Data processing method, device and equipment
By dynamically adjusting the access times of the risk assessment questionnaire based on user information and history, the problem of fixed restrictions on risk assessment questionnaire in the existing technology is solved, and more flexible and personalized risk assessment is achieved, and users' risk tolerance is protected. .
Patent Information
- Application Number
- CN202411282547.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-13
- Publication Date
- 2025-01-07
AI Technical Summary
In the prior art, the restrictions on the risk assessment questionnaire are relatively fixed and have poor flexibility. It is impossible to effectively match the real risk tolerance of different users, resulting in users who may purchase high-risk financial products that do not match their own risk tolerance.
By obtaining the user's access request, the matching target criteria are determined based on the user's personal and asset information, and dynamically adjusting the remaining number of accesses for users based on the historical evaluation records to decide whether to allow users to access the risk assessment questionnaire and improve the Flexibility in risk assessment.
It realizes personalized risk assessment based on the risk tolerance of different users, improves the flexibility of risk assessment, ensures that the financial products purchased by users match their own risk tolerance, and protects the interests of users.
Smart Images
Figure CN119273477A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing, and in particular to a data processing method, device and equipment. Background Art
[0002] In order to prevent customers from purchasing high-risk financial products that are inconsistent with their own risk tolerance, users are usually required to conduct a risk assessment before purchasing this type of financial product. The risk assessment is usually conducted through a questionnaire survey. The results of the risk assessment determine what risk level of financial products the user can purchase.
[0003] In order to protect customers and prevent them from ignoring their true risk tolerance in order to purchase high-yield products, according to the regulatory requirements of the institution, it is necessary to limit the number of times users can access the risk assessment questionnaire. However, the currently configured restrictions are relatively fixed and less flexible. Summary of the invention
[0004] The present application provides a data processing method, apparatus and device for improving the flexibility of risk assessment.
[0005] In a first aspect, an embodiment of the present application provides a data processing method, the method comprising: obtaining an access request from a user, the access request being used to request access to a risk assessment questionnaire; determining a target access rule set that matches the user information based on the user information of the user and a preset reference access rule set, the target access rule set comprising a rated number of accesses for the user to access the risk assessment questionnaire, and the user information being used to indicate the reference risk tolerance of the user; determining a first remaining access number set for the user based on the rated number of accesses in the target access rule set and the user's historical assessment record; and determining whether the user is allowed to access the risk assessment questionnaire based on the first remaining access number set of the user.
[0006] In an embodiment of the present application, a target access rule set that matches the user information is determined based on the user information, and whether the user is allowed to access the risk assessment questionnaire is determined based on the target access rule set and the user's historical assessment records. Compared with the method of using unified restriction conditions in the prior art, the method provided in the embodiment of the present application can flexibly select a target access rule set that matches different users, thereby helping to improve the flexibility of risk assessment.
[0007] In a possible implementation, the user information includes the user's personal information and the user's asset information; based on the user's user information and a preset reference access rule set, a target access rule set matching the user information is determined, including: determining the user's group category based on the personal information; determining the user's asset category based on the asset information; determining the target access rule set based on the user's group category, the asset category and the reference access rule set.
[0008] In this implementation, the user's asset information and personal information are taken into consideration, and a target access rule set that matches the user information is determined from two perspectives: the user's group category and asset category. This is a more comprehensive consideration, which is conducive to determining a target access rule set that better matches the user's actual risk tolerance.
[0009] In a possible implementation, each admission rule in the target admission rule set corresponds to a different time range; determining the first remaining admission number set for the user based on the rated admission number in the target admission rule set and the historical evaluation record of the user, including: determining the historical evaluation number of the user within the time range corresponding to each admission rule based on the historical evaluation record; determining the remaining admission number of the user under each admission rule based on the historical evaluation number and the rated admission number of each admission rule; and combining the remaining admission number of each admission rule in the target admission rule set into the first remaining admission number set.
[0010] In a possible implementation, the remaining access times of the user under each access rule are determined based on the historical evaluation times and the rated access times of each access rule, including: determining a second remaining access times set based on the rated access times of each access rule in the target access rule set and the historical evaluation times within the time range corresponding to each access rule; updating the second remaining access times set according to a preset strategy to obtain the remaining access times of each access rule in the target access rule set, wherein the preset strategy is used to indicate updating the remaining access times of the second access rule according to the remaining access times of the first access rule in the first remaining access times set, wherein the time range of the first access rule is greater than the time range of the second access rule.
[0011] In one possible implementation, according to a preset strategy, the second remaining access number set is updated to obtain the remaining access number of each access rule in the target access rule set, including: if it is determined that the remaining access number of the third access rule in the first remaining access number set is the same as the preset threshold, then the remaining access number of other access rules in the target access rule set are updated to the preset threshold, and the third access rule is the access rule with the largest time range in the target access rule set.
[0012] In a possible implementation manner, in the first remaining admission number set, the remaining admission number of the first admission rule is greater than or equal to the remaining admission number of the second admission rule.
[0013] In one possible implementation, determining whether to allow the user to access the risk assessment questionnaire is based on the user's first remaining access number set, including: determining the remaining access number of a fourth access rule from the first remaining access number set, the fourth access rule being the access rule with the smallest time range in the target access rule set; if the remaining access number of the fourth access rule is the same as a preset threshold, denying the user access to the risk assessment questionnaire; if the remaining access number of the fourth access rule is not the same as the preset threshold, allowing the user to access the risk assessment questionnaire.
