weekly, the investment amount condition may be 20 ten thousand investments to the investment fund when the estimate of the investment fund reaches 50% of the history percentile, or 40 ten thousand investments to the investment fund when the estimate of the investment fund reaches 30% of the history percentile, and may be set according to the actual application, and the embodiment of the present application is not limited.

In this embodiment, after binding the corresponding account to each investment fund in the fund combination, if a unbinding operation of a user to a certain investment fund is detected, the unbinding operation is responded, and the account bound to the investment fund corresponding to the unbinding operation is unbinding.

In some embodiments, in the process of using the account indicated by the account operation to invest in the investment fund, that is, when the account indicated by the account binding operation is deducted based on the investment ratio and the investment amount condition of the investment fund, whether the amount in the account meets the amount corresponding to the investment ratio and the investment amount condition of the investment fund or not can be automatically checked, and if yes, the account can be directly deducted; if not, outputting corresponding deduction failure information to prompt the user that the investment of the investment fund fails.

In some embodiments, after each of the investment funds is invested by using the account corresponding to the account binding operation and the investment ratio of each of the investment funds in the fund combination, the profit and loss condition of the investment funds in a preset time period can be obtained for each of the investment funds, and according to the profit and loss condition analysis, the total investment funds, the total profit/loss amount, the profit/loss rate, and the like of the investment funds in the preset time period are displayed, so that the user can intuitively feel the profit and loss condition of the investment funds.

The invention provides an intelligent fixed-throwing method for funds, which is applied to a mobile banking, can enable a user to customize a corresponding fixed-throwing combination strategy individually, generate a corresponding fund combination according to the fixed-throwing combination strategy customized by the user, and buy each investment fund in the fund combination for the user by one key, thereby improving the fund investment experience of the user and meeting the actual investment needs of the user diversification.

Based on the intelligent fund fixed-throwing method disclosed by the embodiment of the invention, the embodiment of the invention correspondingly discloses an intelligent fund fixed-throwing system which is applied to a mobile phone bank, as shown in fig. 2, and comprises the following steps:

a fixed-throw combination strategy obtaining unit 21, configured to obtain a corresponding fixed-throw combination strategy in response to a fund fixed-throw configuration operation of a user; the fixed casting combination strategy comprises a fund combination name and a fund range;

A first determining unit 22, configured to determine a plurality of first funds from the respective funds according to the scope of the funds, and determine at least one second funds related to each first funds;

a second determining unit 23, configured to obtain a sales amount of the bank funds, and determine a third funds from the respective funds according to the sales amount of the bank funds;

a recommending unit 24, configured to screen out a plurality of recommended funds from the second funds, the third funds and the fourth funds set in advance, and recommend each recommended funds to the user;

a third determining unit 25, configured to, when detecting a selection operation of each recommended fund by a user, take the recommended fund and each first fund corresponding to the selection operation as investment funds;

a fund combination generation unit 26 for acquiring the investment ratio configured by the user for each investment fund and generating a fund combination according to the fund combination name and the respective investment fund and the investment ratio thereof;

and an investment unit 27 for, when detecting that the user performs an account binding operation on the fund combination, investing each investment fund by using the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination.

The specific principle and execution process of each unit in the intelligent fund fixed-casting system disclosed by the embodiment of the invention are the same as those of the intelligent fund fixed-casting method disclosed by the embodiment of the invention, and can be referred to the corresponding parts in the intelligent fund fixed-casting method disclosed by the embodiment of the invention, and the detailed description is omitted here.

The invention provides an intelligent fixed-throwing system for funds, which is applied to a mobile banking, can enable a user to customize a corresponding fixed-throwing combination strategy individually, generate a corresponding fund combination according to the fixed-throwing combination strategy customized by the user, and buy each investment fund in the fund combination for the user by one key, thereby improving the fund investment experience of the user and meeting the actual investment needs of the user diversification.

