Financial product information display method and device, storage medium and computer equipment

Abstract

The invention discloses a financial product information display method and device, a storage medium and computer equipment. According to the information display method for the financial products, the behavior characteristics and the product preference characteristics of the user are determined by analyzing the financial products purchased by the user, the opened bank services and the transaction browsing records. And the background server automatically matches a second financial product meeting the customer demand on the basis of the recommendation model, further filters the second financial product matched by the model through a preset condition, and returns the filtered product information to the bank client for display. Therefore, the financial product recommended to the user not only can meet the requirements and preferences of the user, but also can meet the operation requirements of a financial institution or a bank client. According to the method, business personnel do not need to call the user to recommend the financial product, the user is prevented from being disturbed, the accuracy of financial product recommendation can be improved, the unnecessary browsing time of the user is reduced, and the resource utilization efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of information management technology, and in particular to a method, device, storage medium and computer equipment for displaying information of financial products. Background Art

[0002] The product management of most marketing systems of financial institutions is merely post-production maintenance of a product. There is no data mining and intelligent analysis of product-related data. They can only recommend financial products to customers that are in line with the institution’s own activities, and are unable to make adaptive adjustments to different financial products. As a result, the recommended financial products may not meet the user’s wishes, which not only disturbs the customer, but also reduces the accuracy of financial product recommendations. Summary of the invention

[0003] In view of this, the present application provides a method, apparatus, storage medium and computer device for displaying information of financial products, which recommends suitable financial products to users by analyzing customers' preferences and behavioral habits for products, thereby improving the accuracy of recommendations.

[0004] According to an embodiment of the first aspect of the present application, a method for displaying information of a financial product is provided, which is applied to a server, and the method includes:

[0005] In response to an access request triggered by a bank client and carrying identity information of a target user to which the bank client belongs, determining, according to the identity information of the target user, a first financial product held by the target user, information on bank services activated by the target user, and historical behavior information of the target user, wherein the historical behavior information includes transaction behavior information and browsing behavior information;

[0006] Determine the product preference characteristics of the target user based on the target user's historical behavior information and the product information of First Financial products;

[0007] Determine the target user's behavioral characteristics based on the target user's historical behavioral information and banking service information;

[0008] Inputting the product preference characteristics and the behavior characteristics into the recommendation model to obtain a second financial product that matches the target user, wherein the recommendation model is trained based on sample data, and the sample data includes feature labels of the issued third financial product and the first sample user who purchased the third financial product;

[0009] If the product information of the second financial product meets the preset condition, the product information of the second financial product is sent to the bank client, so that the bank client displays the product information of the second financial product.

[0010] Furthermore, the method for displaying information of financial products also includes:

[0011] Build an R language server on the server side;

[0012] Import the sample data in the local database of the server into the R language server;

[0013] Generate data screening scripts based on target business scenarios;

[0014] Filter the sample data imported into the R language server according to the data screening script to determine the target sample data;

[0015] The original machine learning model is trained based on the target sample data to obtain the recommended model.

[0016] Furthermore, the method for displaying information of financial products also includes:

[0017] Obtaining identity information of a first sample user;

[0018] Clustering the first sample users according to the third financial product to obtain a user cluster corresponding to each third financial product;

[0019] Based on the identity information of the first sample user, obtain the bank service information activated by the first sample user and the historical behavior information of the first sample user;

[0020] Determine a feature label of the third financial product corresponding to the user cluster based on the historical behavior information of the first sample user in the same user cluster, the product information of the third financial product, and the bank service information activated by the first sample user;

[0021] The feature tags and the third financial products of the user cluster corresponding to the feature tags are stored in an associated manner.

[0022] Furthermore, the method for displaying information of financial products also includes:

[0023] In response to the configuration operation, displaying an edit page, wherein the edit page includes an associated feature tag and a third financial product;

[0024] Screening the first sample users to determine second sample users of the third financial product who meet the characteristic label and are not included in the user cluster;

[0025] Determine the available transaction amount of the third financial product based on the transaction amount of the third financial product and the planned amount of the third financial product;

[0026] If the available transaction amount is greater than the first preset amount, the number of first sample users and identity information of second sample users corresponding to the third financial product are displayed on the editing page;

[0027] In response to a change operation on a feature tag of any third financial product in the editing page, the feature tag is edited according to the preset features indicated by the change operation.

[0028] Further, sending product information of the second financial product that meets the preset conditions to the bank client includes:

[0029] Obtain the right to purchase the second financial product;

[0030] Matching the target user's identity information with the purchase authority, and determining a fourth financial product among the second financial products that matches the target user and meets the preset conditions;

[0031] Sorting the fourth financial product according to a preset sorting rule corresponding to the product preference characteristics to determine the product ranking;

[0032] The product information of the fourth financial product located before the preset position in the product ranking is sent to the bank client.

[0033] Furthermore, the method for displaying information of financial products also includes:

[0034] If the second financial product belongs to a preset product category, determining that the product information of the second financial product meets the preset conditions; and / or,

[0035] If the second financial product belongs to the target business scenario, determining that the product information of the second financial product meets the preset conditions; and / or,

[0036] If the time between the current time and the release time of the second financial product is less than the first preset time, it is determined that the product information of the second financial product meets the preset condition; and / or,

[0037] If the number of users who purchased the second financial product is greater than a second preset number, determining that the product information of the second financial product meets the preset condition; and / or,

[0038] If the time between the current time and the end time of the second financial product is less than the second preset time, it is determined that the product information of the second financial product meets the preset condition.

[0039] According to an embodiment of the second aspect of the present application, a method for displaying information of financial products is provided, which is applied to a bank client, and the method includes:

[0040] In response to the target user's access request, receiving product information of a second financial product that meets the preset conditions and is sent by the server, wherein the second financial product is determined by a recommendation module based on the product preference characteristics and behavior characteristics of the target user, the product preference characteristics are determined based on the target user's historical behavior information and the product information of the first financial product that the target user has already held, and the behavior characteristics are determined based on the target user's historical behavior information and the bank service information that the target user has opened;

[0041] Display product information of the second financial product that meets the preset conditions.