[0014] In a second aspect, an embodiment of the present application provides a data processing device, comprising: an acquisition module, used to acquire an access request from a user, wherein the access request is used to request access to a risk assessment questionnaire; a determination module, used to determine a target access rule set that matches the user information based on the user information of the user and a preset reference access rule set, wherein the target access rule set includes a rated number of accesses for the user to access the risk assessment questionnaire, and the user information is used to indicate the reference risk tolerance of the user; the determination module is also used to determine a first remaining access number set for the user based on the rated number of accesses in the target access rule set and the user's historical assessment record; the determination module is also used to determine whether the user is allowed to access the risk assessment questionnaire based on the first remaining access number set of the user.
[0015] In a possible implementation, the user information includes the user's personal information and the user's asset information; the determination module is specifically used to: determine the user's group category based on the personal information; determine the user's asset category based on the asset information; determine the target access rule set based on the user's group category, the asset category and the reference access rule set.
[0016] In a possible implementation, each admission rule in the target admission rule set corresponds to a different time range; the determination module is specifically used to: determine the number of historical evaluations of the user within the time range corresponding to each admission rule based on the historical evaluation records; determine the remaining number of admissions of the user under each admission rule based on the historical evaluation times and the rated number of admissions of each admission rule; and group the remaining number of admissions of each admission rule in the target admission rule set into the first remaining number of admissions set.
[0017] In a possible implementation, the determination module is specifically used to: determine a second remaining access number set based on the rated access number of each access rule in the target access rule set and the historical evaluation number within the time range corresponding to each access rule; update the second remaining access number set according to a preset strategy to obtain the remaining access number of each access rule in the target access rule set, and the preset strategy is used to indicate that the remaining access number of the second access rule is updated according to the remaining access number of the first access rule in the first remaining access number set, wherein the time range of the first access rule is greater than the time range of the second access rule.
[0018] In a possible implementation, the determination module is specifically used to: if it is determined that the remaining access times of the third access rule in the first remaining access times set is the same as a preset threshold, then the remaining access times of other access rules in the target access rule set are updated to the preset threshold, and the third access rule is the access rule with the largest time range in the target access rule set.
[0019] In a possible implementation manner, in the first remaining admission number set, the remaining admission number of the first admission rule is greater than or equal to the remaining admission number of the second admission rule.
[0020] In a possible implementation, the determination module is specifically used to: determine the remaining access times of the fourth access rule from the first remaining access times set, the fourth access rule being the access rule with the smallest time range in the target access rule set; if the remaining access times of the fourth access rule is the same as a preset threshold, denying the user access to the risk assessment questionnaire; if the remaining access times of the fourth access rule is not the same as the preset threshold, allowing the user to access the risk assessment questionnaire.
[0021] In a third aspect, an embodiment of the present application provides a data processing device, comprising: at least one processor, and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the at least one processor implements the method described in the first aspect and any possible implementation manner above by executing the instructions stored in the memory.
[0022] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions. When the computer instructions are executed on a computer, the computer executes the method described in the first aspect and any possible implementation manner above.
[0023] In a fifth aspect, an embodiment of the present application provides a computer program product, comprising computer instructions, which, when executed on a computer, enables the method described in the first aspect and any possible implementation manner as described above to be implemented.
[0024] Regarding the beneficial effects of the second to fifth aspects, reference can be made to the contents described in the first aspect above, and no further details will be given here. BRIEF DESCRIPTION OF THE DRAWINGS
[0025] Figure 1 A schematic diagram of an application scenario of a data processing method provided in an embodiment of the present application;
[0026] Figure 2 A flowchart of a data processing method provided in an embodiment of the present application;
[0027] Figure 3 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application;
[0028] Figure 4 A schematic diagram of the structure of a data processing device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0029] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.
[0030] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.
[0031] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.
[0032] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.
[0033] In order to better understand the technical solution provided by the embodiments of the present application, Figure 1 The application scenarios to which the embodiments of the present application are applicable are briefly described.
[0034] Please refer to Figure 1 , is a schematic diagram of a scenario of a data processing method provided in an embodiment of the present application, such as Figure 1 As shown, the scenario diagram includes a user 110, a terminal device 120 and a data processing device 130, and an application 121 is running in the terminal device 120. The application 121 can communicate with the data processing device 130 through the terminal device 120.
[0035] The terminal device 120 includes but is not limited to a mobile phone, a personal computer (PC), a tablet computer, a laptop computer, a PDA, and a mobile internet device (MID). The terminal device 120 may run an application (APP) supporting financial services, which may provide services for selling financial products, such as stocks, funds, futures, etc. Figure 1 The application 121 shown. The data processing device 130 refers to a device or server with data processing capabilities. The device may be a terminal device. The content of the terminal device may correspond to the content described above. In another case, the data processing device 130 may be a functional module in the device or server with data processing capabilities. Figure 1 In the embodiment, the data processing device 130 is exemplified by a server, but in actual applications, the embodiments of the present application are not limited to this.
[0036] Exemplarily, user 110 can click on the risk assessment questionnaire in application 121 on the display interface provided by terminal device 120. In response to the click operation of user 110, application 121 sends an access request to data processing device 130 through terminal device 120. The access request is used to request access to the risk assessment questionnaire. After receiving the access request, data processing device 130 determines the target access rule set that matches the user information based on the user information of user 110 and the preset reference access rule set, and determines the user's remaining access number set based on the rated access number in the target access rule set and the user's historical assessment record. Finally, based on the user's remaining access number set, it determines whether the user is allowed to access the risk assessment questionnaire. Among them, the specific implementation method of data processing device 130 determining whether to allow the user to access the risk assessment questionnaire based on user information and reference access rule set will be described in detail below.