Optionally, the first determining unit includes:

a fourth determining unit for determining a first fund corresponding to each of the fund codes within the fund range from the respective funds, and determining a fund type and a metal fund company of each of the first funds;

a fifth determining unit, configured to determine, for each first fund, at least one second fund related to the first fund from among the respective funds according to the type of the first fund and the affiliated funds company.

Optionally, the second determining unit includes:

a bank fund sales amount acquisition unit configured to acquire bank fund sales amounts, where the bank fund sales amounts include a fund sales amount of each fund;

and the third fund determining unit is used for determining the fund with the highest fund sales in each fund as the third fund.

Optionally, the recommendation unit includes:

a sales ranking determining unit configured to determine sales ranks of each of the second fund and the fourth fund in the respective funds;

the first recommendation score determining unit is used for determining recommendation scores of the second funds according to the preset first weight, sales ranking of the second funds, the preset second weight and comparison results of the second funds and the fourth funds;

the second recommendation score determining unit is used for determining a recommendation score of the third fund according to the preset second weight, the comparison result of the third fund and each second fund and the comparison result of the third fund and the fourth fund;

the third recommendation score determining unit is used for determining a recommendation score of the fourth fund according to the preset third weight, the sales ranking of the fourth fund, the second weight and the comparison result of the fourth fund and each second fund;

The fund sequence determining unit is used for sequencing the second funds, the third funds and the fourth funds according to the recommendation score of the second funds, the recommendation score of the third funds and the recommendation score of the fourth funds to obtain a fund sequence;

and the recommending subunit is used for determining the funds which are positioned before the preset ranking in the fund sequence as recommended funds and recommending each recommended fund to the user.

Optionally, the first recommendation score determining unit includes:

the first calculating unit is used for calculating the recommendation score of the second fund according to the preset first weight, the sales ranking of the second fund, the preset second weight and the preset third weight if the comparison result of the second fund and the fourth fund is that the second fund and the fourth fund are the same fund;

and the second calculation unit is used for calculating the recommendation score of the second fund according to the preset first weight, the sales ranking of the second fund and the preset second weight if the comparison result of the fourth fund of the second fund is that the second fund and the fourth fund are not the same fund.

Optionally, the second recommendation score determining unit includes:

the third calculation unit is used for calculating the recommendation score of the third fund according to the first weight, the second weight and the third weight if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund;

The fourth calculation unit is used for calculating the recommendation score of the third fund according to the second weight if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund;

the fifth calculation unit is used for calculating the recommendation score of the third fund according to the first weight and the second weight if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund;

and the sixth calculation unit is used for calculating the recommendation score of the third fund according to the second weight and the third weight if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund.

Optionally, the third recommendation score determining unit includes:

a seventh calculating unit, configured to calculate a recommendation score of the fourth fund according to the first weight, the sales ordering of the fourth fund, the second weight, and the third weight if the comparison result of the fourth fund and each second fund is that the fourth fund is a fund in each second fund;

And the eighth calculation unit is used for calculating the recommendation score of the fourth fund according to the second weight, the sales ordering of the fourth fund and the third weight if the comparison result of the fourth fund and each second fund is that the fourth fund is not the fund in each second fund.

Optionally, the intelligent fund fixed-casting system provided by the invention further comprises:

the real-time detection unit is used for detecting whether the investment funds have corresponding investment conditions in real time for each investment fund in the fund combination;

the judging unit is used for judging whether the investment fund meets the investment conditions if the investment fund has the investment conditions;

correspondingly, the investment unit is further used for investing each investment fund by utilizing the account corresponding to the account binding operation and the investment proportion of each investment fund in the fund combination when the account binding operation of the user on the fund combination is detected and the investment fund meets the investment condition.

An embodiment of the present application provides an electronic device, as shown in fig. 3, where the electronic device includes a processor 301 and a memory 302, the memory 302 is used for storing program codes and data of intelligent fund allocation, and the processor 301 is used for calling program instructions in the memory to execute steps for implementing the intelligent fund allocation method in the foregoing embodiment.

