WO2019128514A1 - 推送信息的方法和装置、确定输入默认值的方法和装置 - Google Patents

推送信息的方法和装置、确定输入默认值的方法和装置 Download PDF

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Publication number
WO2019128514A1
WO2019128514A1 PCT/CN2018/115587 CN2018115587W WO2019128514A1 WO 2019128514 A1 WO2019128514 A1 WO 2019128514A1 CN 2018115587 W CN2018115587 W CN 2018115587W WO 2019128514 A1 WO2019128514 A1 WO 2019128514A1
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Prior art keywords
time period
item
expected
user
capital
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PCT/CN2018/115587
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English (en)
French (fr)
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龚天起
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阿里巴巴集团控股有限公司
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Priority to SG11202000882WA priority Critical patent/SG11202000882WA/en
Publication of WO2019128514A1 publication Critical patent/WO2019128514A1/zh
Priority to US16/811,976 priority patent/US11087402B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G06Q30/0206—Price or cost determination based on market factors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/55—Push-based network services

Definitions

  • the present specification relates to the field of data analysis technologies, and in particular, to a method and apparatus for pushing information, and a method and apparatus for determining an input default value.
  • the present specification provides a method for pushing information, including:
  • the user-related business information push is performed to the user.
  • a method for determining the input default value provided by this specification includes:
  • a default value of the user input is generated based on the feature time period.
  • the specification also provides an apparatus for pushing information, including:
  • a detailed information obtaining unit configured to obtain historical detail information of the user funds item
  • a feature time period unit configured to determine, by using historical detail information, at least one characteristic time period within a predetermined time period, wherein the capital item is expected to undergo an expected change during the feature time period;
  • the service information pushing unit is configured to perform, according to the feature time period, the business information push related to the fund to the user.
  • a device for determining a default input value provided by the present specification includes:
  • a detailed information obtaining unit configured to obtain historical detail information of the user funds item
  • a feature time period unit configured to determine, by using historical detail information, at least one characteristic time period within a predetermined time period, wherein the capital item is expected to undergo an expected change during the feature time period;
  • a default value generating unit is configured to generate a default value of the user input item according to the feature time period.
  • a computer device provided by the present specification includes: a memory and a processor; the memory stores a computer program executable by the processor; and the method for executing the pushing information when the processor runs the computer program step.
  • the computer device includes: a memory and a processor; the memory stores a computer program executable by the processor; and when the processor runs the computer program, the method for determining the input default value is performed The steps described.
  • the present specification provides a computer readable storage medium having stored thereon a computer program, the steps of the method of pushing the information described above when the computer program is executed by the processor.
  • the present specification also provides a computer readable storage medium having stored thereon a computer program that, when executed by a processor, performs the steps described above in the method of determining an input default value.
  • the feature time period of the expected change of the fund item is analyzed through the historical detail information of the user fund item, and the user is performed according to the characteristic time period.
  • the fund-related business information is pushed, so that the information push can match the time when the user has the business demand, the unreasonable interruption to the user is reduced, and the personalized and intelligent service is improved;
  • the feature time period of the expected change of the fund item is analyzed by the historical detail information of the user fund item, and the default value of the user input item is generated according to the feature time period. It is recommended to input the default value according to the actual situation of the user, which reduces the input operation when the user fills in the information, accelerates the efficiency of filling the information, and improves the personalization and intelligence of the service.
  • Embodiment 1 is a flow chart of a method for pushing information in Embodiment 1 of the present specification
  • Embodiment 2 is a flow chart of a method for determining an input default value in Embodiment 2 of the present specification
  • FIG. 3 is a schematic diagram of a fixed-day input interface in the second application example of the present specification.
  • FIG. 4 is a hardware structural diagram of a device running an embodiment of the present specification
  • FIG. 5 is a logical structural diagram of an apparatus for pushing information in an embodiment of the present specification
  • Figure 6 is a logical structural diagram of an apparatus for determining an input default value in an embodiment of the present specification.
  • Embodiment 1 of the present specification proposes a new method for pushing information, determining a characteristic time period in which an expected change of a fund item occurs within a predetermined time period from a historical detail information of a user funds item, and performing the user time based on the characteristic time period
  • the service information is pushed, so that the information can be pushed when the user has a business demand, and the success rate of the recommended service is improved while reducing the interruption, and the personalized and intelligent information push for the user is realized.
  • Embodiment 1 of the present specification can be run on any computing and storage device, such as a mobile phone, a tablet computer, a PC (Personal Computer), a notebook, a server, etc.; it can also be operated by two or two
  • the logical nodes of the above devices implement the functions in the first embodiment of the present specification.
  • the flow of the method of pushing information is as shown in FIG. 1. This method is applied to the server of the financial service provider.