[0037] Please refer to Figure 2 , is a flow chart of a data processing method provided in an embodiment of the present application. The following is a flow chart of a data processing method performed by a data processing device. Figure 2 The steps shown are used to illustrate the method, but in fact, other devices can also perform the following method, which is not limited in the present embodiment. Figure 2 The data processing device involved may be, for example, Figure 1 The data processing device 130 shown, Figure 2 The users involved may be, for example, Figure 1 The user 110 is shown. Figure 2 The terminal device involved may be, for example, Figure 1 The terminal device 120 shown, Figure 2 The applications involved can be, for example, Figure 1 Application 121 is shown.
[0038] S201, obtaining an access request from a user, where the access request is used to request access to a risk assessment questionnaire.
[0039] The data processing device may receive an access request from a user's terminal device. For example, an application may be running in the terminal device, and the user clicks to access the risk assessment questionnaire in the application. The application generates an access request based on the user's click operation and sends the access request to the data processing device through the terminal device.
[0040] As a possible implementation, the access request may also carry a user identifier of the user, which may uniquely represent the user. The user identifier may be the user's identity document (ID) in the application, or other user information, such as the user's mobile phone number, etc. This embodiment of the present application is not limited to this.
[0041] The risk assessment questionnaire can be used to assess the risk tolerance of users. For example, before users purchase financial products, in order to prevent users from purchasing financial products that do not match their own risk tolerance, risk assessment can be conducted on users based on the results of the questionnaire filled out by the user through the risk assessment questionnaire. When a user requests to purchase financial product A, the user's risk assessment result is compared with the calibrated risk level of financial product A. If the user's risk assessment result is higher than or equal to the calibrated risk level, the user is allowed to purchase. If the user's risk assessment result is lower than the calibrated risk level, the user is refused to purchase, thereby protecting users and preventing them from ignoring their true risk tolerance in order to purchase high-yield financial products.
[0042] S202, determining a target access rule set that matches the user information based on the user information and a preset reference access rule set, wherein the target access rule set includes a rated number of accesses for the user to access the risk assessment questionnaire, and the user information is used to indicate the user's reference risk tolerance.
[0043] The user information may include the user's personal information and asset information. The personal information may include age, physical condition, work status, etc. The asset information may include the user's total asset information, financial products held, etc. The user information may be obtained by the data processing device from the database of the financial institution based on the user identifier carried in the access request, or obtained from other devices, which is not limited in the embodiments of the present application.
[0044] The reference admission rule set includes a set reference rated admission number, and the reference admission rule set includes multiple admission rules, wherein each of the multiple admission rules corresponds to a different time range, and each admission rule includes a rated admission number within the time range corresponding thereto. The time range may refer to day, week, month, or year.
[0045] Exemplarily, taking the time range of day, week, month, and year as an example, a reference access rule set can be expressed as: {D1, W1, M1, Y1}, where D1 represents the rated number of accesses per day, W1 represents the rated number of accesses per week, M1 represents the rated number of accesses per month, and Y1 represents the rated number of accesses per year.
[0046] Specifically, the data processing device may determine the user's group category based on the personal information, and determine the user's asset category based on the asset information. The group category may be, for example, minors, adults, the elderly, the disabled, etc. The asset category may be, for example, low, medium, high, etc. Among them, a low asset category may indicate that the user's total asset scale is small, a medium asset category may indicate that the user's total asset scale is average, and a high asset category may indicate that the user's total asset scale is large. Among them, the division of asset categories can be determined based on the total assets in the asset information and the number and risk of the wealth management products held. For example, the asset category of a user whose total assets in the asset information are greater than a first value and whose number of wealth management products held is greater than a second value can be determined as high.
[0047] Exemplarily, the asset information of user A includes 1 million deposits and 6 high-risk financial products. The 1 million deposits are greater than the first value, and 6 are greater than the second value. Therefore, the asset category of user A can be determined as high.
[0048] The data processing device may determine the target access rule set according to the user's group category, asset category and reference access rule set. Specifically, the data processing device may increase, decrease or keep unchanged the reference rated access times of each access rule in the reference access rule set according to the user's group category and asset category to obtain the target access rule set. The preset times may be set according to actual needs, such as 1 time, 2 times, or different preset times may be set for different situations, which is not limited in the embodiments of the present application.
[0049] For example, when the user's group category is elderly and the asset category is low, the reference rated access times can be reduced by 1 to obtain the target access rule set. When the user's group category is minors, minors are not allowed to conduct risk assessments, so the reference rated access times can be updated to 0 to obtain the target access rule set. When the user's total asset size exceeds 10 million or the customer holds complex financial products with a size of more than 1 million, the reference rated access times can be increased by 1.
[0050] It should be noted that when increasing or decreasing the reference rated access times, the reference rated access times of each access rule in the reference access rule set can be increased or decreased, or the rated access times of the access rules corresponding to the specified time range can be increased or decreased. The specific settings can be based on actual needs, and the embodiments of the present application are not limited to this.
[0051] Exemplarily, the reference access rule set is {4, 5, 6, 7}, and the data processing device determines that the number of accesses needs to be reduced by 1 according to the user's group category and asset category, then the obtained target access rule set may be {3, 4, 5, 6}.
