CN117768850A

CN117768850A - Financial message pushing method and device, storage medium and electronic equipment

Info

Publication number: CN117768850A
Application number: CN202311814603.0A
Authority: CN
Inventors: 符钰婧
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-12-26
Filing date: 2023-12-26
Publication date: 2024-03-26

Abstract

The application discloses a pushing method and device of financial information, a storage medium and electronic equipment, and relates to the field of artificial intelligence, the field of financial science and technology and other related fields. The method comprises the following steps: acquiring target financial information and target data information to be pushed, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information; constructing a first digital twin network according to the information of the fund flow directions among the first objects and the first digital twin; predicting target fund flow information between first objects according to a first digital twin network to obtain a first prediction result; and determining a first target object according to the first prediction result, and pushing the target financial message to the first target object. According to the method and the device, the problem that in the related art, a target enterprise with frequent fund flow is determined in a manual mode, financial information is pushed to the target enterprise, and accuracy of the pushed financial information is low is solved.

Description

Financial message pushing method and device, storage medium and electronic equipment

Technical Field

The application relates to the field of artificial intelligence, the field of financial science and technology and other related fields, and in particular relates to a pushing method and device of financial information, a storage medium and electronic equipment.

Background

In order to popularize target financial applications developed by financial institutions, potential target customers are mined, account information of enterprises needs to be analyzed to determine whether the enterprises have requirements for using the target financial applications, and if the enterprises have requirements for using the target financial applications, messages related to the target financial applications are pushed to the enterprises. In the related art, account information of enterprises is analyzed by staff of a financial institution, a target enterprise with frequent fund flow is determined, and financial information is pushed to the target enterprise.

Aiming at the problems that in the related art, account information of a plurality of enterprises is analyzed manually to determine a target enterprise with frequent fund flow and financial information is pushed to the target enterprise, so that the accuracy of pushing the financial information is low, no effective solution is proposed at present.

Disclosure of Invention

The main purpose of the application is to provide a method and a device for pushing financial information, a storage medium and electronic equipment, so as to solve the problems that in the related art, account information of a plurality of enterprises is analyzed manually to determine a target enterprise with frequent fund flow, and financial information is pushed to the target enterprise, so that the accuracy of pushing the financial information is lower.

In order to achieve the above object, according to one aspect of the present application, there is provided a pushing method of a financial message. The method comprises the following steps: acquiring target financial information to be pushed and target data information in a target database, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; acquiring fund flow direction information between the first objects, and constructing a first digital twin network according to the fund flow direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; predicting target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing a first flow frequency of funds of the first objects; and determining a first target object according to the first prediction result, and pushing the target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

Further, constructing a first digital twin corresponding to the plurality of first objects according to the target data information includes: determining target account information of the first digital twin body according to the first account information in the target data information; determining target position information of the first digital twin body according to first position information in the target data information; and constructing the first digital twin body according to the target account information and the target position information.

Further, constructing a first digital twin network based on the funds flow direction information and the first digital twin comprises: determining a target fund flow direction between the first digital twins according to the fund flow direction information; establishing a corresponding relationship between the first digital twins according to the target fund flowing direction; and constructing the first digital twin network according to the corresponding relation.

Further, predicting, according to the first digital twin network, the target fund flow information between the first objects, where obtaining a first prediction result includes: calculating the historical throughput of funds of the first object according to a first preset duration and the first account information; calculating the predicted throughput of funds in the first digital twin network according to a second preset duration and the target account information; determining target funds flow information between the first objects in accordance with the historical throughput, the predicted throughput and the predicted funds flow information in the first digital twin network; and determining the first prediction result according to the first flow frequency in the target fund flow information.

Further, determining target funds flow information between the first objects in dependence upon the historical throughput, the predicted throughput, and predicted funds flow information in the first digital twin network comprises: judging whether a target difference value between the historical throughput and the predicted throughput is smaller than a second preset value or not, and obtaining a first judgment result, wherein the second preset value is used for representing that funds in the first digital twin network flow normally; if the first judgment result represents that the target difference value is smaller than the second preset value, judging whether the predicted throughput is smaller than a third preset value or not, and obtaining a second judgment result, wherein the third preset value is a throughput threshold corresponding to the first object; and if the second judgment result represents that the predicted throughput is smaller than the third preset value, determining target fund flow information between the first objects according to the predicted fund flow information between the first digital twin bodies in the first digital twin network.