  • Step 110 Obtain historical detail information of the user funds item.
  • the user opens a fund account on the service side of the financial service provider, and the user can use various service items provided by the service provider through his own account, such as payment, collection, transfer, purchase of financial products, and the like.
  • the server usually records the financial activity itself, the changes in the account assets or liabilities, the time of occurrence, etc., into the historical details, and stores the historical details.
  • any one of the financial activities and changes in the account assets or liabilities can be used as a fund item in the embodiments of the present specification, such as income, expenses, account balance, repayment, and payment of certain expenses (such as communication fees, water fees, etc.
  • one to more funds items may be employed in the embodiments of the present specification.
  • the historical detail information of the user funds item may be the history information of the fund item of one account of the user, or may be two or The history details of the fund items of two or more accounts are not limited.
  • the server can read the historical details of the stored user accounts, and extract historical details of one to multiple fund items.
  • Step 120 Determine, by using historical detail information, at least one characteristic time period within a predetermined time period, where the capital item is expected to undergo an expected change.
  • some or some of the funding items often change repeatedly in a certain cycle. For example, salary income is usually repeated in a monthly or weekly cycle, and repayment is usually repeated in a monthly or annual cycle.
  • salary income is usually repeated in a monthly or weekly cycle
  • repayment is usually repeated in a monthly or annual cycle.
  • one or more characteristic time periods in which the above-mentioned capital items occur in the predetermined time period may be analyzed.
  • the monthly or weekly payday can be analyzed
  • the monthly or annual repayment time can be analyzed based on the historical details of the repayment loan.
  • the historical details based on the account balance can be analyzed. The time when the monthly or annual account balance is below a certain threshold.
  • the server can obtain the feature time period by using any analysis method that meets the requirements of the actual application scenario.
  • the embodiment of the present specification is not limited. Two implementations are given below as examples.
  • the historical detail information is used to count the time period in which the capital item changes within a predetermined time period, and the time period satisfying the expected fluctuation statistical condition is taken as the characteristic time period.
  • statistics can be made for various parameters of the change of the fund project, and these parameters are used to set the expected change statistical conditions, for example, the parameter can be the number of changes of the capital account, and the change
  • the frequency, the amount of change, and/or the balance after the change, etc., and the expected fluctuation statistical condition may be: the frequency at which the capital item changes meets the first condition, the change amount satisfies the second condition, and the changed balance satisfies the third condition At least one.
  • the unified user has several funds on each day of each month in the most recent year, and the total amount of money recorded on that day, when the number of times of the day exceeds the first threshold. And when the proportion of the total amount of the account on the day exceeds the second threshold, the day is taken as the expected payday of the user.
  • the historical detail information of the capital item is input into the classification model of the machine learning to obtain at least one characteristic time period within a predetermined time period.
  • the classification model of machine learning takes the historical detail information of the fund item as input, and outputs one to more characteristic time periods, and the classification model adopts the labeled training sample (ie, the marked capital item occurs in a predetermined time period) Training for the historical details of the changed time period).
  • Step 130 Perform a business information push related to the fund to the user based on the feature time period.
  • the business information related to the funds may be pushed to the user according to the feature time period in each predetermined time period.
  • the service information may be pushed before, during, and after the feature time period in the predetermined time period, or may be performed when the feature time period is separated by a certain time length in a predetermined time period, without limitation.
  • the business information related to the funds may be any financial business information that may be of interest to the user, and is not limited.
  • the financial business may conform to the user's current economic ability, or may facilitate the user to perform capital operations, or provide other conveniences for the user.
  • the change of the user's capital item may be monitored within a certain period of time determined according to the characteristic time period, and after the expected change of the fund item is detected, the user-related business information push is performed.
  • the account balance may be used as a fund item to analyze a characteristic time period in which the user's monthly account balance falls below a preset value; the user's account balance is monitored at the beginning of the characteristic time period, if the account balance falls below a preset value , then push the loan business information to the user.
  • the characteristic time period in which the expected change of the capital item occurs within a predetermined time period is analyzed, and the business information is pushed to the user according to the characteristic time period, so that the information is pushed. It can match the time when users have business needs, reduce the interruption of users, improve the success rate of recommended services, and improve the personalization and intelligence of services.
  • the second embodiment of the present specification proposes a new method for determining the input default value, determining the characteristic time period of the expected change of the fund item in the predetermined time period from the historical detail information of the user fund item, and deriving the user based on the characteristic time period.
  • the default value of the input item so that the default value of the input item can match the actual situation of the user, the operation of the user when inputting information is reduced, and the personalized and intelligent filling information recommendation for the user is realized.