[0042] Furthermore, the method for displaying information of financial products also includes:

[0043] In response to the display operation, display an information display page of the issued third financial product, wherein the information display page includes a first display component, a second display component and a third display component;

[0044] According to the product category of the third financial product, the product information of the third financial products whose transaction amount is greater than the second preset amount is sequentially displayed on the first display component;

[0045] Displaying, in order on the second display component, product information of the third financial products whose number of users who purchased the third financial products is greater than a first preset number, respectively, according to the product categories of the third financial products;

[0046] According to the product category of the third financial product, product information of the third financial products belonging to the target financial institution is sequentially displayed on the third display component, wherein the total transaction amount of the third financial products belonging to the product category under the target financial institution is greater than the third preset amount.

[0047] According to a third aspect of the present application, there is provided a financial product information display device, which is applied to a server, and includes:

[0048] A data processing module, for responding to an access request triggered by a bank client and carrying identity information of a target user to which the bank client belongs, and determining, based on the identity information of the target user, a first financial product held by the target user, bank service information activated by the target user, and historical behavior information of the target user, wherein the historical behavior information includes transaction behavior information and browsing behavior information; and, based on the historical behavior information of the target user and the product information of the first financial product, determining a product preference feature of the target user; and, based on the historical behavior information of the target user and the bank service information, determining a behavior feature of the target user;

[0049] A prediction module is used to input product preference characteristics and behavior characteristics into the recommendation model to obtain a second financial product that matches the target user;

[0050] The communication module is used to send the product information of the second financial product to the bank client if the product information of the second financial product meets the preset conditions, so that the bank client displays the product information of the second financial product.

[0051] Furthermore, the data processing module is also used to build an R language server on the server side; and, import the sample data in the local database of the server side into the R language server; and, generate a data screening script according to the target business scenario; and, according to the data screening script, screen the sample data imported into the R language server to determine the target sample data;

[0052] The information display device of financial products also includes:

[0053] The model building module is used to train the original machine learning model based on the target sample data to obtain the recommendation model.

[0054] Furthermore, the data processing module is also used to obtain the identity information of the first sample user; cluster the first sample users according to the third financial product to obtain the user cluster corresponding to each third financial product; obtain the bank service information that has been activated by the first sample user and the historical behavior information of the first sample user based on the identity information of the first sample user; determine the feature label of the third financial product corresponding to the user cluster based on the historical behavior information of the first sample user in the same user cluster, the product information of the third financial product and the bank service information that has been activated by the first sample user; and associate and store the feature label and the third financial product of the user cluster corresponding to the feature label.

[0055] Furthermore, the information display device of the financial product also includes:

[0056] A display module, configured to display an editing page in response to a configuration operation, wherein the editing page includes an associated feature tag and a third financial product;

[0057] The data processing module is further used to screen the first sample users to determine the second sample users of the third financial product who meet the characteristic label and are not included in the user cluster; and determine the available transaction amount of the third financial product according to the transaction amount of the third financial product and the planned amount of the third financial product;

[0058] The display module is further used to display the number of first sample users and identity information of second sample users corresponding to the third financial product on the editing page if the available transaction amount is greater than the first preset amount;

[0059] The configuration module is used to respond to a change operation on a feature label of any third financial product in the editing page and edit the feature label according to the preset features indicated by the change operation.

[0060] Furthermore, the data processing module is further used to obtain the purchase authority of the second financial product; and, match the identity information of the target user with the purchase authority to determine a fourth financial product in the second financial product that matches the target user and meets the preset conditions; and, sort the fourth financial product according to the preset sorting rule corresponding to the product preference feature to determine the product sorting;

[0061] The communication module is specifically used to send the product information of the fourth financial product located before the preset position in the product ranking to the bank client, so that the bank client displays the product information of the second financial product.

[0062] Furthermore, the data processing module is also used to determine that the product information of the second financial product meets the preset conditions if the second financial product belongs to a preset product category; and / or, if the second financial product belongs to a target business scenario, determine that the product information of the second financial product meets the preset conditions; and / or, if the time between the current moment and the release moment of the second financial product is less than a first preset time, determine that the product information of the second financial product meets the preset conditions; and / or, if the number of users who purchase the second financial product is greater than a second preset number, determine that the product information of the second financial product meets the preset conditions; and / or, if the time between the current moment and the termination moment of the second financial product is less than the second preset time, determine that the product information of the second financial product meets the preset conditions.

[0063] According to a fourth aspect of the present application, there is provided a financial product information display device, which is applied to a bank client, and the device includes:

[0064] a communication module, configured to respond to an access request of a target user and receive product information of a second financial product that meets preset conditions and is sent by a server, wherein the second financial product is determined by a recommendation module based on product preference characteristics and behavior characteristics of the target user, the product preference characteristics are determined based on historical behavior information of the target user and product information of a first financial product that the target user has already held, and the behavior characteristics are determined based on historical behavior information of the target user and information on bank services that the target user has opened;

[0065] The display module is used to display product information of the second financial product that meets the preset conditions.

[0066] Furthermore, the display module is also used to display an information display page of an issued third financial product in response to a display operation, wherein the information display page includes a first display component, a second display component and a third display component; based on the product category of the third financial product, product information of third financial products whose transaction amount is greater than a second preset amount is displayed sequentially on the first display component; based on the product category of the third financial product, product information of third financial products whose number of users who purchase the third financial products is greater than a first preset number is displayed sequentially on the second display component; based on the product category of the third financial product, product information of third financial products belonging to a target financial institution is displayed sequentially on the third display component, wherein the total transaction amount of the third financial products belonging to the product category under the target financial institution is greater than the third preset amount.

[0067] According to the fifth aspect of the present application, a readable storage medium is provided, on which a program or instruction is stored. When the program or instruction is executed by a processor, the steps of the above-mentioned financial product information display method are implemented.

[0068] According to the sixth aspect of the present application, a computer device is provided, including a storage medium, a processor, and a computer program stored on the storage medium and executable on the processor, and the processor implements the steps of the above-mentioned financial product information display method when executing the program.