[0052] As a possible implementation, the rated access times of the first admission rule in the target admission rule set is greater than or equal to the rated access times of the second admission rule in the target admission rule set, wherein the time range of the first admission rule is greater than the time range of the second admission rule.
[0053] In particular, taking the time range corresponding to the target entry rule set as day, week, month, and year as an example, in this case, there are three cases for the time range corresponding to the week, and these three cases are respectively described below.
[0054] In the first case, this week and this month are in a completely inclusive relationship. For example, the time range corresponding to this week is from August 19, 2024 to August 25, 2024, and the time range corresponding to this month is from August 1, 2024 to August 31, 2024. At this time, the time range corresponding to this week is completely within August, so this week and this month are in a completely inclusive relationship.
[0055] In the second case, this week is not completely inclusive with this month, but completely inclusive with this year. For example, the time range corresponding to this week is from July 29, 2024 to August 4, 2024, and the time range corresponding to this month is from August 1, 2024 to August 30, 2024. The time range corresponding to this week is partly in July and partly in August, but the time range is all in 2024, which is a case of crossing months but not crossing years.
[0056] In the third case, this week is not completely inclusive with this month, and is not completely inclusive with this year. For example, the time range for this week is from December 30, 2024 to January 5, 2025, the time range for this month is from December 1, 2024 to December 31, 2024, and the time range for this year is from January 1, 2024 to December 31, 2024. Part of this week's time range is in December 2024, and part is in January 2025, which is a cross-month and cross-year situation.
[0057] Based on the above three situations, the target admission rule set is illustrated as {D2, W2, M2, Y2}, where D2 represents the rated number of admissions per day, W2 represents the rated number of admissions per week, M2 represents the rated number of admissions per month, and Y2 represents the rated number of admissions per year. The rated number of admissions in the target admission rule set satisfies D2≤M2≤Y2. Since a week spans a month, W2 also satisfies the condition of D2≤W2≤2*M2.
[0058] S203: Determine a first remaining admission number set for the user according to the rated admission number in the target admission rule set and the historical evaluation record of the user.
[0059] Among them, the historical assessment record may indicate the number of times the user has accessed the risk assessment questionnaire, that is, the number of historical assessments.
[0060] As a possible implementation, the historical assessment records may also include the results of risk assessment questionnaires previously filled out by the user, which may include the user's age, educational information, work information, total asset size, financial product holdings, etc.
[0061] Specifically, the data processing device can determine the number of historical evaluations of the user within the time range corresponding to each access rule based on the historical evaluation records, and determine the remaining access times of the user under each access rule based on the historical evaluation times and the rated access times of each access rule, and finally, the remaining access times of each access rule in the target access rule set are combined into a first remaining access times set.
[0062] As a possible implementation, each access rule in the target access rule set corresponds to a different time range. In this case, when the data processing device determines the remaining access times under each access rule in the target access rule set, it can first determine the second remaining access times set based on the rated access times of each access rule in the target access rule set and the historical evaluation times within the time range corresponding to each access rule, and then update the second remaining access times set according to the preset strategy to obtain the remaining access times of each access rule in the target access rule set, and then combine the remaining access times of each access rule in the target access rule set into the first remaining access times set. The preset strategy is used to indicate that the remaining access times of the second access rule should be updated according to the remaining access times of the first access rule in the first remaining access times set, and the time range of the first access rule is greater than the time range of the second access rule.
[0063] In this implementation, in the first remaining admission count set, the remaining admission count of the first admission rule is greater than or equal to the remaining admission count of the second admission rule. That is, in the first remaining admission count set, the remaining admission count of the admission rule with a larger time range is greater than or equal to the remaining admission count of the admission rule with a smaller time range. For ease of understanding, this update method is referred to as sequential update below.
[0064] In particular, taking the time range corresponding to the target admission rule set as day, week, month, and year as an example, in this case, there are three cases for the time range corresponding to the week. In these three cases, the update rules for the remaining number of admissions for the weekly admission rules are different. The update rules for these three cases are explained separately below.
[0065] In the first case, this week and this month are completely inclusive.
[0066] In this case, the remaining number of admissions for the week can be updated based on the remaining number of admissions for the month and year with a larger time range, in the same way as described above.
[0067] In the second case, this week is not completely contained in this month, but is completely contained in this year (i.e. it spans months but not years).
[0068] In this case, the remaining number of admissions for the week is updated based on the remaining number of admissions for the year.
[0069] In the third case, this week is not completely contained in this month, and is also not completely contained in this year (i.e., it spans both the month and the year).
[0070] In this case, the remaining admission times of the week do not need to be updated, that is, the remaining admission times of the week in the second remaining admission times set is used as the remaining admission times of the week in the first remaining admission times set.
[0071] In order to better understand the specific implementation method of determining the remaining number of access times under each access rule in the target admission rule set, the following takes the rated number of access times of the target admission rule set as {3, 4, 5, 6}, the historical evaluation times as 13 times, among which 1 evaluation has been made today, 2 evaluations have been made this week, 2 evaluations have been made this month, and 5 evaluations have been made this year as an example to illustrate the specific implementation method of determining the remaining number of access times under each access rule in the target admission rule set by the data processing device.
[0072] The data processing device determines the second remaining access number set according to the difference between the number of historical evaluations corresponding to each time range and the rated access number of the access rules within each time range, which is {2, 2, 3, 1}. Based on the preset strategy, 1 is the remaining access number in this year. Based on the condition mentioned above that "the remaining access number of the access rules with a large time range is greater than or equal to the remaining access number of the access rules with a small time range", it can be known that when there is only one access number left in this year, the remaining access number in this month should be less than or equal to the remaining access number in this year. Therefore, the data processing device can collect the second remaining access number and update the remaining access number in this month to 1. Similarly, the data processing device updates the remaining access number of today to 1.
