This application provides a method, apparatus, and medium for calculating the value of a business portfolio, relating to the field of
information technology. The method includes: obtaining a first user characteristic factor, candidate product factors, and discount strategy factors; inputting the first user characteristic factor, candidate product factors, and discount strategy factors into a multi-factor combination optimization
algorithm, which, based on a multi-level cache and / or a real-time computing engine, obtains an effective business portfolio suitable for the first user and its predicted value; and recommending, accepting, and monitoring the effective business portfolio based on the predicted value. The first user characteristic factor is obtained based on the characteristics of the first user, and the effective business portfolio is a combination of at least one candidate product and / or a combination of at least one candidate product and at least one discount strategy. This application helps improve the digital and intelligent operation level of enterprises.