The embodiment of the application provides a storage medium, which comprises a storage program, wherein when the program runs, equipment in which the storage medium is controlled to execute the fund intelligent fixed-casting method shown in the embodiment.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for a system or system embodiment, since it is substantially similar to a method embodiment, the description is relatively simple, with reference to the description of the method embodiment being made in part. The systems and system embodiments described above are merely illustrative, wherein elements illustrated as separate elements may or may not be physically separate, and elements shown as elements may or may not be physical elements, may be located in one place, or may be distributed over a plurality of network elements. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art will understand and implement the present invention without undue burden.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative elements and steps are described above generally in terms of functionality in order to clearly illustrate the interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

The foregoing is merely a preferred embodiment of the present invention and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present invention, which are intended to be comprehended within the scope of the present invention.

Claims (10)

1. An intelligent fund fixed throwing method is characterized by being applied to a mobile phone bank, and comprises the following steps:

responding to the fund definite casting configuration operation of the user, and acquiring a corresponding definite casting combination strategy; wherein the fixed-investment combination strategy comprises a fund combination name and a fund range;

determining a plurality of first funds from each of the funds according to the funds scope, and determining at least one second funds associated with each of the first funds;

acquiring the sales of a bank fund, and determining a third fund from each fund according to the sales of the bank fund;

screening at least one recommended fund from the second fund, the third fund and the preset fourth fund, and recommending each recommended fund to the user;

when detecting the selection operation of the user on each recommended fund, taking the recommended fund corresponding to the selection operation and each first fund as investment funds;

Acquiring the investment ratio configured by the user for each investment fund, and generating a fund combination according to the fund combination name and each investment fund and the investment ratio thereof;

when the account binding operation of the user on the fund combination is detected, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination.

2. The method of claim 1, wherein determining a plurality of first funds from each of the funds according to the range of funds and determining at least one second funds associated with each of the first funds comprises:

determining a first fund corresponding to each fund code within the scope of the fund from the respective fund, and determining a fund type and a metal fund company of each first fund;

for each first fund, determining at least one second fund related to the first fund from each first fund according to the fund type of the first fund and the fund company of the metal.

3. The method of claim 1, wherein obtaining a bank fund sales volume and determining a third fund from each of the funds based on the bank fund sales volume comprises:

Acquiring a bank fund sales volume, wherein the bank fund sales volume comprises the fund sales volume of each fund;

and determining the fund with the highest sales amount in each fund as a third fund.

4. The method of claim 1, wherein selecting a plurality of recommended funds from each of the second, third, and fourth funds, and recommending each of the recommended funds to the user, comprises:

determining a sales ranking of each of the second fund and the fourth fund in the respective fund;

determining a recommendation score of each second fund according to a preset first weight, a sales ranking of the second fund, a preset second weight and a comparison result of the second fund and the fourth fund;

determining a recommendation score of the third fund according to a preset second weight, a comparison result of the third fund and each second fund and a comparison result of the third fund and the fourth fund;

determining a recommendation score of a fourth fund according to a preset third weight, a sales ranking of the fourth fund, the second weight and a comparison result of the fourth fund and each second fund;

Sorting the second funds, the third funds and the fourth funds according to the recommendation score of the second funds, the recommendation score of the third funds and the recommendation score of the fourth funds to obtain a fund sequence;

and determining each fund in the fund sequence before a preset ranking as a recommended fund, and recommending each recommended fund to the user.

5. The method of claim 4, wherein determining the recommended score for the second fund based on the first weight corresponding to the second fund, the comparison of the second fund with the third fund, and the comparison of the second fund with the fourth fund comprises:

if the comparison result of the second fund and the fourth fund is that the second fund and the fourth fund are the same fund, calculating a recommendation score of the second fund according to a preset first weight, a sales ranking of the second fund, a preset second weight and a preset third weight;

if the comparison result of the fourth fund of the second fund is that the second fund and the fourth fund are not the same fund, calculating a recommendation score of the second fund according to a preset first weight, sales ranking of the second fund and a preset second weight.