[0069] By means of the above technical solution, when a user visits a bank client, the backend server analyzes the financial products that the user has purchased, the bank services that have been opened, and the transaction browsing records to determine the user's behavioral characteristics and product preference characteristics. Based on this, the system recommendation model automatically matches the second financial product that meets the customer's needs, and further filters the second financial product matched by the model through preset conditions such as activities, recommendation conditions, and information display conditions set by the financial institution or bank client, and returns the filtered product information to the bank client for display. Thus, the financial products recommended to the user can meet the user's needs and preferences, and can also meet the operational needs of the financial institution or bank client. On the one hand, there is no need for business personnel to call users to recommend financial products, avoid disturbing users, improve customer satisfaction with the bank, and improve customer stickiness and retention rate. On the other hand, the accuracy of financial product recommendations is improved, the user experience in the bank client is improved, and unnecessary browsing time is reduced. At the same time, bank resources can be better configured, resource utilization efficiency can be improved, and it is helpful to promote the sales of financial products.

[0070] The above description is only an overview of the technical solution of the present application. In order to more clearly understand the technical means of the present application, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present application more obvious and easy to understand, the specific implementation methods of the present application are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0071] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0072] Figure 1 A schematic diagram showing a flow chart of a method for displaying information of a financial product provided in an embodiment of the present application is shown;

[0073] Figure 2 A schematic diagram of a scenario of a bank client provided in an embodiment of the present application is shown;

[0074] Figure 3 One of the structural block diagrams of the information display device of financial products provided in the embodiment of the present application is shown;

[0075] Figure 4 The second structural block diagram of the information display device of the financial product provided in the embodiment of the present application is shown. DETAILED DESCRIPTION

[0076] The present application will be described in detail below with reference to the accompanying drawings and in combination with embodiments. It should be noted that the embodiments and features in the embodiments of the present application can be combined with each other without conflict.

[0077] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present application.

[0078] Those skilled in the art will appreciate that, unless expressly stated otherwise, the singular forms "a", "an", "" and "the" used herein may also include the plural forms. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. It should be understood that when we refer to an element as being "connected" or "connected" to another element, it may be directly connected or connected to the other elements, or there may be intermediate elements. In addition, "connected" or "connected" as used herein may include wireless connection or wireless fusion. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0079] Now, exemplary embodiments according to the present application will be described in more detail with reference to the accompanying drawings. However, these exemplary embodiments can be implemented in a variety of different forms and should not be interpreted as being limited to the embodiments set forth herein. It should be understood that these embodiments are provided to make the disclosure of the present application thorough and complete, and to fully convey the concepts of these exemplary embodiments to those of ordinary skill in the art.

[0080] In this embodiment, a method for displaying information of financial products is provided, such as Figure 1 As shown, the method includes:

[0081] Step 101, the server responds to an access request triggered by a bank client and carrying the identity information of a target user belonging to the bank client, and determines the first financial product held by the target user, the bank service information activated by the target user, and the historical behavior information of the target user based on the identity information of the target user.

[0082] Among them, historical behavior information includes transaction behavior information and browsing behavior information, such as whether the mobile banking is activated, the last time you logged into the mobile banking, the most recent transaction time, the single purchase amount, the starting point of personal purchase amount, whether you purchased recommended products, etc. This application does not make specific restrictions. The identity information of the target user includes customer number, gender, age, account age, customer reputation, customer level, etc., which is used to distinguish different users.

[0083] It is understandable that the conditions for generating the access request can be reasonably set based on the client operation rules, and the present application embodiment does not specifically limit it. For example, an access request is generated when jumping to the home page of the bank client, or when the bank client is started for the first time.

[0084] The information display method of financial products provided in the embodiments of the present application can be applied to the terminal, can also be applied to the server, and can also be software running in the terminal or the server. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server can be configured as an independent physical server, or a server cluster or distributed system composed of multiple physical servers, and can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the information display method of financial products, etc., but is not limited to the above forms. For example, a bank client refers to a mobile application developed or commissioned by a bank, through which customers can perform banking operations and inquiries on mobile devices such as mobile phones and tablets, such as transfers, payments, account balance inquiries, loan processing, and purchase of financial products.

[0085] It should be noted that the user information (including but not limited to user device information, identity information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0086] Step 102: The server determines the product preference characteristics of the target user based on the historical behavior information of the target user and the product information of the first financial product.

[0087] Among them, product preference features include: single purchase amount preference, personal purchase starting point preference, product category preference, product term preference, product risk level preference, etc. Product categories include: fixed savings, current savings, wealth management, funds, insurance, treasury bonds, trusts, asset management plans, personal loans, agricultural loans, small & micro loans, agricultural loans, precious metals, etc. Product information includes product type, product fundraising start / end date, product reputation, product maximum purchase limit, etc., which will not be listed one by one in the embodiments of this application.

[0088] In this embodiment, the characteristics, advantages, positioning and other information of the first financial product are determined through the product information of the first financial product, and then the core selling point of the product is determined. The target user's past purchase history, browsing history, search history, etc. are combined to analyze the target user's favorite product type, brand preference, price range and other preference characteristics, so as to match targeted promotion products according to the target user's product preference characteristics.

[0089] It is understandable that the system is pre-configured with correspondences between different information intervals and preset preference features. When it is necessary to analyze the product preference features of the target user, the system compares the historical behavior information of the target user and the product information of the first financial product purchased with the corresponding information intervals respectively. The preset features corresponding to the hit information interval are used as the product preference features of the target user.

[0090] Step 103: The server determines the behavior characteristics of the target user based on the historical behavior information and bank service information of the target user.

[0091] Among them, bank service information includes: whether a debit card has been opened, whether a credit card has been opened, whether a credit card has been instalmented, credit card level, whether an online banking contract has been signed, whether a mobile banking contract has been signed, whether a telephone banking contract has been signed, whether a text messaging contract has been signed, the time of first debit card application, whether a valid debit card is held, the time of quick payment contract, the time of online banking contract, etc. Behavioral characteristics include: card payment, bank card quick payment, third-party jump payment, bank client usage time, etc.

[0092] In this embodiment, by analyzing the historical behavior information and banking service information of the target user, the user's consumption habits, acceptance of the client and other behavioral characteristics can be more accurately understood, thereby providing personalized services and recommendations for the target user to meet the user's personalized needs.