  • the second embodiment of the present specification can be run on any device with computing and storage capabilities, such as a mobile phone, a tablet computer, a PC (Personal Computer), a notebook, a server, etc.; it can also be operated by two or two
  • the logical nodes of the above devices implement the functions in the second embodiment of the present specification.
  • the flow of the method for determining the input default value is as shown in FIG. 2, and the method is applied to the server of the financial service provider.
  • Step 210 Obtain historical detail information of the user funds item.
  • Step 220 Determine, by using historical detail information, at least one characteristic time period within a predetermined time period, in which the capital item is expected to undergo an expected change.
  • Steps 210 and 220 in the second embodiment of the present specification are the same as steps 110 and 120 in the first embodiment. For details of the above two steps, refer to the first embodiment, and the description is not repeated.
  • Step 230 Generate a default value of the user input item according to the feature time period.
  • the user input is the information item that the server asks the user to enter when using the user's account for various financial activities.
  • the input item may be input by the user, or may be input by the user; the input item may be in the form of a text box or a form of selection; it is not limited in this embodiment.
  • the default value of the input item is the default content or default option given by the server. When the user does not make any changes to the input item, the value of the input item submitted to the server is its default value.
  • a default value of the user input item may be generated according to the feature time period in each predetermined time period.
  • the specific manner of generating the default value of the input item according to the feature time period may be determined according to factors such as the characteristics of the fund account and the input item, and the actual situation of the application scenario, and the embodiment of the present specification is not limited.
  • the income period can be used to analyze the characteristic time period in which the user has monthly funds (expected changes), which is assumed to be a certain day (the capital crediting date), and then the user is automatically automated when performing some business.
  • the deduction date input item and the repayment reminder date input item are set as the capital crediting date or the next day of the capital admission date, so that the user can manually input the date, and the user can conveniently solve the current month when the monthly funds are sufficient. Liabilities.
  • the characteristic time period in which the expected change of the capital item occurs within a predetermined time period is analyzed, and the default value of the user input item is generated according to the characteristic time period, so that The default value of the input item can match the actual situation of the user, which reduces the input operation when the user fills in the information, and speeds up the filling of the information.
  • a financial integrated service platform After opening an account on a financial integrated service platform, users can receive payments and purchase various wealth management products, such as funds, bonds, gold, stocks, etc.
  • the financial integrated service platform maintains a breakdown of each historical revenue and transaction and transaction for each user for each user.
  • the main user group of the financial integrated service platform is office workers. Generally speaking, wages will be paid on a fixed day of the month, and will be extended on weekends; or on a certain working day of a week.
  • the server of the financial service platform extracts the revenue details of the user in the past two years, and the detailed information includes the date and amount of each income.
  • the server uses the month as the predetermined time period, and counts how many times the income is generated every day for one month, and the total amount of income received in the day. If the number of each month has the most number of times and the largest total income (a statistical condition of expected changes), then the day of the month is used as the payday (a characteristic time period); if each month The maximum number of days of the week and the largest amount of income, the day of the week as a payday.
  • the server after the server obtains the payday of the user through the analysis of the income detail information, the server starts monitoring the user's account on the day before the payday, and when the income is received, the user is monitored. Push the recommendation message of the wealth management product for the user to choose to purchase. By pushing the wealth management message immediately after the user obtains the income, the user can be bothered, help the user to develop good financial management habits, and help increase the transaction volume of the wealth management transaction.
  • the server uses the second day of the user payday as the fixed investment date (an automatic deduction Day)
  • the default value of the entry Suppose the server analyzes that the payday of a user is the last day of the month.
  • a setting page for the fixed investment date is shown in Figure 3.
  • the server has already set the user's vote for the day. The default is set to the first day of the month. Users no longer need to manually select their own payroll date, which reduces the user's operation.
  • the embodiment of the present specification further provides a device for pushing information, and a device for determining an input default value.
  • Both devices can be implemented by software or by hardware or a combination of hardware and software.
  • the CPU Central Process Unit
  • the device that pushes the information or the device that determines the device that inputs the default value usually includes other hardware such as a chip for transmitting and receiving wireless signals, and / Other hardware such as boards used to implement network communication functions.
  • FIG. 5 is a schematic diagram of a device for pushing information according to an embodiment of the present disclosure, including a detail information acquiring unit, a feature time segment unit, and a service information pushing unit, wherein: the detail information acquiring unit is configured to obtain historical detail information of a user fund item.
  • the feature time period unit is configured to determine, by using historical detail information, at least one feature time period within a predetermined time period, wherein the fund item is expected to undergo an expected change in the feature time period; the service information pushing unit is configured to use the feature time In the segment, the business information related to the funds is pushed to the user.