6. The method of claim 4, wherein determining the recommended score for the third fund based on the comparison of the third fund to each of the second funds and the comparison of the third fund to the fourth fund according to a second weight set in advance comprises:

if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, calculating a recommendation score of the third fund according to a first weight, a second weight and a third weight;

if the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the second weight;

if the comparison result of the third fund and each second fund is that the third fund is the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are not the same fund, calculating a recommendation score of the third fund according to the first weight and the second weight;

If the comparison result of the third fund and each second fund is that the third fund is not the fund in each second fund, and the comparison result of the third fund and the fourth fund is that the third fund and the fourth fund are the same fund, calculating the recommendation score of the third fund according to the second weight and the third weight.

7. The method of claim 4, wherein determining a recommendation score for a fourth fund based on a pre-set third weight, a sales ranking for the fourth fund, the second weight, and a comparison of the fourth fund to each of the second funds, comprises:

if the comparison result of the fourth fund and each second fund is that the fourth fund is the fund in each second fund, calculating a recommendation score of the fourth fund according to a first weight, sales ordering of the fourth fund, the second weight and the third weight;

and if the comparison result of the fourth fund and each second fund is that the fourth fund is not the fund in each second fund, calculating a recommendation score of the fourth fund according to the second weight, the sales ordering of the fourth fund and the third weight.

8. The method of claim 1, wherein prior to investing each of the investment funds using an investment ratio of each of the investment funds in the account and fund combination corresponding to the account binding operation, the method further comprises;

for each of the investment funds in the fund combination, detecting in real time whether the investment funds exist corresponding investment conditions;

if the investment fund has investment conditions, judging whether the investment fund meets the investment conditions or not;

correspondingly, when detecting that the user performs account binding operation on the fund combination, using the account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination to invest each investment fund comprises the following steps:

and when the account binding operation is detected to be carried out on the fund combination by the user and the investment funds meet the investment conditions, each investment fund is invested by utilizing the account corresponding to the account binding operation and the investment proportion of each investment fund in the fund combination.

9. An intelligent fund fixed throwing system, which is characterized by being applied to a mobile phone bank, comprising:

The fixed-throwing combination strategy acquisition unit is used for responding to the fund fixed-throwing configuration operation of the user and acquiring a corresponding fixed-throwing combination strategy; wherein the fixed-investment combination strategy comprises a fund combination name and a fund range;

a first determining unit, configured to determine a plurality of first funds from the respective funds according to the funds range, and determine at least one second funds related to each of the first funds;

the second determining unit is used for obtaining the sales volume of the bank funds and determining a third fund from the funds according to the sales volume of the bank funds;

the recommending unit is used for screening out a plurality of recommended funds from the second funds, the third funds and the preset fourth funds and recommending the recommended funds to the user;

a third determining unit, configured to, when detecting a selection operation of each recommended fund by the user, take the recommended fund and each first fund corresponding to the selection operation as investment funds;

a fund combination generating unit, configured to obtain an investment ratio configured by the user for each investment fund, and generate a fund combination according to the fund combination name and each investment fund and the investment ratio thereof;

And the investment unit is used for investing each investment fund by utilizing an account corresponding to the account binding operation and the investment ratio of each investment fund in the fund combination when the account binding operation of the user on the fund combination is detected.

10. The system according to claim 9, wherein the first determining unit comprises:

a fourth determining unit configured to determine, from respective funds, a first fund corresponding to each of the fund codes within the range of the funds, and determine a fund type and a metal fund company of each of the first funds;

a fifth determining unit, configured to determine, for each of the first funds, at least one second funds related to the first funds from each of the funds according to a type of the first funds and a company of the metal.