[0073] After the data processing device updates the remaining access times of this month and this day, the remaining access times of this week are further updated based on the corresponding update rules according to which of the above three situations this week belongs to. Specifically, the data processing device can determine whether this week crosses the year or the month. If it is determined that this week does not cross the month and the year, or crosses the month but not the year, that is, this week belongs to the first and second situations, then the data processing device updates the remaining access times of this week based on the remaining access times of this year, that is, the remaining access times of this week are updated to 1, and the first remaining access times set {1, 1, 1, 1} is obtained. If it is determined that this week crosses the month and the year, that is, this week belongs to the third situation, the remaining access times of this week are not updated, and the first remaining access times set {1, 2, 1, 1} is obtained.
[0074] That is to say, in the embodiment of the present application, the data processing device first updates the remaining access times of the month and day based on the year, and then determines which of the three situations the week belongs to, selects the corresponding update rule, and updates the remaining access times of the week, thereby obtaining a first remaining access times set.
[0075] As a possible implementation, if it is determined that the remaining access times of the third admission rule in the first remaining access times set is the same as the preset threshold, the remaining access times of other admission rules in the target admission rule set are all updated to the preset threshold, and the third admission rule is the admission rule with the largest time range in the target admission rule set. The preset threshold may be pre-configured in the data processing device, and the preset threshold may be 0.
[0076] In this implementation, the remaining admission times of the third admission rule is 0, indicating that the rated admission times corresponding to the admission rule with the largest time range have been used up, and accordingly, under the admission rule with a smaller time range, the remaining admission times should also be 0. To better understand this implementation, an example is given below.
[0077] For example, if the target access rule set is {3, 4, 5, 6}, the historical evaluation times are 13 times, of which 1 evaluation has been done today, 2 evaluations have been done this week, 4 evaluations have been done this month, and 6 evaluations have been done this year, based on the historical evaluation data, the data processing device can determine that the second remaining access times set is {2, 2, 1, 0}. In this case, the rated access times for this year have been used up, indicating that the user can no longer access the risk assessment questionnaire this year. Therefore, the data processing device can update the remaining access times for this month and this day to 0.
[0078] Further, if the data processing device determines that this week does not cross a month and does not cross a year, or crosses a month but does not cross a year, that is, this week belongs to the first case and the second case, the data processing device updates the remaining access times of this week based on the remaining access times of this year, that is, updates the remaining access times of this week to 0, and obtains the first remaining access times set {0, 0, 0, 0}. If it is determined that this week crosses a month and a year, that is, this week belongs to the third case, the remaining access times of this week are not updated, and the first remaining access times set {0, 2, 0, 0} is obtained.
[0079] It should be noted that this implementation method is described based on the admission rule with the largest time range in the target admission rule set, but it is still applicable to other admission rules in the target admission rule set. For example, the rated number of admissions this month has been used up, and accordingly, the remaining number of admissions within this week (without crossing months) and today should be updated to 0.
[0080] As a possible implementation, in order to improve the accuracy of the determined remaining admission times set, the data processing device may further update the remaining admission times of the target admission rule set according to the remaining duration of the current time in each time range. In this implementation, the update order is to update the remaining admission times of the admission rules with a smaller time range with the remaining admission times of the admission rules with a larger time range. For ease of description, this update method is referred to as reverse update below.
[0081] In order to better understand the update method of the remaining number of access points based on the remaining duration, the embodiment of the present application takes the time range corresponding to the target admission rule set as day, week, month, and year, the rated number of access points of the target admission rule set is expressed as {D2, W2, M2, Y2}, and the first remaining number of access points set is expressed as {d, w, m, y} as an example to illustrate the update method.
[0082] The data processing device determines the date corresponding to the current time, and the remaining days in this week, this month, and this year with the current date as the starting date. For ease of description, the remaining days in this week are represented as A, the remaining days in this month are represented as B, and the remaining days in this year are represented as C. Among them, the remaining days described in the embodiment of the present application are calculated based on the cycle of 00:00-24:00, that is, the remaining days described in the embodiment of the present application are a complete day. For example, if the date corresponding to the current time is a weekend, the remaining days in this week are 0, that is, A=0.
[0083] Taking the example of updating the remaining number of admissions for a week by the remaining number of admissions for a day, a way to determine whether to update the remaining number of admissions for a week may be: whether A*D2+d is less than w, if A*D2+d is less than w, then updating w according to A*D2+d. The specific updating method may be to use the calculation result of A*D2+d as the updated w, that is, the updated w=A*D2+d.
[0084] For example, assuming that the current day is Sunday, in this case, A=0, indicating that the remaining number of admission days this week is 0, and the remaining number of admissions on the current day is the remaining number of admissions this week. Therefore, in this case, the remaining number of admissions this week should be less than or equal to the remaining number of admissions on the current day, that is, A*D2+d≥w.
[0085] Correspondingly, the method of updating the remaining access times of the month and year by the remaining access times of the day can correspond to the method of updating the remaining access times of the week, such as B*D2+d≥m, C*D2+d≥y, which will not be repeated here.
