Risk matching method and device

Abstract

The invention relates to a risk matching method and device. The risk matching method comprises the steps of receiving a product subscription instruction sent by a terminal, searching a pre-stored product risk classification table according to the product subscription instruction, and extracting a product risk grade corresponding to the product identifier of a to-be-subscribed product; according tothe product subscription instruction, searching a pre-stored user risk classification table, and extracting the risk grade of a user corresponding to the identifier of the user; searching a pre-stored risk matching table according to the risk grade of the user, and extracting a product risk level corresponding to the risk grade of the user; comparing the product risk grade with the product risk level; if the product risk grade is lower than or equal to the product risk level, sending a product subscription execution instruction to the terminal; otherwise, sending the risk quota-exceeded prompt information to the terminal. According to the risk matching method, the product subscription risk can be effectively reduced. The economic loss caused by the wrong subscription of high-risk productsis avoided. Correspondingly, the invention further provides a risk matching device.

Description

technical field

[0001] The present invention relates to the field of computer technology, in particular to a risk matching method and device. Background technique

[0002] Generally, in various industrial and commercial applications, products are usually graded and displayed for user reference when users subscribe, so that users can understand product information such as price levels, types, functions, and subscription risks. So as to judge whether the product matches your own needs and risk tolerance, etc., to decide whether to subscribe for the product.

[0003] In the traditional product subscription method, it is entirely dependent on the user's subjective consciousness to judge whether the product to be subscribed matches his own risk tolerance. The subscription behavior is greatly affected by the user's subjective will, and users may ignore their own risks in the process of subscribing products Tolerance, the purchase of high-risk products often causes economic losses...

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