Further, determining the first target object according to the first prediction result includes: judging whether a second flow frequency larger than the first preset value exists in the first flow frequency according to the first prediction result to obtain a third judgment result; and if the third judging result indicates that the second flow frequency exists in the first flow frequency, determining a first object corresponding to the second flow frequency as the first target object.

Further, after determining the first target object according to the first prediction result, the method further includes: judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database; if the second object exists, acquiring second account information and second position information of the second object, and constructing a second digital twin corresponding to the second object according to the second account information and the second position information; constructing a second digital twin network according to the second digital twin and the first digital twin network; and determining a second target object according to the second digital twin network, and pushing the target financial message to the second target object.

In order to achieve the above object, according to another aspect of the present application, there is provided a pushing device for financial messages. The device comprises: the first construction unit is used for acquiring target financial information to be pushed and target data information in a target database, and constructing a first digital twin body corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; the second construction unit is used for acquiring the fund flowing direction information between the first objects and constructing a first digital twin network according to the fund flowing direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flowing information between the first objects; the prediction unit is used for predicting the target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing the first flow frequency of the funds of the first objects; and the first pushing unit is used for determining a first target object according to the first prediction result and pushing the target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

Further, the first building unit includes: the first determining module is used for determining target account information of the first digital twin body according to first account information in the target data information; the second determining module is used for determining the target position information of the first digital twin body according to the first position information in the target data information; and the first construction module is used for constructing the first digital twin body according to the target account information and the target position information.

Further, the second building unit includes: a third determining module configured to determine a target fund flow direction between the first digital twins according to the fund flow direction information; the establishing module is used for establishing a corresponding relation between the first digital twin bodies according to the target fund flowing direction; and the second construction module is used for constructing the first digital twin network according to the corresponding relation.

Further, the prediction unit includes: the first calculation module is used for calculating the historical throughput of the funds of the first object according to a first preset duration and the first account information; the second calculation module is used for calculating the predicted throughput of the funds in the first digital twin network according to a second preset duration and the target account information; a fourth determining module configured to determine target fund flow information between the first objects based on the historical throughput, the predicted throughput, and predicted fund flow information in the first digital twin network; and a fifth determining module, configured to determine the first prediction result according to the first flow frequency in the target funds flow information.

Further, the fourth determining module includes: a first judging sub-module, configured to judge whether a target difference between the historical throughput and the predicted throughput is smaller than a second preset value, to obtain a first judging result, where the second preset value is used to represent that funds in the first digital twin network flow normally; the second judging sub-module is used for judging whether the predicted throughput is smaller than a third preset value or not if the first judging result represents that the target difference is smaller than the second preset value, so as to obtain a second judging result, wherein the third preset value is a throughput threshold corresponding to the first object; and the determining submodule is used for determining target fund flow information between the first objects according to the predicted fund flow information between the first digital twin bodies in the first digital twin network if the second judging result represents that the predicted throughput is smaller than the third preset value.

Further, the first pushing unit includes: the judging module is used for judging whether a second flow frequency larger than the first preset value exists in the first flow frequency according to the first prediction result to obtain a third judgment result; and a sixth determining module, configured to determine, if the third determination result indicates that the second flow frequency exists in the first flow frequency, a first object corresponding to the second flow frequency as the first target object.

Further, the apparatus further comprises: the judging unit is used for judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database; a third construction unit, configured to acquire second account information and second location information of the second object if the second object exists, and construct a second digital twin corresponding to the second object according to the second account information and the second location information; a fourth construction unit, configured to construct a second digital twin network according to the second digital twin and the first digital twin network; and the second pushing unit is used for determining a second target object according to the second digital twin network and pushing the target financial message to the second target object.

In order to achieve the above object, according to an aspect of the present application, there is provided a computer-readable storage medium storing a program, wherein the program, when run, controls a device in which the storage medium is located to perform the pushing method of the financial message of any one of the above.

In order to achieve the above object, according to another aspect of the present application, there is further provided an electronic device, including one or more processors and a memory, where the memory is configured to store a pushing method for implementing the financial message according to any one of the above embodiments by the one or more processors.