[0093] It is understandable that, similar to analyzing the product preference characteristics of the target user, the system pre-stores the correspondence between different information intervals and preset behavior characteristics. By comparing the historical behavior information and bank service information with the corresponding information interval, the behavior characteristics of the target user are matched.

[0094] In step 104, the server inputs the product preference characteristics and behavior characteristics into the recommendation model to obtain a second financial product that matches the target user.

[0095] The recommendation model is trained based on sample data, and the sample data includes characteristic labels of issued third financial products and first sample users who purchased the third financial products.

[0096] In this embodiment, model training is performed based on sample data, and the product preference characteristics and behavior characteristics of the target user are input into the trained recommendation model to generate one or more second financial products that the target user may like, thereby improving the accuracy of financial product recommendations.

[0097] In one embodiment, before step 104, the information display method of the financial product also includes: the server side builds an R language server in the server side; the server side imports sample data in the local database into the R language server; the server side generates a data screening script according to the target business scenario; the server side screens the sample data imported into the R language server according to the data screening script to determine the target sample data; the server side trains the original machine learning model according to the target sample data to obtain a recommendation model.

[0098] Among them, the target business scenario can be reasonably set according to the operational needs of business personnel. For example, for financial product recommendations for young customers, elderly people, and wealthy families, the data screening script can be used to screen out sample data related to young customers, elderly people, and wealthy families. Or for treasury bond product recommendations, the data screening script can be used to screen out sample data related to treasury bond products.

[0099] In this embodiment, the data in the local database of the server is imported into the constructed R language server, so that the access to the original local database can be migrated to the R language server, and the memory computing characteristics of the R language are used to achieve rapid screening of data, which helps to quickly implement the screening of massive data. Further, the data screening script is used to screen out high-quality target sample data for the target business scenario to reduce the interference of noise and invalid information. The target sample data is then used to train the original machine learning model so that the machine learning model can be better generalized to the new data set, which helps the model to learn clearer and more specific rules and associations, avoid overfitting and underfitting problems, and thus improve the accuracy and reliability of the recommended model after training.

[0100] Taking SAP HANA database as an example, the local database can be used by calling SAP HANA functions to import data into the model and defining relevant parameters. In order to execute R code in SAP HANA, the R code will be embedded in the form of RLANG stored procedures and executed by the external Rserve. In order to support R operators, the calculation engine of SAP HANA has been extended to output a result table after calculation for a given input object. Unlike local database operators, R operators can use R functions to process data. When the calculation engine recognizes the R operator, the R Client sends a request to Rserve and sends relevant parameters to trigger execution. After execution, the result data frame is sent to the calculation engine.

[0101] Furthermore, in one embodiment, the information display method of the financial product also includes: the server obtains the identity information of the first sample user; the server clusters the first sample users according to the third financial product to obtain the user cluster corresponding to each third financial product; the server obtains the bank service information that has been activated by the first sample user and the historical behavior information of the first sample user based on the identity information of the first sample user; the server determines the feature label of the user cluster corresponding to the third financial product based on the historical behavior information of the first sample user in the same user cluster, the product information of the third financial product and the bank service information that has been activated by the first sample user; the server associates and stores the feature label and the third financial product of the user cluster corresponding to the feature label.

[0102] Among them, each third financial product can be associated with one or more feature tags, which can be reasonably set according to the specific classification accuracy.

[0103] In this embodiment, a third financial product that has been issued, that is, that can be purchased by users, is obtained. The user cluster corresponding to each third financial product is obtained by clustering the first sample users who have purchased each third financial product. Then, the bank service information that has been opened by the first sample user and the historical behavior information of the first sample user are retrieved through the identity information of at least one first sample user belonging to the same user cluster. In this way, the system uses the bank service information, the historical behavior information of the first sample user, and the product information of the third financial product for analysis to obtain the feature label for the user cluster. The feature label and the corresponding third financial product are stored in association to derive the user-product label. So that through the user-product label, the system automatically recommends the product to the target user suitable for the label, realizes the intelligent recommendation of financial products, helps to reduce the sales difficulty of business personnel, and improves the efficiency of financial product management.

[0104] Furthermore, in one embodiment, after associating and storing the feature tag and the corresponding third financial product, the information display method of the financial product also includes: the server displays an editing page in response to a configuration operation; the server screens the first sample users to determine second sample users of the third financial product who meet the feature tag and are not included in the user cluster; the server determines the available transaction amount of the third financial product based on the transaction amount of the third financial product and the planned amount of the third financial product; if the available transaction amount is greater than the first preset amount, the server displays the number of first sample users corresponding to the third financial product and the identity information of the second sample users on the editing page; the server edits the feature tag according to the preset features indicated by the change operation in response to a change operation on the feature tag of any third financial product in the editing page.

[0105] The editing page includes associated feature tags and product information of the third financial product.

[0106] Specifically, editing a feature tag may be modifying the feature tag, deleting the feature tag, or adding a feature tag.

[0107] In this embodiment, the system responds to the configuration operation of the business personnel and displays the associated stored feature tags and the third financial product on the editing page. Further, the second sample users who meet the feature tags of the third financial product and have not purchased the third financial product, that is, who may purchase the third financial product, are counted. At the same time, the available transaction amount of each third financial product is counted. By comparing the size relationship between the available transaction amount and the first preset amount, it is determined whether the third financial product has sufficient quota for users to purchase. When the available transaction amount is greater than the first preset amount, it means that the remaining purchase amount of the third financial product is large. At this time, the number of first sample users and the identity information of the second sample users corresponding to the third financial product are displayed on the editing page. Through the editing page, the business personnel can intuitively find the third financial product that needs to be recommended, as well as the relevant user information, which is convenient for the business personnel to carry out marketing planning. The business personnel can also change the feature tags at the system level through the number of first sample users and the identity information of the second sample users displayed on the editing page. On the one hand, through label classification, it is convenient for business personnel to manage and organize financial products and improve work efficiency. On the other hand, it realizes the function of conveniently setting suitable labels for the third-party financial products you need, which helps to make personalized recommendations for different third-party financial products, helping the system to more accurately recommend relevant financial products to users and improve user experience. In addition, for newly launched financial products, since there is no user purchase record, the system cannot smoothly analyze the feature labels. By manually editing the product feature labels, newly launched financial products can be included in the recommendation system, increasing the exposure of new products in the recommendation system, allowing more users to discover and understand new products, and improving product promotion efficiency.

