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Product information pushing method, electronic equipment and storage medium

A product information and product technology, applied in the field of data processing, can solve the problems of blind purchase of wealth management products, blindness in choosing to buy wealth management products, and inability to scientifically and effectively recommend wealth management products to new users, and achieve the effect of improving scientificity.

Pending Publication Date: 2020-05-26
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, banks have a wide variety of wealth management products. For new users who want to buy wealth management products but have never bought wealth management products, they often don’t know which kind of wealth management products to choose, and there is blindness in choosing wealth management products. sex
[0004] In the existing technology, the data of historical wealth management products purchased by old users who have purchased wealth management products are analyzed to obtain the ranking of the number of times the wealth management products are purchased by old users, and the wealth management products at the top of the ranking are recommended to newcomers. users, this method cannot scientifically and effectively recommend suitable financial products for new users
[0005] In order to solve the problem of blindness in the purchase of wealth management products by new users, there is an urgent need for a method of pushing product information, which can provide scientific and effective guidance for new users in choosing wealth management products

Method used

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  • Product information pushing method, electronic equipment and storage medium
  • Product information pushing method, electronic equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 2

[0075] Attached to this application manual figure 2 , another embodiment of the present application will be described below.

[0076] The electronic device provided in the embodiment of the present application may include: a display 21, a processor 22, and a memory 23;

[0077] The display 21 is used to display product information;

[0078] The memory 23 is used to store programs;

[0079] The processor 22 is configured to execute the program to perform the following operations: obtain the identification information of the user, and query the current asset amount and the long-term asset amount of the user in the data system where the user is located according to the identification information , the amount of liabilities, the amount of income, and the amount of expenditure; calculate the user's financial index information through the queried amount of current assets, the amount of long-term assets, the amount of liabilities, and the amount of income, and calculate the user's...

Embodiment 3

[0083] The embodiment of the present application discloses a storage medium for storing a program, wherein when the program is executed, the system server performs the following operations:

[0084] Obtain the identification information of the user, and query the current asset amount, long-term asset amount, liability amount, income amount, and expenditure amount of the user in the data system where the user is located according to the identification information; The asset amount, the long-term asset amount, the liability amount, and the income amount calculate the user's financial index information, calculate the user's risk preference value according to the financial index information, and use the risk preference value in the Find the risk type of the user in the corresponding relationship between the risk preference value and the preset risk type; calculate the user's investable amount through the current asset amount and the expenditure amount; according to the user's inves...

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Abstract

The invention discloses a product information pushing method, and particularly discloses a method that includes acquiring identification information of a user, and querying a flowing asset amount, a long-term asset amount, a debt amount, an income amount and an expenditure amount of the user in a data system where the user is located according to the identification information; and calculating financial index information of the user according to the inquired flow asset amount, the inquired long-term asset amount, the inquired debt amount and the inquired income amount; calculating a risk preference value of the user according to the financial index information, and searching a risk type of the user in a corresponding relationship between the risk preference value and a preset risk type byutilizing the risk preference value; calculating the investable amount of the user according to the amount of the mobile assets and the expenditure amount; querying product information of a target product in a product library according to the investable amount and the risk type of the user; and pushing the product information to the user. According to the invention, scientific guidance is providedfor a new user when the new user purchases a product.

Description

technical field [0001] The present application relates to the field of data processing, in particular to a method for pushing product information, electronic equipment and a storage medium. Background technique [0002] With the development of the economy and the improvement of living standards, the disposable wealth of residents has also increased, and customers' demand for wealth management products of banks is increasing. [0003] At present, there are many kinds of wealth management products in banks. For new users who want to buy wealth management products but have never bought wealth management products, they often don’t know which kind of wealth management products to choose. There is blindness in choosing wealth management products. sex. [0004] In the existing technology, the data of historical wealth management product purchases of old users who have purchased wealth management products are analyzed to obtain the ranking of the number of times the wealth manageme...

Claims

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Application Information

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IPC IPC(8): G06Q30/06G06Q40/02G06Q40/06
CPCG06Q30/0631G06Q40/06G06Q40/03
Inventor 裴莹季丁丁黄艳黄昊
Owner BANK OF CHINA
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