  • the feature time period unit is specifically configured to: use historical detail information to calculate each time period in which the capital item changes within a predetermined time period, and use a time period that satisfies an expected change statistical condition as a feature time. segment.
  • the expected fluctuation statistical condition may include: the frequency of the change of the capital item satisfies the first condition, the change amount satisfies the second condition, and the changed balance satisfies at least one of the third condition.
  • the feature time period unit is specifically configured to: input historical detail information of the capital item into a machine learning classification model, to obtain a feature time period in at least one predetermined time period; Training samples marked with a characteristic time period are trained.
  • the service information pushing unit is configured to: monitor, according to the feature time period, a change of the fund item of the user; and after monitoring an expected change of the fund item, to the user Conduct business information related to funds.
  • the fund item includes: income; the expected change includes: capital accounting; and the fund-related business information includes: wealth management business information.
  • FIG. 6 is a diagram of an apparatus for determining an input default value according to an embodiment of the present disclosure, including a detail information acquiring unit, a feature time period unit, and a default value generating unit, wherein: the detail information acquiring unit is configured to acquire a history of a user fund item. Detailed information; the feature time period unit is configured to determine, by using historical detail information, at least one feature time period within a predetermined time period, wherein the capital item is expected to undergo an expected change in the feature time period; a default value generating unit is configured to use the The feature time period generates a default value for the user input.
  • the feature time period unit is specifically configured to: use historical detail information to calculate each time period in which the capital item changes within a predetermined time period, and use a time period that satisfies an expected change statistical condition as a feature time. segment.
  • the expected fluctuation statistical condition may include: the frequency of the change of the capital item satisfies the first condition, the change amount satisfies the second condition, and the changed balance satisfies at least one of the third condition.
  • the feature time period unit is specifically configured to: input historical detail information of the capital item into a machine learning classification model, to obtain a feature time period in at least one predetermined time period; Training samples marked with a characteristic time period are trained.
  • the fund item includes: revenue; the expected change includes: capital credit; the user input item includes: one or more of an automatic deduction date and a repayment reminding day.
  • Embodiments of the present specification provide a computer device including a memory and a processor.
  • the computer stores a computer program executable by the processor; and when the processor runs the stored computer program, the processor performs the steps of the method for pushing information in the embodiment of the present specification.
  • the processor runs the stored computer program, the processor performs the steps of the method for pushing information in the embodiment of the present specification.
  • Embodiments of the present specification provide a computer device including a memory and a processor.
  • the computer stores a computer program executable by the processor; and when the processor runs the stored computer program, the processor executes the steps of the method for determining the input default value in the embodiment of the present specification.
  • the steps in the method of determining the default value please refer to the previous content and will not be repeated.
  • Embodiments of the present specification provide a computer readable storage medium having stored thereon computer programs that, when executed by a processor, perform various steps of a method of pushing information in embodiments of the present specification.
  • a processor For a detailed description of each step of the method of pushing information, please refer to the previous content, and will not be repeated.
  • Embodiments of the present specification provide a computer readable storage medium having stored thereon computer programs that, when executed by a processor, perform various steps of a method of determining an input default value in an embodiment of the present specification.
  • steps in the method of determining the default value please refer to the previous content and will not be repeated.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory.
  • RAM random access memory
  • ROM read only memory
  • Memory is an example of a computer readable medium.
  • Computer readable media includes both permanent and non-persistent, removable and non-removable media.
  • Information storage can be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media 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 disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.
  • embodiments of the present specification can be provided as a method, system, or computer program product.
  • embodiments of the present specification can take the form of an entirely hardware embodiment, an entirely software embodiment or a combination of software and hardware.
  • embodiments of the present specification can 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, etc.) having computer usable program code embodied therein. .