[0086] Furthermore, after updating the remaining access times of week, month and year by the remaining access times of day, the remaining access times of month and year can be updated by the remaining access times of week. In this case, the relationship between the remaining access times of the remaining weeks of this month and this year is determined, that is, whether the remaining number of weeks * W2 + w is less than or equal to the remaining access times of month or year. Specifically, the method of updating the remaining access times of week by the remaining access times of day as described above is referred to, and no further details are given here.
[0087] Exemplarily, in order to more clearly illustrate the method of determining the first remaining admission number set, an example is given below to illustrate this.
[0088] Assume that a customer can evaluate up to 3 times a day, 4 times a week, 5 times a month, and 6 times a year, that is, the target entry rule set is {3, 4, 5, 6}. For convenience, it is recorded as max(3, 4, 5, 6).
[0089] Since the customer has done risk assessment before, according to the historical assessment records, subtraction is performed to calculate that the customer can still be assessed 3 times today, 1 time this week, 2 times this month, and 3 times this year, and the second remaining access times set is {3, 1, 2, 3}. For convenience, it is recorded in the form of rmn (3, 1, 2, 3).
[0090] The following describes a method for determining the first remaining admission number set for different times of the day.
[0091] The first type: If today is Thursday, 20231130, then the first remaining admission count set is updated to rmn_opt(1, 1, 1, 3). The specific update process is as follows:
[0092] 1. Maximum number of preprocessing times: Satisfied, and after processing it is still max(3, 4, 5, 6).
[0093] 2. Remaining number of preprocessing: satisfied, and after processing it is still rmn(3, 1, 2, 3).
[0094] 3. Process year, month, and day sequentially: that is, update the remaining access times of month and day according to the remaining access times of year in the second remaining access times set. Because 3(d)>2(m), the data processing device updates the remaining access times of day based on the remaining access times of month to obtain the processed second remaining access times set rmn(2, 1, 2, 3), wherein 3(d) represents the remaining access times of day in the second remaining access times set, and 2(m) represents the remaining access times of month in the second remaining access times set.
[0095] 4. Update the remaining access times of the week: Today is Thursday, 20231130, so the data processing device determines that this week crosses the month but not the year, which belongs to the second case mentioned above. Because 2(d)>1(w), the data processing device updates the remaining access times of the day based on the remaining access times of the week, and obtains the second remaining access times set after reprocessing as rmn(1, 1, 2, 3), where 2(d) represents the remaining access times of the day in the second remaining access times set after the first processing, and 1(w) represents the remaining access times of the week in the second remaining access times set after the first processing.
[0096] 5. Reverse update of day, week, month and year: Because today is the end of the month (the remaining number of days in this month is 0), 2(m)>1(d)+3(D)*0. Therefore, the data processing device updates the remaining access times of the month in the second remaining access times set after the second processing according to the calculation result of 1(d)+3(D)*0, and obtains the first remaining access times set rmn_opt(1, 1, 1, 3), among which 2(m) represents the remaining access times of the month in the second remaining access times set after the second processing, 1(d) represents the remaining access times of the day in the second remaining access times set after the second processing, and 3(D) represents the rated access times of the day in the target admission rule set.
[0097] The second type: If today is Friday, 20231201, then the first remaining admission number set obtained by update is rmn_opt(1, 1, 2, 2). The specific update process is as follows:
[0098] 1. Maximum number of preprocessing times: Satisfied, and after processing it is still max(3, 4, 5, 6).
[0099] 2. Remaining number of preprocessing: satisfied, and after processing it is still rmn(3, 1, 2, 3).
[0100] 3. Process the year, month, and day sequentially: that is, update the remaining access times of the month and day according to the remaining access times of the year in the second remaining access times set to obtain the processed second remaining access times set rmn (2, 1, 2, 3). The specific updating method can refer to the content described in the previous article and will not be repeated here.
[0101] 4. Update the remaining number of admissions in the week: Today is Friday 20231201. This week is a month-long period but not a year-long period, which is the second case mentioned above. Because 2(d)>1(w), the second remaining number of admissions after the second processing is rmn(1, 1, 2, 3). The specific update method can be referred to the content described above, which will not be repeated here.
[0102] 5. Reverse update of day, week, month and year: Because this month is the end of the year (the number of remaining months in this year is 0), 3(y)>2(m)+5(M)*0. Therefore, the data processing device updates the remaining access times for the year in the second remaining access times set after the second processing according to the calculation result of 2(m)+5(M)*0, and obtains the first remaining access times set rmn_opt(1, 1, 2, 2), among which 3(y) represents the remaining access times for the year in the second remaining access times set after the second processing, 2(m) represents the remaining access times for the month in the second remaining access times set after the second processing, and 5(M) represents the rated access times for the month in the target admission rule set.
[0103] The third type: If today is Sunday, December 31, 2023, then the updated first remaining admission count set is rmn_opt(1, 1, 1, 1). The specific update process is as follows:
[0104] 1. Maximum number of preprocessing times: Satisfied, and after processing it is still max(3, 4, 5, 6).
[0105] 2. Remaining number of preprocessing: satisfied, and after processing it is still rmn(3, 1, 2, 3).
[0106] 3. Process the year, month, and day sequentially: obtain the second remaining admission number set rmn (2, 1, 2, 3) after the first processing. The processing method is the same as the first processing method described above, and will not be repeated here.
[0107] 4. Update the remaining access times of the week: Today is Sunday 20231231, and it is determined that this week does not cross the month or the year, which belongs to the first case mentioned above. Because 2(d)>1(w), the data processing device updates the remaining access times of the day based on the remaining access times of the week, and the second remaining access times set after reprocessing is rmn(1, 1, 2, 3).
