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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AI-Extracted 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...
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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.

Application Domain

FinanceBuying/selling/leasing transactions

Technology Topic

Data scienceOperations research +3

Image

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

Examples

  • Experimental program(2)

Example Embodiment

[0074] Embodiment 2 of this application:
[0075] Attached to this application manual figure 2 , Here is another embodiment of this application.
[0076] The electronic device provided by 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 user identification information, and query the user's current asset amount and long-term asset amount 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; the user’s financial index information is calculated by the inquired amount of the current assets, the amount of long-term assets, the amount of liabilities and the amount of income, and the financial index information is calculated according to the financial index The user’s risk preference value, using the risk preference value to find the user’s risk type in the corresponding relationship between the risk preference value and the preset risk type; calculate the user based on the amount of current assets and the amount of expenditure Query the product information of the target product in the product library according to the user’s investable amount and risk type; push the product information to the display 21.
[0080] It should be noted that the execution process in the second embodiment of the present application is not described in detail, and you can refer to the first embodiment of the present application.
[0081] Through the electronic equipment disclosed in the embodiments of the present application, when at least one wealth management product is recommended to a new user, the financial status information of the new user is analyzed, which avoids non-professional investors who have never purchased a wealth management product from having their own financial status The incomplete analysis of information and risk tolerance and the selection of inappropriate financial products have effectively improved the scientific and pertinence of new users when purchasing financial products.

Example Embodiment

[0082] The third embodiment of this application:
[0083] The embodiment of the present application discloses a storage medium for storing a program, where the program causes the system server to perform the following operations when the program is executed:
[0084] Obtain user identification information, and query the user’s current asset amount, long-term asset amount, liability amount, income amount, and expenditure amount in the data system where the user is located according to the identification information; The amount of assets, the amount of long-term assets, the amount of liabilities, and the amount of income calculate the user’s financial index information, calculate the user’s risk preference value based on the financial index information, and use the risk preference value to Find the user’s risk type in the corresponding relationship between the risk preference value and the preset risk type; calculate the user’s investable amount based on the current asset amount and the expenditure amount; according to the user’s investable amount and risk type Query the product information of the target product in the product library; push the product information to the user.
[0085] It should be noted that the execution process in the third embodiment of the present application is not elaborated, and you can refer to the first embodiment of the present application.
[0086] Through the storage medium disclosed in the embodiment of the present application, when the program in the storage medium is executed, when at least one wealth management product is recommended to a new user, the financial status information of the new user is analyzed, which avoids that the financial management product has never been purchased. The non-professional investment personnel of the product have incomplete analysis of their own financial status information and risk tolerance, and thus choose inappropriate financial products, which effectively improves the scientific and pertinence of new users when purchasing financial products.
[0087] Those of ordinary skill in the art can understand that all or part of the steps of the above method embodiments can be implemented by a program instructing relevant hardware. The foregoing program can be stored in a computer readable storage medium. When the program is executed, the execution includes The steps of the foregoing method embodiment; and the foregoing storage medium may be at least one of the following media: read-only memory (English: read-only memory, abbreviation: ROM), RAM, magnetic disk or optical disk, etc., which can store The medium of the program code.
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Description & Claims & Application Information

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