Through the application, the following steps are adopted: acquiring target financial information to be pushed and target data information in a target database, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; acquiring fund flow direction information between first objects, and constructing a first digital twin network according to the fund flow direction information and a first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; predicting target fund flow information between first objects according to a first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing first flow frequency of funds of the first objects; according to a first prediction result, a first target object is determined, and target financial information is pushed to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value, and the problem that in the related art, account information of a plurality of enterprises is manually analyzed to determine target enterprises with frequent fund flowing, and financial information is pushed to the target enterprises, so that accuracy of the pushed financial information is low is solved. In the method, the target fund flow information among the first objects is predicted through the digital twin network, the first target objects are determined according to the comparison result of the first fund flow frequency and the first preset number in the prediction result, and the target financial information is pushed to the first target objects, so that the accuracy of determining the first target objects is improved, and the effect of improving the pushing accuracy of the target financial information is achieved.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application, illustrate and explain the application and are not to be construed as limiting the application. In the drawings:

fig. 1 is a flowchart of a pushing method of a financial message according to an embodiment of the present application;

fig. 2 is a second flowchart of a pushing method of a financial message according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a pushing device for financial messages provided according to an embodiment of the present application;

fig. 4 is a schematic diagram of an electronic device provided according to an embodiment of the present application.

Detailed Description

It should be noted that, in the case of no conflict, the embodiments and features in the embodiments may be combined with each other. The present application will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate in order to describe the embodiments of the present application described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be noted that, related information (including, but not limited to, user equipment information, user personal information, etc.) and data (including, but not limited to, data for presentation, analyzed data, etc.) related to the present disclosure are information and data authorized by a user or sufficiently authorized by each party. For example, an interface is provided between the system and the relevant user or institution, before acquiring the relevant information, the system needs to send an acquisition request to the user or institution through the interface, and acquire the relevant information after receiving the consent information fed back by the user or institution.

The present invention is described below in connection with preferred implementation steps, and fig. 1 is a flowchart of a method for pushing a financial message according to an embodiment of the present application, as shown in fig. 1, where the method includes the following steps:

step S101, acquiring target financial information to be pushed and target data information in a target database, and constructing a first digital twin body corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects.

For example, the target financial information to be pushed and the target data information in the target database are acquired first, where the target financial information may be a detailed description of an application produced by a financial institution, and the target database includes data information of multiple enterprises. After the target data information is acquired, a first digital twin corresponding to a plurality of enterprises (namely the first objects) is constructed according to the target data information, the first digital twin is the mapping of the enterprises in the virtual world, and the operation business conditions of the enterprises in the real world can be simulated through the first digital twin.

Step S102, acquiring the fund flowing direction information between the first objects, and constructing a first digital twin network according to the fund flowing direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flowing information between the first objects.

For example, the funding flow direction information between the first objects is acquired, and the plurality of first digital twins are associated according to the funding flow information between the first objects, so as to construct a first digital twins network, through which the target funding flow information between the plurality of first objects can be simulated.

Step S103, predicting target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing the first flow frequency of the funds of the first objects.

For example, according to business operation conditions of a plurality of first digital twin bodies in the first digital twin network, target fund flow information among the plurality of first objects is predicted, and a first prediction result is obtained.

Step S104, determining a first target object according to the first prediction result, and pushing a target financial message to the first target object, wherein the fund flowing frequency of the first target object is greater than a first preset value.

For example, according to the first flow frequency of the funds of the first object in the first prediction result, whether the first flow frequency is greater than a first preset value is judged, the object with the flow frequency of the funds greater than the first preset value in the first object is determined as a first target object, and then the acquired target financial information is pushed to the first target object.

In summary, in the application, the target fund flowing information between the first objects is predicted through the digital twin network, the first target object is determined according to the comparison result of the first fund flowing frequency and the first preset number in the prediction result, and the target financial information is pushed to the first target object, so that the accuracy of determining the first target object is improved, and the effect of improving the pushing accuracy of the target financial information is further achieved.

Optionally, in the pushing method of financial messages provided in the embodiment of the present application, constructing, according to the target data information, a first digital twin corresponding to the plurality of first objects includes: determining target account information of a first digital twin body according to the first account information in the target data information; determining target position information of a first digital twin body according to first position information in the target data information; and constructing a first digital twin body according to the target account information and the target position information.

For example, the target account information corresponding to each first digital twin body is determined according to the first account information in the obtained target data information, the target account information can include information such as account amount, account flowing water and the like of the first object, meanwhile, the target position information of the first digital twin body is determined according to the position information of each first object in the target data information, and then the first digital twin body corresponding to each first object is created according to the determined target account information and the target position information.