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Abstract

一种推送信息的方法，包括：获取用户资金项目的历史明细信息（110）；采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动（120）；基于所述特征时间段，向所述用户进行与资金相关的业务信息推送（130）。

Description

推送信息的方法和装置、确定输入默认值的方法和装置 技术领域
本说明书涉及数据分析技术领域，尤其涉及一种推送信息的方法和装置、和一种确定输入默认值的方法和装置。
背景技术
高新技术的不断进步，在推动经济发展的同时促进了金融创新。互联网金融作为金融和科技相结合的产物，在日常生活中扮演着越来越重要的角色。用户可以通过网络管理账目、进行支付、购买各种金融产品等。
互联网金融的一大优势在于便捷和高效。当越来越广泛的人群加入到互联网金融的用户群体中，不同用户之间的收支状况、财富水平、个人偏好等的区别往往限制了便捷和高效的进一步。提供针对用户的智能化和个性化的服务，成为互联网金融的发展方向。
发明内容
有鉴于此，本说明书提供一种推送信息的方法，包括：
获取用户资金项目的历史明细信息；
采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
基于所述特征时间段，向所述用户进行与资金相关的业务信息推送。
本说明书提供的一种确定输入默认值的方法，包括：
获取用户资金项目的历史明细信息；
采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
根据所述特征时间段生成用户输入项的默认值。
本说明书还提供了一种推送信息的装置，包括：
明细信息获取单元，用于获取用户资金项目的历史明细信息；
特征时间段单元，用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
业务信息推送单元，用于基于所述特征时间段，向所述用户进行与资金相关的业务信息推送。
本说明书提供的一种确定输入默认值的装置，包括：
明细信息获取单元，用于获取用户资金项目的历史明细信息；
特征时间段单元，用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
默认值生成单元，用于根据所述特征时间段生成用户输入项的默认值。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述推送信息的方法所述的步骤。
本说明书提供的一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述确定输入默认值的方法所述的步骤。
本说明书提供的一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述推送信息的方法所述的步骤。
本说明书还提供了一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行上述确定输入默认值的方法所述的步骤。
由以上技术方案可见，在本说明书的推送信息的方法和装置实施例中，通过用户资金项目的历史明细信息，分析得到资金项目发生预期变动的特征时间段，并按照特征时间段向用户进行与资金相关的业务信息推送，使得信息推送能够匹配用户有业务需求的时间，减少了对用户的无端打扰，提高了服务的个性化和智能化；
在本说明书的确定输入默认值的方法和装置实施例中，通过用户资金项目的历史明细信息，分析得到资金项目发生预期变动的特征时间段，并按照特征时间段生成用户输入项的默认值，实现了根据用户的实际情形推荐输入默认值，减少了用户在填写信息时 的输入操作，加快了信息填写的效率，提高了服务的个性化和智能化。
附图说明
图1是本说明书实施例一中一种推送信息的方法的流程图；
图2是本说明书实施例二中一种确定输入默认值的方法的流程图；
图3是本说明书应用示例二中一种定投日输入界面的示意图；
图4是运行本说明书实施例的设备的一种硬件结构图；
图5是本说明书实施例中一种推送信息的装置的逻辑结构图；
图6是本说明书实施例中一种确定输入默认值的装置的逻辑结构图。
具体实施方式
本说明书的实施例一提出一种新的推送信息的方法，从用户资金项目的历史明细信息，确定预定时间周期内资金项目发生预期变动的特征时间段，并基于特征时间段进行对该用户的业务信息推送，从而能够在用户有业务需求的时间进行信息推送，在减少打扰的同时提升了推荐业务的成功率，实现了针对用户的个性化和智能化信息推送。
本说明书的实施例一可以运行在任何具有计算和存储能力的设备上，如手机、平板电脑、PC(Personal Computer，个人电脑)、笔记本、服务器等设备；还可以由运行在两个或两个以上设备的逻辑节点来实现本说明书实施例一中的各项功能。
本说明书的实施例一中，推送信息的方法的流程如图1所示。该方法应用在金融服务商的服务端。
步骤110，获取用户资金项目的历史明细信息。
本说明书的实施例中，用户在金融服务商的服务端开设有资金账户，用户可以通过自己的账户使用服务商提供的各种服务项目，例如支付、收款、转账、购买金融产品等。当用户账户发生与资产或负债情况相关的金融活动时，服务端通常会将金融活动本身、账户资产或负债的变化情况、发生时间等记载到历史明细中，并将历史明细存储起来。
其中，某项金融活动以及账户资产或负债的变化情况中的任何一项都可以用来作为 本说明书实施例中的一个资金项目，例如收入、支出、账户余额、还贷、缴纳某种费用(如通讯费、水费)等。此外，本说明书实施例中可以采用一个到多个资金项目。
有的服务商允许一个用户开设多个账户，根据实际应用场景的实现和需求，用户资金项目的历史明细信息可以是该用户的一个账户的资金项目历史明细信息，也可以该用户的两个或两个以上账户的资金项目历史明细信息，不做限定。
服务端可以读取存储的用户账户的历史明细，从中提取出一个到多个资金项目的历史明细信息。
步骤120，采用历史明细信息，确定预定时间周期内的至少一个特征时间段，该特征时间段内该资金项目预计发生预期变动。