[0108] 5. Reverse update of day, week, month and year: Because today is the weekend, today is the end of the month and today is the end of the year, 2(m)>1(d)+3(D)*0, 3(y)>1(d)+3(D)*0. Therefore, the data processing device updates the remaining access times for the month and year in the second remaining access times set after the second processing according to the calculation result of 1(d)+3(D)*0, and obtains the first remaining access times set rmn_opt(1, 1, 1, 1).
[0109] S204: Determine whether to allow the user to access the risk assessment questionnaire based on the user's first remaining access times set.
[0110] Among them, the specific content of the first remaining admission number set can correspond to the content described in the previous article and will not be repeated here.
[0111] The data processing device can determine the remaining access times of the fourth access rule from the first remaining access times set, and the fourth access rule is the access rule with the smallest time range in the target access rule set. If the remaining access times of the fourth access rule are the same as the preset threshold, the user is denied access to the risk assessment questionnaire; if the remaining access times of the fourth access rule are not the same as the preset threshold, the user is allowed to access the risk assessment questionnaire. The preset threshold is pre-configured in the data processing device, and the preset threshold is, for example, 0.
[0112] As a possible implementation method, in order to enable users to clearly know the remaining access times and the rated access times they can access, the rated access times set and the remaining access times set of the determined target access rule set can be returned to the application through the terminal device, so that the application can display the remaining access times set to the user through the display interface of the terminal device.
[0113] For example, the following words may be returned to the user: "You can evaluate at most D2 times a day, at most W2 times a week, at most M2 times a month, and at most Y2 times a year. You can evaluate d_opt times more today, w_opt times more this week, m_opt times more this month, and y_opt times more today."
[0114] Based on the same inventive concept, an embodiment of the present application provides a data processing device, which is used to implement any of the above data processing methods, for example Figure 2 The data processing method shown, and the device can also realize the functions of the data processing device mentioned above.
[0115] Please refer to Figure 3 , is a schematic diagram of the structure of a data processing device provided in an embodiment of the present application. Figure 3 As shown, the data processing device 300 includes an acquisition module 301 and a determination module 302 .
[0116] Exemplarily, acquisition module 301 is used to obtain an access request from a user, where the access request is used to request access to a risk assessment questionnaire; determination module 302 is used to determine a target access rule set that matches the user information based on the user information and a preset reference access rule set, where the target access rule set includes a rated number of accesses for the user to access the risk assessment questionnaire, and the user information is used to indicate the user's reference risk tolerance; determination module 302 is also used to determine a first remaining access number set for the user based on the rated number of accesses in the target access rule set and the user's historical assessment record; determination module 302 is also used to determine whether the user is allowed to access the risk assessment questionnaire based on the user's first remaining access number set.
[0117] In one possible implementation, the user information includes the user's personal information and the user's asset information; the determination module 302 is specifically used to: determine the user's group category based on the personal information; determine the user's asset category based on the asset information; determine the target access rule set based on the user's group category, asset category and reference access rule set.
[0118] In a possible implementation, each admission rule in the target admission rule set corresponds to a different time range; the determination module 302 is specifically used to: determine the number of historical evaluations of the user within the time range corresponding to each admission rule based on historical evaluation records; determine the remaining number of admissions of the user under each admission rule based on the number of historical evaluations and the rated number of admissions of each admission rule; and combine the remaining number of admissions of each admission rule in the target admission rule set into a first remaining number of admissions set for the user.
[0119] In one possible implementation, the determination module 302 is specifically used to: determine a second remaining access number set based on the rated access number of each access rule in the target access rule set and the historical evaluation number within the time range corresponding to each access rule; update the second remaining access number set according to a preset strategy to obtain the remaining access number of each access rule in the target access rule set, and the preset strategy is used to indicate that the remaining access number of the second access rule is updated according to the remaining access number of the first access rule in the first remaining access number set, wherein the time range of the first access rule is greater than the time range of the second access rule.
[0120] In one possible implementation, the determination module 302 is specifically used to: if it is determined that the remaining access times of the third access rule in the first remaining access times set is the same as the preset threshold, then the remaining access times of other access rules in the target access rule set are updated to the preset threshold, and the third access rule is the access rule with the largest time range in the target access rule set.
[0121] In a possible implementation manner, in the first remaining admission number set, the remaining admission number of the first admission rule is greater than or equal to the remaining admission number of the second admission rule.
[0122] In one possible implementation, the determination module 302 is specifically used to: determine the remaining access times of the fourth access rule from the first remaining access times set, the fourth access rule being the access rule with the smallest time range in the target access rule set; if the remaining access times of the fourth access rule is the same as a preset threshold, denying the user access to the risk assessment questionnaire; if the remaining access times of the fourth access rule is not the same as the preset threshold, allowing the user to access the risk assessment questionnaire.
[0123] Based on the same inventive concept, an embodiment of the present application provides a data processing device, which is used to implement any of the above data processing methods, for example Figure 2 The data processing method shown, and the device can also realize the functions of the data processing device mentioned above.
[0124] Please refer to Figure 4 , is a schematic diagram of the structure of a data processing device provided in an embodiment of the present application. Figure 4 As shown, the data processing device 400 includes at least one processor 401, and a memory 402 communicatively connected to the at least one processor 401;
[0125] The processor 401 may be a general-purpose processor or a dedicated processor. The processor 401 may include, for example, a baseband processor or a central processing unit. The baseband processor may be used to process the communication protocol and the communication data. The central processing unit may be used to control the data processing device 400, execute the software program and / or process the data. Different processors may be independent devices or may be arranged in one or more processing circuits, for example, integrated in one or more dedicated integrated circuits.