The first digital twin body is constructed according to the target data information, so that the first digital twin body can simulate business operation conditions of the first object, account information of the first object is automatically analyzed, the account information of the first object is prevented from being analyzed in a manual mode, and therefore the efficiency of analyzing the account information of the first object is improved.

Optionally, in the pushing method of the financial message provided in the embodiment of the present application, constructing the first digital twin network according to the information of the flowing direction of the funds and the first digital twin body includes: determining a target fund flow direction between the first digital twins according to the fund flow direction information; establishing a corresponding relation between the first digital twin bodies according to the target fund flowing direction; and constructing a first digital twin network according to the corresponding relation.

For example, the target fund flow direction between the first digital twin is determined according to the fund flow direction information, for example, in the real world, the fund flow direction information among the object 1, the object 2 and the object 3 in the first object is the fund flow direction object 2 of the object 1, the fund flow direction object 3 of the object 2 and the fund flow direction object 1 of the object 3, and then the corresponding target fund flow direction between the digital twin 1, the digital twin 2 and the digital twin 3 is the fund flow direction of the digital twin 1, the fund flow direction of the digital twin 2 is the fund flow direction of the digital twin 2, the fund flow direction of the digital twin 3 and the fund flow direction of the digital twin 1 of the digital twin 3. And then, according to the determined target fund flowing direction, establishing a corresponding relation among a plurality of first digital twin bodies, and according to the corresponding relation, associating the plurality of first digital twin bodies to construct a first digital twin network.

According to the fund flowing direction information among the first objects, the target fund flowing directions among a plurality of first digital twin bodies are determined, and a first digital twin network is constructed according to the target fund flowing directions, so that the first digital twin network can accurately simulate the fund flowing among the first objects, and the accuracy of simulating the fund flowing among the first objects is improved.

Optionally, in the method for pushing a financial message provided in the embodiment of the present application, predicting, according to the first digital twin network, the target fund flow information between the first objects, the obtaining a first prediction result includes: calculating the historical throughput of funds of the first object according to the first preset duration and the first account information; calculating the predicted throughput of funds in the first digital twin network according to the second preset duration and the target account information; determining target funds flow information between the first objects according to the historical throughput, the predicted throughput and the predicted funds flow information in the first digital twin network; a first outcome is determined based on the first flow frequency in the target funds flow information.

For example, a historical throughput of funds of the first object is calculated according to a first preset duration (for example, one hour) and account information of a plurality of first objects, then a predicted throughput of funds in the first digital twin network is calculated according to a second preset duration (for example, 30 minutes) and target account information of a plurality of first digital twin bodies in the first digital twin network, then target funds flow information among the first objects is determined according to the calculated historical throughput, the predicted throughput and the predicted funds flow information in the first digital twin network, and a first prediction result is determined according to a first flow frequency in the target funds flow information, wherein the target funds flow information can include information such as an amount of funds flow, time for generating funds flow, frequency of funds flow and the like.

By calculating the historical throughput between the first objects and the predicted throughput in the first digital twin network, the accuracy of predicting the target fund flow information between the first objects can be judged, so that the accuracy of predicting the target fund flow information between the first objects by the first digital twin network is improved.

Optionally, in the method for pushing a financial message provided in the embodiment of the present application, determining the target funds flow information between the first objects according to the historical throughput, the predicted throughput and the predicted funds flow information in the first digital twin network includes: judging whether a target difference value between the historical throughput and the predicted throughput is smaller than a second preset value or not, and obtaining a first judgment result, wherein the second preset value is used for representing that funds in the first digital twin network flow normally; if the first judgment result represents that the target difference value is smaller than a second preset value, judging whether the predicted throughput is smaller than a third preset value or not, and obtaining a second judgment result, wherein the third preset value is a throughput threshold corresponding to the first object; and if the second judgment result represents that the predicted throughput is smaller than a third preset value, determining target fund flow information between the first objects according to the predicted fund flow information between the first digital twin bodies in the first digital twin network.

For example, it is determined whether a target difference between the historical throughput and the predicted throughput is less than a second preset value (e.g., 5 ten thousand), if the target difference between the historical throughput and the predicted throughput is less than the second preset value, it indicates that the funds flow between the plurality of first digital twins in the first digital twin network is normal, if the target difference between the historical throughput and the predicted throughput is greater than or equal to the second preset value, it indicates that an abnormal condition occurs in the funds flow between the plurality of first digital twins, it is necessary to stop the operation of the first digital twin network, and adjust the first digital twin network.