对于很多用户而言，某个或某些资金项目常常以一定周期发生重复性的变化，例如，薪水收入通常以月或周为周期重复，还贷通常以月或年为周期重复等等。针对某个或某些资金项目，根据历史明细信息在预定时间周期内的变化情况，可以分析出上述资金项目在该预定时间周期内发生预期变动的一个到多个特征时间段。例如，可以基于收入的历史明细信息分析出每月或每周的发薪日、基于还贷的历史明细信息分析出每月或每年的还贷时间、基于账户余额的历史明细信息可以分析出每月或每年账户余额低于某个阈值的时间等。
服务端可以采用符合实际应用场景需要的任意分析方法来得到特征时间段，本说明书的实施例不做限定。以下给出两种实现方式作为例子进行说明。
在第一种实现方式中，采用历史明细信息统计资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。可以根据实际应用场景的需要和资金项目的特点，针对资金项目发生变化的各种参数进行统计，并采用这些参数来设置预期变动统计条件，比如参数可以是资金项目发生变化的次数、发生变化的频率、变化量、和/或变化后的余额等等，而预期变动统计条件可以是：资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后余额满足第三条件中的至少一项。
例如，将月作为预定时间周期、收入作为资金项目，统一用户最近一年内每个月的每一天有几次资金入账、以及在该天入账的总金额，当某天的入账次数超过第一阈值、并且该天的入账总金额占全年入账总金额的比例超过第二阈值时，将该天作为预计的该用户发薪日。
在第二种实现方式中，将资金项目的历史明细信息输入机器学习的分类模型，得到预定时间周期内至少一个特征时间段。其中，机器学习的分类模型以资金项目的历史明细信息作为输入，以一个到多个特征时间段作为输出，该分类模型采用有标记的训练样本(即标记出资金项目在预定时间周期内发生预期变动的时间段的历史明细信息)进行训练。
步骤130，基于特征时间段，向用户进行与资金相关的业务信息推送。
在分析得到用户在预定时间周期内的一个到多个特征时间段后，可以在每个预定时间周期内，根据特征时间段，将与资金相关的业务信息推送给用户。可以在预定时间周期内特征时间段的之前、之内、之后进行业务信息推送，也可以在预定时间周期内与特征时间段间隔某个时间长度的时候进行业务信息推送，不做限定。
与资金相关的业务信息可以是任何该用户可能感兴趣的金融业务信息，不做限定。在推送的时间点该金融业务或者符合用户当时的经济能力，或者能便于用户进行资金操作，或者能为用户提供其他便利。
例如，可以以收入为资金项目，分析出用户每月有资金进账(预期变动)的特征时间段，假设特征时间段为每月最后一天，则可以在每月的第一天向用户推送理财信息。
在一种实现方式中，可以在根据特征时间段确定的某个时间段内，监测用户资金项目的变化情况，在监测到资金项目发生预期变动后，向用户进行与资金相关的业务信息推送。例如，可以以账户余额为资金项目，分析出用户每月账户余额降至预设值以下的特征时间段；在该特征时间段开始时监测用户的账户余额，如果账户余额降至预设值以下，则向用户推送贷款业务信息。
可见，本说明书的实施例一中，通过用户资金项目的历史明细信息，分析得到预定时间周期内资金项目发生预期变动的特征时间段，并按照特征时间段向用户进行业务信息推送，使得信息推送能够匹配用户有业务需求的时间，减少了对用户的打扰，提升了推荐业务的成功率，提高了服务的个性化和智能化。
本说明书的实施例二提出一种新的确定输入默认值的方法，从用户资金项目的历史明细信息，确定预定时间周期内资金项目发生预期变动的特征时间段，并基于特征时间段来得出用户的输入项默认值，从而使得输入项默认值能够匹配该用户的实际情形，减少了用户在输入信息时的操作，实现了针对用户的个性化和智能化的填写信息推荐。
本说明书的实施例二可以运行在任何具有计算和存储能力的设备上，如手机、平板 电脑、PC(Personal Computer，个人电脑)、笔记本、服务器等设备；还可以由运行在两个或两个以上设备的逻辑节点来实现本说明书实施例二中的各项功能。
本说明书的实施例二中，确定输入默认值的方法的流程如图2所示，该方法应用在金融服务商的服务端。
步骤210，获取用户资金项目的历史明细信息。
步骤220，采用历史明细信息，确定预定时间周期内的至少一个特征时间段，该特征时间段内该资金项目预计发生预期变动。
本说明书实施例二中步骤210和步骤220分别与实施例一中步骤110和步骤120相同，对上述两个步骤的详细描述请参见实施例一，不再重复。
步骤230，根据特征时间段生成用户输入项的默认值。
用户输入项是用户在使用其账户进行各种金融活动时，服务端请用户输入的信息项。输入项可以是用户必须输入的，也可以是由用户选择输入的；输入项可以是文字框的形式，也可以是选型的形式；本实施例中均不做限定。输入项的默认值是服务端给出的缺省内容或缺省选项，当用户不对该输入项做任何更改时，提交给服务端的该输入项的值即是其默认值。
在分析得到用户在预定时间周期内的一个到多个特征时间段后，可以在每个预定时间周期内，根据特征时间段，生成用户输入项的默认值。根据特征时间段来生成输入项默认值的具体方式可以根据资金账户和输入项的特点、以及应用场景的实际情形等因素来确定，本说明书的实施例不做限定。
在一个例子中，可以以收入为资金项目，分析出用户每月有资金进账(预期变动)的特征时间段，假设为某一天(资金进账日)，然后将该用户在进行一些业务时的自动扣款日输入项、还款提醒日输入项等设置为资金进账日、或资金进账日的次日，这样无需用户手动输入日期，即可方便的使用户可以在每月资金充裕的时候解决当月的负债。
可见，本说明书的实施例二中，通过用户资金项目的历史明细信息，分析得出预定时间周期内资金项目发生预期变动的特征时间段，并按照特征时间段生成用户输入项的默认值，使得输入项默认值能够匹配该用户的实际情形，减少了用户在填写信息时的输入操作，加快了信息填写的效率
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。 在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
在本说明书的第一个和第二个应用示例中，用户在某金融综合服务平台的开设账户后，可以收支款项、还可以购买各种理财产品，如基金、债券、黄金、股票等。该金融综合服务平台为每个用户维护其账户的每一笔历史收支和交易的明细。