[0108] It is worth mentioning that different editing permissions can be configured for different business personnel and back-end terminals to avoid data analysis errors caused by misoperation. For example, the account manager has all viewing + editing functions, while ordinary account management staff do not have the permission to modify and delete tags. Or designate a computer as the permission terminal. Only when the configuration operation is triggered on the permission terminal can all viewing + editing functions be realized, and other computers do not have the permission to modify and delete tags.

[0109] Step 105: If the product information of the second financial product meets the preset conditions, the server sends the product information of the second financial product to the bank client.

[0110] In one embodiment, the preset conditions include but are not limited to whether the second financial product belongs to a preset product category, whether the second financial product belongs to a target business scenario, whether the time between the current moment and the release time of the second financial product is less than a first preset time, whether the number of users who purchase the second financial product is greater than a second preset number, whether the time between the current moment and the termination time of the second financial product is less than a second preset time, etc., which can be reasonably set according to actual needs and are not specifically limited in the embodiments of the present application.

[0111] Among them, the preset product category is used to determine whether it is the indicated recommended product category, the first preset time is used to determine whether it is a new product, the second preset quantity is used to determine whether it is a hot-selling product, and the second preset time is used to determine whether it is a product nearing its expiration date.

[0112] Specifically, if the second financial product belongs to a preset product category, it means that the second financial product is a product category that can be recommended, and then it is determined that the product information of the second financial product meets the preset condition.

[0113] If the second financial product belongs to the target business scenario, it means that the second financial product meets the recommendation requirements of the target business scenario, and then it is determined that the product information of the second financial product meets the preset conditions.

[0114] If the time between the current moment and the release time of the second financial product is less than the first preset time, it means that the second financial product has just been released and is a new product. In order to better promote the new product, it can be determined that the product information of the second financial product meets the preset conditions.

[0115] If the number of users who purchase the second financial product is greater than the second preset number, it means that the number of users who purchase the second financial product is large, the second financial product is a best-selling product, and is more in line with the current popular trend. Therefore, it is determined that the product information of the second financial product meets the preset conditions.

[0116] If the time between the current moment and the expiration time of the second financial product is less than the second preset time, it means that the remaining purchase period of the second financial product is about to expire. In order to promptly remind the user of the product purchase validity period, it is determined that the product information of the second financial product meets the preset conditions.

[0117] In one embodiment, step 105, that is, sending the product information of the second financial product that meets the preset conditions to the bank client, specifically includes the following steps:

[0118] Step 105-1, the server obtains the purchase authority of the second financial product.

[0119] Among them, purchase permissions are used to indicate restrictions on users’ purchase of financial products in order to prevent malicious acquisitions, market monopoly and other malicious incidents.

[0120] It is worth mentioning that different purchase permissions can be set for different product categories. For example, the purchase permission for insurance products can be set to specify product sales areas, policyholder age limits, insured age limits, borrower accident insurance limits, etc. The purchase permission for financial products can be set to specify network access dates, specify risk levels, etc.

[0121] Step 105 - 2 , the server matches the identity information of the target user with the purchase authority, and determines a fourth financial product among the second financial products that matches the target user and meets the preset conditions.

[0122] Among them, the second financial product includes the fourth financial product.

[0123] Step 105 - 3 , the server sorts the fourth financial product according to the preset sorting rules corresponding to the product preference characteristics to determine the product sorting.

[0124] For example, if the user prefers low-risk products, the products are sorted from low to high according to their risks. If the user prefers savings products, the products are sorted from high to low according to their savings interest rates.

[0125] Step 105 - 4 , the server sends the product information of the fourth financial product located before the preset position in the product ranking to the bank client.

[0126] In this embodiment, by matching the identity information and purchase authority of the target user, a fourth financial product that can be purchased by the target user is determined from the second financial products. This avoids recommending products to users who do not meet the conditions, saves resources and time, and can reduce the disturbance of the target user by frequently pushing useless information, thereby improving the user experience. Furthermore, before sending the product information of the fourth financial product, the fourth financial product can be sorted according to the user's preferences. This allows the displayed product information of the fourth financial product to highlight the aspects that the user is more concerned about, improves the recommendation accuracy of the financial product, optimizes the product recommendation function, and helps to improve the recommendation conversion rate.

[0127] Step 106: The bank client receives product information of a second financial product that meets preset conditions and is sent by the server in response to the target user's access request.

[0128] Step 107: The bank client displays product information of the second financial product that meets the preset conditions.

[0129] The information display method of financial products provided by the present application, when a user visits a bank client, the backend server analyzes the financial products that the user has purchased, the bank services that have been opened, and the transaction browsing records to determine the user's behavioral characteristics and product preference characteristics. Based on this, the system recommendation model automatically matches the second financial product that meets the customer's needs, and further filters the second financial product matched by the model through preset conditions such as activities, recommendation conditions, and information display conditions set by the financial institution or bank client, and returns the filtered product information to the bank client for display. Thus, the financial products recommended to the user can meet the user's needs and preferences, and can also meet the operational needs of the financial institution or bank client. On the one hand, there is no need for business personnel to call users to recommend financial products, avoid disturbing users, improve customer satisfaction with the bank, and improve customer stickiness and retention rate. On the other hand, the accuracy of financial product recommendations is improved, the user experience in the bank client is improved, and unnecessary browsing time is reduced. At the same time, it can better configure bank resources, improve resource utilization efficiency, and help promote the sales of financial products.

[0130] In one embodiment, after receiving the product information of the second financial product sent by the server, the bank client can further filter the second financial product or adjust the product information according to the page display conditions of the bank client, so that the product information of the second financial product can meet the page display requirements. For example, in order to ensure the clarity of the information observed by the user, the mobile banking client can only display the product information of less than 3 financial products. Or, when the product information has too many words, omit unimportant parts of the text.

[0131] In one embodiment, the method for displaying information of financial products further includes:

[0132] Step 201: In response to a display operation, the bank client receives product information of an issued third financial product sent by the server.