And under the condition that the target difference between the historical throughput and the predicted throughput is smaller than a second preset value, continuously judging whether the predicted throughput is smaller than a third preset value to obtain a second judging result, wherein the third preset value represents the maximum throughput which can be born by the first object, if the predicted throughput is smaller than the third preset value, the predicted result of the first digital twin network is valid, and if the predicted throughput is larger than or equal to the third preset value, the predicted result of the first digital twin network is invalid, and if the capital throughput in the first digital twin network exceeds the maximum throughput which can be born by the first object, the first digital twin network needs to be adjusted and re-predicted.

And under the condition that the predicted throughput is smaller than a third preset value, determining target fund flow information between the first target objects according to the predicted fund flow information between the first digital twin bodies in the first digital twin network.

And the fund flow information in the first digital twin network is evaluated through the second preset value and the third preset value, so that the effectiveness of the fund flow information obtained through the prediction of the first digital twin network is ensured, and the prediction accuracy of the first digital twin network is improved.

Optionally, in the pushing method of the financial message provided in the embodiment of the present application, determining, according to the first prediction result, the first target object includes: judging whether a second flow frequency larger than a first preset value exists in the first flow frequency according to the first prediction result to obtain a third judgment result; and if the third judgment result indicates that the second flow frequency exists in the first flow frequency, determining the first object corresponding to the second flow frequency as the first target object.

For example, according to the first flow frequency in the first prediction result, whether a second flow frequency greater than a first preset value (for example, 5 ten thousand per hour) exists in the first flow frequency is judged, a third judgment result is obtained, and when the third judgment result indicates that the second flow frequency exists in the first flow frequency, the second flow frequency is determined to correspond to the first object as the first target object.

By carrying out statistics and judgment on the first flow frequency in the first prediction result, determining a first object with the fund flow frequency larger than a first preset value as a first target object, and subsequently pushing financial information to the first target object, the accuracy of financial information pushing is improved.

Optionally, in the pushing method of the financial message provided in the embodiment of the present application, after determining the first target object according to the first prediction result, the method further includes: judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database; if the second object exists, acquiring second account information and second position information of the second object, and constructing a second digital twin corresponding to the second object according to the second account information and the second position information; constructing a second digital twin network according to the second digital twin and the first digital twin network; and determining a second target object according to the second digital twin network, and pushing the target financial message to the second target object.

For example, whether a newly added second object, namely a new user of the financial application, exists is judged according to the data information stored and recorded in the target database, if the second object exists, second account information and second position information of the second object are obtained, meanwhile, a second digital twin corresponding to the second object is constructed according to the second account information and the second position information, then, an association relation between the second digital twin and a first digital twin in the first digital twin network is established according to the fund flow direction information of the second object, the second digital twin network is constructed according to the association relation, then, the fund flow information between the first object and the second object is predicted by running the second digital twin network, and the second target object in the second twin network is determined according to the prediction result.

By detecting the target data information in the target database in real time, when a newly added second object exists in the target database, a second digital twin network comprising the second object is constructed, and the new target object is determined through the second digital twin network, so that the accuracy of determining the target object is improved, and the accuracy of pushing the financial information is further improved.

In an alternative embodiment, the pushing of the financial message may be implemented by the method shown in fig. 2, which is specifically as follows: firstly, acquiring target financial information to be pushed and target data information stored in a target database, and constructing a digital twin body according to the target data information, wherein the target financial information can be application information of a target financial application, and funds transaction among enterprises, hospitals, financial institutions and related departments can be realized through the target financial application in a public and transparent manner. And acquiring the information of the fund flow direction among enterprises, hospitals, financial institutions and related departments. For example, from a hospital to an enterprise, from an enterprise to a related department, from a related department to a financial institution, from a financial institution to a hospital, and according to the fund flow direction information, an association relationship between each digital twin is determined, and a digital twin network is constructed according to the association relationship.

And predicting the fund flow information in the digital twin network by running the digital twin network to obtain the fund flow information among each digital twin, judging whether the digital twin network runs normally or not by calculating the predicted fund throughput in the digital twin network and the historical fund throughput among enterprises, hospitals, financial institutions and related departments, determining the enterprises corresponding to the digital twin with the fund flow frequency larger than a threshold value as target enterprises under the condition that the digital twin network runs normally, and pushing target financial information to the target enterprises.