该金融综合服务平台的主要用户群体是上班族，通常而言，工资会在每月固定的某一天发放，遇到周末顺延；或者在某一周的某一个工作日发放。该金融服务平台的服务器提取用户过去两年的收入明细信息，明细信息中包括每笔收入的日期和金额等。
服务器以月为预定时间周期，统计一个月的每天共发生多少次收入到账、以及在该天收入到账的总额度。如果每个月的几号有最多次数以及总额最大的收入(一种预期变动统计条件)，则以每月的该日作为发薪日(一种特征时间段)；如果每个月的某个周几有最多次数以及总额最大的收入，则以每月的该周几作为发薪日。
在第一个应用示例中，服务器在通过收入明细信息分析得出用户的发薪日之后，在发薪日的前一天开始对用户的账户进行监测，当监测到有收入到账后，向用户推送理财产品的推荐消息，供用户选择购买。通过在用户获得收入之后立即推送理财消息，可以减少对用户的打扰，帮助用户养成良好的理财习惯，并且有助于增加理财交易成交量。
在第二个应用示例中，服务器在通过收入明细信息分析得出用户的发薪日之后，当用户办理基金定投业务时，服务器将用户发薪日的第二天作为定投日(一种自动扣款日)输入项的默认值。假设服务器分析得出某个用户的发薪日是每月最后一天，则该用户在办理基金定投业务时，一种定投日的设置页面如图3所示，服务端已经将该用户定投日的默认值设置为每月的第一天。用户无需再手动选择自己的工资发放日，减少了用户的操作。
与上述流程实现对应，本说明书的实施例还提供了一种推送信息的装置，和一种确定输入默认值的装置。这两种装置均可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为逻辑意义上的装置，是通过所在设备的CPU(Central Process Unit，中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，除了图4所示的CPU、内存以及存储器之外，推送信息的装置或确定 输入默认值的装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件，和/或用于实现网络通信功能的板卡等其他硬件。
图5所示为本说明书实施例提供的一种推送信息的装置，包括明细信息获取单元、特征时间段单元和业务信息推送单元，其中：明细信息获取单元用于获取用户资金项目的历史明细信息；特征时间段单元用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；业务信息推送单元用于基于所述特征时间段，向所述用户进行与资金相关的业务信息推送。
一种实现方式中，所述特征时间段单元具体用于：采用历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
上述实现方式中，所述预期变动统计条件可以包括：所述资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
另一种实现方式中，所述特征时间段单元具体用于：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
可选的，所述业务信息推送单元具体用于：根据所述特征时间段，监测所述用户的所述资金项目的变化情况；在监测到所述资金项目发生预期变动后，向所述用户进行与资金相关的业务信息推送。
可选的，所述资金项目包括：收入；所述预期变动包括：资金进账；所述与资金相关的业务信息包括：理财业务信息。
图6所示为本说明书实施例提供的一种确定输入默认值的装置，包括明细信息获取单元、特征时间段单元和默认值生成单元，其中：明细信息获取单元用于获取用户资金项目的历史明细信息；特征时间段单元用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；默认值生成单元用于根据所述特征时间段生成用户输入项的默认值。
一种实现方式中，所述特征时间段单元具体用于：采用历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
上述实现方式中，所述预期变动统计条件可以包括：所述资金项目发生变化的频率 满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
另一种实现方式中，所述特征时间段单元具体用于：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
可选的，所述资金项目包括：收入；所述预期变动包括：资金进账；所述用户输入项包括：自动扣款日、还款提醒日中的一项到多项。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中推送信息的方法的各个步骤。对推送信息的方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机设备，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中确定输入默认值的方法的各个步骤。对确定输入默认值的方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中推送信息的方法的各个步骤。对推送信息的方法的各个步骤的详细描述请参见之前的内容，不再重复。
本说明书的实施例提供了一种计算机可读存储介质，该存储介质上存储有计算机程序，这些计算机程序在被处理器运行时，执行本说明书实施例中确定输入默认值的方法的各个步骤。对确定输入默认值的方法的各个步骤的详细描述请参见之前的内容，不再重复。
以上所述仅为本说明书的较佳实施例而已，并不用以限制本申请，凡在本申请的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本申请保护的范围之内。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书的实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书的实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (26)

  1. 一种推送信息的方法，包括：