[0126] In one embodiment, the memory 402 stores instructions that can be executed by at least one processor 401. The at least one processor 401 implements the functions of the data processing device described above by executing the instructions stored in the memory 402, and accordingly, can also implement the steps performed by the data processing device described above.
[0127] In this embodiment, the data processing device 400 can also implement the functions of the previous text data processing apparatus 400 , and at least one processor 401 in the data processing device 400 can also implement the functions of the previous text acquisition module 301 and the determination module 302 .
[0128] Based on the same inventive concept, an embodiment of the present application provides a computer-readable storage medium, which stores computer instructions. When the computer instructions are executed on a computer, the computer executes any of the above-mentioned data processing methods, for example, Figure 2 The data processing method shown.
[0129] Based on the same inventive concept, an embodiment of the present application provides a computer program product, comprising computer instructions, which, when executed on a computer, enables any of the above data processing methods, for example, Figure 2 The data processing method shown is implemented.
[0130] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.
[0131] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.
[0132] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.
[0133] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.
[0134] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.
Claims
1. A data processing method, characterized in that: include: Obtaining an access request from a user, where the access request is used to request access to a risk assessment questionnaire; Determine, according to the user information of the user and a preset reference access rule set, a target access rule set matching the user information, wherein the target access rule set includes a rated number of accesses for the user to access the risk assessment questionnaire, and the user information is used to indicate the reference risk tolerance of the user; Determine a first remaining access number set for the user according to the rated access number in the target access rule set and the historical evaluation record of the user; Determine whether to allow the user to access the risk assessment questionnaire based on the first remaining access number set.
2. The method according to claim 1, characterized in that The user information includes the user's personal information and the user's asset information; Determining a target access rule set matching the user information according to the user information and a preset reference access rule set includes: Determine the group category of the user based on the personal information; Determining the asset category of the user according to the asset information; The target admission rule set is determined according to the group category of the user, the asset category and the reference admission rule set.
3. The method according to claim 1, characterized in that Each admission rule in the target admission rule set corresponds to a different time range; Determining a first remaining access number set for the user according to the rated access number in the target access rule set and the historical evaluation record of the user includes: Determining the number of historical evaluations of the user within a time range corresponding to each access rule according to the historical evaluation records; Determining the remaining number of accesses of the user under each access rule according to the number of historical evaluations and the rated number of accesses of each access rule; The remaining admission times of each admission rule in the target admission rule set are combined into the first remaining admission times set.
4. The method according to claim 3, characterized in that Determining the remaining number of accesses of the user under each access rule according to the number of historical evaluations and the rated number of accesses of each access rule includes: Determine a second set of remaining admission times according to the rated admission times of each admission rule in the target admission rule set and the historical evaluation times within the time range corresponding to each admission rule; According to a preset strategy, the second remaining access number set is updated to obtain the remaining access number of each access rule in the target access rule set, wherein the preset strategy is used to indicate updating the remaining access number of the second access rule according to the remaining access number of the first access rule in the first remaining access number set, wherein the time range of the first access rule is greater than the time range of the second access rule.
5. The method according to claim 4, characterized in that According to a preset strategy, the second remaining admission number set is updated to obtain the remaining admission number of each admission rule in the target admission rule set, including: If it is determined that the remaining access times of the third admission rule in the first remaining access times set is the same as the preset threshold, the remaining access times of other admission rules in the target admission rule set are updated to the preset threshold, and the third admission rule is the admission rule with the largest time range in the target admission rule set.
6. The method according to claim 4, characterized in that In the first remaining admission number set, the remaining admission number of the first admission rule is greater than or equal to the remaining admission number of the second admission rule.
7. The method according to any one of claims 1 to 6, characterized in that: Determining whether to allow the user to access the risk assessment questionnaire according to the first remaining access number set of the user includes: Determining the remaining admission times of a fourth admission rule from the first remaining admission times set, wherein the fourth admission rule is the admission rule with the smallest time range in the target admission rule set; If the remaining number of access times of the fourth access rule is the same as the preset threshold, denying the user access to the risk assessment questionnaire; If the remaining number of access times of the fourth access rule is different from the preset threshold, the user is allowed to access the risk assessment questionnaire.
8. A data processing device, characterized in that: include: An acquisition module, used to acquire an access request from a user, where the access request is used to request access to a risk assessment questionnaire; a determination module, configured to determine a target access rule set matching the user information according to the user information of the user and a preset reference access rule set, wherein the target access rule set includes a rated number of accesses for the user to access the risk assessment questionnaire, and the user information is used to indicate a reference risk tolerance of the user; The determination module is further configured to determine a first remaining admission number set for the user according to the rated admission number in the target admission rule set and the historical evaluation record of the user; The determination module is further used to determine whether to allow the user to access the risk assessment questionnaire based on the first remaining access number set.
9. A data processing device, characterized in that: include: at least one processor, and a memory communicatively coupled to the at least one processor; The memory stores instructions that can be executed by the at least one processor, and the at least one processor implements the method according to any one of claims 1 to 7 by executing the instructions stored in the memory.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and when the computer instructions are executed on a computer, the computer is caused to execute the method according to any one of claims 1 to 7.
11. A computer program product, characterized in that The invention comprises computer instructions, which, when executed on a computer, enable the method according to any one of claims 1 to 7 to be implemented.