And finally, detecting whether a new enterprise exists in the target database in real time, if so, constructing a digital twin body of the new enterprise, adding the new digital twin body into the original digital twin network according to the fund flow direction information of the new enterprise, reconstructing the digital twin network, re-determining the target enterprise according to the new digital twin network, and pushing a target financial message to the target enterprise.

According to the financial message pushing method, target financial messages to be pushed and target data information in a target database are obtained, and first digital twins corresponding to a plurality of first objects are constructed according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; acquiring fund flow direction information between first objects, and constructing a first digital twin network according to the fund flow direction information and a first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; predicting target fund flow information between first objects according to a first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing first flow frequency of funds of the first objects; according to a first prediction result, a first target object is determined, and target financial information is pushed to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value, and the problem that in the related art, account information of a plurality of enterprises is manually analyzed to determine target enterprises with frequent fund flowing, and financial information is pushed to the target enterprises, so that accuracy of the pushed financial information is low is solved. In the method, the target fund flow information among the first objects is predicted through the digital twin network, the first target objects are determined according to the comparison result of the first fund flow frequency and the first preset number in the prediction result, and the target financial information is pushed to the first target objects, so that the accuracy of determining the first target objects is improved, and the effect of improving the pushing accuracy of the target financial information is achieved.

It should be noted that the steps illustrated in the flowcharts of the figures may be performed in a computer system such as a set of computer executable instructions, and that although a logical order is illustrated in the flowcharts, in some cases the steps illustrated or described may be performed in an order other than that illustrated herein.

The embodiment of the application also provides a pushing device for the financial message, and it should be noted that the pushing device for the financial message in the embodiment of the application can be used for executing the pushing method for the financial message provided in the embodiment of the application. The following describes a pushing device for financial messages provided in the embodiments of the present application.

Fig. 3 is a schematic diagram of a pushing device of financial messages according to an embodiment of the present application. As shown in fig. 3, the apparatus includes: a first building unit 301, a second building unit 302, a prediction unit 303 and a first pushing unit 304.

The first construction unit 301 is configured to obtain a target financial message to be pushed and target data information in a target database, and construct a first digital twin body corresponding to a plurality of first objects according to the target data information, where the target data information at least includes first account information and first location information of the plurality of first objects;

A second construction unit 302, configured to obtain information of a fund flowing direction between the first objects, and construct a first digital twin network according to the information of the fund flowing direction and the first digital twin, where the first digital twin network is used to simulate target fund flowing information between the first objects;

a prediction unit 303, configured to predict, according to the first digital twin network, the target funds flow information between the first objects to obtain a first prediction result, where the first prediction result is used to characterize a first flow frequency of funds of the first objects;

the first pushing unit 304 is configured to determine a first target object according to the first prediction result, and push a target financial message to the first target object, where a fund flowing frequency of the first target object is greater than a first preset value.