    获取用户资金项目的历史明细信息；
    采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
    基于所述特征时间段，向所述用户进行与资金相关的业务信息推送。
  2. 根据权利要求1所述的方法，所述采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动，包括：采用历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
  3. 根据权利要求2所述的方法，所述预期变动统计条件包括：所述资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
  4. 根据权利要求1所述的方法，所述采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动，包括：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
  5. 根据权利要求1所述的方法，所述基于特征时间段，向所述用户进行与资金相关的业务信息推送，包括：根据所述特征时间段，监测所述用户的所述资金项目的变化情况；在监测到所述资金项目发生预期变动后，向所述用户进行与资金相关的业务信息推送。
  6. 根据权利要求1所述的方法，所述资金项目包括：收入；所述预期变动包括：资金进账；所述与资金相关的业务信息包括：理财业务信息。
  7. 一种确定输入默认值的方法，包括：
    获取用户资金项目的历史明细信息；
    采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
    根据所述特征时间段生成用户输入项的默认值。
  8. 根据权利要求7所述的方法，所述采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动，包括：采用 历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
  9. 根据权利要求8所述的方法，所述预期变动统计条件包括：所述资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
  10. 根据权利要求7所述的方法，所述采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动，包括：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
  11. 根据权利要求7所述的方法，所述资金项目包括：收入；所述预期变动包括：资金进账；所述用户输入项包括：自动扣款日、还款提醒日中的一项到多项。
  12. 一种推送信息的装置，包括：
    明细信息获取单元，用于获取用户资金项目的历史明细信息；
    特征时间段单元，用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
    业务信息推送单元，用于基于所述特征时间段，向所述用户进行与资金相关的业务信息推送。
  13. 根据权利要求12所述的装置，所述特征时间段单元具体用于：采用历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
  14. 根据权利要求13所述的装置，所述预期变动统计条件包括：所述资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
  15. 根据权利要求12所述的装置，所述特征时间段单元具体用于：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
  16. 根据权利要求12所述的装置，所述业务信息推送单元具体用于：根据所述特征时间段，监测所述用户的所述资金项目的变化情况；在监测到所述资金项目发生预期变动后，向所述用户进行与资金相关的业务信息推送。
  17. 根据权利要求12所述的装置，所述资金项目包括：收入；所述预期变动包括：资金进账；所述与资金相关的业务信息包括：理财业务信息。
  18. 一种确定输入默认值的装置，包括：
    明细信息获取单元，用于获取用户资金项目的历史明细信息；
    特征时间段单元，用于采用历史明细信息，确定预定时间周期内的至少一个特征时间段，所述特征时间段内所述资金项目预计发生预期变动；
    默认值生成单元，用于根据所述特征时间段生成用户输入项的默认值。
  19. 根据权利要求18所述的装置，所述特征时间段单元具体用于：采用历史明细信息统计所述资金项目在预定时间周期内发生变化的每个时间段，将满足预期变动统计条件的时间段作为特征时间段。
  20. 根据权利要求19所述的装置，所述预期变动统计条件包括：所述资金项目发生变化的频率满足第一条件、变化量满足第二条件、变化后的余额满足第三条件中的至少一项。
  21. 根据权利要求18所述的装置，所述特征时间段单元具体用于：将所述资金项目的历史明细信息输入机器学习的分类模型，得到至少一个预定时间周期内的特征时间段；所述分类模型采用标记有特征时间段的训练样本进行训练。
  22. 根据权利要求18所述的装置，所述资金项目包括：收入；所述预期变动包括：资金进账；所述用户输入项包括：自动扣款日、还款提醒日中的一项到多项。
  23. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求1到6任意一项所述的步骤。
  24. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求7到11任意一项所述的步骤。
  25. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求1到6任意一项所述的步骤。
  26. 一种计算机可读存储介质，其上存储有计算机程序，所述计算机程序被处理器运行时，执行如权利要求7到11任意一项所述的步骤。
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