[0133] Step 202: The bank client displays an information display page of the issued third financial product.

[0134] The information display page includes a first display component, a second display component and a third display component.

[0135] Step 203: The bank client sequentially displays product information of the third financial products whose transaction amounts are greater than the second preset amount on the first display component according to the product categories of the third financial products.

[0136] Step 204 , the bank client sequentially displays product information of the third financial products whose number of users who purchased the third financial products is greater than a first preset number on the second display component according to the product category of the third financial products.

[0137] Step 205 , the bank client sequentially displays product information of the third financial products belonging to the target financial institution on the third display component according to the product categories of the third financial products.

[0138] Among them, the total transaction amount of the third financial product belonging to the product category under the target financial institution is greater than the third preset amount.

[0139] In this embodiment, the system responds to the user's display operation and displays the information display page of the issued third financial product. The information display page is divided into multiple display components. The system classifies and sorts a large number of third financial products and displays classified products in different aspects on different display components. This facilitates users to comprehensively view the product information of third financial products from different aspects, saves users time in screening and searching for products, assists users in quickly learning about popular financial products on the market, and provides convenience for users.

[0140] For example, Figure 2 As shown, the information display page includes a hot-selling section, a product popularity section, and an institutional popularity section. According to the categories of financial management, insurance, funds, bonds, etc., the total amount of sales is arranged in reverse order, and the top 5 current sales volume is displayed in the hot-selling section. The display fields include: product serial number, product category, product release date, current total purchase amount, remaining purchase amount, and ranking. According to the categories of financial management, insurance, funds, bonds, etc., the number of customers who purchased is counted and arranged in reverse order. The top 5 current customer numbers are displayed in the product popularity section. The display fields include: product serial number, product category, product release date, current number of holders, average purchase amount, current largest order, and ranking. According to the categories of financial management, insurance, funds, bonds, etc., the number of institutions + sales is counted and arranged in reverse order. The top 5 with the highest current sales volume are displayed in the institutional popularity section. The display fields include: product serial number, product category, product release date, the institution with the highest current sales volume, institutional sales volume, the average purchase amount of the institution, and ranking.

[0141] It is understandable that the configuration operation, change operation or display operation in this application includes but is not limited to click operation, key operation, fingerprint input operation, sliding operation, and pressing operation. Key operation includes but is not limited to single-click operation, double-click operation, long-press operation or combination key operation of the power key, volume key, and main menu key of the client. The embodiment of this application does not specifically limit the specific operation method, which can be any achievable method.

[0142] It should be noted that the size of the serial numbers of the steps in the above embodiments does not mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0143] Furthermore, if Figure 3 As shown, as a specific implementation of the above-mentioned financial product information display method, an embodiment of the present application provides a financial product information display device 300, and the financial product information display device 300 includes: a data processing module 301, a prediction module 302 and a communication module 303.

[0144] The data processing module 301 is used to respond to an access request triggered by a bank client and carrying the identity information of a target user belonging to the bank client, and determine the first financial product held by the target user, the bank service information activated by the target user, and the historical behavior information of the target user according to the identity information of the target user, wherein the historical behavior information includes transaction behavior information and browsing behavior information; and, based on the historical behavior information of the target user and the product information of the first financial product, determine the product preference characteristics of the target user; and, based on the historical behavior information of the target user and the bank service information, determine the behavior characteristics of the target user; the prediction module 302 is used to input the product preference characteristics and the behavior characteristics into a recommendation model to obtain a second financial product matching the target user; the communication module 303 is used to send the product information of the second financial product to the bank client if the product information of the second financial product meets the preset conditions, so that the bank client displays the product information of the second financial product.

[0145] Furthermore, the data processing module 301 is also used to build an R language server on the server side; and, import the sample data in the local database of the server side into the R language server; and, generate a data screening script according to the target business scenario; and, based on the data screening script, screen the sample data imported into the R language server to determine the target sample data; the financial product information display device 300 also includes: a model building module (not shown in the figure), the model building module is used to train the original machine learning model based on the target sample data to obtain a recommendation model.

[0146] Furthermore, the data processing module 301 is also used to obtain the identity information of the first sample user; cluster the first sample users according to the third financial product to obtain the user cluster corresponding to each third financial product; obtain the bank service information that has been activated by the first sample user and the historical behavior information of the first sample user based on the identity information of the first sample user; determine the feature label of the third financial product corresponding to the user cluster based on the historical behavior information of the first sample user in the same user cluster, the product information of the third financial product and the bank service information that has been activated by the first sample user; and associate and store the feature label and the third financial product of the user cluster corresponding to the feature label.

[0147] Furthermore, the information display device 300 of financial products also includes: a display module (not shown in the figure), which is used to display an editing page in response to a configuration operation, wherein the editing page includes associated feature tags and a third financial product; a data processing module 301, which is also used to screen the first sample users to determine the second sample users of the third financial product who meet the feature tags and are not included in the user cluster; and, based on the transaction amount of the third financial product and the planned amount of the third financial product, determine the available transaction amount of the third financial product; the display module is also used to display the number of first sample users and identity information of the second sample users corresponding to the third financial product on the editing page if the available transaction amount is greater than the first preset amount; a configuration module (not shown in the figure), which is used to respond to a change operation on the feature tag of any third financial product in the editing page, and edit the feature tag according to the preset features indicated by the change operation.

[0148] Furthermore, the data processing module 301 is also used to obtain the purchase authority of the second financial product; and, match the identity information of the target user with the purchase authority to determine a fourth financial product in the second financial product that matches the target user and meets the preset conditions; and, sort the fourth financial product according to the preset sorting rules corresponding to the product preference characteristics to determine the product sorting; the communication module 303 is specifically used to send the product information of the fourth financial product located before the preset position in the product sorting to the bank client, so that the bank client displays the product information of the second financial product.