According to the financial message pushing device provided by the embodiment of the application, through the first construction unit 301, the target financial message to be pushed and target data information in the target database are obtained, and first digital twin bodies corresponding to a plurality of first objects are constructed according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; the second construction unit 302 acquires the fund flow direction information between the first objects, and constructs a first digital twin network according to the fund flow direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; the prediction unit 303 predicts the target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing the first flow frequency of the funds of the first objects; the first pushing unit 304 determines a first target object according to a first prediction result, and pushes a target financial message to the first target object, wherein the fund flowing frequency of the first target object is greater than a first preset value, so that the problem that in the related art, the account information of a plurality of enterprises is manually analyzed to determine a target enterprise with frequent fund flowing, and the financial message is pushed to the target enterprise, so that the accuracy of pushing the financial message is lower is solved.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the first construction unit 301 includes: the first determining module is used for determining target account information of the first digital twin body according to the first account information in the target data information; the second determining module is used for determining target position information of the first digital twin body according to the first position information in the target data information; the first construction module is used for constructing a first digital twin body according to the target account information and the target position information.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the second construction unit 302 includes: a third determining module for determining a target fund flow direction between the first digital twins according to the fund flow direction information; the establishing module is used for establishing a corresponding relation between the first digital twin bodies according to the target fund flowing direction; the second construction module is used for constructing the first digital twin network according to the corresponding relation.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the prediction unit 303 includes: the first calculation module is used for calculating the historical throughput of funds of the first object according to the first preset duration and the first account information; the second calculation module is used for calculating the predicted throughput of funds in the first digital twin network according to the second preset duration and the target account information; a fourth determining module configured to determine target fund flow information between the first objects according to the historical throughput, the predicted throughput, and the predicted fund flow information in the first digital twin network; and a fifth determining module for determining a first prediction result according to the first flow frequency in the target fund flow information.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the fourth determining module includes: the first judging sub-module is used for judging whether the target difference between the historical throughput and the predicted throughput is smaller than a second preset value or not to obtain a first judging result, wherein the second preset value is used for representing that the fund flow in the first digital twin network is normal; the second judging sub-module is used for judging whether the predicted throughput is smaller than a third preset value or not if the first judging result represents that the target difference is smaller than the second preset value, so as to obtain a second judging result, wherein the third preset value is a throughput threshold corresponding to the first object; and the determining submodule is used for determining target fund flow information between the first objects according to the predicted fund flow information between the first digital twins in the first digital twins network if the second judging result represents that the predicted throughput is smaller than a third preset value.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the first pushing unit 304 includes: the judging module is used for judging whether a second flow frequency larger than a first preset value exists in the first flow frequency according to the first prediction result to obtain a third judgment result; and the sixth determining module is used for determining the first object corresponding to the second flow frequency as the first target object if the third judging result indicates that the second flow frequency exists in the first flow frequency.

Optionally, in the pushing device for financial messages provided in the embodiment of the present application, the device further includes: the judging unit is used for judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database; the third construction unit is used for acquiring second account information and second position information of the second object if the second object exists, and constructing a second digital twin corresponding to the second object according to the second account information and the second position information; a fourth construction unit for constructing a second digital twin network according to the second digital twin and the first digital twin network; the second pushing unit is used for determining a second target object according to the second digital twin network and pushing the target financial message to the second target object.

The pushing device for financial messages includes a processor and a memory, where the units of the first building unit 301, the second building unit 302, the predicting unit 303, the first pushing unit 304 and the like are all stored as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

The processor includes a kernel, and the kernel fetches the corresponding program unit from the memory. The kernel can be provided with one or more than one, and the problem that the accuracy of pushing financial information is low due to the fact that account information of a plurality of enterprises is analyzed in a manual mode to determine a target enterprise with frequent fund flow and pushing financial information to the target enterprise in the related art is solved by adjusting kernel parameters.

The memory may include volatile memory, random Access Memory (RAM), and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM), among other forms in computer readable media, the memory including at least one memory chip.

The embodiment of the invention provides a computer readable storage medium, on which a program is stored, which when executed by a processor, implements a pushing method of financial messages.

The embodiment of the invention provides a processor, which is used for running a program, wherein the pushing method of financial information is executed when the program runs.

As shown in fig. 4, an embodiment of the present invention provides an electronic device, where the device includes a processor, a memory, and a program stored in the memory and executable on the processor, and when the processor executes the program, the following steps are implemented: acquiring target financial information to be pushed and target data information in a target database, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; acquiring fund flow direction information between first objects, and constructing a first digital twin network according to the fund flow direction information and a first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; predicting target fund flow information between first objects according to a first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing first flow frequency of funds of the first objects; and determining a first target object according to the first prediction result, and pushing a target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

Optionally, in the pushing method of the financial message provided in the embodiment of the present application, after determining the first target object according to the first prediction result, the method further includes: judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database; if the second object exists, acquiring second account information and second position information of the second object, and constructing a second digital twin corresponding to the second object according to the second account information and the second position information; constructing a second digital twin network according to the second digital twin and the first digital twin network; and determining a second target object according to the second digital twin network, and pushing the target financial message to the second target object. The device herein may be a server, PC, PAD, cell phone, etc.

The present application also provides a computer program product adapted to perform, when executed on a data processing device, a program initialized with the method steps of: acquiring target financial information to be pushed and target data information in a target database, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects; acquiring fund flow direction information between first objects, and constructing a first digital twin network according to the fund flow direction information and a first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects; predicting target fund flow information between first objects according to a first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing first flow frequency of funds of the first objects; and determining a first target object according to the first prediction result, and pushing a target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

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, etc., such as Read Only Memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

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 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 an 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 changes may be made to the present application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. which are within the spirit and principles of the present application are intended to be included within the scope of the claims of the present application.

Claims

1. A method for pushing financial messages, comprising:

acquiring target financial information to be pushed and target data information in a target database, and constructing first digital twin bodies corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects;

acquiring fund flow direction information between the first objects, and constructing a first digital twin network according to the fund flow direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flow information between the first objects;

predicting target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing a first flow frequency of funds of the first objects;

and determining a first target object according to the first prediction result, and pushing the target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

2. The method of claim 1, wherein constructing a first digital twin corresponding to the plurality of first objects based on the target data information comprises:

determining target account information of the first digital twin body according to the first account information in the target data information;

determining target position information of the first digital twin body according to first position information in the target data information;

and constructing the first digital twin body according to the target account information and the target position information.

3. The method of claim 1, wherein constructing a first digital twin network based on the funds flow direction information and the first digital twin comprises:

determining a target fund flow direction between the first digital twins according to the fund flow direction information;

establishing a corresponding relationship between the first digital twins according to the target fund flowing direction;

and constructing the first digital twin network according to the corresponding relation.

4. The method of claim 2, wherein predicting the target funds flow information between the first objects in accordance with the first digital twin network, the obtaining a first prediction result comprises:

Calculating the historical throughput of funds of the first object according to a first preset duration and the first account information;

calculating the predicted throughput of funds in the first digital twin network according to a second preset duration and the target account information;

determining target funds flow information between the first objects in accordance with the historical throughput, the predicted throughput and the predicted funds flow information in the first digital twin network;

and determining the first prediction result according to the first flow frequency in the target fund flow information.

5. The method of claim 4, wherein determining target funds flow information between the first objects in dependence upon the historical throughput, the predicted throughput, and predicted funds flow information in the first digital twin network comprises:

judging whether a target difference value between the historical throughput and the predicted throughput is smaller than a second preset value or not, and obtaining a first judgment result, wherein the second preset value is used for representing that funds in the first digital twin network flow normally;

if the first judgment result represents that the target difference value is smaller than the second preset value, judging whether the predicted throughput is smaller than a third preset value or not, and obtaining a second judgment result, wherein the third preset value is a throughput threshold corresponding to the first object;

And if the second judgment result represents that the predicted throughput is smaller than the third preset value, determining target fund flow information between the first objects according to the predicted fund flow information between the first digital twin bodies in the first digital twin network.

6. The method of claim 1, wherein determining a first target object based on the first prediction comprises:

judging whether a second flow frequency larger than the first preset value exists in the first flow frequency according to the first prediction result to obtain a third judgment result;

and if the third judging result indicates that the second flow frequency exists in the first flow frequency, determining a first object corresponding to the second flow frequency as the first target object.

7. The method of claim 1, wherein after determining a first target object based on the first prediction, the method further comprises:

judging whether a second object exists according to the target database, wherein the second object is a newly added object in the target database;

if the second object exists, acquiring second account information and second position information of the second object, and constructing a second digital twin corresponding to the second object according to the second account information and the second position information;

Constructing a second digital twin network according to the second digital twin and the first digital twin network;

and determining a second target object according to the second digital twin network, and pushing the target financial message to the second target object.

8. A pushing device for financial messages, comprising:

the first construction unit is used for acquiring target financial information to be pushed and target data information in a target database, and constructing a first digital twin body corresponding to a plurality of first objects according to the target data information, wherein the target data information at least comprises first account information and first position information of the plurality of first objects;

the second construction unit is used for acquiring the fund flowing direction information between the first objects and constructing a first digital twin network according to the fund flowing direction information and the first digital twin body, wherein the first digital twin network is used for simulating target fund flowing information between the first objects;

the prediction unit is used for predicting the target fund flow information between the first objects according to the first digital twin network to obtain a first prediction result, wherein the first prediction result is used for representing the first flow frequency of the funds of the first objects;

And the first pushing unit is used for determining a first target object according to the first prediction result and pushing the target financial message to the first target object, wherein the fund flowing frequency of the first target object is larger than a first preset value.

9. A computer-readable storage medium, characterized in that the computer-readable storage medium comprises a stored program, wherein the program, when run, controls the storage medium to perform the pushing method of the financial message of any one of claims 1 to 7 at a device.

10. An electronic device comprising one or more processors and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of pushing financial messages of any of claims 1-7.