[0149] Further, the data processing module 301 is also used to determine that the product information of the second financial product meets the preset conditions if the second financial product belongs to a preset product category; and / or, if the second financial product belongs to a target business scenario, determine that the product information of the second financial product meets the preset conditions; and / or, if the time between the current moment and the release moment of the second financial product is less than a first preset time, determine that the product information of the second financial product meets the preset conditions; and / or, if the number of users who purchase the second financial product is greater than a second preset number, determine that the product information of the second financial product meets the preset conditions; and / or, if the time between the current moment and the termination moment of the second financial product is less than the second preset time, determine that the product information of the second financial product meets the preset conditions.

[0150] Furthermore, if Figure 4 As shown, as a specific implementation of the above-mentioned financial product information display method, an embodiment of the present application provides a financial product information display device 400, and the financial product information display device 400 includes: a communication module 401 and a display module 402.

[0151] Among them, the communication module 401 is used to respond to the access request of the target user and receive the product information of the second financial product that meets the preset conditions sent by the server, wherein the second financial product is determined by the recommendation module based on the product preference characteristics and behavior characteristics of the target user, the product preference characteristics are determined based on the historical behavior information of the target user and the product information of the first financial product that the target user has held, and the behavior characteristics are determined based on the historical behavior information of the target user and the bank service information that the target user has opened; the display module 402 is used to display the product information of the second financial product that meets the preset conditions.

[0152] Furthermore, the display module 402 is also used to display an information display page of the issued third financial product in response to a display operation, wherein the information display page includes a first display component, a second display component and a third display component; based on the product category of the third financial product, the product information of the third financial product whose transaction amount is greater than a second preset amount is displayed sequentially on the first display component; based on the product category of the third financial product, the product information of the third financial product whose number of users who purchased the third financial product is greater than a first preset number is displayed sequentially on the second display component; based on the product category of the third financial product, the product information of the third financial product belonging to the target financial institution is displayed sequentially on the third display component, wherein the total transaction amount of the third financial products belonging to the product category under the target financial institution is greater than the third preset amount.

[0153] For the specific definition of the information display device of the financial product in the above embodiment, please refer to the definition of the information display method of the financial product above, which will not be repeated here. Each module in the above-mentioned information display device of the financial product can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0154] Based on the above Figure 1 The method shown in the embodiment of the present application accordingly provides a readable storage medium on which a computer program is stored, and when the program is executed by a processor, the above-mentioned Figure 1 The information display method of the financial products shown.

[0155] Based on this understanding, the technical solution of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, USB flash drive, mobile hard disk, etc.), including a number of instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods of various implementation scenarios of the present application.

[0156] Based on the above Figure 1 The method shown, and Figure 3 , Figure 4 In order to achieve the above-mentioned purpose, the embodiment of the present application further provides a computer device, which can be a personal computer, a server, a network device, etc. The computer device includes a storage medium and a processor; the storage medium is used to store a computer program; the processor is used to execute the computer program to achieve the above-mentioned Figure 1 The information display method of the financial products shown.

[0157] Optionally, the computer device may further include a user interface, a network interface, a camera, a radio frequency (RF) circuit, a sensor, an audio circuit, a WI-FI module, etc. The user interface may include a display, an input unit such as a keyboard, etc., and the optional user interface may also include a USB interface, a card reader interface, etc. The network interface may optionally include a standard wired interface, a wireless interface (such as a Bluetooth interface, a WI-FI interface), etc.

[0158] Those skilled in the art will appreciate that the computer device structure provided in this embodiment does not limit the computer device, and may include more or fewer components, or a combination of certain components, or different component arrangements.

[0159] The storage medium may also include an operating system and a network communication module. The operating system is a program that manages and saves the hardware and software resources of the computer device, and supports the operation of information processing programs and other software and / or programs. The network communication module is used to realize communication between the components inside the storage medium, and communication with other hardware and software in the physical device.

[0160] Through the description of the above implementation methods, technical personnel in this field can clearly understand that the present application can be implemented by means of software plus necessary general hardware platforms, and can also be implemented by hardware in response to an access request triggered by a bank client and carrying the identity information of a target user to which the bank client belongs, and determining the first financial product held by the target user, the bank service information activated by the target user, and the historical behavior information of the target user according to the identity information of the target user, wherein the historical behavior information includes transaction behavior information and browsing behavior information; determining the product preference characteristics of the target user according to the historical behavior information of the target user and the product information of the first financial product; determining the behavior characteristics of the target user according to the historical behavior information of the target user and the bank service information; inputting the product preference characteristics and the behavior characteristics into the recommendation model to obtain a second financial product matching the target user, wherein the recommendation model is trained based on sample data, and the sample data includes feature labels of a third financial product that has been issued and a first sample user who purchases the third financial product; if the product information of the second financial product meets the preset conditions, sending the product information of the second financial product to the bank client so that the bank client displays the product information of the second financial product. Or in response to the target user's access request, receiving the product information of the second financial product that meets the preset conditions sent by the service end, wherein the second financial product is determined by the recommendation module based on the product preference characteristics and behavior characteristics of the target user, the product preference characteristics are determined based on the historical behavior information of the target user and the product information of the first financial product already held by the target user, and the behavior characteristics are determined based on the historical behavior information of the target user and the bank service information that the target user has opened; displaying the product information of the second financial product that meets the preset conditions. In the embodiment of the present application, when the user accesses the bank client, the background service end analyzes the financial products that the user has purchased, the bank services that have been opened, and the transaction browsing records to determine the user's behavior characteristics and product preference characteristics. Based on this, the system recommendation model automatically matches the second financial product that meets the customer's needs, and further filters the second financial product matched by the model through the preset conditions such as activities, recommendation conditions, and information display conditions set by the financial institution or bank client, and returns the filtered product information to the bank client for display. In this way, the financial products recommended to the user can not only meet the user's needs and preferences, but also meet the operational needs of the financial institution or bank client. On the one hand, there is no need for business personnel to recommend financial products to users over the phone, thus avoiding disturbing users, improving customer satisfaction with the bank, and increasing customer stickiness and retention. On the other hand, it improves the accuracy of financial product recommendations, enhances the user experience in the bank client, reduces unnecessary browsing time, and at the same time, can better allocate bank resources, improve resource utilization efficiency, and help promote the sales of financial products.

[0161] Those skilled in the art will appreciate that the accompanying drawings are only schematic diagrams of a preferred implementation scenario, and the modules or processes in the accompanying drawings are not necessarily necessary for implementing the present application. Those skilled in the art will appreciate that the modules in the devices in the implementation scenario can be distributed in the devices of the implementation scenario according to the description of the implementation scenario, or can be changed accordingly and located in one or more devices different from the present implementation scenario. The modules of the above-mentioned implementation scenario can be combined into one module, or can be further split into multiple submodules.

[0162] The above serial numbers of this application are only for description and do not represent the advantages and disadvantages of the implementation scenarios. The above disclosure is only a few specific implementation scenarios of this application, but this application is not limited to them, and any changes that can be thought of by technicians in this field should fall within the scope of protection of this application.

Claims

1. A method for displaying information of financial products, characterized in that: Applied to the server, the method includes: In response to an access request triggered by a bank client and carrying identity information of a target user to which the bank client belongs, determining, according to the identity information of the target user, a first financial product held by the target user, information on bank services activated by the target user, and historical behavior information of the target user, wherein the historical behavior information includes transaction behavior information and browsing behavior information; Determining the product preference characteristics of the target user based on the historical behavior information of the target user and the product information of the first financial product; Determining the behavior characteristics of the target user based on the historical behavior information of the target user and the banking service information; Inputting the product preference feature and the behavior feature into a recommendation model to obtain a second financial product matching the target user, wherein the recommendation model is trained based on sample data, and the sample data includes feature labels of an issued third financial product and a first sample user who purchased the third financial product; If the product information of the second financial product meets the preset conditions, the product information of the second financial product is sent to the bank client, so that the bank client displays the product information of the second financial product.

2. The method for displaying information of financial products according to claim 1, characterized in that: The method further comprises: Building an R language server on the server side; Importing sample data in the local database of the server into the R language server; Generate data screening scripts based on target business scenarios; Screening the sample data imported into the R language server according to the data screening script to determine target sample data; The original machine learning model is trained according to the target sample data to obtain the recommendation model.

3. The method for displaying information of financial products according to claim 1, characterized in that: The method further comprises: Obtaining identity information of the first sample user; Clustering the first sample users according to the third financial product to obtain a user cluster corresponding to each of the third financial products; According to the identity information of the first sample user, obtain the bank service information activated by the first sample user and the historical behavior information of the first sample user; Determine the feature label of the third financial product corresponding to the user cluster based on the historical behavior information of the first sample user in the same user cluster, the product information of the third financial product, and the bank service information activated by the first sample user; The feature tag and the third financial product of the user cluster corresponding to the feature tag are stored in association.

4. The method for displaying information of financial products according to claim 3, characterized in that: The method further comprises: In response to the configuration operation, displaying an edit page, wherein the edit page includes the associated feature tag and product information of the third financial product; Screening the first sample users to determine second sample users of the third financial product who meet the feature label and are not included in the user cluster; Determining the available transaction amount of the third financial product according to the transaction amount of the third financial product and the planned amount of the third financial product; If the available transaction amount is greater than the first preset amount, the number of the first sample users and the identity information of the second sample users corresponding to the third financial product are displayed on the editing page; In response to a change operation on the feature label of any one of the third financial products in the editing page, the feature label is edited according to a preset feature indicated by the change operation.

5. The method for displaying information of a financial product according to any one of claims 1 to 4, characterized in that: The sending the product information of the second financial product that meets the preset condition to the bank client so that the bank client displays the product information of the second financial product includes: Obtaining the purchase authority of the second financial product; Matching the identity information of the target user with the purchase authority, and determining a fourth financial product among the second financial products that matches the target user and meets preset conditions; Sorting the fourth financial product according to a preset sorting rule corresponding to the product preference feature to determine a product ranking; The product information of the fourth financial product located before the preset position in the product ranking is sent to the bank client, so that the bank client displays the product information of the second financial product.

6. The method for displaying information of a financial product according to any one of claims 1 to 4, characterized in that: The method further comprises: If the second financial product belongs to a preset product category, determining that the product information of the second financial product meets a preset condition; and / or, If the second financial product belongs to the target business scenario, determining that the product information of the second financial product meets the preset conditions; and / or, If the time between the current time and the release time of the second financial product is less than the first preset time, it is determined that the product information of the second financial product meets the preset condition; and / or, If the number of users who purchased the second financial product is greater than a second preset number, determining that the product information of the second financial product meets a preset condition; and / or, If the time between the current time and the expiration time of the second financial product is less than a second preset time, it is determined that the product information of the second financial product meets the preset condition.

7. A method for displaying information of financial products, characterized in that: Applied to a bank client, the method includes: In response to the target user's access request, receiving product information of a second financial product that meets the preset conditions and is sent by the server, wherein the second financial product is determined by a recommendation module based on the product preference characteristics and behavior characteristics of the target user, the product preference characteristics are determined based on the target user's historical behavior information and the product information of the first financial product that the target user has already held, and the behavior characteristics are determined based on the target user's historical behavior information and the bank service information that the target user has opened; Display product information of the second financial product that meets the preset conditions.

8. The method for displaying information of financial products according to claim 7, characterized in that: The method further comprises: In response to the display operation, receiving product information of the issued third financial product sent by the server; Displaying an information display page of the third financial product, wherein the information display page includes a first display component, a second display component and a third display component; According to the product category of the third financial product, the product information of the third financial product with a transaction amount greater than a second preset amount is sequentially displayed on the first display component respectively; According to the product category of the third financial product, the product information of the third financial product whose number of users who purchased the third financial product is greater than a first preset number is sequentially displayed on the second display component respectively; According to the product category of the third financial product, product information of the third financial product belonging to the target financial institution is sequentially displayed on the third display component, wherein the total transaction amount of the third financial product belonging to the product category under the target financial institution is greater than a third preset amount.

9. A readable storage medium having a program or instruction stored thereon, characterized in that: When the program or instruction is executed by a processor, the steps of the method for displaying information of a financial product as described in any one of claims 1 to 8 are implemented.

10. A computer device comprising a storage medium, a processor, and a computer program stored in the storage medium and executable on the processor, characterized in that: When the processor executes the program, the method for displaying information of a financial product as claimed in any one of claims 1 to 8 is implemented.

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